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Best No Annual Fee Credit Cards of May 2019

Don’t worry about an annual fee with these cards. You pay nothing. Zero. Nada. You can enjoy rewards, perks and purchasing power without ever having to pay a yearly fee. When you have one of these easy, cost-effective credit cards -- which often allow you to earn cash-back, free flights and more -- you also never have to stress over whether you’re getting enough out of the card to justify the annual expense.

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Best Card Offers for May 2019

 Best No Annual Fee Cards

ABOC Platinum Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

ABOC Platinum Rewards Credit Card works hard for the average cardholder attempting to increase their credit.

Key benefits:

Earn $150 Statement Credit with the ABOC Platinum Rewards Credit Card, and take advantage of their 0% introductory APR for 12 months. ABOC Platinum Rewards Credit Card has a APR% between after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

SimplyCash® Plus Business Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The SimplyCash® Plus Business Credit Card from American Express is good for small businesses looking for higher-than-average cash back rewards on credit card purchases.

Key benefits:

Within defined boundaries, the Expanded Buying Power features allows cardholders to spend beyond their credit limit. Cash back appears in the form of a monthly statement credit.

Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.

Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases.

The Blue Business℠ Plus Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Business℠ Plus Credit Card from American Express is a solid choice for the entrepreneur who's looking for a card with flexibility, low costs and opportunities to earn extra rewards on everyday business purchases.

Key benefits:

Earn 2X Membership Rewards® points on office supplies, client dinners and other typical business spending, up to $50,000 in those purchases each year. Then, earn 1 point for every dollar spent. The card comes with Expanded Buying Power that allows cardholders to go beyond their credit limit --- and earn more rewards in the process.

A cardholder's ability to exceed the credit limit is determined by his or her payment history, credit record and other factors. No annual fee for this card, which also has a 0% introductory APR on purchases and balance transfers for 15 months.

American Express Cash Magnet® Card
Credit Rating Needed:
Good, Excellent
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Who's it good for:

The American Express Cash Magnet® Card works great for consumers looking for a low fee cashback card, or folks looking to split large payments into smaller installments.

Key benefits:

With an APR as low as 15.24% - 26.24%, no annual fees, and unlimited cashback, the American Express Cash Magnet® Card is an excellent everyday cashback credit card. Additionally, the first 15 months of Plan It® allow you to split off a large purchase into monthly installments, free of fees.

Blue Delta SkyMiles® Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it’s good for:

Travelers who regularly fly on Delta.

Key benefits:

The Blue Delta SkyMiles® Credit Card from American Express is one of the few travel cards with no annual fee. Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Earn miles towards travel on all purchases, and double points on restaurants and purchases made directly with Delta.

Barclaycard Ring® Mastercard®
Credit Rating Needed:
Good/Excellent
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Who it's good for:

The Barclaycard Ring® Mastercard® works for cardholders looking to secure a low APR, as low as 14.24%, after the initial 0% APR introductory period.

Key benefits:

Barclaycard Ring® Mastercard® has the advantage of no annual fees, no foreign transaction fees, and an 0% APR on balance transfers as well.

Capital One® Quicksilver® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

The Capital One® Quicksilver® Cash Rewards Credit Card is a card for people looking for a balance transfer card---with cash back rewards.

Key benefits:

Providing unlimited 1.5% cash back, Capital One® Quicksilver® Cash Rewards Credit Card also offers 16.24% - 26.24% after $500 of purchases within 3 months of opening your account.

This card holds no annual fee, and the APR is 0% for 15 months---for balance transfers as well. After the 15-month period, the card returns to its variable APR, ranging between . Balance transfers are the same, with a 3% fee tacked on.

Capital One® SavorOne℠ Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with reasonably good credit who are interested in cash back rewards.

Key benefits:

The Capital One® SavorOne℠ Cash Rewards Credit Card offers no annual fee, no foreign transaction fees, and 0% APR on balance transfers for the first 15 months, which is a great deal. Cardholders can earn $150 Cash Back after you spend $500 on purchases within 3 months from account opening. Cardholders also earn unlimited cash back on every purchase, with bonus cash back on dining, entertainment, and grocery purchases.

Capital One® Spark® Cash for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash for Business is great for small-business owners looking for an above-average cash back bonus on every purchase.

Key benefits:

The card offers a $0 introductory annual fee, with a low $95 annual fee after that.

Cardholders will earn an incredible 2% cash back on every purchase, and a one-time $500 cash bonus after spending $4,500 on purchases within 3 months from account opening.

Capital One® Spark® Miles for Business
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

Small businesses whose employees travel regularly.

Key benefits:

Because the Capital One® Spark® Miles for Business isn't tied to just one airline, miles can be applied to any airline, any time, with no blackout dates, and miles have no expiration and no limit. Earn 2 miles per $1 purchase, and a one-time bonus of 50,000 miles after the first $4500 spend in the first 3 months. With a low annual fee, and no annual fee for the first year, this is a low-cost option for a small business card.

Capital One® Spark® Cash Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash Select for Business is great for the business owner who could appreciate a credit card with the potential to return generous cash back to the company.

Key benefits:

The card offers unlimited 1.5% cash back, which could mean thousands of dollars each year going back into the business. It also has a one-time $200 Cash Back bonus once $3,000 has been spent on purchases within 3 months from when the account was opened.

Get employee cards at no additional cost, and earn rewards from their business spend. The card has a $0 annual fee and a 0% intro APR on purchases for 9 months.

Capital One® Spark® Miles Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Miles Select for Business is an excellent no-frills card for small business owners who travel occasionally for business.

Key benefits:

Cardholders earn 1.5 miles per $1 on every purchase, miles won't expire for the life of the account, and there's no limit to the amount of miles a cardholder can earn.

Fly on any airline, anytime, with no blackout dates or seat restrictions.

Capital One® Platinum Credit Card
Credit Rating Needed:
Average, Fair, Limited
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Who it’s good for:

People who want to pay $0 annual fee.

Key benefits:

Capital One has great online and mobile banking services, which means that cardholders of the Capital One® Platinum Credit Card have tons of flexibility in payment methods. With no annual fee and built-in fraud coverage, this is an easy and stress-free card to own.

Capital One® Spark® Classic for Business
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The no annual fee Capital One® Spark® Classic for Business is a great no-frills business credit card, perfect for the small business looking to earn cash back on all purchases.

Key benefits:

Cardholders will enjoy business benefits including supplementary employee cards at no extra cost and dedicated small business customer service.

There are no foreign transaction fees.

Capital One® Secured Mastercard®
Credit Rating Needed:
Limited, Bad
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Who it’s good for:

People with low or no credit who want to build their credit.

Key benefits:

Capital One® Secured Mastercard® has no annual fee and is perfect for people with limited or bad credit. Cardholders get access to a higher credit line after making the first 5 monthly payments on time with no additional deposit needed. $0 Annual Fees make it easy to build credit.

Journey® Student Rewards from Capital One®
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The Journey® Student Rewards from Capital One® is an excellent first credit card for students.

Key benefits:

Cardholders will earn 1% cash back on all purchases, which increases to a total of 1.25% for the month as a reward if the balance is paid on time. This card teaches responsible use and helps cardholders build their credit --- cardholders can request a higher credit line after making their first 5 monthly payments on time.

Chase Freedom Unlimited®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom Unlimited® Visa card is a strong choice for anyone who's in the market for either a cash-back credit card or a balance transfer card. It offers freedom from the usual cash-back restrictions and from interest on balances transferred over.

Key benefits:

The card offers unlimited and automatic 1.5% cash back on every purchase, and there's no minimum for redeeming cash back rewards. Cardholders also enjoy a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR (currently 17.24% - 25.99%). The fee on balance transfers is either $5 or 3%, whichever is greater.

Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.. Redeem your cash back whenever, no minimums required. The annual fee is $0.

Chase Freedom®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom® credit card is an excellent no-frills option for first-time cardholders, or cardholders looking to consolidate their debts.

Key benefits:

The Chase Freedom® credit card has a 0% introductory APR for 15 months from account opening on purchases and balance transfers.

Chase Freedom® also offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter.

Cardholders will earn a 1% cash back on all other purchases.

Ink Business Cash℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Cash℠ Credit Card is a fantastic rewards card for the business owner who's looking for a good company card that will provide solid savings on a full range of business expenses.

Key benefits:

Earn $500 bonus cash back after spending $3,000 on purchases in the first 3 months from account opening. Then, earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year. Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Other purchases earn 1% cash back.

The card has a $0 annual fee and a 0% introductory APR for 12 months on purchases. The cardholder can get employee cards at no additional cost.

Ink Business Unlimited℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Unlimited℠ Credit Card is an excellent no-frills small business credit card, especially for small business-owners looking to consolidate their credit card debts.

Key benefits:

The card boasts a $0 annual fee and a 0% Intro APR on Purchases for 12 months.

Employee cards can be issued at no additional cost.

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. Cardholders will also earn unlimited 1.5% cash back on every purchase.

Citi Rewards+ Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with good credit who want a rewards card with no annual fees.

Key benefits:

Introducing the New Citi Rewards+ Card -- The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.. Earn points on all purchases, and 2X points on groceries and gas. Eligible applicants can access a low APR and there are no annual fees.

Citi® Double Cash Card - 18 month BT offer
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi® Double Cash Card has wide appeal. It deserves a spot in the wallet of anyone who'd like to pay down debt --- or earn better than the usual cash back on every type of spending.

Key benefits:

Earn 2% cash back on purchases: 1% at the time of purchase and another 1% when it's paid off. The card also offers a 0% introductory APR on balance transfers --- for 18 months. After that, cardholders pay a variable rate, currently 15.74% - 25.74%*. Note that there is a balance transfer fee and that transfers do not earn cash back.

This card has a $0* annual fee, and the cash back couldn't be more simple: There are no caps and no categories to track.

American Airlines AAdvantage MileUp Card
Credit Rating Needed:
Excellent
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Who it's good for:

The American Airlines AAdvantage MileUp℠ Card is good for anyone who flies regularly on American Airlines and is looking to score some miles easily.

Key benefits:

Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases during the first 3 months.

Cardholders will earn 2 AAdvantage miles for each $1 spent on eligible American Airlines purchases and at grocery stores. Cardholders also save 25% on in-flight food and beverage purchases. The card has no annual fee.

Costco Anywhere Visa® Card by Citi
Credit Rating Needed:
Excellent
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Who it’s good for:

Costco members who regularly shop at Costco.

Key benefits:

The benefits of the Costco Anywhere Visa® Card by Citi don't stop at the doors of Costco, although 2% cashback on in-store and online purchases isn't bad at all. Cardholders can also get 4% cash back on gas, 3% on restaurants and travel, and 1% on all other purchases. With no annual fee (aside from the cost of a Costco membership), this is a low-fee card with a reasonably low APR, too.

Citi Rewards+ Student Card
Credit Rating Needed:
Good
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Who it's good for:

The Citi Rewards+℠ Student Card is the perfect starter card for the student who is ready to start building credit and find out how a good rewards credit card works.

Key benefits:

The only credit card that automatically rounds up to the nearest 10 points on every purchase, the Citi Rewards+℠ Student Card also provides 2,500 bonus points after the cardholder spends $500 within 3 months of account opening. Those points are redeemable for a $25 gift card. The card also has a $0 annual fee and a 0% intro APR on purchases for 7 months. After that, the variable APR is 16.74% - 26.74%, based on creditworthiness.

Get 10% points back for the first 100,000 ThankYou® Points redeemed each year.

Citi® Secured Mastercard®
Credit Rating Needed:
Limited History/No Credit/ New-to-Credit/ Good
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Who it’s good for:

People with bad or limited credit.

Key benefits:

When used responsibly, the Citi® Secured Mastercard® is a great way to build credit. With no annual fee and only a small, refundable security deposit, cardholders can build credit history. Citi has great customer service and online tools to help cardholders stay on track and make payments easily.

Credit One Bank® Cash Back Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

People looking for a simple cash back card.

Key benefits:

The Credit One Bank® Cash Back Rewards Credit Card offers qualified applicants a competitive APR and no or low annual fees. Cardholders earm 1% cash back rewards on all purchases. Cardholders also get free online access to Experian, which makes monitoring credit easy.

Credit One Bank® Visa® Credit Card with Cash Back Rewards
Credit Rating Needed:
Fair
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Who it's good for:

People with good credit who want cash back rewards.

Key benefits:

The Credit One Bank® Visa® Credit Card with Cash Back Rewards offers qualified applicants no annual fee and 1% cash back on all purchases. Credit One Bank's mobile banking app makes it easy to keep track of your spending and make payments 24/7 from anywhere with internet access. Credit One also offers cardholders free online access to their Experian credit score and report summary to keep track of their overall credit health, a great fringe benefit!

Credit One Bank® Platinum Visa®
Credit Rating Needed:
Fair
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Who it's good for:

Applicants with strong credit scores, and applicants who check their credit score often. They will receive the preferred annual fee rate and a lower APR%, along with free online access to their Experian credit score.

Key benefits:

No annual fee for qualified individuals, cashback, lowered APR%, coupled with free online access to Experian makes for an attractive card. If you check your credit score religiously, this card may be worth it for the free Experian accesss alone.

Deserve Edu
Credit Rating Needed:
No Credit History
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Who it's good for:

Deserve Edu is great for students who shop with Amazon, love travelling, or are international students.

Key benefits:

The Deserve Edu, on top of being a solid starter credit card for students, offers access to an Amazon Prime Student subscription!

With 1% unlimited cash back and no foreign transaction fees, Deserve Edu helps local and international students alike build credit.

Deserve Pro
Credit Rating Needed:
No Credit History
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Who it's good for:

The Deserve Pro Mastercard is a good travel and rewards credit card for students, young professionals and recent immigrants that can help build a credit history.

Key benefits:

Priority Pass™ Select Membership (valued at $99), good for discounted airport lounge access, when $1,000 in purchases have been made with a new card within the first 90 days. Cardholders earn 3% cash back on travel and entertainment, 2% cash back at restaurants, and 1% unlimited cash back on all other purchases.

The card comes with a $0 annual fee, credit limits up to $10,000, no foreign transaction fees, and up to $600 in complimentary cellphone insurance.

Indigo® Unsecured Mastercard®
Credit Rating Needed:
Bad/Poor
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Who it's good for:

The Indigo® Unsecured Mastercard® is particularly attractive to cardholders who have gone through bankruptcy and who hold bad credit.

Key benefits:

This unsecured credit card allows you to build your credit back to where it was, and doesn't hold the burden of a secured credit card. Applying for this card does not further impact your credit score, and comes with an APR of See Terms.

HSBC Gold Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The HSBC Gold Mastercard® credit card is good for cardholders interested in transferring a balance. With no annual fee, and 0% introductory APR on purchases and balance transfers, cardholders can rest easy.

Key benefits:

The card waives late fees, which is especially great for a balance transfer card. HSBC Gold Mastercard® credit card doesn't have foreign transaction fees, and although it has a variable APR between 14.24%, 20.24%, 25.24%, there's no penalty APR.

Simmons Rewards Visa Signature®
Credit Rating Needed:
Excellent
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Who it's good for:

The Simmons Rewards Visa Signature® credit card is good for consumers with an excellent credit score looking for basic travel rewards.

Key benefits:

The Simmons Rewards Visa Signature® boasts a low APR, no annual fee and no balance transfer fee.

Cardholders will earn 1.25 points per net dollar spent, which can be redeemed for travel including hotels, cruises, vacation packages and car rentals.

Simmons Visa®
Credit Rating Needed:
Excellent
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Who it's good for:

Simmons Visa® is an excellent card for cardholders looking for a balance transfer card. The low interest rate means cardholders can pair this with their favorite rewards card and not worry if they can't pay down a balance right away.

Key benefits:

With one of the lowest APRs at 10.50%, and absolutely no balance transfer fee or annual fee, Simmons Visa® with the Simmons Visa®, and take advantage of their 0% introductory APR for 12 months. Simmons Visa® has a APR% between 10.50% after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

U.S. Bank Cash+™ Visa Signature® Card
Credit Rating Needed:
Good,Excellent
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Who it's good for:

The U.S. Bank Cash+™ Visa Signature® Card is perfect for the person who can appreciate generous cash-back opportunities, including an impressive sign-up bonus. It's also good for stopping the clock on interest on an existing credit card balance.

Key benefits:

A new cardholder can receive a New Cardmember bonus: $150 bonus after spending $500 on eligible purchases during the first 90 days. The card earns 5% cash back on the first $2,000 of eligible purchases each quarter on the combined two categories of the cardholder's choosing. It earns 2% cash back in one everyday category --- like gas stations or grocery stores --- picked by the cardholder. Other purchases earn 1% cash back.

The card has a $0* annual fee and a 0% introductory APR on balance transfers for 12 billing cycles. After that, a variable rate kicks in, currently 16.24% - 25.74%*.

U.S. Bank Cash 365™ American Express® Card
Credit Rating Needed:
Excellent Credit
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Who it's good for:

The U.S. Bank Cash 365™ American Express® Card is good for consumers looking for an above-average cash back reward on all purchases.

Key benefits:

The U.S. Bank Cash 365™ American Express® Card offers unlimited 1.5% cash back on all eligible net purchases with no annual fee and a 0% APR on balance transfers for 12 billing cycles.

USAA® Rate Advantage Visa Platinum® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Rate Advantage Visa Platinum® Card is a terrific choice for active-duty members of the U.S. military, veterans and eligible family members who are all able to enjoy low costs and special benefits.

Key benefits:

The card offers 4% APR on all balances for up to 12 months during deployment or relocation. Cardholders also can get 4% APR on existing balances once they enter active military duty, and those balances remain at the low rate for one year after active duty has been completed.

The card comes with low everyday APR (9.15% - 26.15%), a $0 annual fee, no foreign transaction fees and no penalty APR for late payments. USAA membership is required. The organization is open to: current service members; honorably discharged veterans; widows, widowers and children of USAA members; cadets and midshipmen at U.S. service academies; and some ROTC members.

USAA® Preferred Cash Rewards Visa Signature® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Preferred Cash Rewards Visa Signature® Card is for active and former military, and their families, so they get to reap the rewards of 1.5% cash back on all purchases.

Key benefits:

The USAA® Preferred Cash Rewards Visa Signature® Card offers a number of special benefits for military on active duty, with an APR at 4% while deployed up to 12 months.

After 12 months, a variable APR of between will apply. The card also has no annual fee, no penalty APR, and no foreign transaction fees.

Wells Fargo Cash Wise Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Wells Fargo Cash Wise Visa® Card is a great cashback card for folks who use Apple Pay® or Google Pay™.

Key Benefits:

No annual fee, 0% intro APR just scratch the surface. Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. Cardholders earn an additional 1.8% cashback, for the first 12 months, on top of 1.5%, for using Apple Pay® or Google Pay™.

U.S. Bank Business Platinum
Credit Rating Needed:
Excellent
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Who it's good for:

The U.S. Bank Business Platinum is good for small businesses looking for a no-frills, inexpensive balance transfer card.

Key benefits:

Enjoy 0%* for 20 billing cycles on purchases*, before reverting to the variable APR 12.24%-20.24%*. There's no annual fee, and you get free cards for your employees.