3 Best No Annual Fee Credit Cards

We're not all about handing out money just for the sake of belonging, so here are our favorite three cards with plenty of rewards and none of the nickel and diming. 

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag that will make your life better without costing you a dime.

Blispay Visa® Card


  • The no gimmicks card. 
  • Earn 2% cash back on every purchase, everyday. 
  • Plus, pay 0% interest on purchases over $199 if paid in full within 6 months of purchase.
  • Terms Apply

Hilton Honors™ Card from American Express


  • $0 Annual Fee
  • Earn 7X  Points per dollar of eligible purchases directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Points per dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Points for all other eligible purchases.
  • Terms Apply

PNC Cash Rewards℠ Visa® Credit Card


  • $0 Annual Fee
  • Earn 4% on gas station purchases*
  • Earn 3% on dining purchases at restaurants, including fast food*
  • Earn 2% on grocery store purchases*
  • Earn 1% on all other purchases, all the time
  • * Increased earning rates apply to the first $8,000 in combined category purchases annually.



Additional No Annual Fee Credit Cards

There are so many good options for no annual fee cards, we don't even blame you for coming down here. 

Barclaycard CashForward™ World Mastercard®


  • $0 Annual Fee
  • 0% intro APR for 15 months on purchases and balance transfers,  then a 15.99% - 25.99% variable APR applies based on your creditworthiness.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Terms Apply

Chase Freedom Unlimited®


  • $0 Annual Fee
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance
    transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

U.S. Bank Cash+™ Visa Signature® Card


  • $0 Annual Fee
  • 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%
  • Terms Apply

Blue Cash Everyday® Card from American Express


  • $0 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 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%
  • Terms Apply

Bank of America® Cash Rewards Credit Card


  • $0 Annual Fee
  • 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
  • 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
  • Terms Apply

USAA Limitless™ Cashback Rewards Visa Signature® Credit Card


  • $0 Annual Fee
  • 2.5% Cash back on every purchase with a USAA checking account and $1,000 monthly direct deposit.
  • Eligibility Requirements Apply. Must be Active, retired and honorably separated officers and
    enlisted personnel of the U.S. military. Adult children of USAA members who have or had a USAA auto or property insurance policy.
  • Terms Apply

Savor℠ Cash Rewards Credit Card


  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No annual fee
  • No foreign transaction fees