CardBenefitsFinder

US credit card benefits, checked against the issuers

Try a card (“Sapphire Preferred”), a bank (“Citi”) or a benefit (“cell phone protection”).

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Credit cards with no annual fee

An annual fee is a yearly charge for keeping a card account open; Chase, Capital One and Bank of America list it in each card's fee table as a dollar amount or as None ⁠1⁠2⁠3⁠4. Thirty-one of the 45 cards we cover list no annual fee, from all eight issuers we cover ⁠5⁠6⁠7⁠8⁠9⁠10⁠11⁠12.

Compiled from official sources 31 cards from 8 issuers Last reviewed How we research
Contents6 sections

How issuers state the fee

Each issuer uses its own label in the fee table. Chase lists an Annual Membership Fee of None for the Freedom Unlimited, Capital One an Annual Fee of None for the Quicksilver, and Bank of America an Annual Fee of None for the Unlimited Cash Rewards ⁠1⁠3⁠4. Citi's product page for the Double Cash states the annual fee as None, and American Express's product page says the Blue Cash Everyday has no annual fee ⁠9⁠5.

Some terms add a fee for authorized users on top of the annual fee. Chase's terms for the Sapphire Reserve list $795 a year plus $195 per year for each authorized user, and Citi's for the Strata Elite list $595 plus $75 for authorized users ⁠13⁠14.

Cards with a $0 first year

One card in our data waives the fee only for the first year. American Express's terms for the Blue Cash Preferred set a $0 introductory annual fee for the first year of Card Membership, and $95 after that ⁠15. Because the fee applies from the second year, the Blue Cash Preferred is not counted among the 31 no-fee cards, and its card page shows the $95 fee with the first-year note ⁠15.

What an annual fee pays for

The 14 cards that charge a fee range from $39 on the Capital One QuicksilverOne to $895 on the Platinum Card from American Express, and 11 of them list statement credits, each with its own conditions ⁠16⁠17. The Sapphire Reserve's $795 fee comes with a travel credit of up to $300 each account anniversary year for purchases in the travel category, and Priority Pass Select lounge membership ⁠13⁠18. The Venture X's $395 fee comes with a $300 Capital One Travel credit each year, usable only through Capital One Travel and expiring on the next account anniversary ⁠19⁠20. On the $895 Platinum Card, the $200 airline fee credit requires enrollment and covers incidental fees from one selected airline ⁠17.

At the $95 level, the Sapphire Preferred includes up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel ⁠2⁠21. The QuicksilverOne and SavorOne each charge $39; they are credit-building cards, and Capital One lists automatic consideration for a higher credit line in as little as 6 months ⁠16⁠22⁠23⁠24.

What the card pages show instead of welcome offers

We do not publish welcome offers, sign-up bonuses or interest rates, including intro APRs, because they change often and depend on the applicant. Each card page shows the annual fee and the foreign transaction fee with their sources, the earning rates with their caps, every benefit and statement credit the issuer lists with its conditions, and a link to the issuer's official card page. The issuer's own application page is the place to read the current offer and rates.

Eleven of the 31 no-fee cards also charge no foreign transaction fee, including the Chase Freedom Flex, Wells Fargo Autograph and Capital One VentureOne ⁠8⁠25⁠26⁠27. Other no-fee cards charge a foreign transaction fee, such as 3% of each transaction converted to U.S. dollars on the Wells Fargo Active Cash ⁠12.

Cards with no annual fee

31 of the 45 cards we cover list no annual fee. Select a heading to sort the table. Each card’s page has the full terms.

Credit cards with no annual fee, by annual fee
Bank of America Customized Cash Rewards credit cardBank of America $0 3% Cash back⁠28
Bank of America Travel Rewards credit cardBank of America $0 None Points⁠6
Bank of America Unlimited Cash Rewards credit cardBank of America $0 3% Cash back⁠4
BankAmericard credit cardBank of America $0 3% No rewards listed⁠29
Blue Cash Everyday Card from American ExpressAmerican Express $0 2.7% Cash back⁠5
Capital One Platinum Credit CardCapital One $0 None No rewards listed⁠30
Capital One Quicksilver Cash Rewards Credit CardCapital One $0 None Cash back⁠3
Capital One Savor Cash Rewards Credit CardCapital One $0 None Cash back⁠7
Capital One VentureOne Rewards Credit CardCapital One $0 None Miles⁠26
Chase Freedom Flex Credit CardChase $0 None Cash back⁠8
Chase Freedom Rise Credit CardChase $0 3% Cash back⁠31
Chase Freedom Unlimited Credit CardChase $0 3% Cash back⁠1
Citi Diamond Preferred Credit CardCiti $0 3% No rewards listed⁠32
Citi Double Cash CardCiti $0 3% Cash back⁠9
Citi Secured MastercardCiti $0 3% No rewards listed⁠33
Citi Simplicity Credit CardCiti $0 3% No rewards listed⁠34
Citi Strata CardCiti $0 3% Points⁠35⁠36
Discover it Cash Back Credit CardDiscover $0 None Cash back⁠10
Discover it Chrome Gas & Restaurants Credit CardDiscover $0 None Cash back⁠37
Discover it Miles Credit CardDiscover $0 None Miles⁠38
Slate Credit CardChase $0 3% No rewards listed⁠39
Slate Edge Credit CardChase $0 3% No rewards listed⁠40
U.S. Bank Altitude Connect Visa Signature CardU.S. Bank $0 None Points⁠41
U.S. Bank Altitude Go Visa Signature CardU.S. Bank $0 3% Points⁠42
U.S. Bank Cash+ Visa Signature CardU.S. Bank $0 3% Cash back⁠11
U.S. Bank Secured Visa CardU.S. Bank $0 3% No rewards listed⁠43
U.S. Bank Shield Visa CardU.S. Bank $0 3% Cash back⁠44
U.S. Bank Smartly Visa Signature CardU.S. Bank $0 3% Cash back⁠45
Wells Fargo Active Cash CardWells Fargo $0 3% Cash back⁠12
Wells Fargo Autograph CardWells Fargo $0 None Points⁠25
Wells Fargo Reflect CardWells Fargo $0 3% No rewards listed⁠46

Related: No foreign transaction fee. Need several benefits at once? Use the card finder.

Sources

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