No Annual Fee Credit Cards
You don't have to pay to play. The best no-annual-fee credit cards still offer strong rewards, solid cash back rates, and valuable benefits — without charging you just to keep the card. We've compared the top options so you can earn more and pay nothing.
Advertiser Disclosure: The offers that appear on this site are from companies from which CardCompareHub receives compensation. This compensation may influence how and where products appear on this site, but does not affect our editorial opinions or card rankings. Read the full advertiser disclosure.
Top Picks
51
Annual Fee
$0.00
Credit Needed
Excellent
Foreign Fee
N/A
Purchase APR
See Terms
Balance Transfer
See Terms
Regular APR
See Terms
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
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- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
52
Bank of America® Platinum Plus® Mastercard® Business card
Bank of America
Annual Fee
$0.00
Credit Needed
Excellent
Foreign Fee
N/A
Purchase APR
See Terms
Balance Transfer
See Terms
Regular APR
See Terms
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save money on interest with a competitive purchase APR.
- No annual fee.
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- Get employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now."
Rates & fees apply. See issuer's website for full terms.
Annual Fee
$0.00
Credit Needed
Excellent
Foreign Fee
N/A
Purchase APR
See Terms
Balance Transfer
See Terms
Regular APR
See Terms
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
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- No annual fee and no international transaction fees.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now."
Rates & fees apply. See issuer's website for full terms.
54
Annual Fee
$0.00
Credit Needed
Excellent
Foreign Fee
N/A
Purchase APR
See Terms
Balance Transfer
See Terms
Regular APR
See Terms
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
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- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
55
BankAmericard® credit card
Bank of America
Annual Fee
$0
Credit Needed
Excellent/Good
Foreign Fee
3%
Purchase APR
0% Intro APR for 21 billing cycles for purchases
Balance Transfer
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 5% of the amount of each transaction)
Regular APR
14.99% - 25.99% Variable APR on purchases and balance transfers
- New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
56
BankAmericard® credit card for Students
Bank of America
Annual Fee
$0
Credit Needed
Excellent/Good
Foreign Fee
3%
Purchase APR
0% Intro APR for 21 billing cycles for purchases
Balance Transfer
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 5% of the amount of each transaction)
Regular APR
14.99% - 25.99% Variable APR on purchases and balance transfers
- New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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