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? 8 of 163 cards match what you picked What you can redeem for Annual fee Card network Perks included Who it suits Airport lounge access Bank
Free Annual fee
Free Joining
Rewards 1% to 5%
Forex 1.99% View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 0% Railway lounge International lounge Domestic lounge Travel +1 View details
Free Annual fee
Free Joining
Rewards 0.5% to 1.5%
Forex 3.49% Domestic lounge Memberships Dining View details
Free Annual fee
Free Joining
Rewards 3% to 6%
Forex 1.5% Domestic lounge International lounge Movies Concierge +2 View details
Free Annual fee
Free Joining
Rewards 1.5% to 5%
Forex 2.75% View details
Free Annual fee
Free Joining
Rewards 5% to 60%
Forex 0% Domestic lounge International lounge Dining Movies +1 View details
Free Annual fee
Free Joining
Rewards NA
Forex 0% Domestic lounge Travel Dining Shopping View details Browse credit cards by bank Browse by how you redeem rewards 
