Credit Card 0 Annual Fee: Best $0 Fee Credit Cards in 2025
Quick answer: The best credit card 0 annual fee in 2025 is the Citi® Double Cash Card for unlimited cashback, while Discover it® is best for rotating categories and Wells Fargo Reflect® is ideal for long 0% APR periods.
A credit card 0 annual fee allows you to earn cashback, rewards, and even travel benefits without paying yearly charges.
Many banks now offer powerful no-fee options, including Bank of America credit cards and U.S. Bank credit card offers.
In this 2025 guide, we compare the best no annual fee credit cards for cashback, rewards, 0% APR, and travel — helping you choose the right card based on how you spend.
Table of Contents
- What Is a Credit Card With 0 Annual Fee?
- Best Overall Credit Card 0 Annual Fee
- Best No Annual Fee Cashback Cards
- Best No Annual Fee Rewards Cards
- Best 0% APR + $0 Annual Fee Cards
- Best No Annual Fee Travel Credit Cards
- Comparison Table
- FAQs
What Is a Credit Card With 0 Annual Fee?
A credit card with 0 annual fee means the issuer does not charge any yearly maintenance fee.
Historically, most cards charged fees — especially in the early credit card era of the 1980s — but today many top issuers offer no-fee cards permanently.
- No yearly or renewal fees
- Cashback and rewards without paying for access
- Lower long-term cost compared to premium cards
- Ideal for beginners and students
- Strong option for building credit responsibly
Best Overall Credit Card 0 Annual Fee (2025)
Citi® Double Cash Card
Annual Fee: $0
Rewards: 2% cashback
The Citi® Double Cash Card is one of the most reliable credit card 0 annual fee options available.
It is especially useful if you want simple rewards without limits or category tracking.
If you are also considering starter cards, see options with a $1,000 credit limit.
Best No Annual Fee Cashback Credit Cards
Discover it® Cash Back
This card is popular among users who track rotating categories and prefer flexible cashback.
If you rely on credit reports for approval decisions, you may also want to explore credit cards that use Experian.
Chase Freedom Unlimited®
A strong everyday cashback card offering simplicity and no annual fee.
Best No Annual Fee Rewards Credit Cards
Chase Freedom Flex®
Combines cashback and points with rotating bonus categories.
Capital One SavorOne®
Excellent choice for dining and grocery spending with no annual fee.
Users comparing alternatives may also want to review Credit One credit card options.
Best 0% APR + $0 Annual Fee Credit Cards
Wells Fargo Reflect® Card
Best for long-term financing with extended 0% APR and no annual fee.
BankAmericard® Credit Card
A low-cost option from a major issuer.
If you already bank with BofA, compare it with other Bank of America credit cards.
Best No Annual Fee Travel Credit Cards
Delta SkyMiles® Blue American Express
Ideal for travelers who want airline rewards without paying a yearly fee.
U.S. Bank Co-Branded Cards
Some U.S. Bank cards, including retail partnerships like the
Kroger credit card from U.S. Bank,
offer no annual fee and competitive rewards.
Comparison Table: Best Credit Card 0 Annual Fee
| Card | Annual Fee | Best For | Main Benefit |
|---|---|---|---|
| Citi Double Cash | $0 | Best Overall | Unlimited cashback |
| Discover it Cash Back | $0 | Categories | 5% rotating rewards |
| BankAmericard | $0 | 0% APR | Low-cost financing |
Frequently Asked Questions
What is the best credit card 0 annual fee in 2025?
Citi® Double Cash remains the top no-fee credit card for long-term value.
Do all credit cards have an annual fee?
No. Many modern cards, including zero annual fee credit cards, permanently charge $0.
Can you earn rewards without paying an annual fee?
Yes. Cashback, travel points, and 0% APR offers are widely available with no-fee cards.
This page is updated regularly to reflect current no annual fee credit card offers.
Mohamed Faisal writes about money management, investing, and personal finance tools that help people grow their wealth.
