best no-fee credit cardsWhen it comes to credit cards, one thing that many people would like to avoid are the fees. From annual fees and late fees to balance transfer fees and penalty APRs, there are a lot of credit card fees that cardholders are subject to, depending on a card’s terms and conditions. Fortunately, not all credit cards charge these fees. Whether you’re looking for a cash back credit card that charges no annual fee, a balance transfer card that waives the usual 3 to 5% balance transfer fee or you’re a frequent traveler who wants to avoid paying foreign transaction fees abroad, we’ve got you covered with a list of the best credit cards with no fees.

Best cards with no annual fees

It’s no secret that some credit cards charge annual fees, which are fees that you pay once per year to keep your card membership active. This is especially true for higher-end rewards credit cards. Although annual fees can sometimes be worth it, as the rewards may outweigh the annual fee and then some, there are a number of consumers who would rather avoid them altogether. If you’re one of those people, these are the cards for you:

Cash back credit cards

Discover it – Cashback Match

best no-fee credit cards Discover it – Cashback Match is a stellar cash back rewards card that charges no annual fee. Cardholders will earn 5% cash back on purchases in select, rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500 in purchases, then 1% after that) as well as 1% cash back on all other purchases. The rotating categories allow you to earn cash back on plethora of purchases. For example, from now through December 2017, you’ll earn 5% back at Target and Amazon.com, then from January through March 2018, you’ll earn 5% back at gas stations and wholesale clubs. Other categories for 2018 include grocery stores from April through June 2018, restaurants from July through September 2018 as well as Amazon.com and wholesale clubs from October through December 2018. As we noted, you’ll need to sign up for the categories every quarter to get the 5% back, but Discover makes that easy with automatic email reminders. On top of that, Discover will match all the cash you’ve earned at the end of your first year. This means if you’ve earned $300 in cash back rewards, Discover will match that $300 to give you a total of $600 back! Other perks of the card include no foreign transaction fees and a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). What’s more, Discover it – Cashback Match is available to those with average to excellent credit (usually considered a credit score of 670 or higher).

Blue Cash Everyday Card from American Express

best no-fee credit cardsIf you’re looking to earn cash back on everyday purchases and pay no annual fee, the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) is for you. With this card, you’ll earn 3% cash back at U.S. supermarkets (up to $6,000/year in purchases, then 1% after that), 2% cash back at U.S. gas stations and select U.S. department stores, such as Nordstrom and Macy’s, as well as 1% cash back on all other purchases. Plus, you’ll earn a $150 bonus when you spend $1,000 on purchases in the first 3 months! Blue Cash Everyday Card holders will also enjoy 15 months of 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee).

Travel rewards credit cards

Discover it Miles

best no-fee credit cardsIf you’re more of a traveler, Discover it Miles is probably a good fit for you. That’s because cardholders earn 1.5 miles for every $1 spent, and since Discover matches all the miles you’ve earned at the end of your first year, you’re earning an effective 3 miles for every $1 spent in the first year. When it’s time to redeem your rewards, you can redeem for a direct deposit into your bank account or for travel statement credit to cover purchases made with the card. Discover it Miles’ rewards hold a strong average flight and hotel value of $1.50 for every $100 spent, based on our Travel Rewards Credit Card Analysis. Rounding out its perks is a 14-month 0% intro APR on purchases, no annual fee and no foreign transaction fees.

Bank of America Travel Rewards Credit Card

The Bank of America Travel Rewards Credit Card is another travel rewards card with no annual fee. This card earn 1.5 points for every $1 spent on all purchases. Plus, when you spend $1,000 on purchases in the first 90 days, you’ll earn 20,000 bonus points! Points earned with the Bank of America Travel Rewards Credit Card can be redeemed for statement credit to cover travel purchases made with the card. It also placed well in our Travel Rewards Credit Card Analysis, earning an average flight and hotel value of $1.50 for every $100 spent. Other perks of the card include a 12-month 0% intro APR on purchases and no foreign transaction fees.

Best cards with no balance transfer fees

Balance transfer credit cards are helpful for those who want to rid themselves of high credit card interest. Most cards charge a balance transfer fee of 3% to 5% of the transfer balance, which often still makes a balance transfer worthwhile, but there are some cards charging no balance transfer fees. Here are two of these cards:

BankAmericard Credit Card

best no-fee credit cardsIf you’re looking to complete a balance transfer, but want to avoid a balance transfer fee, look no further than the BankAmericard Credit Card, our top-rated balance transfer card. This card offers a 15-month 0% intro APR for any balance transfers made in the first 60 days of account opening. It also has a $0 intro balance transfer fee for transfers made in the same 60-day period (after that, it’s $10 or 3%, whichever is greater). The 15-month 0% intro APR extends to purchases, as well, which is great if you need to make any purchases with the card. Plus, there’s no annual fee and no penalty APR, which means paying late won’t impact your APR.

Chase Slate

best no-fee credit cardsChase Slate is another great balance transfer card that charges no balance transfer. Kicking things off is a 15-month 0% intro APR on purchases and balance transfers. Next, cardholders will pay no balance transfer fee for any transfers made within the first 60 days of account opening (after that, there’s a 5% balance transfer fee). Like the BankAmericard Credit Card, Chase Slate also charges no annual fee and no penalty APR.

Best cards with no penalty APRs

If you tend to pay your credit card late, a card with no penalty APR is for you. That’s because with these cards, paying late won’t impact your APR. Here’s some of the best cards with no penalty APRs.

Citi Simplicity Card – No Late Fees Ever

The Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) offers the trifecta of no fees, including no annual fee, no penalty APR and no late fees — ever! On top of that, this card offers a 21-month 0% intro APR on both purchases and balance transfers (with a 3% balance transfer fee), which is the longest 0% intro APR period of any card we review.

Discover it – 18 Month Balance Transfer Offer

best no-fee credit cardsRanked as one of the top cards for customer satisfaction in the 2017 J.D. Power study, Discover it – 18 Month Balance Transfer is a top-notch balance transfer card that offers stellar cash back rewards. This card features a 0% intro APR for 18 months on balance transfers (with a 3% balance transfer fee) and 0% intro APR for 6 months on purchases. Cardholders will also enjoy 5% cash back on purchases in rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then 1% after that) as well as unlimited 1% cash back on all other purchases. The categories are the same as the categories we listed for Discover it – Cashback Match above, which, as we noted, allow you to earn cash back on a number of different purchases. Also, you must sign up for these categories to receive the 5% cash back, but Discover has automatic email reminders to let you know when it’s time. With Discover’s Cashback Match feature, Discover will match your cash back rewards at the end of your first year as a cardholder. This means if you’ve earned $400 in cash back rewards, Discover will match that and give you a total of $800! Discover it – 18 Month Balance Transfer Offer cardholders also pay no annual fee and no penalty APR, meaning your APR will not go up if you’re late on a payment. It should be noted that Discover it – 18 Month Balance Transfer Offer also has no late fee for your first late payment, but the late payment fee jumps up to $37 after that.

Best cards with no foreign transaction fees

Those who travel overseas will want to make sure they choose a travel credit card with no foreign transaction fees. If you don’t already know, a foreign transaction fee is something most cards charge when you make a purchase overseas. These fees can range from 3% to 5% of the purchase, which is why it makes sense to have one of the best cards with no foreign transaction fees.

Barclaycard Arrival World Plus World Elite Mastercard

The Barclaycard Arrival World Plus World Elite Mastercard is the winner of our Travel Rewards Credit Card Analysis for its average hotel and flight value of $2.10 for every $100 spent. Cardholders will earn 2 miles for every $1 spent on all purchases as well as a 40,000-mile bonus — that’s worth $400 in travel — when they spend $3,000 on purchases in the first 90 days. Plus, you’ll get 5% of your miles back any and every time you redeem your miles — that’s a 5% bonus just for redeeming the miles you’ve already earned! Rewards can be redeemed for travel (with no blackout dates or restrictions), statement credit, gift cards or merchandise. Although this card has an annual fee of $89, it’s waived for the first year and there are no foreign transaction fees.

Capital One Venture Rewards Credit Card

Another great travel rewards card that has no foreign transaction fees is the Capital One Venture Rewards Credit Card, which has an average hotel and flight redemption value of $2.00 for every $100 spent, according to our Travel Rewards Credit Card Analysis. With this card, you’ll earn unlimited 2x miles on all purchases. Plus, when you spend $3,000 on purchases in the first 3 months, you’ll earn 50,000 bonus miles — that’s worth $500 in travel! There are no restrictions or blackout dates when you redeem your rewards for travel or travel statement credit, and the card’s $95 annual fee is waived for the first year.

Picking the right credit card for your needs is important. This is especially true if you’re looking for a credit card with no fees. Visit our reviews of the best credit cards to learn more about the cards mentioned in this post or find another card that better suits your needs.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.