Top 10 Best No Annual Fee Credit Cards 2019

Reward Rate Sign Up Bonus Annual

Fee

Intro Apr Regular Apr Credit Needed
1. Chase Freedom Unlimited 1.5% cash back on all purchases 3% cash back on all purchases in your first year up to $20,000 spent. $0 0% intro apr on purchase and balance transfer for 15 months. 17.24% – 25.99% (V) 670 – 850 Good to excellent 
2. Bank of America® Cash Rewards credit card 3% cash back on a category of choice
2% cash back on groceries and wholesale club purchases
$2,500 combined limit on 2% and 3% categories each quarter
1% cash back on other purchases
$200 online cash back after you spend $1,000 in purchases in the first 90 days of account opening. $0 0% for purchase and balance transfer for 12 billing cycles 16.24% – 26.24% (v) Good to Excellent (670-850)
3. Wells Fargo Propel American Express Card 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services
1 point per dollar on other purchases
Earn 30000 (worth $300) bonus points when you spend $3,000 in purchases in the first 3 months. $0 0% for 12 Months For Purchase And Balance Transfer 16.24%

to

27.24% (Variable)

Excellent/

Good

4. Chase Ink Business Cash Credit Card 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 account anniversary year.
2% cash back on gas and dining ($25,000 in purchases per year)
1% cash back on other purchases
$500 if you spend $3,000 in first 3 months $0 0% intro apr for purchase for first 12 months. 15.49% – 21.49% Variable APR Excellent
5. Discover it® Cash Back Earn 5% cash back in rotating categories each quarter up to the quarterly maximum (currently $1,500) each time you activate.
Earn 1% cash back on all other purchases, with no limit on how much you can earn.
Matches cash back at end of first year of card membership on all cash back earned. $0 0% for 14 months for purchase and balance transfer 14.24% – 25.24% Variable Good/

Excellent 670- 850

6. Capital One® VentureOne® Rewards Credit Card 1.25 Miles per dollar on every purchase, every day.
Earn 10 miles per dollar on hotels booked and paid through Hotels.com/venture.
20000 miles ($200) after you spend $1000 on purchase within 90 days of account opening. $0 0% intro apr for purchase for 12 months 14.24% – 24.24% Variable Good to excellent
690 – 850
7. Wells Fargo Cash Wise Visa® Card 1.5% unlimited cash back on all purchases $200 if you spend $1,000 in first 3 months
1.8% cash back on Google Pay and Apple Pay purchases for first 12 months
$0 0% on purchase and balance transfer for 12 Months 16.24%-

28.24% (Variable)

Good/

Excellent

690 – 850

8. Amex EveryDay® Credit Card from American Express 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x);
1x points on other purchases.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Earn 10,000 Membership Rewards® points after spending $1,000 in purchases in your first 3 months. $0 0% for 15 months for purchase and balance transfer 15.24%–26.24% Variable Good to Excellent 690 – 850
9. Citi® Double Cash Card Earn 2% cash back on purchases N/A $0 0% on Balance Transfers for 18 months 15.74% – 25.74% Variable APR Good – Excellent 690 – 850
10. Capital One® SavorOne℠ Cash Rewards Credit Card Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening $0 0% for 15 months on purchase and balance transfer 16.24% – 26.24% Variable APR Good to excellent 690 – 850

1. Chase Freedom Unlimited®:

Rewards Rate:

3% cash back up to $20000 purchase first year.
Earn 1.5 % cash back after $20000 purchase.

Annual Fee:

$0

Balance Trasfer Intro Apr:

0% intro apr on balance transfer for 15 months.

Regular Apr:

17.24% – 25.99% variable

Credit Needed:

Good to Excellent (670-850)

Other Details:

Free credit score updated weekly.
Cash back points do not expire.

Click here to read full review on Chase Freedom Unlimited.

2. Bank of America® Cash Rewards credit card:

Rewards Rate:

Earn 3 % cash back in your choice category: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2 % cash back at grocery stores and wholesale clubs on first $2500 combined purchase each quarter.
Unlimited 1 % cash back on all other purchase.
Preferred Rewards clients get a 25%-75% rewards bonus on every purchase.

Bonus:

$200 bonus points after spending $1000 on purchase within first 3 months of account opening.

Annual Fee:

$0

Regular Apr:

16.24% to 26.24% variable

Intro Apr:

0% intro apr on first 12 billing cycle purchase and balance transfer

Balance Transfer Fee:

3% (min $10)

Foreign Transaction Fees:

3%

Credit Needed:

Good to Excellent (670-850)

Click here to read full review of Bank of America Cash Reward Credit Card. 

3. Wells Fargo Propel American Express Card:

Rewards Rate:

3x points on eating out and ordering in, on travel (ride sharing to flight), gas station and select streaming services.

1x points on all other purchase.

Intro Bonus:

30000 bonus points when you send $3000 in purchase within 90 days of account opening.

Annual Fee:

$0

Regular Apr:

16.24% to 27.24%

Intro Apr:

0% intro apr for first 12 months for purchase and balance transfer

Balance Transfers Fee:

5% ($5 Min)

Credit Needed:

Good To Excellent (670- 850)

Click here to read full review of wells fargo propel american express credit card.

4. Chase Ink Business Cash Credit Card: (Best for Small Business)

Rewards Rate:

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 account anniversary year.

Earn 2 % cash back on purchase of up to $25000 at gas station and restaurant every year.
1% cash back on all other purchase.

Intro Bonus:

$500 cash back after spending $3000 on purchase within first 3 months of account opening.

Annual Fee:

$0

Regular Apr:

15.49 to 21.49%

Intro Apr:

0% intro apr for purchase for first 12 months.

Click here to read full review of Chase Ink Business Cash Credit Card.

5. Discover it® Cash Back:

Rewards Rate:

5% cash back at different categories like gas station, grocery stores, restaurants, amazon.com and wholesale clubs each quarter (Up to $1500 spending each quarter, after that 1 %)

1% on everything else

Intro Bonus:

Discover it will match all of the cash back you’ve earned at the end of your first year, automatically.

Annual Fee:

$0

Regular Apr:

14.24% – 25.24% Variable

Other Details:

View fico credit score free.

100 % us based customer service.
Cash back never expire. Redeem any amount at any time.

Click here to read full review of Discover it Cash Back Credit Card

6. Capital One® VentureOne® Rewards Credit Card:

Rewards Rate:

10x miles on hotel booking at hotels.com

1.25X miles on everything else.

Intro Bonus:

20000 miles ($200) after you spend $1000 on purchase within 90 days of account opening.

Annual Fee:

$0

Regular Apr:

17.24% – 24.24% variable

Intro Apr:

0% intro APR on purchases for 12 months

Other Details:

Miles do not expire

No black out dates for travel

No limits on how many you can earn

Click here to read detail review of Capital one Ventureone Credit Card

7. Wells Fargo Cash Wise Visa® Card:

Rewards Rate:

Earn flat 1.5 % on all your purchase

Intro Bonus:

$200 cash back when you spend $1000 on purchase within first 3 months

Annual Fee:

$0

Regular Apr:

16.24%-28.24% Variable

Intro Apr:

0 % intro apr on purchase and balance transfer for 12 months.

Foreign Transaction Fees:

3%

Other Details:

Cell phone protection against covered damage and theft.

Click here to read detail review of Wells Fargo Cash Wise Visa Card

8. Amex EveryDay® Credit Card from American Express: Best for us supermarket

Rewards Rate:

2x points at us super market up to $6000 per year in purchase

1x on all other purchase.

Use card 20 or more times in billing period and earn 20 % more points

Intro Bonus:

10000 points when you spend $1000 in purchase within first 3 months.

Annual Fee:

$0

Regular Apr:

14.99% to 25.99% variable APR

Intro Apr:

0% intro APR on purchases and balance transfers for 15 months

Click here to read full review of Amex Everyday Credit Card

9. Citi® Double Cash Card – 18 month BT offer

Rewards Rate:

Earn 2% cash back on purchases

Annual Fee:

$0

Regular Purchase Apr:

15.74% – 25.74%* (Variable)

Balance transfer fee:

3% ($5 Min)

Other Details:

No caps and no Category restrictions

Click here to read full review of Citi Double Cash Credit Card

10. Capital One® SavorOne℠ Cash Rewards Credit Card:

Reward Rate:

3% unlimited cash back on dining and entertainment
2% at grocery store
1 % on all other purchase

Bonus:

$150 cash bonus after spending $500 on purchase within first 3 months of account opening.

Annual fee:

$0

Regular Apr:

18.24% – 26.24% variable

Intro Apr:

0% for 15 months on purchase and balance transfer

Credit Needed:

Good to excellent 670 – 850

Foreign Transaction Fee:

$0

Click here to read full review of Capital One SevorOne

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