no annual feesWhile this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

With so many credit cards offering all different types of incentives, such as cash back rewards and travel points, it can be hard to decide which card you should apply for. Fortunately, no matter what your credit score is, there’s a credit card out there for everyone, and although you may have heard all rewards credit cards come with an annual fee, that isn’t the case. While some of the higher-earning cards do charge an annual fee, a large number of rewards credit cards offer top-notch rewards without the annual fee. Whether you’re in the market for a card that earns you cash back, travel rewards or you’re looking to transfer a high-interest balance to a card with 0% intro APR, we’ve got you covered. Here’s our list of the best rewards credit cards with no annual fees.

Best for cash back

Blue Cash Everyday Card from American Express

no annual fees Another great option to consider for cash back rewards with no annual fees, especially if you frequent supermarkets, gas stations and department stores, is the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser). In terms of ongoing rewards, this card earns 3% cash back at U.S. supermarkets (on up to $6,000/year, then it’s 1% after that) and 2% cash back at U.S. gas stations and select U.S. department stores, such as Sears, Nordstrom and Macy’s, among others, as well as 1% on all other purchases. And when you spend $1,000 in the first 3 months, you’ll earn a $150 bonus! Plus, the Blue Cash Everyday Card from American Express has a 15-month 0% intro APR on purchases and balance transfers (with a 3% or $5 balance transfer fee, whichever is greater).

Discover it Cash Back

If you have less-than-perfect credit, the Discover it Cash Back card may be the best option for you, as this card requires average to excellent credit for approval (usually considered a credit score of 670 or higher). This card gives you 5% cash back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1%) and 1% cash back on all other purchases. But the rewards don’t stop there, as Discover will match all of the cash back you earn at the end of your first year. For example, if you’ve earned $300 cash back throughout the first year, Discover will match that $300 and give you a total of $600! This means you’ll effectively earn 10% on rotating categories (up to the quarterly max each quarter) for the first year and 2% on all other purchases — not a bad deal at all. On top of no annual fee, cardholders will enjoy 0% intro APR for the first 14 months on purchases and balance transfers (with a 3% balance transfer fee) — after the 0% intro APR expires, a variable go-to rate applies.

Best for travel rewards

Discover it Miles

The Discover it Miles credit card is another great option for those looking for travel reward points, as it earns an unlimited 1.5 miles for every $1 you spend on any and every purchase. Plus, Discover will match all the miles you’ve earned at the end of the first year — earning you an effective 3X travel miles for the first year. That means if you’ve earned 50,000 miles throughout the first year, Discover will match that 50,000 miles to give you a total of 100,000 miles back. This card has no annual fee and no foreign transaction fees. Cardholders will also enjoy a 0% intro APR for the first 14 months on purchases (after the 0% intro APR expires, a variable go-to rate applies) as well as a copy of their FICO score on monthly statements for free, which is a great way to help you monitor your credit score.

Bank of America Travel Rewards credit card

no annual feesAnother option is the Bank of America Travel Rewards credit card. This travel rewards credit card gives you 1.5 points for every $1 you spend on purchases as well as 25,000 online bonus points if you spend $1,000 in the first 90 days — that’s worth $250 in statement credit. Additionally, if you have an active checking or savings account with Bank of America, you’ll earn a 10% customer bonus when you redeem your rewards for a direct deposit into your bank account (or a 25% to 75% bonus if you’re a Preferred Rewards client). There are no foreign transaction fees or annual fee to worry about and no blackout dates or restrictions to take into consideration when using your card to book trips. Cardholders will also be happy to learn that they’ll get a 0% intro APR on purchases for 12 billing cycles.

Best for balance transfers

Citi Simplicity Card – No Late Fees Ever

no annual feesThe Citi Simplicity Card (a NextAdvisor advertiser) isn’t technically a rewards credit card, but its balance transfer perks make it worth noting. The Citi Simplicity Card offers a 21-month 0% intro APR on balance transfers made in the first 4 months (with a balance transfer fee of 5%, $5 minimum). It also has no annual fee, no late fees and no penalty APR. Cardholders will also get a 12-month 0% intro APR on purchases.

Discover it Balance Transfer

no annual fees The Discover it Balance Transfer card is another good option for balance transfers, especially if you have less-than-spotless credit because it requires average, good or excellent credit for approval. With this card, you’ll enjoy a whopping 18 months of 0% intro APR on balance transfers (with a 3% balance transfer fee) as well as 0% intro APR on purchases for the first 6 months (after the 0% intro APRs expire, a variable go-to rate applies). It’s also an excellent option for those looking for a rewards credit card, as it gives you 5% cash back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1%) and 1% cash back on all other purchases. The 5% categories range from gas stations to restaurants to Amazon.com purchases and more. What’s more, Discover will match all the cash back you’ve earned at the end of your first year — if you’ve earned $500, Discover will match that $500 to give you a total of $1,000 back. This means you’re essentially getting 10% cash back in rotating categories (up to the quarterly maximum) and 2% on all other purchases for the first year! Rounding out this card are copies of your FICO scores on your statements and no annual fee.

Interested in applying for one of these credit cards? Head over to our credit card reviews to learn how.

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.