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.

Sort Card Offers By:
19 Offers - Page 1 of 2

Bank of America® Cash Rewards credit card

Rewards: Cash Back
For Excellent or Good Credit
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 billing cycles  0% for 12 billing cycles $200 Online Cash Rewards Bonus 16.24% - 26.24% Variable APR on purchases and balance transfers $0 Be the First
American Express Cash Magnet® Card

Rewards: Cash Back
For Excellent Credit
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months  0% for 15 months $150 Statement Credit* 15.24% - 26.24% Variable* $0 Be the First
Citi Rewards+ Card

Rewards: Flexible
For Excellent or Good Credit
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 months*  0% for 12 months* 15,000 Bonus Points* 15.74% - 25.74% (Variable) $0 Be the First
BankAmericard® credit card

Rewards: None
For Excellent or Good Credit
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 18 billing cycles  0% for 18 billing cycles None 15.24% - 25.24% Variable APR on purchases and balance transfers $0 Be the First
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A  0% for 12 billing cycles 25,000 Online Bonus Points 17.24% - 25.24% 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 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% 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*

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 18 months* N/A None 15.74% - 25.74%* (Variable) $0* Be the First
Blue Cash Everyday® Card from American Express

Rewards: Cash Back
For Excellent or Good Credit
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months  0% for 15 months $150 Statement Credit* 15.24% - 26.24% Variable* $0 Be the First
ABOC Platinum Rewards Credit Card

Rewards: Flexible Rewards
For Excellent or Good Credit
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
  • Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 Months  0% for 12 Months $150 Statement Credit* 15.15% - 25.15% (V)* $0 Be the First
HSBC Cash Rewards Mastercard® credit card

Rewards: Cash Back
For Excellent or Good Credit
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 months  0% for 12 months None Variable APR of 15.24%, 19.24% or 25.24% will be applied $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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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

compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 21 months*  0% for 12 months* None 16.24% - 26.24%* (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.

 Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which USNationalCreditCards.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). USNationalCreditCards.com does not include all credit card companies or all available credit card offers.

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