US National Credit Cards

Compare Credit Cards With $0 Annual Fee

Want a credit card without paying an annual fee? While offers with annual fees can sometimes have better benefits, you can find great offers with 0% APR introductory rates and rewards without one. Below are credit card offers with no annual fee. Compare offers to find the best one to fit your needs.

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23 Offers - Page 1 of 3

BankAmericard® Credit Card

Rewards: None
For Excellent or Good Credit
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 Billing Cycles*  0% for 15 Billing Cycles* None 12.99% - 22.99% Variable APR on purchases and balance transfers $0 Be the First
The Amex EveryDay® Credit Card from American Express

Rewards: Flexible Rewards
For Excellent or Good Credit
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 months*  0% for 12 months* 10,000 Bonus Points* 13.99% - 23.99% Variable* $0 Be the First
Bank of America® Cash Rewards Credit Card

Rewards: Cash Back
For Excellent or Good Credit
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 Billing Cycles*  0% for 12 Billing Cycles* $150 Online Cash Rewards Bonus 13.99% - 23.99% Variable APR on purchases and balance transfers $0 Be the First
Blue Cash Everyday® Card from American Express

Rewards: Cash Back
For Excellent or Good Credit
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months*  0% for 15 months* $150 Bonus* 13.99% - 24.99% Variable* $0 Be the First
Bank of America® Travel Rewards Credit Card

Rewards: Travel
For Excellent or Good Credit
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A  0% for 12 Billing Cycles* 20,000 Online Bonus Points 15.99% - 23.99% Variable APR on purchases and balance transfers $0 Be the First
Citi® Double Cash Card – 18 month BT offer

Rewards: Cash Back
For Excellent or Good Credit
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 18 months* N/A None 14.49% - 24.49% Variable* $0* Be the First
HSBC Cash Rewards Mastercard® credit card

Rewards: Cash Back
For Excellent or Good Credit
  • Limited Time Offer: Earn unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 13.99%, 17.99% or 23.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Terms

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months* N/A $150 Bonus* 13.99% - 23.99% (V)* $0 Be the First
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

Rewards: Flexible
For Excellent or Good Credit
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 21 months*  0% for 21 months* None 13.99% - 23.99% Variable* $0* Be the First
U.S. Bank Cash+™ Visa Signature® Card

Rewards: Cash Back
For Excellent Credit
  • Special Cash Back Offer: 5.5% cash back for the first year on your first $2,000 in eligible purchases each quarter on the combined two categories you choose. Thereafter, earn 5%.
  • 2.5% cash back for the first year on your choice of one everyday category (i.e. gas or groceries). Thereafter, earn 2%.
  • 1.5% cash back for the first year on all other eligible net purchases. Thereafter, earn 1%
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.99% - 23.99%
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 months* N/A $100 Bonus* 14.99% - 23.99% Variable* $0* Be the First
Citi Simplicity® Card - No Late Fees Ever

Rewards: None
For Excellent or Good Credit
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 21 months*  0% for 21 months* None 14.99% - 24.99% Variable* $0* Be the First


†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities