Cards with no joining fee and no annual fee, ever. We track 163 of them from 33 banks, and 63 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

0 of 163 cards match what you picked

Nothing matches all of those at once

Try removing one. Annual fee and lounge access narrow things down the most.

Start again