No annual fee credit cards
We think you'll love these cards from our partners.
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 high flat-rate cash back††
Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
Intro purchase APR
0% intro APR for the first 12 months from account openingRegular purchase APR
19.24%, 24.24%, or 29.24% Variable APRAnnual fee
$0
Intro purchase APR
0% intro APR for the first 12 months from account opening
Regular purchase APR
19.24%, 24.24%, or 29.24% Variable APR
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
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
19.24% - 29.24% (Variable)Annual fee
$0
Intro purchase APR
0%* for 15 months
Regular purchase APR
19.24% - 29.24% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% 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 graduating to unsecured credit††
Great for graduating to unsecured credit††
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro purchase APR
N/ARegular purchase APR
29.74% (Variable)Annual fee
None
Intro purchase APR
N/A
Regular purchase APR
29.74% (Variable)
Annual fee
None
- No credit score required to apply, but may be used if available
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Great for building credit††
Great for building credit††
First Latitude Assent Mastercard® Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
28.24%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
28.24%* Variable
Annual fee
$0
- A Tax Refund Could be an Opportunity to Improve Your Credit.¹
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
Great for earning interest on your deposit††
Great for earning interest on your deposit††
Credit One Bank® Secured Card
Intro purchase APR
N/ARegular purchase APR
28.74%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
28.74%* Variable
Annual fee
$0
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards for Good Credit
Intro purchase APR
N/ARegular purchase APR
29.74% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.74% (Variable)
Annual fee
$0
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
Great for straightforward rewards††
Great for straightforward rewards††
Credit One Bank American Express® Unlimited Rewards Card
Intro purchase APR
N/ARegular purchase APR
28.74%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
28.74%* Variable
Annual fee
$0
- Earn unlimited 1% cash back rewards on all purchases, terms apply
- No annual fee for qualified applicants, terms apply
Great for no annual fee††
Great for no annual fee††
Capital One Platinum Credit Card
Intro purchase APR
N/ARegular purchase APR
29.74% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.74% (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 rewards on everyday spending††
Great for rewards on everyday spending††
Wells Fargo Autograph® Card
Intro purchase APR
0% intro APR for 12 months from account openingRegular purchase APR
19.24%, 24.24%, or 29.24% Variable APRAnnual fee
$0
Intro purchase APR
0% intro APR for 12 months from account opening
Regular purchase APR
19.24%, 24.24%, or 29.24% Variable APR
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards for Good Credit
Intro purchase APR
N/ARegular purchase APR
29.74% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.74% (Variable)
Annual fee
$0
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
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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.