Take advantage of perks like 0% intro APR, cash back, or bonus miles on your spending with these top credit cards — all with no annual fee. Check out these featured card offers from our partners below.
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
Apply Now
Wells Fargo Active Cash® Card 5.0
|
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
19.24%, 24.24%, or 29.24% Variable
|
$200
Cash rewards
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Apply Now
Discover it® Cash Back 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
|
2025 award winner Best No-Annual-Fee Travel Credit Card /images/2024/12/17/wells-fargo-autograph-12172024.png)
Apply Now
Wells Fargo Autograph® Card 4.4
|
Balance Transfer:
N/A, N/A
Purchases:
0%, 12 months from account opening
|
19.24%, 24.24%, or 29.24% Variable
|
20,000
Bonus Points
|
$0
|
/images/2023/06/02/td_flexpay_credit_card.jpg)
Apply Now
TD FlexPay Credit Card 4.0
|
Balance Transfer:
0%, 18 billing cycles
Purchases:
N/A, N/A
|
18.24%, 20.24%, 23.24%, 26.24% or 28.24% (variable)
|
N/A
|
$0
|
|
2025 award winner Best 0% Intro APR Credit Card /images/2022/04/27/0427_reflect.png)
Apply Now
Wells Fargo Reflect® Card 4.9
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Apply Now
Discover it® Chrome 4.2
|
Balance Transfer:
0%, 18 months
Purchases:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
/images/2024/12/16/citi-diamond-preferred.png)
Apply Now
Citi® Diamond Preferred® Card 4.4
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
17.24% - 27.99% (Variable)
|
N/A
|
$0
|
/images/2024/12/16/bofa-travel.png)
Apply Now
Bank of America® Travel Rewards credit card 4.4
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
18.24% - 28.24% Variable
|
25,000
Points
|
$0
|
Today's Top No Annual Fee Credit Cards
2025 award winner Best Overall Cash Back Credit Card
Wells Fargo Active Cash® Card
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
0%, 12 months from account opening
0%, 12 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Discover it® Cash Back
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
0%, 15 months
0%, 15 months
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
2025 award winner Best No-Annual-Fee Travel Credit Card
Wells Fargo Autograph® Card
/images/2024/12/17/wells-fargo-autograph-12172024.png)
0%, 12 months from account opening
N/A, N/A
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
2025 award winner Best 0% Intro APR Credit Card
Wells Fargo Reflect® Card
/images/2022/04/27/0427_reflect.png)
0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Discover it® Chrome
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
0%, 6 months
0%, 18 months
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- No annual fee.
- Terms and conditions apply.
Citi® Diamond Preferred® Card
/images/2024/12/16/citi-diamond-preferred.png)
0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Bank of America® Travel Rewards credit card
/images/2024/12/16/bofa-travel.png)
0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Bottom Line
The Wells Fargo Active Cash® Card(Rates and fees) is a great choice for almost everyone. Cardholders can benefit from a generous welcome bonus, earn unlimited 2% cash rewards on purchases, and 0% intro APR for 12 months from account opening on qualifying balance transfers and new purchases — all without an annual fee.
- Intro APR: Enjoy a 0% introductory APR on purchases for 12 months from account opening then 19.24%, 24.24%, or 29.24% Variable APR thereafter. You also get a 0% intro APR for 12 months from account opening on qualifying balance transfers then 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- No annual fee: The Active Cash card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Cash rewards: Cardmembers earn unlimited 2% cash rewards on purchases. If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card card could be a good option for you.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
2025 award winner Best Overall Cash Back Credit Card
Benefits
Card Details
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
- Apply Now
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
Intro Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Why we like it
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.