Best no annual fee credit cards of 2025

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75 partner offers

[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

Need help deciding?When comparing no annual fee credit cards, consider these factors before applying.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month. It doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Rewards credit cards reward you with cash back, points or miles equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some rewards credit cards reward spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

[TEST] Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Citi^® Double Cash Card – 18 month BT offer

Intro APR:	0% for 18 months on Balance Test Transfers*
Ongoing APR:	15.74% - 25.74%* (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0*

View details

Rates and fees

[TEST] Discover it^® Student Cash Back

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	17.24% - 26.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

[TEST] Discover it^® Cash Back

Intro bonus:	Dollar-for-dollar match of all cash back earned the first year
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

USAA^® Rate Advantage Visa Platinum^® Card

Ongoing APR:	8.65% - 25.65% Variable
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

USAA^® Rewards™ Visa Signature^® Card

Ongoing APR:	12.15% - 28.15% Variable
Rewards:	1x-2x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

Wells Fargo Reflect^® Card

Intro APR:	0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers
Ongoing APR:	17.24%, 23.74%, or 28.99% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

Sony^® Card from Capital One^®

Intro bonus:	N/A*
Intro APR:	N/A
Ongoing APR:	14.99% - 24.99% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

View details

[TEST] Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] Citi Rewards+^® Card

Intro bonus:	Earn 20,000 bonus 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
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

MP11 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

(1336 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] U.S. Bank Smartly™ Visa Signature^® Card

Intro APR:	0% on Purchases and Balance Transfers for 12 billing cycles
Ongoing APR:	18.49% - 28.74% Variable
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

(1519 reviews)

Citi^® Diamond Preferred^® Card

Intro APR:	0% for 21 months on Balance Transfers and 12 months on Purchases
Ongoing APR:	17.24% - 27.99% (Variable)
Rewards:	N/A*
Annual Fee:	$0

Apply View details

Rates and fees

[TEST] First PREMIER^® Bank Mastercard^® Credit Card

Intro bonus:	Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	11.99% - 22.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

(1585 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(2965 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

(2904 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

View details

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Rates and fees

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

Barclaycard Ring^® Mastercard^®

Ongoing APR:	14.24% Variable
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

Discover it^® Secured

Ongoing APR:	24.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(65 reviews)

First Latitude Platinum MasterCard^® Secured Credit Card

Ongoing APR:	28.24% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-005

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1131 reviews)

Discover it^® Chrome

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] GenAI Summary Test Bank of America^® Customized Cash Rewards credit card

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

SoFi Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	17.99% - 29.99% Variable
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1917 reviews)

Credit One Bank American Express^® Unlimited Rewards Card

Ongoing APR:	29.49% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(203 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(554 reviews)

Capital One Platinum Secured Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(1323 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	18.24% - 28.24% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(460 reviews)

Wells Fargo Reflect^® Card

Intro APR:	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	17.24%, 23.74%, or 28.99% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

(375 reviews)

Discover it^® Miles

Intro bonus:	Discover will match all the Miles you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2073-004

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(7 reviews)

AT&T Points Plus^® Card from Citi

Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-3x (Points per dollar)
Annual Fee:	N/A

Apply View details

Rates and fees

(57 reviews)

Credit One Bank^® Secured Card

Ongoing APR:	28.99% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(76 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	29.99%*
Rewards:	2% (cash back)
Annual Fee:	$0*

View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

Capital One^® Premier Dining Rewards Credit Card

Ongoing APR:	15.49% - 24.49% (Variable)
Rewards:	1%-3% (cash back)
Annual Fee:	$0

View details

[TEST] SAMU-2071-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(9199 reviews)

Discover it^® Cash Back

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(85 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

View details

Rates and fees

Wells Fargo Active Cash℠ Card test test test

Intro bonus:	Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
Intro APR:	0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	14.99%-24.99% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(967 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

View details

Rates and fees

(405 reviews)

Chase Freedom Unlimited^®

Intro bonus:	Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.49% Variable
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

View details

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$0*

View details

Rates and fees

[TEST] SAMU-2073-0015

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1976 reviews)

Blue Cash Everyday^® Card from American Express

Intro bonus:	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-3% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(667 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

LEND714 Citi^® / AAdvantage^® Gold World Elite™ MasterCard^®

Ongoing APR:	16.49% - 24.49% Variables
Rewards:	1%-5-8% (cash back)
Annual Fee:	$50 (waived for the first 12 months)

View details

(3744 reviews)

Capital One Platinum Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(139 reviews)

Capital One Quicksilver Secured Cash Rewards Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(1276 reviews)

Capital One Savor Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

(3 reviews)

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

MP13 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

View details

Rates and fees

[TEST] Capital One Platinum Credit CardTESTV6

Ongoing APR:	29.99% (Variable)
Rewards:	N/A*
Annual Fee:	N/A

View details

Rates and fees

(765 reviews)

Capital One Quicksilver Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

Wells Fargo Cash Wise Visa^® card

Intro APR:	0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers
Ongoing APR:	15.49%-27.49% (Variable)
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

View details

Short Disclaimer

Rates and fees

[TEST] SAMU-2071-006

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1959-003

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

Blue Cash Everyday^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.24%-26.24% Variable
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

(494 reviews)

Capital One^® Quicksilver^® Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.49% - 25.49% (Variable)
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Rates and fees

(315 reviews)

Avant^® MasterCard^®

Ongoing APR:	35.99%*
Rewards:	N/A*
Annual Fee:	$0*

View details

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best no annual fee credit card

Know your spending habits

Choose a card that matches your financial needs.

Look for the best rewards

See which card will earn you more on what you already buy.

Consider a 0% APR card

Make a big purchase and save on interest for a year or more.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

Frequently asked questions

An annual fee is a yearly charge that some credit cards charge to borrowers. When you sign up for a credit card that has an annual fee, you'll be required to pay the annual fee when you first receive your credit card (though some credit cards waive the first year's fee as a new applicant perk). Then, you'll pay the annual fee again each cardholder anniversary. Annual fees can range from $39 to upwards of $500.

There are two main reasons that a credit card may include an annual fee.

First, some credit cards offer highly desirable perks, such as valuable cash back, miles, points or other rewards benefits. The annual fee helps the credit card issuer offset the cost of these competitive benefits. As a borrower, you might find that the value you get out of these rewards is enough to justify paying the annual fee.

Second, some credit cards tailored to borrowers with no credit history or with poor credit charge an annual fee. While these credit-building credit cards may not offer the same rewards that other annual fee cards do, you may decide to go this route in order to improve your credit. That said, you can also build your credit with a secured credit card, which may not include an annual fee.

You'll typically pay the annual fee on a new credit card within the first month after you sign up for the card. Then, you'll be charged the annual fee as a lump sum once every 12 months. The annual fee will show up as a charge on your credit card statement.

No annual fee means that a credit card doesn't charge you a yearly fee simply for using your card. This can offer you more flexibility, as you won't need to get the most use out of your card in order to compensate for the cost of keeping it open.

On the other hand, no annual fee cards can have other types of credit card fees, such as regular purchase APR, foreign transaction fees or returned payment fees. What makes these charges different is that, unlike if a card charges an annual fee, you can avoid paying if you don't carry a credit card balance and read the credit card agreement to understand the terms before you use your card.

While it can sometimes be the case that a no annual fee card doesn't offer the same beefy rewards as one with a yearly charge, this isn't always true. You can find a no annual fee card with the rewards that add the most value to your spending.

For example, you can find a credit card with cash back rewards for the spending you already do. Or, you can find a credit card with a hefty intro bonus and 0% APR introductory period to make the most out of a large purchase. Ultimately, you should apply for the credit card that offers you the highest overall value.

While there's no guarantee that you'll be able to get your card's annual fee waived, it doesn't hurt to try. You may be able to leverage your relationship with your credit card company to ask them to waive the fee. For example, if you call your credit card company and explain that you're considering closing your card because it's too expensive to keep it open, they may offer to waive the fee for a year in order to keep your business.

Here are two main reasons to choose a no annual fee credit card:

You don't feel comfortable paying an annual fee. Whether you're a big credit card spender or not, you may just not like the idea of paying a charge simply to have a certain credit card. Fortunately, there are no shortage of no annual fee credit card options to choose from.
You don't use the credit card often enough to justify paying a fee. Maybe you only use your credit card once in a blue moon or keep it in your wallet as an emergency only payment option. If that's the case, paying an annual fee could mean taking a financial loss each year. A no annual fee card would work just as well for you, and you wouldn't have to worry about the yearly expense.

Yes, it's possible to get a credit card with no annual fee if you have bad credit. That said, your options will be more limited. You should consider looking for no annual fee cards specifically designed for applicants who need to improve their credit.

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Frequently asked questions

What is an annual fee?

Why do some credit cards have an annual fee?

When do you pay an annual fee on a credit card?

What does "no annual fee" mean?

What features should you look for in a no annual fee credit card?

How do I get my credit card annual fee waived?

Why should I choose a no annual fee credit card?

Can I get a credit card with no annual fee if I have bad credit?

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