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.
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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®
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Citi® Secured Mastercard®

Citi® Secured Mastercard®

  • Intro purchase APR

    N/A
  • Regular purchase APR

    26.24% Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

26.24% Variable

Annual fee

$0

Great for students building credit††
Deserve® EDU Mastercard
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Deserve® EDU Mastercard

Great for students building credit††

Deserve® EDU Mastercard

  • Intro purchase APR

    N/A
  • Regular purchase APR

    22.49%*
    Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

22.49%* Variable

Annual fee

$0

Great for balance transfers††
Citi Simplicity® Card
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Citi Simplicity® Card

Great for balance transfers††

Citi Simplicity® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    17.74% - 28.49% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

17.74% - 28.49% Variable

Annual fee

$0

Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card

Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    17.99% - 27.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

17.99% - 27.99% (Variable)

Annual fee

$0

Great for building your credit history††
Fingerhut Fetti Credit Account issued by WebBank
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Fingerhut Fetti Credit Account issued by WebBank

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*

Capital One Platinum Credit Card
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Capital One Platinum Credit Card

Capital One Platinum Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    28.49% (Variable)
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

28.49% (Variable)

Annual fee

$0

Great for smaller purchases††
Citi Rewards+® Card
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Citi Rewards+® Card

Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    17.24% - 27.24% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

17.24% - 27.24% Variable

Annual fee

$0

Great for balance transfers††
Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® Card

Great for balance transfers††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    16.74% - 27.49% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

16.74% - 27.49% Variable

Annual fee

$0

Great for travel rewards on a budget††
Bank of America® Travel Rewards credit card
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Bank of America® Travel Rewards credit card

Great for travel rewards on a budget††

Bank of America® Travel Rewards credit card

  • Intro purchase APR

    0%
    for 18 Billing Cycles*
  • Regular purchase APR

    17.74% - 27.74%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 18 Billing Cycles*

Regular purchase APR

17.74% - 27.74%* Variable

Annual fee

$0

Great for high flat-rate cash back††
Citi® Double Cash Card
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Citi® Double Cash Card

Great for high flat-rate cash back††

Citi® Double Cash Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    17.74% - 27.74% Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

17.74% - 27.74% 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.