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11 best credit cards with no annual fee in February 2023
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Though credit cards with annual fees can be worth it, cardholders may have to strategize the best way to maximize usage so it outweighs the cost. However, you don’t have to pay more to get valuable credit card rewards and benefits. If you’re uncomfortable with a yearly fee or use your credit card only occasionally, a no-annual-fee card is a smart choice. Check out our picks for the best no-annual-fee credit cards of 2022 from our partners.
Best No Annual Fee Credit Cards for February 2023:
- Capital One SavorOne Cash Rewards Credit Card: Best for dining & entertainment with no annual fee
- Discover it® Cash Back: Best for flexible spenders
- Wells Fargo Active Cash® Card: Best flat-rate cash rewards card
- Capital One Quicksilver Cash Rewards Credit Card: Best overall cash back card with no annual fee
- Capital One VentureOne Rewards Credit Card: Best for new travelers
- Bilt Mastercard®: Best for travel partners
- Wells Fargo Autograph℠ Card: Best for everyday travel
- Citi Custom Cash℠ Card: Best for customized rewards
- Citi® Double Cash Card: Best for high cash back potential
- Capital One Platinum Credit Card: Best for credit builders
- Chase Freedom Flex℠: Best for cash back in multifaceted spenders
Need more information?
Skip down to read our card profiles and expert advice.
Rewards Rate
- 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- 8% Earn 8% cash back on Capital One Entertainment purchases
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
- 1% Earn 1% on all other purchases.
Regular APR
19.24% – 29.24% (Variable)
Recommended credit
Good to Excellent(670 – 850)
Rewards Rate
- 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
- 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.
Regular APR
16.24% – 27.24% Variable APR
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 2% Earn unlimited 2% cash rewards on purchases
Regular APR
19.49%, 24.49%, or 29.49% variable APR
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Regular APR
19.24% – 29.24% (Variable)
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- 1.25X Earn unlimited 1.25X miles on every purchase, every day.
Regular APR
19.24% – 29.24% (Variable)
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 3X Points 3x points on dining
- 2X Points 2x points on travel
- 1X Points 1x points on other purchases
- 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases.
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
- 1X Earn 1X points on other purchases
Regular APR
19.49%, 24.49%, or 29.49% variable APR
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- 1% Earn unlimited 1% cash back on all other purchases.
Regular APR
18.49% – 28.49% (Variable)
Recommended credit
Good to Excellent (670 – 850)
Rewards Rate
- 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Regular APR
18.49% – 28.49% (Variable)
Recommended credit
Good to Excellent (670 – 850)
Regular APR
29.74% (Variable)
Rewards Rate
- 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1% Unlimited 1% cash back on all other purchases.
Regular APR
19.24% – 27.99% Variable
Recommended credit
Good to Excellent (670 – 850)
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
How we chose the best no-annual-fee credit cards
All credit cards from our partners are rated with a 5-star scoring system. For cards in this category, we focused on the merits of each selection apart from charging no annual fee. Those specific criteria included:
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Rewards rate and value
Some no-annual-fee cards offer fairly decent flat-rate cash rewards or travel miles (usually between 1.5 percent to 2 percent back) while others have rotating spending categories that offer boosted rewards rates directly dependent on how you spend (typically between 2 percent and 5 percent, though bonus rewards may be subject to a cap and then revert to a base spending rate after that cap is met).
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Redemption options
Rewards often come in the form of cash back that you can get as a direct deposit into a bank account, statement credit, gift cards and more. Some no-annual-fee travel credit cards earn miles that can be redeemed for statement credits or transferred to a number of airline or hotel partners. The best no-annual-fee credit cards let you redeem rewards in a useful, flexible way.
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Extras and discounts
Some no-annual-fee credit cards offer retail discounts, insurance coverage and other perks that improve their overall value. These additions make the perk of no-annual-fee cards just a little sweeter because you still have access to key assets and benefits.
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Variable APR
The best no-annual-fee credit cards offer reasonable interest rates in case you carry a balance. Having a no-annual-fee card with a high interest rate could hamper the benefits of having no annual fee, especially if you’re a budget-conscious shopper or you expect to rotate a balance from time to time. (Note: it’s best to pay off balances in full whenever possible to avoid interest).
Compare the best credit cards with no annual fee
A closer look at the best no-annual-fee credit cards
Capital One SavorOne Cash Rewards Credit Card: Best card for dining and entertainment
- What we love about the Capital One SavorOne Cash Rewards card: If you want a card that rewards fun experiences, you’ll have a tough time finding a better option than the SavorOne. The card is well-rounded and potentially lucrative for almost everyone because of its rewards rate and no annual fee, and it rewards both everyday and entertainment purchases at a decent rate. Entertainment may sound vague, but concerts, movies, sporting events, theme parks and tourist attractions are all included in Capital One’s entertainment bonus category.
- Who this card is good for: People who enjoy dining out and entertainment lovers would get the most value on purchases.
- Alternatives: Cardholders seeking a card with more flexibility in cash back earnings and reward redemption should consider the Discover it Cash Back card, which comes with an unlimited Cashback Match™ welcome offer.
Read our full Capital One SavorOne review.
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Discover it Cash Back: Best card for flexible spenders
- What we love about the Discover it Cash Back card:Discover’s cash back categories are noteworthy, and you could potentially double your cash back earnings at the end of your first year with the Cashback Match program (Discover will automatically match all the cash back you’ve earned at the end of your first year). Plus, it offers 5 percent cash back (activation required) on up to $1,500 spent in quarterly rotating bonus categories, then 1 percent. With no annual fee, this card will add plenty of value to any wallet.
- Who this card is good for: Someone who wants to cash in on a variety of seasonal expenses.
- Alternatives: Flat-rate cash rewards cards such as the Wells Fargo Active Cash® Card may be better for people who prefer a simple rewards structure.
Read our full Discover it Cash Back review.
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Wells Fargo Active Cash Card: Best card for flat-rate cash rewards
- What we love about the Wells Fargo Active Cash card: The sign-up bonus and unlimited 2 percent cash rewards on purchases alone make this a standout flat-rate credit card, and the 15-month 0 percent intro APR period on purchases and qualifying balance transfers from account opening (then 19.49 percent, 24.49 percent, or 29.49 percent variable) adds even more value.
- Who this card is good for: Anyone looking for a well-rounded flat-rate cash rewards credit card with no annual fee and plenty of perks.
- Alternatives: For rewards seekers looking to earn more than 2 percent back in select categories, the U.S. Bank Cash+® Visa Signature Card could give more overall value in key spending categories.
Read our full Wells Fargo Active Cash Card review.
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Capital One Quicksilver Cash Rewards Credit Card: Best overall cash back card with no annual fee
- What we love about the Capital One Quicksilver Cash Rewards card: For a no-annual-fee card, the Quicksilver has a noteworthy set of perks and a decent rewards rate. It offers several travel and shopping protections, including emergency card replacement and fraud coverage — and the unlimited 1.5 percent cash back on all purchases can provide steady value for cardholders. You can also earn unlimited 5 percent cash back on hotel and rental cars booked through Capital One Travel (terms apply).
- Who this card is good for: Cash back first-timers seeking a simple no-annual-fee card.
- Alternatives: For people who’d rather focus their spending on a few categories, the Bank of America® Customized Cash Rewards credit card could provide higher cash back earning potential overall.
Read our full Capital One Quicksilver card review.
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Capital One VentureOne Rewards Credit Card: Best card for new travelers
- What we love about the Capital One VentureOne Rewards card: With this card, the freedom to book based on your preferences is a huge advantage. You can use your Capital One miles to book hotels, flights and rental cars through Capital One’s website, or you can use your card to book travel through another service or website and redeem your miles as a statement credit to cover the cost.
- Who this card is good for: People who are occasional or beginner travelers.
- Alternatives:If you are a frequent traveler looking to maximize your rewards earnings and don’t mind paying a few hundred dollars for an annual fee, you may prefer the Chase Sapphire Reserve®.
Read our full Capital One VentureOne Rewards Credit Card review.
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Bilt Mastercard: Best for renters
- What we love about the Bilt Mastercard: Along with its savings on rent payments, this card offers high-value flexible travel rewards for a no-annual-fee card. You’ll typically need to pay an annual fee of at least $95 to access such a long list of high-value airline and hotel transfer partners.
- Who this card is good for: Renters who plan to redeem their rewards for travel, especially those who already have a card that earns rewards on everyday purchases like groceries and gas.
- Alternatives: If you don’t see yourself renting long term, but still want to earn rewards on travel and dining, a flexible no-annual-fee travel card like the Wells Fargo Autograph card could be a better fit. Though its rewards aren’t as valuable as the Bilt card’s, the Autograph card offers a wider range of everyday bonus categories, including travel, transit, restaurants, gas and more. You can also redeem for both cash back and travel at a flat value of 1 cent per point.
Read our full Bilt Mastercard review.
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Wells Fargo Autograph Card: Best for everyday travel
- What we love about the Wells Fargo Autograph card: This rewards card gives you plenty of places to earn points due to its array of spending categories.
- Who this card is good for: Credit card newbies and minimalists alike who want a straightforward rewards plan without the hassle of tracking rotating categories and value affordability.
- Alternatives: The one key spending category missing from the Wells Fargo Autograph is groceries or supermarket purchases. To cover this category, alongside plenty of others, you may consider the Bank of America Customized Cash, the Blue Cash Everyday® Card from American Express or one of our other best cards for groceries.
Read our full Wells Fargo Autograph Card review.
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Citi Custom Cash Card: Best card for customized rewards
- What we love about the Citi Custom Cash card: The bonus category automatically shifts to match your spending on purchases in your top eligible spend category each billing cycle as the card touts 5 percent cash back in 10 bonus categories — one of the highest cash back rates for a card with no annual fee.
- Who this card is good for: Someone who wants to earn a high cash back rate without being limited to one or two category options.
- Alternatives: If you want to earn rewards in multiple categories, you may be better off with the variety of rotating categories offered by the Chase Freedom Flex℠.
Read our full Citi Custom Cash Card review.
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Citi Double Cash Card: Best card for high reward potential
- What we love about the Citi Double Cash card: With no bonus categories or annual fee to worry about and a solid cash back rate, this card can be a valuable, stress-free addition to most wallets. Its unique rewards system lets you earn 1 percent cash back when you buy and another 1 percent when you pay.
- Who this card is good for: People who want a flat-rate cash back card with no annual fee.
- Alternatives: The Chase Freedom Unlimited® Card might be a better choice for those looking for a more lucrative sign-up bonus.
Read our full Citi Double Cash Card review.
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Capital One Platinum Credit Card: Best card for credit builders
- What we love about the Capital One Platinum card: For a card available to consumers with less-than-ideal credit, its set of features is very impressive. The Capital One Platinum has no annual fee and no foreign transaction fees, and your account will be automatically reviewed for a higher credit limit after six months.
- Who this card is good for: Someone with fair to good credit trying to improve their score.
- Alternatives: There are no-annual-fee cards with more valuable perks such as the Citi Custom Cash Card for rewards seekers looking to earn cash back or points on purchases.
Read our full Capital One Platinum Credit Card review.
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Chase Freedom Flex: Best no annual fee card for multifaceted spenders
- What we love about the Chase Freedom Flex card: Cardholders can take advantage of its flexibility, as the Freedom Flex features bonus categories that rotate each quarter. If you have commitment issues regarding rewards categories, this card could be a great fit.
- Who this card is good for: Someone who wants to earn rewards in several purchase categories.
- Alternatives: For those looking for cards with unique rewards categories, the Bilt Mastercard may be just what you need. With this card, you can earn 1X points on rent (up to 50,000 points per year) with no processing or transaction fees. (Earn points when you make 5 transactions that post each statement period.)
Read our full Chase Freedom Flex review.
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What is a no-annual-fee credit card?
A no-annual-fee credit card is a type of credit card that gives cardholders an opportunity to have a credit card, earn rewards and use credit card perks without charging the typical annual fee. If you’re searching for a credit card, you’ve probably noticed that some cards charge a yearly fee for simply having the card but come with lucrative rewards and perks. In many cases, you’ll still get the same long-term value — including rewards and perks — from a credit card without an annual fee.
Pros and cons of no-annual-fee credit cards
Pros
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Checkmark A low-cost method to build up your credit: Your credit card activity will be reported to the credit bureaus each month, and responsible use, like paying down your balances and making payments on time, will help you to build up a positive credit history—all at no extra cost.
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Checkmark Affordability with rewards opportunity: You don’t have to pay a premium to get rewards with the best no-annual-fee credit cards.
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Checkmark No planning to cover the cost of an annual fee: If your card carries an annual fee, you have to think about spending enough to justify the cost. A no-annual-fee card takes away this worry.
Cons
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Small sign-up bonuses: If the card has a sign-up bonus at all, it’s typically smaller than the offers associated with annual fee credit cards.
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Rewards aren’t usually as valuable as annual fee card counterparts: No-annual-fee credit cards usually have lower rewards rates and fewer extras than their fee-charging counterparts.
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The card may carry other fees: No-annual-fee cards might always seem like the best choice at first glance, but that’s not necessarily the case. Other fees to note could be foreign transaction and balance transfer fees, so you’ll need to review a card’s full terms and conditions to ensure it fits your financial habits.
Who should get a no-annual-fee credit card?
Just about anyone can benefit from the right no annual fee credit card. If you want to get one, consider how you might use the card, your typical spending habits and your overall financial priorities. A credit card with no annual fee may be right for you if you fit any of the following consumer types:
Still unsure if a no-annual-fee credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
Bankrate Insight
Not only will pairing a no-annual-fee card with other premier cards earn you more rewards and fill gaps in your credit portfolio, but issuers like Chase even let you pool your points from different cards to maximize earnings.
How to choose the best no-annual-fee credit card
There are plenty of cards on the market that don’t charge an annual fee but still offer some notable perks. When deciding what no-annual-fee card is best for you, consider these questions:
What are your spending habits?
Understanding your spending habits is key to figuring out which no-annual-fee card will be most beneficial for you. A lot of cards offer boosted rewards rates for spending in certain categories. Therefore, knowing which of these categories you spend the most in will help you pinpoint the card that gives you the most bang for your buck.
What benefits and rewards do I need?
It’s important to note that some cards may offer higher rewards rates than others. Other cards may also offer specific types of rewards that vary for each card. For example, one credit card may only offer rewards in the form of cash back, while another card may offer travel points and miles. Always know exactly what you’re looking to get out of your card in terms of rewards and benefits.
Do the rewards compensate for not having an annual fee?
Keep in mind that cards with an annual fee usually come with more desirable perks. If you’re still uncomfortable with the idea of an annual fee or you simply feel that the rewards associated with a no-annual-fee card fit with your lifestyle, sticking to a card without that extra cost could be your best bet.
When to downgrade to a no-annual-fee card
Not all credit cards with annual fees have the long-term value you may need. This can be from many factors like a recent card update, certain perks expiring or realizing that you don’t use enough of the card’s benefits to justify the cost. This is the best time to consider a new card. However, instead of canceling your card and taking a hit on your credit score, you can downgrade to a no-annual-fee card.
When you downgrade, your credit score is unaffected as it keeps your utilization the same as well as keeps the age of your account and doesn’t need a hard pull. However, there are a few cons to this choice, such as opting out of potential bonuses on the new card. Still, if you think the pros outweigh the cons, then you should move forward with the decision.
Just keep in mind a few things before you do, such as how long your account has been open. The issuer may reject your request if your account has been open for less than a year. You also want to make sure to use all your rewards on your current card as there is a chance that you may not be able to take them with you when you downgrade.
Are credit cards with annual fees ever worth it?
Choosing a no-annual-fee credit card might seem like an easy decision — who would want to pay a yearly fee when you don’t have to? However, there are times when an annual fee is justified. Oftentimes, cards with annual fees include perks that match the price such as higher welcome bonuses, higher rewards rates, and travel perks. However, these perks are only great if you use them. If you’re less involved with your card or the perks don’t fit your lifestyle, it becomes an extra bill.
For example, suppose you are a frequent traveler. In that case, upgrading from the Capital One VentureOne to the Capital One Venture Rewards Credit Card may be worth it when considering the additional benefits like TSA Precheck or Global Entry credits and lost luggage reimbursement. If you travel throughout the year, these perks can be enough to justify the cost.
However, if you’re looking strictly at miles earned on travel, there’s a gap in value. If you spend $1,500 on flights and hotels booked through Capital One Travel, you earn 7,500 miles on both cards, which equals $150 according to Bankrate’s evaluation of 2 miles per dollar. When you subtract the annual fee, you have $150 with the VentureOne and only $55 with the Venture card.
| Capital One VentureOne* | $0 | 7,500 | $150 | 15,000 | $300 |
| Capital One Venture | $95 | 7,500 | $55 | 15,000 | $205 |
How can you maximize your no-annual-fee credit card?
A no-annual-fee credit card can be a great addition to your wallet if used correctly. Keep these tips in mind when using your card:
- Pay your balance on time and in full each month. Keeping your spending in check so you can pay off your balance in full each month will allow you to take full advantage of your no-annual-fee card’s low ownership cost and keep your credit utilization low.
- Pair the no-annual-fee card with a rewards card. When you’re comfortable managing your no-annual-fee credit card, it’s worth pairing it with a card that charges an annual fee but earns more rewards. For example, one of the best no-annual-fee credit cards, the Chase Freedom Unlimited, earns cardholders cash back on certain categories but pairing it with the Chase Sapphire Reserve® for travel rewards, can round out your earnings.
- Keep the card open when you upgrade. With no annual fee to pay for keeping the card, you can use an old no-annual-fee card to boost your credit score by keeping the card open to improve your credit utilization ratio and credit history length.
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.