Best Credit Cards with No Annual Fees in 2025 (USA, Canada & UK Guide)
Looking for a great credit card without paying a yearly fee? You’re not alone. Whether you're in the USA, Canada, or the UK, many banks offer powerful credit cards with zero annual fees, excellent cashback, or reward points. In this guide, we compare the top no-fee credit cards in 2025 and help you choose the right one for your lifestyle.
Top No Annual Fee Credit Cards in 2025
I . 🇺🇸 United States
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Chase Freedom Unlimited®
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1.5% cashback on all purchases
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0% intro APR for 15 months
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No annual fee
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Citi® Double Cash Card
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Earn up to 2% cashback (1% when you buy + 1% when you pay)
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Great for everyday spending
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No annual fee
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II .🇨🇦 Canada
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Tangerine Money-Back Credit Card
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2% cashback on 2-3 categories
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Optional savings account integration
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No annual fee
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Scotia Momentum® No-Fee Visa Card
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1% cashback on groceries & recurring payments
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Great starter card
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No annual fee
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III .United Kingdom
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Barclaycard Forward Credit Card
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Good for building credit history
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0% interest for first 3 months
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No annual fee
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Tesco Bank Clubcard Credit Card
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Earn Tesco Clubcard points on spending
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No annual fee
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Suitable for Tesco shoppers
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What to Consider When Choosing a No-Fee Credit Card
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Rewards vs. Simplicity: Choose between flat-rate cashback or category-specific bonuses.
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Intro APR: Some cards offer 0% interest for a few months.
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Credit Score Requirements: Some cards are for beginners, others for those with excellent credit.
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Additional Benefits: Travel insurance, mobile phone protection, fraud alerts, etc.
Common Mistakes to Avoid
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Ignoring foreign transaction fees when traveling
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Applying for too many cards at once
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Missing due dates, which can lower your credit score
Final Thoughts
A no annual fee credit card is an excellent way to manage your spending, earn rewards, and build credit—without the extra cost. Start by comparing cards available in your country and pick one that matches your spending habits.