No annual fee credit cards
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CK Editors’ Tips††: No annual fee credit cards offer valuable features and rewards without an upfront cost. No matter your needs, these cards won’t charge you every year just to keep them open.Read more
What to consider when choosing a no annual fee credit card
When looking for a credit card, it’s often tough to know when it might make more sense to pay an annual fee. Thankfully, that’s not a huge consideration for low-interest cards and credit-building cards, where it’s usually a plus not to pay an annual fee. But cash back cards can offer higher rewards rates when you pay an annual fee, and the best travel cards almost always charge a fee. When shopping for a card, take stock of your spending habits and consider when you’ll be able to offset an annual fee with rewards and when you might be better off without one.
When looking for a credit card, it’s often tough to know when it might make more sense to pay an annual fee. Thankfully, that’s not a huge consideration for low-interest cards and credit-building cards, where it’s usually a plus not to pay an annual fee. But cash back cards can offer higher rewards rates when you pay an annual fee, and the best travel cards almost always charge a fee. When shopping for a card, take stock of your spending habits and consider when you’ll be able to offset an annual fee with rewards and when you might be better off without one.
How we picked the best no annual fee credit cards
Our best no annual fee credit cards include several types of credit cards, including low-interest cards and credit-building cards. For the most part, though, we focused on choosing rewards cards. We picked cash back cards that suit various needs, from flat-rate cash back to bonus rewards, and selected travel cards that provide quality rewards at no upfront cost. But take note that the best travel cards tend to charge an annual fee. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksOur best no annual fee credit cards include several types of credit cards, including low-interest cards and credit-building cards. For the most part, though, we focused on choosing rewards cards. We picked cash back cards that suit various needs, from flat-rate cash back to bonus rewards, and selected travel cards that provide quality rewards at no upfront cost. But take note that the best travel cards tend to charge an annual fee. Read more about our methodology for picking the best credit cards.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
17.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
17.99% - 27.99%* Variable
Annual fee
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Intro purchase APR
0%* for 15 monthsRegular purchase APR
19.74% - 29.74% (Variable)Annual fee
$0
Intro purchase APR
0%* for 15 months
Regular purchase APR
19.74% - 29.74% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Great for no annual fee††
Great for no annual fee††
Capital One Platinum Credit Card
Intro purchase APR
N/ARegular purchase APR
29.99% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.99% (Variable)
Annual fee
$0
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
18.49% - 29.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
18.49% - 29.24%* Variable
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
Intro purchase APR
0% for 12 monthsRegular purchase APR
17.49% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 months
Regular purchase APR
17.49% - 28.24%* Variable
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.74% - 28.74% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.74% - 28.74% Variable APR on purchases
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi Double Cash® Card
Intro purchase APR
N/ARegular purchase APR
18.49% - 28.49%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
18.49% - 28.49%* Variable
Annual fee
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.74% - 28.74% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.74% - 28.74% Variable APR on purchases
Annual fee
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards Credit Card
Intro purchase APR
0% intro on purchases for 15 monthsRegular purchase APR
19.74% - 29.74% (Variable)Annual fee
$0
Intro purchase APR
0% intro on purchases for 15 months
Regular purchase APR
19.74% - 29.74% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Great for a lower security deposit††
Great for a lower security deposit††
Capital One Platinum Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
29.99% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.99% (Variable)
Annual fee
$0
- No credit score required to apply, but may be used if available
- No annual or hidden fees. See if you're approved in seconds
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.