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 predictable payments††
Great for predictable payments††
Upgrade Card Visa®
Intro purchase APR
N/ARegular purchase APR
14.99% - 29.99%Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
14.99% - 29.99%
Annual fee
$0
- No annual fee
- Combine the flexibility of a card with the predictability of a personal loan
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 long intro APR periods††
Great for long intro APR periods††
Wells Fargo Reflect® Card
Intro purchase APR
0% intro APR for 21 months from account openingRegular purchase APR
17.24%, 23.74%, or 28.99% Variable APRAnnual fee
$0
Intro purchase APR
0% intro APR for 21 months from account opening
Regular purchase APR
17.24%, 23.74%, or 28.99% 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 a loan alternative with rewards††
Great for a loan alternative with rewards††
Upgrade Cash Rewards Visa®
Intro purchase APR
N/ARegular purchase APR
14.99% - 29.99%Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
14.99% - 29.99%
Annual fee
$0
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- No annual fee
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 travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Capital One VentureOne 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
- $0 annual fee and no foreign transaction fees
- Earn 1.25X miles on every purchase, every day
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 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 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 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
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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.