$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.

🏆 Best for renters

Bilt Mastercard®

Bilt Mastercard®

Bilt Mastercard®

🏆 Best for renters

0
Bonus Points
If you're a renter, do yourself a favor and earn points for paying rent each month (up to 100,000 points in a calendar year, just use the card 5 times each statement period to earn points)!
0
Bonus Points
If you're a renter, do yourself a favor and earn points for paying rent each month (up to 100,000 points in a calendar year, just use the card 5 times each statement period to earn points)!
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.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for $0 annual fee

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

🏆 Best for $0 annual fee

Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
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!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

$200
Cash Back
This card offers $200 cash bonus after spending $500 within the first three months of opening an account.
$200
Cash Back
This card offers $200 cash bonus after spending $500 within the first three months of opening an account.
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.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Up to $750
Cash Back
LIMITED TIME OFFER
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
Up to $750
Cash Back
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
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!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for $0 annual fee (business)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

🏆 Best for $0 annual fee (business)

$750
Cash Back
Earn $750 bonus cash back (or 75,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.
$750
Cash Back
Earn $750 bonus cash back (or 75,000 points when redeemed for travel) after you spend $6,000 on purchases in the first 3 months from account opening.
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.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for rotating categories

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

🏆 Best for rotating categories

$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
The Chase Freedom Flex definitely flexes on us a bit with its solid earning structures that cover the bases of just about all our regular spending needs. Plus, you can pair the Flex with a Sapphire card to turn those cash-back rewards into Ultimate Rewards points!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool