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About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Best No Annual Fee Credit Card Offers

Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept compensation from credit card companies when consumers visit their websites, we have striven to provide unbiased reviews since 2007.

Best No Annual Fee Credit Card Offers

Paying a credit card’s annual fee can make sense for some cardholders, such as those who travel frequently and can take advantage of the perks offered by travel rewards cards. Others earn rewards from their spending that justifies the higher costs. But at the same time, many cardholders simply refuse to pay an annual fee when there are so many good products being offered for free.

Here are some of the top cards on the market with no annual fee that offer $100 or greater sign up bonuses or (and in some cases – plus) a 0% interest rates for 1 year or longer.

Best Overall – Chase Freedom

This incredibly popular cash back rewards card offers one point per dollar spent at most merchants, and five points for spending within bonus categories that change each quarter, with a $1,500 per quarter limit. New cardholders earn $100 cash back after spending $500 within three months plus get a 0% APR for 15 months.

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Best Low Rates – Citi Diamond Preferred Card

This card may not offer a $100 cash back bonus, but it does offer an unbeatable 0% APR promotion lasting 18 months of on both new purchases and balance transfers. In addition, it features a personalized concierge service and access to event tickets; features commonly found on high end cards with substantial annual fees.

Biggest Bonus – Citi ThankYou Preferred Rewards Card

One of Citi’s best no-fee products earns one point per dollar with no expiration and no limit on the points cardholders can earn. Points can be redeemed for all sorts of options including cash back, statement credits, and gift cards. However, the gift card option is usually the best as it returns one cent in value per point.

Finally, new cardholders receive a 15,000 point sign up bonus after spending $1,000 within three months of opening an account, worth $150 in gift cards.

Good Bonus & a 0% APR – Citi Dividend Card

Like the Chase Freedom offer, this cash back credit card offers a $100 sign up bonus and a nice long 0% introductory period lasting 15 months. This card’s cash back rewards program is also very similar, with consumers earning 1% on all purchases and 5% on up to $6,000 of purchases in categories that rotate four times yearly.

By examining these no-fee options, credit card users can often find a credit card the right combination of features, benefits, and rewards at no cost to themselves.

Editor's Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Citi or any of the other companies whose products are featured in this content.

About the author

Jason Steele

Jason Steele is a freelance journalist specializing in personal finance and travel and is recognized as an expert in credit cards. He is a regular contributor to many of the top personal finance sites such as Wise Bread and Money Talks News. His work has been frequently carried on mainstream news outlets such as MSN Money, Yahoo, Finance, and Business insider.

Jason lives in Denver Colorado with his wife and two daughters.

– has written 350 posts.

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