9 Best No-Annual-Fee Credit Cards of April 2021

9 Best No-Annual-Fee Credit Cards of April 2021

No-annual-fee credit cards can pack a lot of value. From sign-up bonuses and rewards, to introductory 0% APR offers, we've compiled our list of top no-annual-fee cards for many types of cardholders.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Best no annual fee credit cards 2021

Best for rewards

  • On Citibank's Secure Website

Best for Chase cardholders

  • On Chase's Secure Website

Best for American Express cardholders

While many of the best credit cards charge an annual fee, there's still no shortage of no-annual fee-credit cards that are packed with perks and high-value rewards. You can find lucrative cashback credit cards, high-powered travel credit cards, 0% intro APR credit cards and even credit cards for bad or fair credit that charge no annual fee.

While these cards don't come with an annual fee, keep in mind that they will come with a slew of interest fees and charges if you fail to make a payment on time. This is why we recommend to never carry a balance on your credit card — even if it has no annual fee.

We developed this list by scouring credit card offers from top issuers and evaluating no annual fee credit cards on ValuePenguin. Depending on what you're searching for, any of the cards below are top no-annual-fee credit card contenders. However, out of all of the options, we believe that the Chase Freedom Unlimited® is the best no-annual-fee card thanks to its high unlimited earnings rate and flexibility to use your rewards for cash back, travel and other redemption options.

If you don’t want to pay an annual fee on your credit card, you definitely don’t have to. Whether you’re all about cash back, travel or any other types of rewards, no-annual-fee options are likely available for you. Those rewards offers may not be as rich as the ones offered by those high-annual-fee cards, but there are still plenty of good deals to be had.

— Matt Schulz, Chief Credit Analyst at LendingTree

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Whether you're looking to cut down on fees or dip your toes into the world of rewards credit cards, these are the best no annual fee credit cards of 2021.

Best travel credit card with no annual fee

Capital One VentureOne Rewards Credit Card

  • On Capital One's Secure Website

$0

15.49% - 25.49% (Variable)

Excellent/Good

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Our thoughts

If you want a simple, straightforward no-annual-fee travel rewards card that happens to offer some decent travel perks, the Capital One VentureOne Rewards Credit Card is one of your best bets. The card offers the same flat rate on every purchase: 1.25 Miles per dollar on every purchase, every day. And those rewards are just as simple to redeem as they are to earn. You can redeem miles as statement credits to cover any eligible travel purchase on your credit card at a value of 1 cent per mile. The card doesn't charge a foreign transaction fee, so you can use it just about anywhere you travel without racking up extra fees on your purchases. Also, the card comes with a valuable sign-up bonus, worth $200 in travel statement credits — maybe enough to launch you on your next trip.

  • Generous welcome bonus.
  • 1.25 Miles per dollar on every purchase, every day
  • Easy-to-redeem rewards
  • Intro APR of 0% intro on purchases for 12 months (the regular APR is 15.49% - 25.49% (Variable)).
  • Foreign transaction fees: None
  • Not as rewarding as some competing travel cards that charge annual fees
  • Travel benefits are limited compared to a paid travel card
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25.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003E$0 annual fee and no foreign transaction fees\u003C\/li\u003E\u003Cli\u003EEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel\u003C\/li\u003E\u003Cli\u003EEarn unlimited 1.25X miles on every purchase, every day\u003C\/li\u003E\u003Cli\u003ETravel when you want with no blackout dates and fly any airline, stay at any hotel, anytime\u003C\/li\u003E\u003Cli\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\u003C\/li\u003E\u003Cli\u003ETransfer your miles to over 10+ travel loyalty programs\u003C\/li\u003E\u003Cli\u003EEnjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.49% - 25.49% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E$0 annual fee and no foreign transaction fees\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 1.25X miles on every purchase, every day\\u003C\\\/li\\u003E\\u003Cli\\u003ETravel when you want with no blackout dates and fly any airline, stay at any hotel, anytime\\u003C\\\/li\\u003E\\u003Cli\\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\\u003C\\\/li\\u003E\\u003Cli\\u003ETransfer your miles to over 10+ travel loyalty programs\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"No annual fee\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4279.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/87?url=_best-credit-cards-no-annual-fee\",\"name\":\"Capital One VentureOne Rewards Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you want a simple, straightforward no-annual-fee travel rewards card that happens to offer some decent travel perks, the Capital One VentureOne Rewards Credit Card is one of your best bets. The card offers the same flat rate on every purchase: 1.25 Miles per dollar on every purchase, every day. And those rewards are just as simple to redeem as they are to earn. You can redeem miles as statement credits to cover any eligible travel purchase on your credit card at a value of 1 cent per mile. The card doesn't charge a foreign transaction fee, so you can use it just about anywhere you travel without racking up extra fees on your purchases. Also, the card comes with a valuable sign-up bonus, worth $200 in travel statement credits \u2014 maybe enough to launch you on your next trip.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1.25 Miles per dollar on every purchase, every day\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Easy-to-redeem rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR of 0% intro on purchases for 12 months (the regular APR is 15.49% - 25.49% (Variable)).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Not as rewarding as some competing travel cards that charge annual fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel benefits are limited compared to a paid travel card\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best rewards credit card with no annual fee

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Our thoughts

The Citi® Double Cash Card – 18 month BT offer is one of the best cashback cards if you're looking for an easy, one-size-fits-all option. You'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. This is one the highest rewards rates you can get for $0 annual fee.

This card doesn't come with a welcome bonus, but it does come with one of the best balance transfer offers, so it's also excellent for paying off debt quickly. You'll get an intro APR of 0% for 18 months on Balance Transfers (13.99% – 23.99% (Variable) APR thereafter). This offer is still loaded with money-saving potential (even though you'll have to pay a balance transfer fee of 3% of each balance transfer; $5 minimum.)

  • Earn the same high rate of cash back on every purchase.
  • Cashback rewards are simple to redeem.
  • Long intro 0% for 18 months on Balance Transfers, making this one of the best cards for paying off debt interest-free.
  • No welcome bonus.
  • You'll pay a fee on balance transfers.
  • Charges a 3% foreign transaction fee on all purchases made abroad.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ERewards\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/710?url=_best-credit-cards-no-annual-fee\" rel=\"nofollow\" target=\"_blank\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_best-credit-cards-no-annual-fee\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99% \u2013 23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99% \\u2013 23.99% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Rewards\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-credit-cards-no-annual-fee\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E is one of the best cashback cards if you're looking for an easy, one-size-fits-all option. You'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. This is one the highest rewards rates you can get for $0 annual fee.\u003C\/p\u003E\n\n\u003Cp\u003EThis card doesn't come with a welcome bonus, but it does come with one of the best balance transfer offers, so it's also excellent for paying off debt quickly. You'll get an intro APR of 0% for 18 months on Balance Transfers (13.99% \u2013 23.99% (Variable) APR thereafter). This offer is still loaded with money-saving potential (even though you'll have to pay a balance transfer fee of 3% of each balance transfer; $5 minimum.)\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn the same high rate of cash back on every purchase.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cashback rewards are simple to redeem.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Long intro 0% for 18 months on Balance Transfers, making this one of the best cards for paying off debt interest-free.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No welcome bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You'll pay a fee on balance transfers.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a 3% foreign transaction fee on all purchases made abroad.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best for bad credit

Discover it® Secured Credit Card credit card

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Our thoughts

The Discover it® Secured Credit Card Credit Card is designed for people with fair or bad credit who want to improve their score by making a series of on-time credit card payments. You'll have to pay a security deposit of at least $200 with this card, and your deposit acts as your credit limit.

While you might be able to find a secured card with a lower minimum security deposit, this one comes with a host of other benefits. You'll get automatic monthly reviews starting just eight months in to see if you're eligible to graduate to an unsecured Discover credit card. You'll also get access to your free credit score, which is important to check regularly while building credit. Finally, this is one of few secured credit cards to offer rewards. Not only do you earn cash back, but the card also comes with a generous cashback matching offer.

  • You'll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically.
  • Unlimited cashback match on everything you earn in the first year.
  • Free FICO® Score helps you track your credit-building progress.
  • Possibility of graduating to an unsecured card in as little as eight months.
  • Low credit limit helps you avoid falling into debt while still building credit with responsible use.
  • Requires a refundable security deposit of at least $200.
  • Your credit limit is equal to your security deposit, and you can't access a larger credit line until you graduate to an unsecured card.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EDiscover it\u00ae Secured Credit Card credit card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Discover it\u00ae Secured Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-secured-credit-card\"\u003EDiscover it\u00ae Secured Credit Card Credit Card\u003C\/a\u003E\u003C\/span\u003E is designed for people with fair or bad credit who want to improve their score by making a series of on-time credit card payments. You'll have to pay a security deposit of at least $200 with this card, and your deposit acts as your credit limit.\u003C\/p\u003E\n\n\u003Cp\u003EWhile you might be able to find a secured card with a lower minimum security deposit, this one comes with a host of other benefits. You'll get automatic monthly reviews starting just eight months in to see if you're eligible to graduate to an unsecured Discover credit card. You'll also get access to your free credit score, which is important to check regularly while building credit. Finally, this is one of few secured credit cards to offer rewards. Not only do you earn cash back, but the card also comes with a generous cashback matching offer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You'll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unlimited cashback match on everything you earn in the first year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free FICO\u00ae Score helps you track your credit-building progress.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Possibility of graduating to an unsecured card in as little as eight months.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low credit limit helps you avoid falling into debt while still building credit with responsible use.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Requires a refundable security deposit of at least $200.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your credit limit is equal to your security deposit, and you can't access a larger credit line until you graduate to an unsecured card.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best airline credit card with no annual fee

Delta SkyMiles® Blue American Express Card

$0

15.74%-24.74% Variable

Excellent

  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.

Our thoughts

The Delta SkyMiles® Blue American Express Card is a good starter card for folks looking to get their feet wet in the world of airline credit cards, particularly if you prefer to fly Delta or want to try out the Delta SkyMiles program. It comes with a fair welcome bonus, and you'll earn double miles on dining and Delta purchases.

For a flexible redemption option, you can save $50 on your next Delta flight for every 5,000 miles you redeem through the Pay with Miles option, getting you 1 cent per mile. That being said, a good flat-rate cashback card will be more lucrative than that. Frequent flyers will get more value from one of Delta's credit cards with an annual fee.

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

  • Generous welcome bonus.
  • Earn 2X Miles per dollar spent on Delta purchases and at restaurants, now worldwide. Earn 1X Mile on all other eligible purchases.
  • 20% back on in-flight purchases.
  • Foreign transaction fee of None, making it a good option for international travel.
  • Terms apply
  • Low rewards rate.
  • Ongoing APR is high, so you don't want to carry a balance on this card.
  • Limited airline perks.
  • Terms apply
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ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-blue-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.74%-24.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.\u003C\/li\u003E\u003Cli\u003ENo Annual Fee.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles per dollar at restaurants, now worldwide.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles per dollar spent on Delta purchases.\u003C\/li\u003E\u003Cli\u003EEarn 1X Mile on all other eligible purchases.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees.\u003C\/li\u003E\u003Cli\u003EReceive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/delta-skymiles-blue-american-express-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Annual Fee.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2X Miles per dollar at restaurants, now worldwide.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2X Miles per dollar spent on Delta purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 1X Mile on all other eligible purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees.\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Airline\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4328.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1122?url=_best-credit-cards-no-annual-fee\",\"name\":\"Delta SkyMiles\\u00ae Blue American Express Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles\u00ae Blue American Express Card: Is It Good for Delta Customers\" href=\"https:\/\/www.valuepenguin.com\/blue-delta-skymiles-credit-card\"\u003EDelta SkyMiles\u00ae Blue American Express Card\u003C\/a\u003E\u003C\/span\u003E is a good starter card for folks looking to get their feet wet in the world of airline credit cards, particularly if you prefer to fly Delta or want to try out the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles program\" href=\"https:\/\/www.valuepenguin.com\/travel\/delta-skymiles-frequent-flyer-program-guide\"\u003EDelta SkyMiles program\u003C\/a\u003E\u003C\/span\u003E. It comes with a fair welcome bonus, and you'll earn double miles on dining and Delta purchases.\u003C\/p\u003E\n\n\u003Cp\u003EFor a flexible redemption option, you can save $50 on your next Delta flight for every 5,000 miles you redeem through the Pay with Miles option, getting you 1 cent per mile. That being said, a good flat-rate cashback card will be more lucrative than that. Frequent flyers will get more value from one of Delta's credit cards with an annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of the Delta SkyMiles\u00ae Blue American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-blue-american-express-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 2X Miles per dollar spent on Delta purchases and at restaurants, now worldwide. Earn 1X Mile on all other eligible purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 20% back on in-flight purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fee of None, making it a good option for international travel.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low rewards rate.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ongoing APR is high, so you don't want to carry a balance on this card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Limited airline perks.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best American Express credit card with no annual fee

Blue Cash Everyday® Card from American Express

$0

13.99%-23.99% Variable

Excellent/Good

  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.

Our thoughts

The Blue Cash Everyday® Card from American Express is one of the best grocery credit cards. You'll get 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.

Don't expect a lot of extra benefits aside from the cash back, but this is an excellent everyday card — hence the name.

  • Generous welcome bonus.
  • Earn bonus cash back at U.S. supermarkets, U.S. gas stations and U.S. department stores.
  • Terms apply
  • The ongoing APR is high, so don't plan to carry a balance.
  • Spending limit on cash back earnings at U.S. supermarkets.
  • Terms apply

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

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class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/152?url=_best-credit-cards-no-annual-fee\" rel=\"nofollow\" target=\"_blank\" title=\"Blue Cash Everyday\u00ae Card from American Express\"\u003E\u003Cimg alt=\"Blue Cash Everyday\u00ae Card from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4301.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/152?url=_best-credit-cards-no-annual-fee\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.\u003C\/li\u003E\u003Cli\u003E3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).\u003C\/li\u003E\u003Cli\u003E2% Cash Back at U.S. gas stations and at select U.S. department stores.\u003C\/li\u003E\u003Cli\u003E1% Cash Back on other purchases.\u003C\/li\u003E\u003Cli\u003ELow intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.\u003C\/li\u003E\u003Cli\u003EPlan It\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\u003C\/li\u003E\u003Cli\u003ECash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.\u003C\/li\u003E\u003Cli\u003ENo annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99%-23.99% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/blue-cash-everyday-credit-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.\\u003C\\\/li\\u003E\\u003Cli\\u003E3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).\\u003C\\\/li\\u003E\\u003Cli\\u003E2% Cash Back at U.S. gas stations and at select U.S. department stores.\\u003C\\\/li\\u003E\\u003Cli\\u003E1% Cash Back on other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ELow intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlan It\\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ECash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"American Express\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4301.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/152?url=_best-credit-cards-no-annual-fee\",\"name\":\"Blue Cash Everyday\\u00ae Card from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Everyday\u00ae Card from American Express: Is it right for you?\" href=\"https:\/\/www.valuepenguin.com\/blue-cash-everyday-card\"\u003EBlue Cash Everyday\u00ae Card from American Express\u003C\/a\u003E\u003C\/span\u003E is one of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Grocery Credit Cards of 2020\" href=\"https:\/\/www.valuepenguin.com\/best-grocery-credit-cards\"\u003Ebest grocery credit cards\u003C\/a\u003E\u003C\/span\u003E. You'll get 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EDon't expect a lot of extra benefits aside from the cash back, but this is an excellent everyday card \u2014 hence the name.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn bonus cash back at U.S. supermarkets, U.S. gas stations and U.S. department stores.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The ongoing APR is high, so don't plan to carry a balance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Spending limit on cash back earnings at U.S. supermarkets.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of the Blue Cash Everyday\u00ae Card from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-blue-american-express-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card

Discover it® Cash Back

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Our thoughts

The Discover it® Cash Back Credit Card offers a whopping 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. These often include major expenses, such as groceries, gas stations and restaurants, so the opportunities to earn big are endless.

Discover 2021 cashback categories

January-March
April-June
July-September
October-December
  • Grocery stores
  • Walgreens
  • CVS
  • Gas stations
  • select streaming services and wholesale clubs
  • Restaurants
  • PayPal
  • Amazon.com
  • Target.com
  • Walmart.com
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On top of that, Discover will match all the cash back you earn in your first year at the end of the year. There's no welcome bonus, but if you spend a lot, the cashback matching offer might be more lucrative.

  • Cashback matching on all your earnings in the first year.
  • 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically
  • Free FICO® Score.
  • Quarterly spending limit on cash back.
  • No welcome bonus.
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You could turn $150 cash back into $300. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Cash Back Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-credit-card\"\u003EDiscover it\u00ae Cash Back Credit Card\u003C\/a\u003E\u003C\/span\u003E offers a whopping 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. These often include major expenses, such as groceries, gas stations and restaurants, so the opportunities to earn big are endless.\u003C\/p\u003E\n\n\u003Ch3\u003EDiscover 2021 cashback categories\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EJanuary-March\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EApril-June\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EJuly-September\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOctober-December\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Grocery stores\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Walgreens\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n CVS\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Gas stations\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n select streaming services and wholesale clubs\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Restaurants\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n PayPal\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Amazon.com\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Target.com\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Walmart.com\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[],\"alignsVertical\":[\"top\",\"top\",\"top\",\"top\"],\"columnWidths\":[\"25%\",\"25%\",\"25%\",\"25%\"],\"data\":[[\"January-March\",\"April-June\",\"July-September\",\"October-December\"],[\"\\u003Cdiv class=\\\"ShortcodeList--root \\\"\\u003E\\n\\n \\u003Cdiv class=\\\"ShortcodeList--content\\\"\\u003E\\n \\u003Cdiv class=\\\"ShortcodeList--column\\\"\\u003E\\n \\u003Cul class=\\\"ListUnordered--root ListUnordered--plain\\\"\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Grocery stores\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Walgreens\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n CVS\\n \\u003C\\\/li\\u003E\\n \\u003C\\\/ul\\u003E\\n \\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeList--root \\\"\\u003E\\n\\n \\u003Cdiv class=\\\"ShortcodeList--content\\\"\\u003E\\n \\u003Cdiv class=\\\"ShortcodeList--column\\\"\\u003E\\n \\u003Cul class=\\\"ListUnordered--root ListUnordered--plain\\\"\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Gas stations\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n select streaming services and wholesale clubs\\n \\u003C\\\/li\\u003E\\n \\u003C\\\/ul\\u003E\\n \\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeList--root \\\"\\u003E\\n\\n \\u003Cdiv class=\\\"ShortcodeList--content\\\"\\u003E\\n \\u003Cdiv class=\\\"ShortcodeList--column\\\"\\u003E\\n \\u003Cul class=\\\"ListUnordered--root ListUnordered--plain\\\"\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Restaurants\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n PayPal\\n \\u003C\\\/li\\u003E\\n \\u003C\\\/ul\\u003E\\n \\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeList--root \\\"\\u003E\\n\\n \\u003Cdiv class=\\\"ShortcodeList--content\\\"\\u003E\\n \\u003Cdiv class=\\\"ShortcodeList--column\\\"\\u003E\\n \\u003Cul class=\\\"ListUnordered--root ListUnordered--plain\\\"\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Amazon.com\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Target.com\\n \\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListUnordered--list-item\\\"\\u003E\\n Walmart.com\\n \\u003C\\\/li\\u003E\\n \\u003C\\\/ul\\u003E\\n \\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOn top of that, Discover will match all the cash back you earn in your first year at the end of the year. There's no welcome bonus, but if you spend a lot, the cashback matching offer might be more lucrative.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cashback matching on all your earnings in the first year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free FICO\u00ae Score.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Quarterly spending limit on cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No welcome bonus.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Chase credit card with no annual fee

Chase Freedom Unlimited®

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Our thoughts

The Chase Freedom Unlimited® is an excellent flat-rate cashback credit card that's loaded with extra perks. In addition to the card's unlimited cashback rate and generous sign-up bonus, you'll also get 5% back at grocery stores (excluding Target and Walmart) on up to $12,000 in spending for the first 12 months. Partner benefits include three complimentary months of DashPass (subscription must be activated by Dec. 31, 2021), which gets you discounts on food delivery with DoorDash, and 5% cash back on Lyft rides through March 2022. If you have one of Chase's Ultimate Rewards-earning credit cards, you can also convert your cash back to points that can be redeemed for travel at a higher value.

  • Generous cash bonus.
  • Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
  • Earn extra cash back on up to $12,000 spent at grocery stores in the first 12 months.
  • 0% Intro APR for 15 months on purchases (14.99% - 23.74% Variable APR thereafter).
  • Partner benefits with DashPass and Lyft.
  • High ongoing APR, not good for carrying a balance.
  • No balance transfer offer.
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23.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003EEarn unlimited 1.5% cash back on all other purchases.\u003C\/li\u003E\u003Cli\u003EEarn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.\u003C\/li\u003E\u003Cli\u003ENo annual fee\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\u003C\/li\u003E\u003Cli\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.99% - 23.74% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 1.5% cash back on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Chase\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4282.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/990?url=_best-credit-cards-no-annual-fee\",\"name\":\"Chase Freedom Unlimited\\u00ae\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Unlimited\u00ae: Is It A Top Cashback Card Contender?\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-unlimited-credit-card\"\u003EChase Freedom Unlimited\u00ae\u003C\/a\u003E\u003C\/span\u003E is an excellent flat-rate cashback credit card that's loaded with extra perks. In addition to the card's unlimited cashback rate and generous sign-up bonus, you'll also get 5% back at grocery stores (excluding Target and Walmart) on up to $12,000 in spending for the first 12 months. Partner benefits include three complimentary months of DashPass (subscription must be activated by Dec. 31, 2021), which gets you discounts on food delivery with DoorDash, and 5% cash back on Lyft rides through March 2022. If you have one of Chase's \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EUltimate Rewards-earning\u003C\/a\u003E\u003C\/span\u003E credit cards, you can also convert your cash back to points that can be redeemed for travel at a higher value.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous cash bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn extra cash back on up to $12,000 spent at grocery stores in the first 12 months.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% Intro APR for 15 months on purchases (14.99% - 23.74% Variable APR thereafter).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Partner benefits with DashPass and Lyft.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High ongoing APR, not good for carrying a balance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No balance transfer offer.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Intro 0% APR card with no annual fee

Citi® Diamond Preferred® Card

  • On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

Excellent/Good

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Intro APR of 0% for 18 months on Purchases (14.74% - 24.74% (Variable) APR thereafter) and 0% for 18 months on Balance Transfers (14.74% - 24.74% (Variable) APR thereafter)

Our thoughts

The Citi® Diamond Preferred® Card doesn't come with a lot of bells and whistles, but if you're looking to do a balance transfer so you can pay off debt interest-free, this card is one of the best options. You'll get a lengthy introductory period to pay off your balance before the APR shoots up to the regular rate, and you can choose your payment due date for added flexibility.

You will have to pay a balance transfer fee, but the fee on this card is fairly standard and often worth it given the money you end up saving on interest. The main drawback of this credit card is the lack of a rewards program, making it less useful once the intro period ends.

  • Long introductory 0% offer for both balances and new purchases.
  • Choose your payment due date
  • No rewards.
  • A Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum.
  • High regular APR (14.74% - 24.74% (Variable)), so you'll want to pay off your balance before the introductory period ends.
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24.74% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\u003C\/li\u003E\u003Cli\u003EGet free access to your FICO\u00ae Score online.\u003C\/li\u003E\u003Cli\u003EWith Citi Entertainment\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\u003C\/li\u003E\u003Cli\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\u00ae Identity Theft Solutions.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.74% - 24.74% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\\u003C\\\/li\\u003E\\u003Cli\\u003EGet free access to your FICO\\u00ae Score online.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Citi Entertainment\\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\\u00ae Identity Theft Solutions.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"0% Intro APR\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4598.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/27?url=_best-credit-cards-no-annual-fee\",\"name\":\"Citi\\u00ae Diamond Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Intro APR of 0% for 18 months on Purchases (14.74% - 24.74% (Variable) APR thereafter) and 0% for 18 months on Balance Transfers (14.74% - 24.74% (Variable) APR thereafter)\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Diamond Preferred\u00ae Card: 18 Month Long 0% Intro APR For Balance Transfers\" href=\"https:\/\/www.valuepenguin.com\/citi-diamond-preferred-credit-card\"\u003ECiti\u00ae Diamond Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E doesn't come with a lot of bells and whistles, but if you're looking to do a balance transfer so you can pay off debt interest-free, this card is one of the best options. You'll get a lengthy introductory period to pay off your balance before the APR shoots up to the regular rate, and you can choose your payment due date for added flexibility.\u003C\/p\u003E\n\n\u003Cp\u003EYou will have to pay a balance transfer fee, but the fee on this card is fairly standard and often worth it given the money you end up saving on interest. The main drawback of this credit card is the lack of a rewards program, making it less useful once the intro period ends.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Long introductory 0% offer for both balances and new purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Choose your payment due date\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High regular APR (14.74% - 24.74% (Variable)), so you'll want to pay off your balance before the introductory period ends.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best no-annual-fee hotel credit card

Hilton Honors American Express Card

$0

15.74%-24.74% Variable

Excellent

  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.

Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.

Our thoughts

The Hilton Honors American Express Card is one of the more generous travel rewards credit cards with $0 annual fee, especially if you like staying with Hilton. Even if you're just looking to try out the Hilton Honors rewards program, this card will get you complimentary Silver Elite status and help you accumulate Hilton points faster at no additional cost.

The welcome bonus is one of the most valuable for a $0-annual-fee credit card, and the rewards rate is great, too. That being said, the rewards are only worthwhile when redeemed for stays at Hilton hotels, so you should be planning to stay with Hilton if you get this card. Most die-hard Hilton fans, on the other hand, would be better off with one of the brand's annual fee credit cards.

For rates and fees of the Hilton Honors American Express Card, please click here.

  • Generous welcome bonus.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Complimentary Silver Elite status.
  • Terms apply
  • Short list of hotel perks.
  • Several bonus spending categories only apply to U.S. establishments, so frequent international travelers won't earn as much.
  • Rewards are only good for Hilton stays if you want to maximize value.
  • Terms apply
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aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.\u003C\/li\u003E\u003Cli\u003EEarn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.\u003C\/li\u003E\u003Cli\u003EEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees. 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Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.\u003C\/li\u003E\u003Cli\u003ENo Annual Fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/hilton-honors-credit-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Annual Fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Hotel\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4332.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/923?url=_best-credit-cards-no-annual-fee\",\"name\":\"Hilton Honors American Express Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Card\" href=\"https:\/\/www.valuepenguin.com\/hilton-honors-american-express-card\"\u003EHilton Honors American Express Card\u003C\/a\u003E\u003C\/span\u003E is one of the more generous travel rewards credit cards with $0 annual fee, especially if you like staying with Hilton. Even if you're just looking to try out the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Rewards Program: Maximizing the Value of Honors Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-hhonors-rewards-program\"\u003EHilton Honors rewards program\u003C\/a\u003E\u003C\/span\u003E, this card will get you complimentary Silver Elite status and help you accumulate Hilton points faster at no additional cost.\u003C\/p\u003E\n\n\u003Cp\u003EThe welcome bonus is one of the most valuable for a $0-annual-fee credit card, and the rewards rate is great, too. That being said, the rewards are only worthwhile when redeemed for stays at Hilton hotels, so you should be planning to stay with Hilton if you get this card. Most die-hard Hilton fans, on the other hand, would be better off with one of the brand's annual fee credit cards.\u003C\/p\u003E\n\n\u003Cp\u003EFor rates and fees of the Hilton Honors American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Complimentary Silver Elite status.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Short list of hotel perks.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Several bonus spending categories only apply to U.S. establishments, so frequent international travelers won't earn as much.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rewards are only good for Hilton stays if you want to maximize value.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

What is a no-annual-fee credit card?

A no-annual-fee credit card doesn't charge any membership fees.

Some credit cards charge an annual membership fee in exchange for better benefits or a more lucrative rewards structure. A credit card with no annual fee might not have a long list of perks, but you also don't have to pay to keep your account open.

What fees and charges come with no-annual-fee credit cards?

If you pay your balance off in full and on time each month, your no-annual-fee credit card won't incur extra charges. However, you'll face interest charges if you carry a balance, as well as additional fees like late fees and balance transfer fees.

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Annual fee vs. no-annual-fee credit cards

Frequent travelers and high spenders might even want to consider whether a premium credit card is worth the high annual fee.

While annual fee credit cards cost money to keep, they also tend to come with better benefits and rewards that might save you more money than they cost. If you use a credit card often and choose one that aligns with your spending habits, it might be preferable to opt for a card that has an annual fee. If you're looking at a no-annual-fee credit card, it's smart to do the math before applying to make sure the annual fee version wouldn't be more lucrative.

The table below compares the no-annual-fee and annual fee versions of Capital One's popular Venture credit cards. For someone who spends $20,000 in the first year, that person would earn $355 more with the Capital One Venture than what they'd earn with the card's no-annual-fee counterpart.

No-annual-fee card
Annual fee card
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Earning rateUnlimited 1.25 Miles per dollar on every purchase, every day2 Miles per dollar on every purchase, every day
Rewards earned ($20,000 in purchases per year)$20,000 x 1.25% = $250$20,000 x 2% = $400
Sign-up bonusEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travelEarn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Annual fee$0$95
Total rewards in first year (minus annual fee)$450$905
Other benefits
  • No foreign transaction fees
  • Secondary car rental insurance
  • Extended warranty
  • No foreign transaction fees
  • Secondary car rental insurance
  • Extended warranty
  • $100 Global Entry/TSA Precheck credit
Apply Now
  • On Capital One's Secure Website
Apply Now
  • On Capital One's Secure Website
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If you're able to manage multiple cards at once, it's advantageous to own both a no-annual-fee card with a card with an annual fee.

For example:

Let's say that you own the Chase Freedom Unlimited® and the Chase Sapphire Preferred® Card. The Chase Sapphire Preferred® Card lets you 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide, while the Chase Freedom Unlimited® lets you Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases..

For dining and travel purchases, you will pay with the Chase Sapphire Preferred® Card. For everything else — such as retail, grocery or gas purchases — you'll pay with the Chase Freedom Unlimited®. Both cards earn Ultimate Rewards points, so you can transfer all points earned with the Chase Freedom Unlimited® to the Chase Sapphire Preferred® Card. With the Chase Sapphire Preferred® Card, you'll earn a 25% redemption bonus for booking travel, or you can transfer your points to 14 loyalty programs.

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How to choose a no-annual-fee credit card

When comparing no-annual-fee credit cards, you should consider all the factors at play to make sure you choose the card that's going to benefit you the most.

No one credit card has it all, so you want to focus on the primary way in which you want to use the card. If you're looking to pay off a balance at a lower rate or finance a purchase, you'll want to opt for the best 0% intro APR offer on balance transfers out there, regardless of the rewards it offers. Folks who tend to carry a balance should prioritize a low interest rate over tantalizing perks, and anyone trying to build credit should consider only the card's credit-building potential and whether or not they'll qualify.

On the other hand, if you're looking to earn rewards, go for the most lucrative card you can get. As long as you're sure you'll always pay your balance off in full, you don't have to worry much about the interest rate.

If rewards are a priority for you, you still have to decide what type of rewards you'd like to earn. Cash back is the most versatile option, but cards that earn points often earn them at a higher rate — the question is whether or not you can make use of those points. Hotel points are best used on stays with that hotel chain, and airline miles are best used on flights with that airline, so only opt for a card that earns those if you frequent the respective hotel chain or airline. For folks who travel but don't want to be confined to flying with one airline or staying with one hotel chain, a rewards system that offers flexible points might be the answer.

Many rewards credit cards earn additional points or cash back on certain bonus spending categories, like travel, dining, gas or supermarkets. Make sure to choose a card that offers a high rewards rate on your main spending categories. This might require going into your bank account or budget to figure out where most of your money goes. If your spending tends to be irregular, a flat-rate credit card might be better for you.

Credit card sign-up bonuses, or welcome bonuses, are an excellent way to earn big rewards in a short period of time. Some welcome bonuses offer cash, while others offer airline miles, hotel points, or flexible points, so make sure you'll get use out of what's on the table. It's important to prioritize cards that are a good fit regardless of any welcome offer, but if it comes with a generous sign-up bonus, that certainly doesn't hurt.

Many people will prefer flexible rewards over niche credit cards with only one or two redemption options that make sense. Cards that offer flexible redemption options usually allow you to redeem points in many different ways or with a long list of transfer partners rather than with one specific brand. That being said, co-branded credit cards that earn rewards with one specific airline, hotel or other partner can be more lucrative for folks who are highly brand-loyal.

Credit cards that earn flexible points often allow you to transfer your points to a long list of transfer partners for added versatility. These transfer partners typically include popular hotel and airline loyalty programs. If you plan out your reward travel strategically, these transfer options can yield more value per point than any other redemption option.

Many credit card companies offer several versions of the same type of card, which will include a no-annual-fee version, a version with a moderate annual fee and a premium version with a high annual fee. If you're not comfortable paying for a credit card, you'll want to stick to a no-annual-fee credit card. However, if you do travel often or use your credit card regularly, it's worth considering credit cards with an annual fee.

While rewards and interest rates are a big concern, it's also worth considering some peripheral benefits. Some credit cards come with a long list of protections and insurances that can save you lots of money and hassle, including price protection, purchase protection, cellphone insurance, rental car insurance and travel insurance. Premium cards tend to offer the best protections, along with VIP perks like airport lounge access, concierge services and valuable memberships.

Most credit cards now are zero liability and come with some fraud protection, but it's worth double-checking to make sure yours does. Having access to a free credit score, something that's provided by a handful of credit card issuers, can also be handy.

How to make the most of a no-annual-fee credit card

  1. Avoid carrying a balance.
  2. Always pay your bill on time.

Credit cards come with high interest rates and late fees, and paying those fees on a regular basis outweighs any benefits or rewards offered by the card.

For example

If your credit card offers rewards, you can maximize them by using it as often as possible, particularly for purchases that fall under your credit card's bonus categories.


Credit cards with 0% intro APR offers are best used by taking advantage of the interest-free period but paying off the balance before that period ends.


Finally, read through your card's benefits guide, which can typically be found online. You might find some perks you weren't aware of that can help you make the most out of your credit card.

What does "no annual fee" mean on credit cards?

An annual fee is a membership fee, you pay once a year to keep your credit card. If your card does not charge an annual fee, you do not have to pay to own it. Not all credit cards charge an annual fee, and those that do typically offer additional rewards and benefits.

What are the pros of choosing a no-annual-fee card?

Owning a no-annual-fee card can help you build credit and learn responsible credit habits — all while earning valuable rewards on your everyday purchases. While credit cards with annual fees offer better benefits, people trying to minimize their costs will fare well with just a no-annual-fee card.

What are the cons of choosing a no-annual-fee card?

Cards with no annual fees may come with fewer perks depending on the card. For example, an airline card with a $95 annual fee may come with free checked bags or priority boarding, while its no-annual-fee version may come with neither of those perks. Therefore, you'll want to make sure that you're willing to give up these benefits by switching.

What perks are common with no-annual-fee cards?

A great no-annual-fee card will come with a sign-up bonus, the ability to earn and redeem rewards and fraud and liability protection. Some will even include complimentary trip insurance. Plenty of cards with no annual fees offer an introductory APR offer. You'll want to pay attention to the ongoing APR, since this is the rate you'll have to pay if you ever miss a payment.

What types of no-annual-fee cards are available?

No-annual-fee cards come in all shapes and sizes. You can get a cashback card, general travel rewards card, hotel card, airline card, store card and more.

Are credit cards with annual fees worth it?

Credit cards with annual fees can be worth it if you use your credit card often and will take full advantage of the perks and rewards that come with it. Do the math to figure out how much you'd earn each year in rewards, and then subtract the annual fee to figure out if an annual fee credit card is right for you.

When should you downgrade to a no-annual-fee card?

Even when your credit card comes with a ton of benefits, you may find yourself not using them as much as you originally thought. Instead of canceling your card, downgrading your card is a solid option to consider. For example, if you opened a travel credit card and haven't flown because of the pandemic, you should downgrade to a no-annual-fee card from the same issuer. This ensures that you keep any points or miles that you've already earned.

Why do credit cards have annual fees?

Credit card benefits cost credit card issuers money, so cards that offer valuable perks and rewards typically come with an annual fee to offset costs. For example, annual fees can help a credit card issuer cover the cost of offering big welcome bonuses, robust travel protections, partner rewards and premium memberships.

Should you pay the annual fee on a credit card?

If your annual earnings in credit card rewards and benefits are notably greater than the card's annual fee, then you should pay the annual fee on a credit card. If you decide that the benefits and rewards aren't worth the cost of the annual fee, you'll need to either close the credit card or downgrade to a no-annual-fee version to avoid being charged.

What are the best credit cards with no annual fee?

The best cards with no annual fee offer benefits that align with your needs. That might be a secured credit card with a low security deposit if you're building credit, or a 0% intro APR credit card with a long introductory period if you're paying off debt or financing a purchase. If you're just looking to earn rewards, the best credit cards with no annual fee are those that offer high-value rewards that match your spending habits. For example, the Wells Fargo Propel American Express® card is the best travel credit card with no annual fee, as it comes with a strong sign-up bonus, a fantastic earnings rate and the ability to book travel with your points.

Can I waive my credit card annual fee?

Sometimes it is possible to have your credit card annual fee waived by simply calling your credit card issuer and asking them to waive it. They might say no, but they might offer to waive the annual fee for a year in order to retain you as a customer. Some credit cards automatically waive the annual fee for the first year, which makes them a good option for folks who want to try out a better rewards card but aren't sure if the annual fee is worth it.

When do you pay the annual credit card fee?

If your credit card's annual fee isn't waived in the first year, you'll pay the annual fee on your first credit card statement. Subsequent annual fees will typically be charged to your account on or close to the anniversary date on which you opened the credit card.

Which credit cards waive the annual fee for military members?

Many credit cards waive the annual fee for military members thanks to the Servicemembers Civil Relief Act (SCRA). Both Chase and American Express offer reduced or waived interest and fees on their credit cards for active-duty servicemembers.

You can determine your eligibility through the SRCA website. If you're eligible, contact your credit card issuer to find out if they offer any reduced or waived fees for you.

Can you get a Visa Signature card with no annual fee?

There are some Visa Signature cards with no annual fee. Visa Signature cards come with more robust benefits, from zero-liability policies, warranty protection and roadside and emergency assistance to a long list of travel insurances and perks. The Avianca Vida Visa® Card, the Wells Fargo Visa Signature® Card and the U.S. Bank Cash+™ Visa Signature® Card are all Visa Signature cards with no annual fee.

The information related to Wells Fargo Propel American Express® card, Discover it® Secured Credit Card, Discover it® Cash Back, Avianca Vida Visa® Card, Wells Fargo Visa Signature® Card and the U.S. Bank Cash+™ Visa Signature® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Elizabeth Aldrich is a personal finance writer specializing in credit cards, student loans, financial planning, and small business. Her work has appeared on The Motley Fool, Business Insider, Yahoo! Finance, and Bankrate. She’s an avid credit card points collector and ex-business traveler who now enjoys frequent trips abroad for leisure.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).