Geeky Insights:

Best No Annual Fee Credit Cards - April 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

What kind of No Annual Fee card are you looking for?

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Showing 1-10 of 82 Credit Cards

Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

Overall Rating:
(5.0/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 15.24% - 15.24% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(5.0)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.24% - 15.24%
Rewards Rate
1 - 4% Cash Back
Rewards Bonus
None
Reward Details:
  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Geeky Insight:
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
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BBVA Compass Business Rewards Credit Card

BBVA Compass Business Rewards Credit Card

Overall Rating:
(4.6/5)
Geeky Insight:
  • Purchase Intro APR: 0% for - 3.99% for 12 months
  • Transfer Intro APR: 0% for 9 months | Transfer Fee: $0
  • Regular APR: 9.24% - 23.24% (Variable Rate)
Compare Card Apply Now on BBVA Compass's website
Overall Rating
(4.6)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for - 3.99% for 12 months
Regular APR
9.24% - 23.24%
Rewards Rate
1 - 3 points / $1
Rewards Bonus
20,000 points
Reward Details:
  • Earn 20,000 CompassPoints when you make $3,000 in Qualifying Purchases in the first 90 days.
  • Earn 3x points at office supply stores and 2x points at gas stations and restaurants.
  • Earn 1 point for every $1 in purchases.
  • Redemption options – Redeem for cash back, account credits, gift cards and travel options.
Geeky Insight:
  • 0% or 3.99% Intro APR only for balance transfers submitted within 90 days of account open date.
  • Save up to 15% with Visa SavingsEdge when you shop at participating merchants with your enrolled Visa® Business Credit Card.
  • Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
  • Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.
  • This card is only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico.
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Regions Visa® Business Enhanced Credit Card

Regions Visa® Business Enhanced Credit Card

Overall Rating:
(4.7/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 6 months | Transfer Fee: 4% (min $10)
  • Regular APR: 11.49% - 22.49% (Variable Rate)
Compare Card Apply Now on Regions Bank's website
Overall Rating
(4.7)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
11.49% - 22.49%
Rewards Rate
1 point / $1
Rewards Bonus
None
Reward Details:
  • Earn one point for every $1 in qualified purchases on a Regions credit card with Relationship Rewards.
  • Redeem your points for gift cards, merchandise, even cash credited directly to your Regions checking account.
  • Visa SavingsEdge: Save up to 15 percent on business purchases.
Geeky Insight:
  • $0 Liability Guarantee.
  • Overdraft Protection.
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State Farm Bank Student Visa® Credit Card

State Farm Bank Student Visa® Credit Card

Overall Rating:
(4.0/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $10)
  • Regular APR: 15.24% - 23.24% (Variable Rate)
Compare Card Apply Now on State Farm Bank's website
Overall Rating
(4.0)
Credit Range
Fair - Limited History
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.24% - 23.24%
Rewards Rate
0.5 points / $1
Rewards Bonus
None
Reward Details:
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
  • Earn 1 point for every $2 spent on eligible purchases.
  • You can redeem points for gift cards at popular retailers, e-certificates, catalog merchandise, air travel, hotels, and eligible State Farm products.
  • Many student discounts provided by Visa.
Geeky Insight:
  • Works with Apple Pay.
  • Online and mobile access anytime.
  • Account Fraud Monitoring.
  • Auto Rental Collision Damage Waiver.
  • Zero Fraud Liability.
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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 21 months
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: 5% (min $5)
  • Regular APR: 13.74% - 23.74% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.2)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 21 months
Regular APR
13.74% - 23.74%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Citi® Double Cash Card 18 month BT offer

Citi® Double Cash Card 18 month BT offer

Overall Rating:
(4.6/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $5)
  • Regular APR: 13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.6)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Citi Rewards+℠ Card

Citi Rewards+℠ Card

Overall Rating:
(4.3/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR: 13.49% - 23.49% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.3)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
13.49% - 23.49%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
15,000 points
Reward Details:
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Geeky Insight:
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card

Overall Rating:
(4.1/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: 3% (min $5)
  • Regular APR: 12.90% - 22.90% (Variable Rate)
Compare Card Apply Now on Amalgamated Bank of Chicago's website
Overall Rating
(4.1)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
12.90% - 22.90%
Rewards Rate
1 - 5 points / $1
Rewards Bonus
$150 statement credit
Reward Details:
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • Select Your Rewards Your Way
Geeky Insight:
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 12.90% - 22.90%, based on your creditworthiness
  • No Annual Fee or Foreign Transaction Fee
  • No Foreign Transaction Fee
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Citizens Bank Everyday Points® Business Mastercard®

Citizens Bank Everyday Points® Business Mastercard®

Overall Rating:
(4.3/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 6 months | Transfer Fee: N/A
  • Regular APR: 11.24% - 21.24% (Variable Rate)
Compare Card Apply Now on Citizens Bank's website
Overall Rating
(4.3)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
11.24% - 21.24%
Rewards Rate
2 points / $1
Rewards Bonus
25,000 points
Reward Details:
  • Earn 25,000 bonus points when you spend $5,000 on purchases within the first 90 days.
  • Earn 2 points for every $1 you spend.
  • Redeem points for valuable rewards like cash back, travel, merchandise, gift cards and much more.
Geeky Insight:
  • Convenient tools, such as online account management and consolidated statements to help you control expenses
  • Benefits like accessCard Command®, Mastercard Easy Savings Program, Travel Assistance and MasterRental® Insurance
  • Free employee cards
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KeyBank Business Rewards Credit Card

KeyBank Business Rewards Credit Card

Overall Rating:
(4.8/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 6 months
  • Transfer Intro APR: 0% for 6 months | Transfer Fee: 3% (min $10)
  • Regular APR: 11.99% - 21.99% (Variable Rate)
Compare Card Apply Now on KeyBank's website
Overall Rating
(4.8)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 6 months
Regular APR
11.99% - 21.99%
Rewards Rate
5 - 10 points / $1
Rewards Bonus
100,000 points
Reward Details:
  • 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days.
  • Earn 10 points per $1 in combined purchases on gas, restaurants, travel and telecommunications.
  • Earn 5 rewards points for every $1 in eligible purchases
  • Redeem points for cash back, gift cards, travel, electronics, merchandise and charity donations.
Geeky Insight:
  • 0% Intro APR on balance transfers requested within 60 days of account opening.
  • Purchase Assurance on qualifying purchases.
  • Lost/Stolen reporting available 24/7.
  • Car Rental Insurance.
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