A Penny For You

Marketing Disclosure

3 Best No Annual Fee Credit Cards

We're not all about handing out money just for the sake of 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, scoot on over to our best of building credit page.

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


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

The Amex EveryDay® Credit Card


  • $0 Annual Fee
  • Low Intro APR on purchases and balance transfers for 15 months.
  • 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.
  • Transfer points to hotel and airline travel partners, or redeem through AmEx travel
  • Terms Apply

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. 

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 16.24% - 24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

Bank of America® Cash Rewards Credit Card


  • $0 Annual Fee
  • 3/2/1 Rewards. Earned 3% on gas and 2% on groceries, up-to category limits. 1% on everything else.
  • 0% intro APR for 12 billing cycles for purchases and
    balance transfers made in the first 60 days. Then, 14.49% - 24.49% Variable APR. 
  • 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



    Hilton Honors Credit Card


    • $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.



    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

    USAA Limitless™ 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