No annual fee credit cards

Nothing to pay just for having the card. Sorted by how much each one gives back.

Estimate based on your answers, not a credit check. Approval is up to the issuer. Advertiser disclosure · Sorted by the card's own published terms, never by what an issuer pays.

122 cards · 21 business cards are under Business · Answer 6 quick questions to see your approval odds ›

1. U.S. Bank U.S. Bank Cash+ Secured Visa Annual fee: No fee 5% two categories you choose (first $2,000/quarter combined), 2% one … More info ›
2. U.S. Bank U.S. Bank Altitude Connect Visa Signature Annual fee: No fee 4x travel, 4x gas & EV charging (first $1,000/quarter), 2x grocery/di… More info ›
3. U.S. Bank U.S. Bank Cash+ Visa Signature Annual fee: No fee 5% on two categories you choose (up to $2k/qtr), 2% one everyday cate… More info ›
4. PenFed Credit Union PenFed Platinum Rewards Visa Signature Annual fee: No fee 5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, … More info ›
5. Robinhood Robinhood Gold Card Annual fee: No fee 3% cash back on all categories (Robinhood Gold membership required) More info ›
6. Synchrony Verizon Visa Card Annual fee: No fee 4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Ver… More info ›
7. Chase Chase Freedom Unlimited Annual fee: No fee 1.5% everything, 3% dining & drugstores, 5% Chase Travel More info ›
8. Chase Chase Freedom Flex Annual fee: No fee 5% rotating quarterly categories, 3% dining & drugstores, 1% else More info ›
9. Capital One Capital One Savor Cash Rewards Annual fee: No fee 3% dining, entertainment, popular streaming & grocery stores, 1% else… More info ›
10. PNC PNC Cash Rewards Visa Annual fee: No fee 4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year… More info ›
11. U.S. Bank U.S. Bank Altitude Go Visa Signature Annual fee: No fee 4x dining, 2x grocery/gas/streaming, 1x else More info ›
12. U.S. Bank U.S. Bank Altitude Go Secured Visa Annual fee: No fee 4x dining (first $2,000/quarter), 2x grocery/gas/EV charging/streamin… More info ›
13. Synchrony Venmo Credit Card Annual fee: No fee 3% dining & entertainment, 3% paying with Venmo, 1% else; 4% when fri… More info ›
14. Capital One BJ's One+ Mastercard Annual fee: No fee 5% at BJ's (One+ members), 2% else; fuel discount More info ›
15. Chase DoorDash Rewards Mastercard Annual fee: No fee 4% DoorDash/Caviar, 3% dining, 2% grocery, 1% else More info ›
16. Capital One T-Mobile Visa Card Annual fee: No fee 5% at T-Mobile, 2% else (in T-Mobile Rewards) More info ›
17. Synchrony CareCredit Rewards Mastercard Annual fee: No fee 4x CareCredit network purchases under $200 (through 12/31/27), health… More info ›
18. American Express Hilton Honors American Express Card Annual fee: No fee 7x Hilton, 5x restaurants/US supermarkets/US gas, 3x else More info ›
19. U.S. Bank U.S. Bank Smartly Visa Signature Annual fee: No fee 2% on everything, up to 4% with Smartly Savings balances More info ›
20. Citi AT&T Points Plus Card from Citi Annual fee: No fee 3x gas & EV charging, 2x grocery & AT&T, 1x else (ThankYou points) More info ›
21. Mission Lane Mission Lane Visa (Gold Line, Silver Line, Green Line, Secured) Annual fee: No fee Gold Line: 3% gas/travel/dining, 1% else; Silver Line: 1.5% everythin… More info ›
22. Chase Instacart Mastercard Annual fee: No fee 5% Instacart (Instacart+ members), 2% dining/gas/streaming, 1% else More info ›
23. Navy Federal Credit Union Navy Federal cashRewards Plus Annual fee: No fee 2% cash back on everything (membership required) More info ›
24. Citi Citi Double Cash Card Annual fee: No fee 2% on every purchase (1% when you buy, 1% when you pay) More info ›