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Best credit cards for no annual fee (October 2026)
Cards that cost nothing to keep, ranked by KritScore. How we value points
- Chase Freedom Flex
No annual fee · Welcome offer worth about $250 · Earns Chase Ultimate Rewards · KritScore 71
- Chase Freedom Unlimited
No annual fee · Welcome offer worth about $200 · Earns Chase Ultimate Rewards · KritScore 69
- IHG One Rewards Credit Card
No annual fee · Welcome offer worth about $750 · Earns IHG One Rewards · KritScore 68
- Capital One VentureOne Rewards
No annual fee · Welcome offer worth about $370 · Earns Capital One miles · KritScore 51
- Marriott Bonvoy Bold
No annual fee · Welcome offer worth about $360 · Earns Marriott Bonvoy · KritScore 46
- Hilton Honors American Express
No annual fee · Welcome offer worth about $350 · Earns Hilton Honors · KritScore 46
- Bilt Blue Card
No annual fee · Earns Bilt Rewards · KritScore 39
What is the best credit card for no annual fee?
On our ranking it is the Chase Freedom Flex, with a KritScore of 71 and a $0 annual fee.
How are these cards ranked?
By KritScore, our overall rating of each card’s value.
Bonus categories can be limited (for example to bookings through the issuer’s travel portal, or capped per year), and offers change. Check each card’s current terms with the issuer before applying.
More rankings
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