The 9 Best No Annual Fee Credit Cards of October 2022


A credit card can be a great tool, helping you build credit or earn rewards. You’ve probably seen that some credit cards charge annual fees, whereas some don’t. Sure, it may be worth it to pay an annual fee for a credit card, especially if you get plenty of perks. However, many of the best no annual fee credit cards are also worthy competitors, even offering similar benefits without forking over a fee.

The Best No Annual Fee Credit Cards

  • Wells Fargo Active Cash Card: Best for cashback rewards
  • Capital One SavorOne Cash Rewards Credit Card: Best for entertainment and dining
  • Chase Freedom Unlimited: Best for travel rewards
  • Chase Freedom Flex: Best for Bonus Variety
  • Blue Cash Everyday Card from American Express: Best for everyday purchases
  • Wells Fargo Reflect Card: Best introductory offer
  • Hilton Honors American Express Card: Best for hotel stays
  • Citi Double Cash Card: Best for twice the rewards
  • Discover It Cash Back: Best for quick approval

Wells Fargo Active Cash Card

Best for Cashback Rewards

Key Features

  • Generous signup bonus
  • Intro APR period
  • Rewards don’t expire

This is one of the best no annual fee credit cards if you’re looking for a great flat-rate cash back rewards credit card, as you’ll be able to earn unlimited 2% back on all qualifying purchases. Plus, if you can meet the spending requirements, you’ll be able to earn the $200 sign up bonus. What’s more, it offers a 0% introductory APR for the first 15 months on purchases and qualifying balance transfers and up to $600 in cell phone protection if it ends up being stolen or damaged.

Wells Fargo Active Cash Card

Annual fee

$0

APR

17.99%, 22.99%, or 27.99% variable APR

Signup bonus

$200 cash rewards bonus after spending $1,000 in purchases within the first 90 days

Credit requirements

Good to excellent

Capital One SavorOne Cash Rewards Credit

Best for Entertainment and Dining

Key Features

  • No foreign transaction fees
  • 8% cashback on Vivid Seats…



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