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No Annual Fee Credit Cards

Same Service, No Annual Fee

All No Annual Fee Cards

Return Protection

If you try to return an eligible item purchased with your Card within 90 days from the date of purchase and the merchant won’t take it back, Return Protection may provide a refund.

Limited to $300 per item and $1,000 per calendar year. Purchases must be made in the U.S. and its territories.

Skip The Annual Fee & Still Enjoy Great Benefits

You’ll be delightfully surprised by how many American Express® Cards come packed with perks and no annual fee. Whether you prefer simplicity and flexibility, points to use towards travel on your bucket list, stays at hotels with points programs, or miles on everyday purchases, there’s a No Annual Fee Credit Card to suit your lifestyle.

  • EXPLORE THE PERKS
  • We’ve made sure every foodie, shopper, globetrotter, music lover and more, can enhance their favorite experiences. Simply browse the Credit Cards above with no annual fee and you’ll find perks across entertainment, shopping, dining, and travel. Plus, you can access exclusive benefits such as our Amex Offers by going online and choosing which offers to add to your Card. You can get all this and more, for no annual fee.
  • USE YOUR CARD WITH CONFIDENCE
  • Every Credit Card with no annual fee comes with services you’d expect from American Express. From fraud protection to 24/7 customer support, there’s help at hand whether you’re at home or away. So, find your Credit Card with no annual fee today and enjoy great benefits and the backing of American Express.
  • Learn more about the types of Rewards Cards American Express offers
    Featured Credit CardsFeatured Credit Cards

    Featured Cards
    Find the card that fits your needs.

    See Featured Cards
    Travel Rewards Credit CardsTravel Rewards Credit Cards

    Travel
    Enjoy benefits that travel with you and earn points to use towards future travel.

    See Travel Rewards Credit Cards
    Rewards Credit Cards Rewards Credit Cards

    Rewards Points
    Rewards start at just 1,000 points. Use points at over 500 leading brands.

    See Rewards Points Credit Cards

    Frequently Asked Questions

  • HOW MUCH IS THE ANNUAL FEE FOR AN AMERICAN EXPRESS CARD?
  • Pay $0 annual fee if you choose from our Cards above and still enjoy great perks. We also have annual fee Cards with a range of different fees. Each one has its own unique benefits so explore them all.
  • DO I STILL GET BENEFITS WITH A NO ANNUAL FEE CARD?
  • Yes, our No Annual Fee Cards offer great benefits across entertainment, shopping, and travel. Plus, you’ll always get 24/7 Card Member support.
  • CAN I EARN TRAVEL POINTS WITH A NO ANNUAL FEE CARD?
  • Depending on your chosen Card, you can earn Membership Reward® points to put towards travel bookings. You can also take advantage of No Annual Fee Cards that help you earn Hilton Honors® points and Delta Skymiles® for no annual fee.
  • CAN I EARN CASH BACK?
  • Yes! You can earn Reward Dollars with our no annual fee Blue Cash Everyday® Card and Cash Magnet™ Card. The more Reward Dollars you accumulate, the more you can redeem as a statement credit.