Best of

Best No Annual Fee Credit Cards of 2019

NerdWalletMay 2, 2019

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NerdWallet's Best No Annual Fee Credit Cards of 2019

Our pick for

Bonus category cash back

Discover It Credit Card

on Discover's website, or call (800) 347-0264

Rates & Fees

4.1

NerdWallet rating 

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

14.24% - 25.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 14 months

recommended credit score

The Discover it® Cash Back earns 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation); everything else earns 1%. Not bad for a card with an annual fee of $0. Use it as your everyday card, or pair it with one that earns flat-rate rewards for maximum returns.

Our pick for

Travel rewards

Wells Fargo Wells Fargo Propel American Express (R) Card Credit Card

on Wells Fargo's website

4.0

NerdWallet rating 

on Wells Fargo's website

Annual Fee

$0

Regular APR

16.24% - 27.24% Variable APR

Intro APR

0% APR for 12 months on purchases and qualifying balance transfers

recommended credit score

If you want stellar rewards for an annual fee of $0, it's hard to do much better than the Wells Fargo Propel American Express® Card. You'll be rewarded handsomely across a broad range of popular spending categories.

Our pick for

Flat-rate travel rewards

Bank of America BankAmericard Travel Rewards® Credit Card Credit Card

on Bank of America's website, or call (800) 211-3740

3.9

NerdWallet rating 

on Bank of America's website, or call (800) 211-3740

Annual Fee

$0

Regular APR

17.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 12 billing cycles

recommended credit score

The Bank of America® Travel Rewards credit card boasts easy-to-earn, easy-to-redeem rewards. All purchases earn 1.5 points per dollar; points can be redeemed for credit against any travel purchase.

Our pick for

0% intro APR period

US Bank Visa Platinum Credit Card

on US Bank's website

Rates & Fees

3.6

NerdWallet rating 

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

14.74% - 25.74% Variable APR

Intro APR

0%* on purchases and balance transfers for 20 billing cycles*

recommended credit score

With its lengthy intro APR offer of 0% on Purchases and Balance Transfers for 20 billing cycles, and then the ongoing APR of 14.74% - 25.74% Variable APR, the U.S. Bank Visa® Platinum Card gives you extra breathing room to pay down a big purchase or tame a high balance from another card.

Our pick for

Dining and entertainment rewards

Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

4.3

NerdWallet rating 

on Capital One's website

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Anyone who hits the town frequently will benefit from the Capital One® SavorOne℠ Cash Rewards Credit Card. All dining and entertainment spending on the card earns enhanced rewards without complicated redemption rules or any cost of card ownership.

Our pick for

Small business

Chase Ink Business Cash Credit Card Credit Card

on Chase's website

3.8

NerdWallet rating 

on Chase's website

Annual Fee

$0

Regular APR

15.49% - 21.49% Variable APR

Intro APR

0% on Purchases for 12 months

recommended credit score

Any small business that spends a bundle on telecom services and/or office supplies can benefit from this card's generous rewards in these categories. The Ink Business Cash℠ Credit Card also comes with a stellar sign-up bonus and a 0% intro APR period.

Our pick for

Airline card

The United℠ TravelBank Card

on Chase's website

3.3

NerdWallet rating 

on Chase's website

Annual Fee

$0

Regular APR

18.24% - 25.24% Variable APR

Intro APR

N/A

recommended credit score

You won’t get the robust perks offered by airline cards with annual fees, but United packs considerable value into the United℠ TravelBank Card, aimed at leisure travelers. It has an easy-to-understand loyalty program with healthy rewards on non-United purchases and no foreign transaction fees.

Information related to the United℠ TravelBank Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

Last updated on May 2, 2019

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
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