Best No Annual Fee Credit Cards 2021

Updated March 03, 2021
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Best pick for...
Wells Fargo Platinum Card
Capital One Journey Student Credit Card
Capital One SavorOne
Capital One Platinum Mastercard
Citi Diamond Preferred®
Credit One Bank Platinum Visa For Rebuilding Credit
WebBank Petal® 2 “Cash Back, No Fees” Visa®
American Express The Plum Card®
American Express Cash Magnet®
American Express Blue Cash Everyday®

Best Credit Cards for No Annual Fee in March 2021

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Platinum Card Wells Fargo
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • Longest Intro APR on purchases:
    • Longest Intro APR for 18 months from account opening on purchases.
    • Longest Intro APR on balance transfer:
    • Longest Intro APR for 18 months from account opening on qualifying balance transfers.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% introductory APR for 18 months from date of account opening.
  • Regular APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Balance Transfer APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Issuer name:
    Wells Fargo
  • Details:

    Platinum Card Wells Fargo has protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, cell phone protection.

    My Money Map tools help you to manage spending and create a budget with ease.

    Access to your FICO® Credit Score with Wells Fargo Online.

  • Pros:
    • Free Credit Score
    • Annual fee 0%
    • Paying down balances
    • Emergency card replacement
  • Cons:
    • No rewards or a signup bonus
    • Complicated balance transfer fee system
    • 3% foreign transaction fee
  • Benefits:
    • Auto rental collision damage waiver;
    • Roadside dispatch;
    • Travel accident insurance;
    • Travel and emergency assistance services;
    • Cell phone protection.
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Journey Student Credit Card Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Unlimited Cash Back.
    • 0.25% You will be awarded an extra Cash Back earned in each billing cycle If your account is not passed due on the last day of the billing cycle.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    Earn rewards today with Journey Student Credit Card. Build credit history for tomorrow with responsible use.

  • Pros:
    • No Foreign Transaction Fees
    • Unlimited 1% Cash Back
    • Annual Fee $0
    • Cash Back
    • Rewards
    • Autopay
  • Cons:
    • Low rewards rate
  • Benefits:
    • 1% Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash Bonus Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Platinum Mastercard Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    Get the credit you need with Platinum Mastercard from Capital One. Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.You're also covered by $0 Fraud Liability if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases.

  • Pros:
    • Chance to get a higher credit limit
    • No annual fee
    • No foreign transaction fees
    • Platinum Mastercard benefits
    • No Penalty APR for late payments
    • Get approval with a fair credit score
  • Cons:
    • High Regular APR
    • No rewards
    • No sign-up bonus
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
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Diamond Preferred® Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer .
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for 18 months from date of account opening.
  • Regular APR:
    14.74% - 24.74% Variable.
  • Balance Transfer APR:
    14.74% - 24.74% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi Diamond Preferred Card comes with 0% introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

  • Pros:
    • 0% Intro APR for 18 months
    • Flexible payment due date
    • No annual fee
    • Free access to FICO® score
    • Balance transfer
    • Low interest
    • Purchase protection
  • Cons:
    • Balance transfer fee of 3 percent (or $5, whichever is higher)
    • Foreign transaction fee of 3 percent
    • No rewards program
    • Late payment fees
  • Benefits:
    • Digital Wallets;
    • Low APR for cardholders with excellent credit;
    • Citi Entertainment. Special access to purchase tickets to thousands of events,sporting events, dining experiences and more.
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Platinum Visa For Rebuilding Credit Credit One Bank
scorer
Recommended credit score
Poor to Good (300-739)
  • Rewards Rate:
    • 1% Get Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $95 the Annual Fee for the first year. $0 - $99 for some accounts, The Annual Fee from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Credit One Bank
  • Details:

    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases.

    Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

    MINIMUM CREDIT LINE: $300and Future credit line increases may be granted based on your overall credit performance.

    Get rewarded for responsible credit use!

    Choose a payment due date that works for you!

  • Pros:
    • Visa Zero Fraud Liability
    • Low interest
    • Free online access to your Experian credit score each month
    • Credit One mobile app
    • Purchase protection
  • Cons:
    • Annual fee of $0 to $95 for the first year and $0 to $99 after
    • Foreign transaction fee of either $1 or 3 percent of each purchase in U.S. dollars, whichever is greater
  • Benefits:
    • 1% Cash Back Rewards;
    • Zero Fraud Liability;
    • Free online access to your Experian credit score;
    • Choose Your Payment Due Date.
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Petal® 2 “Cash Back, No Fees” Visa® WebBank
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    12.99% - 26.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    WebBank
  • Details:

    Petal 2 has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500-$10000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

  • Pros:
    • Cash Back
    • No annual fee
    • No returned payment fee
    • Purchase protection
    • You can apply even if you have no credit history
    • No foreign transaction fee
    • No late fees
  • Cons:
    • No signup bonus
    • No intro APR offer
    • Balance transfers are not allowed
    • Those who filed for bankruptcy may be rejected
    • Cash advances are not permitted
    • Permanent minimum payment due date
  • Benefits:
    • No annual fee;
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
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The Plum Card® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on the portion of your balance that you pay within 10 days of your statement closing date.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 the Annual Fee for the first year. $250 the Annual Fee after the first year.
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Plum Card doesn’t offer business owners any kind of initial bonus, which makes it lackluster when you compare it to the best business credit cards, some of which let you earn an initial bonus worth up to $1,000 or more.

    The Plum Card® gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.

    Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

  • Pros:
    • 1.5 percent discount on your bill when you pay within 10 days of your statement closing date
    • Extended Warranty
    • Purchase Protection
    • Choose your billing cycle
    • No foreign transaction fees
  • Cons:
    • High annual fee ($250) after the first year
    • No welcome bonus
    • No traditional rewards structure
  • Benefits:
    • No Foreign Transaction Fees;
    • 1.5% Cash Back;
    • Early Pay Discount & Extra Days To Pay;
    • Flexible spending limit;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Account Manager;
    • Vendor Pay by Bill.com;
    • Extended Warranty;
    • Purchase Protection.
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Cash Magnet® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    • $200 Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • Automatic cash back on all purchases
    • Straightforward cash back plan with no activation required
  • Cons:
    • Cash back rate is lower in some categories compared to other cards
    • Foreign transaction fees
    • Low Welcome offer
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    • $200 Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $150 Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • Annual fee 0%
    • Solid cash back at U.S. supermarkets and U.S. gas stations
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • The balance transfers are not available to new customers
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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