These Are the 7 Most Requested No-Fee Credit Cards in the United States

When considering getting a credit card in the US, one very important aspect is the fees that you may incur when you use them. Many potential customers fear these fees and avoid credit cards so many providers these days offer zero-fee credit cards to entice them.

There are a lot of benefits to having no-fee credit cards and when considering a card, it’s important to learn more about which of these credit cards can give you the most benefits. This is why examining and understanding what each credit card type can do can help you make the decision.


This guide covers the 7 most requested no-fee credit cards in the United States, and what potential cardholders need to know before applying.

These Are the 7 Most Requested No-Fee Credit Cards in the United States
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Benefits of No-Fee Credit Cards

There are a lot of things to love about no-fee credit cards. Apart from having to pay less fees on your monthly statement, you can save a lot of money every year and sometimes, every month depending on your bank from all these fees. 

These Are the 7 Most Requested No-Fee Credit Cards in the United States
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Many credit cards that offer no annual fee usually have some of the best rewards programs that can help you add more rewards when using the card for certain purchases. 


By choosing a no-fee credit card that has a robust rewards program, you can easily enjoy the benefits without having to pay more. 

It is also a lot easier to manage this type of credit card since you don’t have to deal with the annual fee, an annoying additional expense every year.

No Pressure to Use the Credit Card

Probably one of the most underrated benefits of having a no-fee credit card is that you don’t feel the need to use the card for every transaction that you make. Most credit cardholders want to make the most out of their card since they’re also paying for the membership fee or annual fee. 


This often leads to overspending and getting burdened by a lot of fees as well as the interest charges of your purchases. When you have a no-fee card, you can just use it in certain transactions that will help you earn more rewards. 

You can use the card as much as you like without having to meet a certain spending threshold.

The 7 Most Requested No-Fee Credit Cards in the US

A no-fee credit card does not charge you additional fees for owning the card such as a joining fee, annual fee, or membership fee. 

These Are the 7 Most Requested No-Fee Credit Cards in the United States
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This means that you can just use the card at any time you want without any pressure. 

The following cards are the most requested no-fee credit cards in the US right now.

1. Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card is one of the most popular and heavily-favored credit cards of all time and for a reason. The card offers no annual fee and features a very generous rewards program. 

It also has high cashback potential and a long introductory 0% APR period of 15 months. New cardholders will certainly enjoy their first year with the card. After the introductory period ends, the card comes with a competitive 19.99% to 24.99% interest rate on purchases and balance transfers. 

Cardholders will also earn a one-time cash reward bonus of $200 after spending just $500 in their first 3 months and an unlimited 2% cash reward on purchases.

2. BankAmericard Credit Card

If you’re looking to pay off debt, look no further than the BankAmericard Credit Card. Those who have credit card debt can expect help from this no-fee credit card. 

You also get to enjoy 0% introductory APR for 21 billing cycles on purchases and balance transfers, with a 15.74% to 25.74% variable APR afterward. 

The card has no annual fee nor any late payment charges, thus allowing you to fix your debt in no time.

3. Bank of America Unlimited Cash Rewards

It’s always difficult to find a no-fee credit card that offers a very generous rewards system and it’s even more difficult to get one that offers unlimited cash rewards. 

Fortunately, Bank of America has an answer with the Bank of America Unlimited Cash Rewards credit card. This no-fee card offers zero annual fees and a long 0% intro APR period for up to 18 billing cycles. It also has a welcome offer of $200 online cash when you spend $1,000 in the first 90 days. 

On top of all that, you get unlimited 1.5% cash back on all purchases and get even more if you’re a Bank of America Preferred Rewards member.

4. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card is probably one of the most rewarding no-fee credit cards that you can find in the US. 

You get a one-time bonus of 75,000 miles after spending $4,000 in the first 3 months with the card. You then earn unlimited 2x miles on every purchase that you make with the card. 

Earn 5x miles when you book hotels and rentals through the Capital One Travel program and use the miles to reimburse any travel purchase that you make. You also receive a $100 credit for Global Entry. All of that and you still pay zero annual fees.

5. Chase Sapphire Preferred Card

Those who are looking for an amazing no-fee rewards card can look into the Chase Sapphire Preferred Card. This card lets you earn 5x the reward points when you use the card to book your travel through the Chase Ultimate Rewards program. 

You also get 3x the points on dining and 2x the points on other purchases made with the card. As a welcome offer, you get 60,000 bonus points after spending $4,000 in the first 3 months. 

You also get complimentary access to DashPass which offers zero delivery fees and lower service fees for at least one year with the card. 

6. Discover It Cash Back Card

Another great zero-fee credit card is the Discover It Cash Back Card where you earn as much as 5% cash back on purchases made through Amazon and selected groceries, restaurants, and other establishments. 

Then, you get to earn 1% cash back on every purchase made with the card, without having to pay a single cent when it comes to an annual fee.

7. Citi Custom Cash Card

If you’re looking for a no-fee credit card that offers cash back and a long APR-free introductory period, you’re in luck with the Citi Custom Cash Card. The card lets you earn $200 worth of cash back after spending just $1,500 on the card within the first 6 months. 

You also get 0% intro APR on purchases and balance transfers for the next 15 months. You’re also eligible for a whopping 5% cash back on your top eligible spending category and an unlimited 1% cash back on all other purchases made with the card. There is no annual fee.


These 7 credit cards are the best choices for anyone looking for the top requested no-fee credit cards in the US. There’s more to discover with these amazing credit cards so go ahead and choose one to sign up for today!

Note: All credit products carry risks. Read the terms and conditions of the product to know more.