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.
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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.
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’ picks

Citi® Secured Mastercard®

  • Intro purchase APR

    N/A
  • Regular purchase APR

    24.74% Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

24.74% Variable

Annual fee

$0

Great for simple cash back††
Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    16.49% - 26.49%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

16.49% - 26.49%* Variable

Annual fee

$0

Great for building your credit history††
Great for building your credit history††

Fingerhut Fetti Credit Account issued by WebBank

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99%*
  • Annual fee

    $0*
Intro purchase APR

N/A

Regular purchase APR

29.99%*

Annual fee

$0*

Great for smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    15.74% - 25.74% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

15.74% - 25.74% Variable

Annual fee

$0

Capital One Platinum Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    26.99%*
    Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

26.99%* Variable

Annual fee

$0

Great for students building credit††
Great for students building credit††

Deserve® EDU Mastercard

  • Intro purchase APR

    N/A
  • Regular purchase APR

    20.99%*
    Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

20.99%* Variable

Annual fee

$0

Great for balance transfers††
Great for balance transfers††

Citi Simplicity® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    16.99% - 26.99% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

16.99% - 26.99% Variable

Annual fee

$0

$200 WELCOME BONUS
Great for high flat-rate cash back††
Great for high flat-rate cash back††

Citi® Double Cash Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    16.24% - 26.24% Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

16.24% - 26.24% Variable

Annual fee

$0

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR

    0%
    for 18 Billing Cycles*
  • Regular purchase APR

    16.24% - 26.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 18 Billing Cycles*

Regular purchase APR

16.24% - 26.24%* Variable

Annual fee

$0

Great for balance transfers††
Great for balance transfers††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    15.99% - 25.99% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

15.99% - 25.99% Variable

Annual fee

$0

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†† The opinions you read here come from our editorial team. 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.