$0 Annual Fee Cards

If you're hesitant to take the first leap into the credit card world because of annual fees, there are a handful of no-annual-fee cards that make great first choices.

We've listed some of our favorite—from points-earning options to even cash-back. Browse through this selection and consider what perks and benefits you might want out of a card.

Rates & Fees   |  Terms Apply
The Bilt card truly is a game changer for those who pay rent and want to earn points doing just that. BUT, its decent earning structures and monthly bonuses are also solid perks that any travel hacker should consider.
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The Chase Freedom Unlimited isn't your average cash-back card. It offers solid earning categories on both travel and everyday purchases making it an excellent choice to keep in your wallet. Plus, it will unlock even more value if paired with one of Chase's more premium cards—the ability to turn your cash-back into Ultimate Rewards points!
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The Capital One Savor Cash Rewards credit card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
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The Ink Business Cash® Credit Card is an ideal choice for small business owners. With this card, you can earn cash back on a range of business expenses, including office supplies, internet, cable, and phone services, while enjoying valuable perks such as employee cards at no extra cost, making it a practical and cost-effective solution for managing your business finances!
Rates & Fees   |  Terms Apply
The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.