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3 Best No Annual Fee Credit Cards

We're not all about handing out money just for the sake of card membership. Here are our three favorite no annual fee credit cards that offer plenty of rewards and none of the nickel and diming. These cards are going to require good to excellent credit. If you have bad credit, slide on over to our best of building credit page and check out your options.

Our top 3 doesn't tickle your fancy? 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.

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Uber Credit Card


  • 4% Cash Back on Dining
  • 3% Cash Back on Hotel and Airfare
  • 2% Cash Back on Online Purchases (Including Uber)
  • 1% Cash Back on everything else
  • No Annual Fee

Capital One® VentureOne®


  • $0 Annual Fee
  • New card holders can earn a $200 bonus
  • Earn unlimited 1.25 miles per dollar on every purchase
  • Transfer miles to eligible transfer partners


Citi® Double Cash Card


  • $0 Annual Fee
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Low Introductory APRs for 18 months on balance transfers
  • No bonus for new customers. :( 


In The News

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. 

Bank of America® Cash Rewards Credit Card

  • $0 Annual Fee
  • 3% cash back on the eligible category of your choosing
  • Low intro APR for purchases and balance transfers


Blue Cash Everyday® Card

  • No annual fee.
  • 3% cash back at U.S. supermarkets 
  • 2% cash back at U.S. gas stations and at select U.S. department stores
  • 1% back on other purchases.
  • Intro APR on purchases and balance transfers





Hilton Honors Credit Card

  • $0 Annual Fee
  • Earn 7X  Points per dollar of eligible purchases directly with Hilton properties
  • Earn 5X Points per dollar at U.S. restaurants, supermarkets, and gas stations.
  • Earn 3X Points for all other eligible purchases.


SavorOne℠ Rewards

  • $0 Annual Fee
  • Low intro APR on purchases and balance transfers
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases

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 17.24% - 25.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

U.S. Bank Cash+™ Visa Signature® Card

  • $0 Annual Fee
  • 5% cash back in two eligible categories you choose
  • 2% cash back in an eligible secondary category of your choosing
  • 1% cash back on all other purchases


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.

Bank of America® Cash Rewards Credit Card


  • $0 Annual Fee
  • 3% cash back on the eligible category of your choosing
  • Low intro APR for purchases and balance transfers


Blue Cash Everyday® Card


  • No annual fee.
  • 3% cash back at U.S. supermarkets 
  • 2% cash back at U.S. gas stations and at select U.S. department stores
  • 1% back on other purchases.
  • Intro APR on purchases and balance transfers





Hilton Honors Credit Card


  • $0 Annual Fee
  • Earn 7X  Points per dollar of eligible purchases directly with Hilton properties
  • Earn 5X Points per dollar at U.S. restaurants, supermarkets, and gas stations.
  • Earn 3X Points for all other eligible purchases.


SavorOne℠ Rewards


  • $0 Annual Fee
  • Low intro APR on purchases and balance transfers
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases

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 17.24% - 25.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

U.S. Bank Cash+™ Visa Signature® Card


  • $0 Annual Fee
  • 5% cash back in two eligible categories you choose
  • 2% cash back in an eligible secondary category of your choosing
  • 1% cash back on all other purchases


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.