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Best ‘No Annual Fee’ Credit Card Bonuses

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This page includes information about American Express products currently unavailable on Slickdeals.

Paying an annual fee can negate many of the credit card benefits you enjoy most.

Whether you’re trying to maximize cash back, save money with a no-interest offer or simply enjoy the perks of a particular card, we’ve rounded up the best no-annual-fee card bonus offers from our credit card partners.

Summary of No Annual Fee Credit Cards & Bonus Offers:

No Annual Fee Credit CardsAvailable Bonus Offer
Chase Freedom Flex℠ CardBonus Offer: Earn $200 after spending $500 in the first 3 months of account opening
Intro 0% APR: New purchases
Chase Freedom Unlimited® CardBonus Offer: Earn an additional 1.5% cash back on purchases (up to $20,000 spent in the first year)
Intro 0% APR: New purchases
Chase Freedom® Student CardBonus Offer: Earn $50 after making a first purchase within the first 3 months from account opening
Intro 0% APR: None
Wells Fargo Active Cash® Card (Rates and Fees)Bonus Offer: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months of account opening
Intro 0% APR: New purchases and balance transfers
APR: 18.74%, 23.74%, or 28.74% (Variable)
Blue Cash Everyday® Card from American ExpressBonus Offer: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
Citi Custom Cash℠ CardBonus Offer: Earn $200 after spending $1,500 in the first 6 months of account opening
Intro 0% APR: New purchases and balance transfers
Citi Rewards+® CardBonus Offer: Earn 20,000 ThankYou Points after spending $1,500 in the first 3 months of account opening + earn 5x ThankYou Points per dollar spent at restaurants up to $6,000 in the first 12 months
Intro 0% APR: New purchases and balance transfers
Capital One Quicksilver Cash Rewards Credit CardBonus Offer: Earn a one-time $200 cash bonus after spending $500 in 3 months from account opening
Intro 0% APR: New purchases and balance transfers for the first 15 months. 3% balance transfer fee applies. Variable APR based on creditworthiness applies after this offer concludes.
APR: 17.99% - 27.99% (Variable)
Capital One SavorOne Cash Rewards Credit CardBonus Offer: Earn $200 after spending $500 in the first 3 months from account opening
Intro 0% APR: New purchases and balance transfers for the first 15 months. 3% balance transfer fee applies. Variable APR based on creditworthiness applies after this offer concludes.
APR: 17.99% - 27.99% (Variable)
Capital One VentureOne Rewards Credit CardBonus Offer: Earn 20,000 miles after spending $500 in the first 3 months from account opening
Intro 0% APR: New purchases and balance transfers for the first 15 months. 3% balance transfer fee applies. Variable APR based on creditworthiness applies after this offer concludes.
APR: 17.99% - 27.99% (Variable)
Marriott Bonvoy Bold® Credit CardBonus Offer: Earn 60,000 points after spending $2,000 in the first 3 months of account opening
Intro 0% APR: None
United Gateway℠ CardBonus Offer: Earn 30,000 miles after spending $1,000 in the first 3 months.
Intro 0% APR: New purchases
Ink Business Cash® Credit CardBonus Offer: Earn $900 after spending $6,000 in the first 3 months
Intro 0% APR: New purchases
Ink Business Unlimited® Credit CardBonus Offer: Earn $900 after spending $6,000 in the first 3 months
Intro 0% APR: New purchases

>>Review the methodology our financial experts use to determine which credit cards are the best in category, or skip to the most frequently asked questions about no-annual-fee credit card bonuses.

Best No-Annual-Fee Credit Card Bonuses From Our Partners


Chase Freedom Flex℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex℠ Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

The Chase Freedom Flex Card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardholders can take advantage of its excellent rewards rate: 5% cash back on rotating categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases.

As a new Freedom Flex cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months.

The Freedom Flex also offers an introductory 0% APR on new purchases and balance transfers for the first 15 month from account opening. Read our full Chase Freedom Flex Card review.


Chase Freedom Unlimited® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

More Details: The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


Chase Freedom® Student Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $50
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 1% cash back per dollar spent on all purchases. Cash-back rewards don’t expire as long the account is open, and there is no minimum to redeem for cash back.

Sign-Up Bonus: Receive a $50 cash bonus after first purchase is made with the card during the first three months of account membership.

Who Should Use This Credit Card? People who are looking to build credit and earn rewards with their first student credit card.

Why We Like It

Why We Like the Chase Freedom® Student Credit Card

The Chase Freedom® Student credit card is a great starting credit card for college students who want to earn cash back rewards with no annual fee. Overall, the Chase Freedom Student credit card is a good choice for those who are newer to credit. Chase is a top brand for anyone into cash back or travel rewards credit cards and this card is a good way to get your foot in the door with valuable bonuses and useful features.

Major highlights include a $50 cash bonus after making your first purchase and a $20 annual bonus for keeping your account in good standing for up to five years. In addition to bonuses worth $150, you will earn 1% back on all other purchases with the card. It also comes with valuable benefits at DoorDash and Lyft.

Credit cards, when handled responsibly, are an important part of managing your finances. The Chase Freedom Student credit card is a great starting credit card for college students who want to earn cash-back rewards with no annual fee.

Major highlights include a $50 cash bonus after making your first purchase within the first three months of account opening and a $20 annual bonus for keeping your account in good standing for up to five years. In addition to bonuses worth $150, you will earn 1% back on all other purchases with the Freedom Student Card. It also comes with valuable benefits at DoorDash and Lyft. Read our full review of the Chase Freedom Student Card.


Wells Fargo Active Cash® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Earn a $200 cash rewards bonus
APR: 18.74%, 23.74%, or 28.74% variable APR after low intro APR period.
Rewards Rate: 2% cash rewards on purchases
Details: Full Review

Rates and Fees

Offer Terms

Annual Fee: $0

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases and qualifying balance transfers, then the regular APR is applied to balances. Balance transfers must be made within the first 120 days of membership to qualify for the introductory 0% APR and 3% fee. After the promotional period, balance transfer fees increase to 5% (minimum of $5).

APR: After the low intro APR offer concludes, a 18.74%, 23.74%, or 28.74% variable APR applies.

Rewards Rate: The card offers unlimited 2% cash rewards on purchases.

Sign-Up Bonus: New cardholders earn a one-time $200 cash rewards bonus after spending $1,000 in purchases in the first three months.

Who Should Use This Credit Card? People who prioritize simple cash rewards and do not want the hassle of tracking bonus spending categories.

Why We Like It

Why We Like the Wells Fargo Active Cash® Card

If you’re a fan of earning cash rewards for your everyday spending, then you need a credit card that rewards you for purchases outside of popular bonus categories like travel, grocery stores and gas stations. With the Wells Fargo Active Cash® Card (Rates and Fees), you earn 2% back for every dollar spent without the fuss of tracking specific bonus categories.

Plus, cash rewards do not expire as long as your account remains open. And, you get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your card (subject to a $25 deductible).

It’s rare for a 2% rewards card to feature a bonus offer for new cardholders. Additionally, the introductory 0% APR offer for the first 15 months of card ownership will be appealing to households planning on expensive projects like home remodeling or big-ticket purchases like appliances and vehicle repair.

More Details: Many rewards credit cards tempt you with bonus rewards for specific purchases, but with the Wells Fargo Active Cash® Card (Rates and Fees), you simply receive a 2% cash rewards on purchases. There’s no need to register for anything, and there is no annual fee to carry this credit card in your wallet.

Plus, you now get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

Wells Fargo Active Cash® Card applicants can earn a $200 cash rewards bonus after spending $1,000 on the card within the first three months of account opening. Additionally, new accounts receive a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (18.74%, 23.74%, or 28.74% variable APR after low intro APR period). Qualifying balance transfers must be made within 120 days of account opening. Read our full review of the Wells Fargo Active Cash® Card.


American Express Blue Cash Everyday® Card

Offer Details

Annual Fee: $0
Welcome Offer: Earn up to $250
Intro APR: 0% intro APR on purchases for the first 15 months
APR: Variable APR of 17.74% to 28.74% is applied to balances once the promotion concludes, depending on creditworthiness
Rewards Rate: 1%-3% Cash Back .
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: Enjoy introductory 0% APR on new purchases and balance transfers for the first 15 months from the date of account opening, then a variable rate of 17.74% to 28.74% applies. Terms apply.

APR: 17.74% to 28.74% Variable APR on balances, depending on your credit worthiness.

Rewards Rate: This card earns 3% cash back per dollar spent at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations, up to $6,000 each calendar year (then 1%). All other eligible purchases earn 1% back. Terms Apply.

Welcome Bonus: New cardholders can earn up to $250 after spending $2,000 with the card during their first six months of card membership. Terms apply.

Who Should Use This Credit Card? Households who frequently purchase groceries and gasoline, but not in quantities high enough to justify paying an annual fee.

Why We Like It

Why We Like the Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers good value among cash back rewards card competitors with no annual fee. Between its competitive rewards rate and up to $250 welcome bonus offer, it’s easy to extract a lot of value from this card.

Cardholders earn cash back rewards of up to 3% on every purchase, with bonuses for eligible grocery store, online retail purchases, and gas station purchases in the U.S. and 1% on standard purchases everywhere else. Terms Apply.

If you want to earn cash back on everyday purchases but don’t feel like your household budget is high enough to justify a more premium card with an annual fee, this card might be a good choice.

For a card with no annual fee, the Blue Cash Everyday® Card from American Express offers an impressive amount of value. Right off the bat, new cardmembers can earn a $250 Welcome Bonus. To earn this welcome offer, you have to spend at least $2,000 on purchases using the card over the first six months (Terms Apply). This will get you a $100 statement credit. The additional $150 you earn as statement credits by simply shopping with PayPal and using your new card to check out. You earn 20% back up to $150, which would require $750 in spend via PayPal.

This card earns 3% cash back per dollar spent at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations, up to $6,000 each calendar year (then 1%). All other eligible purchases earn 1% back.

If you’re looking for a simple card to get cash back and earn a bonus on the popular groceries and gas categories, this card could fit your spending needs. Check out our full review of the Blue Cash Everyday® Card from American Express.


Citi Custom Cash℠ Card

Offer Details
CITI Custom Cash card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.74% – 27.74% After Intro 0% APR Period
Rewards Rate: 5% Back in Top Eligible Spend Category
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Note that there is a balance transfer fee of $5 or 5% of the transfer, whichever is greater. Furthermore, balance transfers need to occur during the first four months of account opening.

Once the no-interest offer concludes, a variable APR between 17.74% – 27.74%, based on credit worthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Sign-Up Bonus: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Who Should Use This Credit Card? People who want flexibility in their spending rewards.

Why We Like It

Why We Like the Citi Custom Cash℠ Card

The Citi Custom Cash Card, from our partner Citi, has a novel approach to rewarding spending. The credit card offers an impressive 5% cash back on purchases made in your top eligible spending category each month, up to $500 spent per month — no activation required. After that, you’ll earn just 1% back on every purchase because that’s the base rewards rate.

The list of eligible bonus categories includes restaurants, gas stations, grocery stores, select travel and transit, select streaming services, drug stores, home improvement stores, fitness clubs and live entertainment.

Cardholders can redeem their ThankYou Points for cash back as a direct deposit, statement credit or check. Alternatively, they can redeem their points for gift cards, travel and online shopping via Amazon.com. The ThankYou rewards program also partners with a number of airlines, both domestic and international, and you can transfer your points to these frequent flyer programs.

More Details: The Citi Custom Cash Card, from our partner Citi, gives cardholders the chance to earn 5% cash back every month on their top eligible spending category, up to $500 each month — no activation required. This Citi card is technically billed as a cash-back credit card, but you’ll actually earn ThankYou Points, which can be worth more than traditional cash-back rewards.

Citi Custom Cash Card is offering $200 cash back after you spend $1,500 in the first 6 months — that’s 20,000 ThankYou Points, which you can redeem for cash back or for a number of other things, including gift cards and travel. Plus, new cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Read our full review of the Citi Custom Cash Card.


Citi Rewards+® Card

Offer Details
Citi rewards+ card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 ThankYou Points
APR: Variable APR Between 17.24% – 27.24% After Intro 0% APR Period
Rewards Rate: 1X-5X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Afterwards, any balances will carry a variable APR based on creditworthiness. Note that there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the balance transfer fee is 5% of each transfer ($5 minimum).

APR: After the intro 0% APR offer concludes, a variable APR between 17.24% – 27.24% will apply.

Rewards Rate: The card offers 5X ThankYou Points per dollar spent at restaurants up to $6,000 in the first 12 months (and then the point-to-dollar ratio becomes 1:1 thereafter). Additionally, earn 2X ThankYou Points per dollar spent at grocery stores and gas stations for the first $6,000 per year (after that, the point-to-dollar ratio is 1:1). Otherwise, the card awards 1x ThankYou Points per dollar spent on all eligible spending.

Sign-Up Bonus: Earn 20,000 bonus ThankYou Points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Who Should Use This Credit Card? People who make lots of small purchases.

Why We Like It

Why We Like the Citi Rewards+® Card

The Citi Rewards+ Card, from our partner Citi, has a novel approach to rewarding spending. It rounds up all purchases to the nearest 10 ThankYou Points. As an example, if you bought a cup of coffee for $2, you’d earn 10 ThankYou Points. Similarly, if a burger and fries cost $15, you’d earn 20 ThankYou Points. Awesome, right?

If you make a lot of small purchases, like a morning cup of coffee, this could be the card for you. The Citi Rewards+ Card also earns 2X ThankYou Points per dollar spent at grocery stores and gas stations up to the first $6,000 each year. Plus, for a limited time earn 5X ThankYou Points per dollar spent at restaurants up to $6,000 in the first year. The card offers introductory 0% interest on purchases and balance transfers for the first 15 months.

Citi Rewards+ Card, from our partner Citi, is a cash-back rewards credit card with no annual fee. The card includes unique features, including a round-up to the next 10 Thank You Points on any purchase and 10% back on redemptions. New cardholders can earn 20,000 bonus ThankYou Points after spending $1,500 in the first three months of the account opening date for a limited time. Additionally, new cardholders earn 5x ThankYou points per dollar spent at restaurants up to $6,000 in the first 12 months (then the points-per-dollar ratio becomes 1:1 thereafter).

When shopping with the Citi Rewards+ Card, you’ll earn 2x ThankYou Points per dollar spent at supermarkets and gas stations up to $6,000 in annual purchases. That means you can earn up to 12,000 points per year from these bonus category purchases. Any other purchases beyond $6,000 earn the card’s regular rewards rate of 1x point per dollar. Read our full review of the Citi Rewards+ Card.


Capital One Quicksilver Cash Rewards Credit Card

Offer Details
capital one quicksilver card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.99%-27.99% After Intro 0% APR Period
Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: Introductory 0% APR on purchases for 15 months, variable APR after that. The Capital One Quicksilver Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Variable APR between 17.99%-27.99% based on creditworthiness.

Rewards Rate: The card offers unlimited 1.5% cash back per dollar on every purchase you make and 5% cash back on hotels and rental cars booked through Capital One Travel, giving cardholders predictability and simplicity.

Sign-Up Bonus: New cardholders can earn a one-time $200 cash bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? Households that want a simple, flat-rate cash rewards without spending categories or annual fees.

Why We Like It

Why We Like the Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card features several standout benefits. The $200 bonus opportunity with a low $500 spending requirement for new cardholders is certainly notable. The potential cash back earnings with the Capital One Quicksilver Cash Rewards Credit Card are hard to ignore. You can maximize your rewards by making it your go-to everyday use credit card.

With no annual fee, all of your spending goes towards earning rewards. It’s even a great card to use when traveling internationally since it has no foreign transaction fees.

The Capital One Quicksilver Cash Rewards Credit Card is a popular cash-back credit card, offering unlimited 1.5% cash back on all purchases. Additionally, earn 5% cash back on rental cars and hotels booked through Capital One Travel.

New cardholders can earn a one-time $200 cash bonus once you spend $500 within three months of account opening. Additionally, the Capital One Quicksilver Cash Rewards Credit Card offers an introductory 0% APR offer on purchases and balance transfers for 15 months. A 3% balance transfer fee applies. (Variable APR between 17.99%-27.99% based on creditworthiness applies after this offer concludes. See details on issuer site).

The benefits of this Capital One Quicksilver Cash Rewards Credit Card aren’t limited just to its cash-back rewards. To start out, there’s no annual fee, and the card also offers several key travel perks and purchase protections that help to make it a standout fee-free rewards card to add to your wallet. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.


Capital One VentureOne Rewards Credit Card

Offer Details
capital one ventureone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 Miles
APR: Variable APR Between 17.99% – 27.99% After Intro 0% APR Period
Rewards Rate: 1.25X-5X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases. The VentureOne Rewards Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: After the intro 0% APR offer concludes, a 17.99% – 27.99% variable APR will apply.

Rewards Rate: The card offers unlimited 1.25x miles per dollar on every purchase you make. You’ll also earn 5X miles on all hotel and rental car purchases that you make with the card through Capital One’s proprietary travel booking platform.

Sign-Up Bonus: New cardholders can earn 20,000 bonus miles after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? Travel rewards enthusiasts who want simplicity in credit card rewards and benefits without paying an annual fee.

Why We Like It

Why We Like the Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card features several standout benefits. The 20,000 bonus mile opportunity with a low $500 spending requirement is certainly notable.

But perhaps the most appealing feature of this travel credit card is the ability to transfer miles to Capital One travel partners—an uncommon feature on a card with no annual fee. Plus, the ability to transfer miles to travel partners—both airlines and hotels—is arguably the most attractive feature of this travel card.

The Capital One VentureOne Rewards Credit Card may work well for travel credit card users who want to earn rewards without the cost of an annual fee.

The ability to transfer rewards miles to travel partners—both airlines and hotels—is arguably the most attractive feature of this travel card. The 0% introductory APR for 15 months (then a 17.99% – 27.99% variable APR applies), no foreign transaction fees, sign-up bonus of 20,000 miles once you spend $500 on purchases within the first three months, give the Capital One VentureOne Rewards Credit Card added value as well. Read our full review of the Capital One VentureOne Rewards Credit Card.


Capital One SavorOne Cash Rewards Credit Card

Offer Details
capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.99% – 27.99% After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The Capital One SavorOne Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Once the intro APR period has concluded, a variable APR between 17.99% – 27.99% applies based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Also, earn 8% cash back on Capital One Entertainment purchases. Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One SavorOne Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a Capital One SavorOne Cash Rewards Credit Card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Also, the card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

The Capital One SavorOne Cash Rewards Credit Card is an absolute cash-back powerhouse. It awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Disney+ and Hulu. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Also, earn 8% cash back on Capital One Entertainment purchases. Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases. That’s a lot of value for a cash-back credit card with no annual fee.

New Capital One SavorOne Cash Rewards Credit Card users can earn a one-time $200 cash bonus after spending $500 on the credit card in the first three months of account opening. You also won’t pay any interest on purchases or balance transfers for the first 15 months. A 3% balance transfer fee applies. (A variable APR of 17.99% – 27.99% applies at the conclusion of this 15-month period). Read our full review of the Capital One SavorOne Card.


Marriott Bonvoy Bold® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 30,000 Points
APR: Variable APR
Rewards Rate: 1X-14X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers up to 14X total Bonvoy points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy, 2X points on other travel purchases (from airfare to taxis and trains) and 1X point on all other purchases.

Sign-Up Bonus: This card offers 30,000 Bonus Points after spending $1,000 on purchases in your first three months from account opening.

Who Should Use This Credit Card? Marriott loyalists who want to earn rewards without an annual fee or for people who are dipping their toes into the Marriott rewards program.

Why We Like It

Why We Like the Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold Credit Card is a solid choice if you’re interested in getting into the travel rewards game, but don’t want to commit to an annual fee. This credit card offers a solid welcome bonus and can be a great place to start, especially if you’re loyal to Marriott. Every cardmember year, you’ll receive 15 Elite Night Credits, which is enough to qualify you for Silver Elite Status with Marriott. This status level comes with 10% bonus points when you book Marriott stays with cash, late checkout when available and ultimate reservation guarantee.

As with other hotel cards, this one offers outsized rewards on purchases made with the hotel brand. You’ll earn up to 14 points per dollar at participating Marriott Bonvoy hotels — that includes 3X points per dollar from the card, 10x points per dollar as a Marriott Bonvoy member and 1X point per dollar as a Marriott Bonvoy Silver member, which you get automatically as a cardholder. The card also offers 2X points per dollar on other travel purchases and 1X point per dollar on all other purchases you make with the card.

The Marriott Bonvoy Bold® Credit Card is the hotel chain’s entry-level credit card. While this hotel credit card doesn’t offer the numerous perks that other Marriott credit cards do, the Bonvoy Bold has no annual fee. So it’s a nice addition to your wallet if you’re fee-averse and just want to dip your toe into Marriott Bonvoy Rewards.

New cardholders can earn a sign-up bonus of 30,000 points after spending $1,000 within the first three months of account opening. Plus, every cardmember year, you’ll receive 15 elite night credits, which is enough to qualify you for Silver elite status with Marriott. This status level comes with 10% bonus points on eligible hotel purchases, late checkout when available, and ultimate reservation guarantee. Read our full review of the Marriott Bonvoy Bold.


United Gateway℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 30,000 bonus miles
Intro APR: 0% APR on Purchases for 12 Months
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1X-2X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders receive 0% APR on purchases for 12 months.

APR: Variable APR depending on creditworthiness at the conclusion of the Intro APR period.

Rewards Rate: The card earns 2X miles per dollar spent on United Airlines purchases, at gas stations and on local transit and commuting and 1 mile per dollar spent on all other purchases.

Sign-Up Bonus: New cardholders earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

Who Should Use This Credit Card? People who fly United 2-3 times a year.

Why We Like It

Why We Like the United Gateway℠ Card

The United Gateway Card is the airline’s basic no-annual-fee credit card. It doesn’t offer a lot of perks. But if you’re just looking to dip your toe into airline rewards or want to try out United, it could be a good way to do that.

The United Gateway Card does offer some travel insurance and purchase protections such as rental car insurance, trip cancelation and interruption insurance, extended warranty protection and purchase protection that covers purchases against theft or damage up to 120 days after the transaction date, with up to $500 per claim and $50,000 total coverage.

The United Gateway℠ Card is a strong option for people interested in earning free flights with United Airlines, but who also don’t want to pay an annual fee. The Gateway Card gets new cardholders started off with a sign-up bonus of 30,000 MileagePlus Miles after spending $1,000 in the first three months of account opening. Additionally, enjoy 0% Intro APR on purchases for 12 months (variable APR applies after).

The United Gateway Card doesn’t offer a lot of the perks that other premium United credit cards provide, but for a no-annual-fee airline credit card, you’ll get 25% back on United inflight purchases, such as food, beverages and Wi-Fi, when you use your card to pay. You’ll also have the ability to use your miles to access exclusive experiences that aren’t available to non-cardholders. Read our full review of the United Gateway Card.


Ink Business Cash® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Limited Time Offer: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

More Details: TheInk Business Cash® Credit Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations each account anniversary year. You’ll earn 1% cash back on virtually all other purchases.

As a new cardholder, get $900 in bonus cash back when you make $6,000 worth of purchases within the first three months of account opening. Additionally, this no-annual-fee card offers an introductory 0% APR during the first 12 months of account opening on new purchases (balance transfers are excluded from this intro APR offer). Read our full review of the Ink Business Cash.


Ink Business Unlimited® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers 1.5 cents (as 1.5 Ultimate Rewards® points) per dollar spent on all purchases, with no limits.

Sign-Up Bonus: This card offers you $900 in cash back after you spend $6,000 on new purchases within three months of account opening.

Who Should Use This Credit Card? This is a valuable card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Why We Like It

Why We Like the Ink Business Unlimited® Credit Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option.

The card has no annual fee but offers an incredible $900 cash bonus after you spend $6,000 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

The Ink Business Unlimited® credit card is one of the best business rewards credit cards on the market, primarily because of its large upfront bonus. As a new cardholder, you’ll earn $900 in bonus cash after you spend $6,000 in the first three months from account opening.

Ink Business Unlimited offers a simple flat-rate 1.5% cash back per dollar spent on all purchases. Plus, new accounts can take advantage its introductory 0% interest rate on new purchases made during the first 12 months of account opening. And, if you need employee cards, you can get them at no additional charge. Read our full review of the Ink Business Unlimited® card.


American Express: Biggest No-Annual-Fee Credit Card Bonuses

American Express is among the premier credit card issuers in the U.S. Not only do many of the best Amex cards have sizable welcome bonus offers, they continue to offer value throughout the year with accelerated Membership Rewards Points earnings and cash-back rewards.

No-fee rewards cards like the Cash Magnet and Blue Cash Everyday offer additional benefits like introductory interest-free periods, while co-branded airline and hotel cards with Delta and Hilton don’t charge foreign transaction fees for international purchases.

No annual fee American Express cards include:

Are Credit Cards With Annual Fees Worth It?

One of the top questions among credit card users is, “Are annual fees worth it?” When you are trying to save money and stick with a budget, we can see why paying money to use plastic seems like a waste. However, when used wisely, an annual fee card can save money and earn you more cash back than a no annual fee card can.

If you’re on the fence about an annual fee card, take a look at the bonuses and additional perks that come included, then see if you can assign a tangible dollar value to those features. Collectively, you may find that you’re getting more value out of the card than the annual fee is worth.

Common Benefits of No Annual Fee Credit Cards

In many cases, paying an annual fee is worth it if you use your card wisely and can maximize the card’s benefits. But what is a no annual fee credit card worth? If you are new to using credit cards or are looking for a card to boost your credit, no annual fee cards have many benefits too. Here are the top benefits of no annual fee cards:

  • Rewards: No annual fee cards offer you more back on your spending than if you just use your debit card for eligible purchases. If you switch your main spending to a rewards credit card rather than your debit card, you can earn several hundreds of dollars back each year.
  • Travel: Look for cards that offer travel perks, like $0 foreign transaction fees or travel protection. The Bank of America Travel Rewards credit card has no annual fee card offer 1.5 points per dollar spent on eligible purchases along with $0 foreign transaction fees.
  • Cash Back: Some cards offer maximum cash back without an annual fee. The Bank of America Customized Cash Rewards credit card has rotating cash back categories that earn 3% back in the category of your choice.
  • 0% APR Introductory Rate: Looking to save on a large purchase? Several no annual fee cards also come with an introductory 0% APR for 12-15 months. This can help you pay off a large purchase without paying extra for interest.
  • Easier to Budget: If you are on a tight budget, a no annual fee card can give you credit card benefits without adding any burden to your existing budget.
  • Building Credit: Many of the top annual fee cards require excellent credit, meaning many applications will be rejected due to not having a well-established credit history. You can build up your credit score and history with a no annual fee card.

When to Use No-Annual-Fee Cards

An annual fee rewards card isn’t for everyone, but a card without an annual fee might be a better choice for the following:

  • New Credit Users: If you are just dipping your toe in the credit card game, start with a no annual fee card with a sweet signup bonus.
  • Occasional Credit Card Users: If you don’t whip out plastic for every purchase, then a rewards card with an annual fee might not be worth your time. Instead, keep a no annual fee card in your wallet in case of emergencies or for added protection on online and gas station purchases.
  • People Consolidating Debt: If you are trying to tackle your debt load this year, then you don’t need an annual fee card to do so. Instead, look for a card that comes with a 0% intro APR for transfer balances. You will have to pay a fee for the initial balance transfer, but the extended 0% APR can help you pay off your debt without worrying about costly interest charges.

Methodology

This list does not represent all of the no annual fee credit cards available today, but rather some of our all-around favorites. We took a look at cards that are fee-free while also offering great rewards and cardholder benefits. Many of these benefits make them competitive even against some of the annual fee cards on the market.

Between the cash back offered and benefits provided, these cards can both save you money each year and make life easier every time you spend.

No-Annual-Fee Credit Cards FAQ

Credit cards without an annual fee are a good choice for individuals new to the credit card space. These cards can save you money automatically over a card with a fee. We’ve gathered everything you need to know about choosing a no annual fee credit card so that you can make the best decision for your finances.

What Is an Annual Fee?

An annual fee is a set charge that occurs yearly. For credit cards with annual fees, the charge is applied to your account as soon as you are approved. You will see that same annual fee charged on your card anniversary. If you do not pay the annual fee, you will start to pay interest on it. Since your annual fee is applied to your credit card balance automatically, it will affect your credit card limit. For example, if you applied for a card with a $5,000 credit limit and the annual fee is $95, your new credit limit will be $4,905 until you pay your bill. Keep this in mind if you are hoping to use your new card for a big purchase right after signup.

Why Do Some Cards Have Annual Fees?

Many cards charge annual fees so they can offer more rewards to cardholders. In order to attract new cardholders with spectacular sign-up bonuses and perks, they need to offset the cost with annual fees.

When Are Annual Fees Typically Charged?

You should see the charge for your annual fee on your first credit card statement. Some cards waive the annual fee for the first year. The annual fee for that card would then occur on your first anniversary of opening the card. Usually, you will see a one-time charge on the first day of your anniversary month. For example, if you opened your new card on January 15th, 2020, you should expect a one-time charge for the annual fee the first week of January 2021. Many cards offer anniversary gifts each year, such as a travel credit. If your card does offer annual credits, they will be available at the same time as your annual fee is charged.

What Does ‘Other Purchases’ Mean?

With rewards cards, the term “other purchases” typically refers to eligible purchases made outside of bonus categories or spending categories. Cash rewards rates are usually lowest on spending categorized as “other purchases.”

What Is a Statement Credit?

A statement credit is money paid to your account by your card issuer. It essentially works the same as a cash payment to your account. Some rewards card issuers like American Express often offer statement credits as a payout for cash rewards or other point redemption. Statement credit can be used to pay down your card balance or they can remain on your statement as a positive account balance for future purchases.

What Is a Balance Transfer Credit Card?

Unlike travel cards like the Chase Sapphire Preferred and the Chase Sapphire Reserve, a balance transfer card is a credit card specifically focused on encouraging consumers to move their debt. A balance transfer card usually offers a 0% APR for a limited period of time to attract borrowers who are tired of their high-interest credit card debt. In many cases, it’s possible to find a balance transfer card that will offer 0% APR on credit card balances for 12, 15, 18 or 21 months. Generally, your new card issuer pays off your debt with the other creditor and you make payments to your new creditor instead.

What Is a Balance Transfer Fee?

Many credit card issuers charge a fee to handle the process of moving your debt from your old creditor to the new card. It’s common for balance transfer fees to be between 3% and 5% of the amount you transfer. Some creditors might also impose a minimum fee of $5 or $10. This fee is typically added to your credit card balance.

What to Look for in a Balance Transfer Offer

When considering a balance transfer credit card, it’s important to pay attention to what matters to you, and what is likely to help you to reach your personal finance goals. Some features to pay attention to include a long introductory 0% interest period (don’t settle for a low APR credit card), no or low balance transfer fees, no-interest on new purchases too, and rewards earning potential or a sign-up bonus.

What Is a Foreign Transaction Fee?

A foreign transaction fee is what your credit card issuer — such as Chase or American Express — charges when a transaction you make with your rewards card processes in a foreign currency or passes through a foreign bank. To process these foreign transactions, your credit card issuer charges you a percentage of the amount of this transaction, typically 3%. You’ll commonly see foreign transaction fees listed on your card statement as a separate charge.

More Current Bank Bonuses & Promotions:

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Ryan M Tronier
Ryan M Tronierhttps://ryantronier.com/
Ryan Tronier is a personal finance expert and writer. His work has been published on NBC, ABC, USATODAY, The Mortgage Reports, Yahoo Finance, MSN, and more. Ryan is the former managing editor of the finance website Sapling, as well as the former personal finance editor at Slickdeals. Find him online at ryantronier.com.

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