There are hundreds of no annual fee credit cards available, which can obviously make it difficult to choose the right offer. But finding the best no annual fee credit card for your needs doesn’t have to be complicated. You just need to know your credit score and how you plan to use your new card. For example, a student who loves to travel and always pays his or her bills in full would need a very different card than someone with excellent credit who’s in the market for a balance transfer.
With that in mind, our editors compared more than 900 offers with no annual, monthly or one-time fees in search of the best offers for the most common consumer needs. You can find their picks for the year’s best no annual fee credit cards below.
No Annual Fee Credit Cards - 2017’s Best
|Best For…||Card Name||Annual Fee||Minimum Credit Required||Editors’ Rating|
|Initial Bonus||Citi® Hilton HHonors™ Visa Signature® Card||$0||Excellent||4.1 Stars|
|Cash Back||Citi® Double Cash Card – 18 month BT offer||$0||Good||5 Stars|
|Travel Rewards||PenFed Premium Travel Rewards American Express® Credit Card||$0||Excellent||4.8 Stars|
|Big-Ticket Purchases||Citi® Diamond Preferred® Card||$0||Excellent||5 Stars|
|Balance Transfers||Chase Slate®||$0||Good||5 Stars|
|Rebuilding Credit||Capital One® Secured MasterCard®||$0||Bad||5 Stars|
|Students||Journey® Student Rewards from Capital One®||$0||Limited||5 Stars|
|Small Business||Capital One® Spark® Cash Select for Business||$0||Good||4.4 Stars|
The lower your credit score is, the more important it is for you to get a no annual fee credit card. After all, low-cost credit improvement should be your top priority. Things aren’t so clear cut for people with good or excellent credit, however. Many of the best rewards credit cards charge annual fees, at least beginning the second year your account is open, but their generous terms can more than make up for the cost if you use your card regularly.