Best No Annual Fee credit cards in United States

The best no annual fee card in United States depends on your spending and goals. We list every no annual fee card we hold — 402 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Each card here is listed because its $0 annual fee was confirmed against the issuer's terms — an unconfirmed zero is not enough to be filed here. That makes the list incomplete rather than padded: some cards may be free that we have not confirmed. Fees change, so confirm the annual fee on the issuer's page before you apply.

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.