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No Annual Fee Credit Card

American Express offers a large selection to help you find a no annual fee credit card with a variety of rewards and benefits. You can choose to earn points, cash rebates, or travel rewards, or take advantage of the low APR to finance your big ticket purchases.

• Consumers can choose a no annual fee credit card from six recommended here. Blue offers enrollment in the Membership Rewards Express® program and low APR for purchases, with no annual fee. Clear gives you 1% cash back, a free annual credit report, and has no fees of any kind. Blue Cash® and Costco TrueEarnings® Card both offer cash back rewards, while Blue SkySM is a no annual fee credit card for travel rewards. Finally, Hilton HHonors® Platinum Credit Card allows you to earn points redeemable at Hilton Family hotels worldwide, with no annual fee.

• Businesses can choose a no annual fee credit card from four designed for business owners. Both Blue for Business® and Platinum Business Credit Card offer enrollment in the Membership Rewards Express® program and low APR for purchases. SimplyCash®, and Costco TrueEarnings® Business Card are no annual fee credit cards with cash back rewards. All American Express Business Cards come bundled with OPEN Savings®, so you can save even more.

No Annual Fee Personal Credit Card

Find a no annual fee credit card and get a wide variety of benefits, including reward points, cash rebates, travel discounts, and low purchase APR.

American Express Clear Card

Clear from American Express®

  • A no fee credit card with automatic rewards
  • No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. No fees of any kind
  • Get a $25 shopping card every time you spend $2,500
  • Free credit report and score every 12 months
  • 0% Introductory APR for up to 12 months
  • View Terms & Conditions
American Express Blue Card

Blue from American Express®

  • A no annual fee credit card with points rewards
  • Earn one point for virtually every dollar you spend
  • Membership Rewards Express® program - Redeem points for travel, merchandise, and more
  • 0% introductory APR for up to 12 months
  • Low regular APR for purchases
  • View Terms & Conditions
American Express Blue Cash Card

Blue Cash® from American Express

  • A no annual fee credit card with cash back
  • Up to 5% cash back on eligible purchases made at U.S. supermarkets, gas stations and drugstores
  • Up to 1.5% cash back on all other purchases
  • View Terms & Conditions
American Express Costco Credit Card

The TrueEarnings® Card from Costco and American Express

  • A no annual fee credit card with your paid Costco membership
  • 3% cash back for automobile gasoline
  • 3% cash back for restaurants
  • 2% cash back for travel
  • 1% cash back virtually everywhere else including Costco
  • View Terms & Conditions
American Express Blue Sky Credit Card

Blue Sky(SM) from American Express

  • A no annual fee credit card for flexible travel rewards
  • Earn 1 point for virtually every dollar you spend
  • Redeem points on any airline, hotel, rental car or cruise
  • Save $100 for every 7,500 points redeemed
  • View Terms & Conditions
American Express Hilton Hhonors Credit Card

The Hilton HHonors® Platinum Credit Card from American Express

  • A no annual fee credit card for hotel rewards
  • Get 5 Hilton HHonors® bonus points for each eligible dollar spent on stays at over 3,000 Hilton Family hotels worldwide
  • Get 5 bonus points for eligible purchases at supermarkets, drugstores, gas stations, dining establishments, the U.S. Postal Service, and for wireless phone bills
  • Get 3 bonus points for every eligible dollar you spend on other purchases
  • View Terms & Conditions

No Annual Fee Business Credit Card

View our recommended American Express Business Credit Cards which feature no annual fee, low APR, many choices of rewards and built in programs to save your business money.

American Express Blue Business Credit Card

Blue for Business® Credit Card from American Express

  • A no annual fee business credit card with points rewards
  • Earn one point for virtually every dollar you spend
  • Membership Rewards Express® program - Redeem points for travel, merchandise, and more
  • 0% introductory APR for up to 15 months
  • Low regular APR for purchases
  • OPEN Savings® - Save 3-25% on business expenses
  • View Terms & Conditions
American Express Platinum Business Credit Card

Platinum Business Credit Card from American Express

  • A no annual fee business credit card with points rewards
  • Earn one point for virtually every dollar you spend
  • Membership Rewards Express® program - Redeem points for travel, merchandise, and more
  • 0% introductory APR for up to 15 months
  • Low regular APR for purchases
  • OPEN Savings® - Save 3-25% on business expenses
  • View Terms & Conditions
American Express Simply Cash Credit Card

SimplyCash® Business Credit Card from American Express

  • A no annual fee business credit card with cash back
  • Earn 5% cash back on office supplies and wireless services
  • Earn 3% cash back on auto gas purchases of up to $12,000 each year; 1% thereafter
  • Earn 1% cash back on virtually all other purchases
  • 0% introductory APR for up to 12 months
  • OPEN Savings® - Save 3-25% on business expenses
  • View Terms & Conditions
American Express Costco Business Credit Card

The TrueEarnings® Business Card from Costco and American Express

  • A no annual fee business credit card with your paid Costco Membership
  • 5% cash back for buying automobile gasoline
  • 3% cash back for eating out
  • 2% cash back for traveling
  • 1% cash back virtually everywhere else, including at Costco
  • OPEN Savings® - Save 3-25% on business expenses
  • View Terms & Conditions