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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.br />
• 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 1.25% cash back on all other purchases
  • View Terms & Conditions
American Express Costco Credit Card

The TrueEarnings® Card from Costco and American Express

  • 3% Cash back for gasoline, for annual gasoline purchases of up to $3,000; 1% thereafter
  • 3% Cash back for restaurants
  • 2% Cash back for travel
  • 1% Cash back everywhere else, including Costco
  • View Terms & Conditions
American Express Blue Sky Credit Card

Blue SkySM 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
The Hilton HHonors® Card from American Express

The Hilton HHonors® Card from American Express

  • Earn 20,000 Hilton HHonors® bonus points with your first purchase – enough for up to two free nights
  • Earn up to 10,000 additional HHonors bonus points on your first 4 stays within the Hilton Worldwide portfolio of hotes charged to the Card.
  • Earn 6 HHonors bonus points per eligible dollar spent at the Hilton Worldwide Portfolio of Brands
  • Earn 3 HHonors bonus points for every eligible dollar charged everywhere else.
  • Earn 500 HHonors bonus points when you book online at Hilton Family Hotel Websites using your Card
  • No Blackout Dates when redeeming for hotel stays
  • 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

  • 4% Cash back for gasoline, for annual gasoline purchases of up to $6,000; 1% thereafter
  • 3% cash back for restaurants
  • 2% cash back for travel
  • 1% cash back everywhere else, including Costco
  • View Terms & Conditions