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 balance transfers††
Great for balance transfers††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
18.74% - 29.49%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
18.74% - 29.49%* 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 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
18.24% - 28.24%* 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
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Great for building credit with no deposit††
Great for building credit with no deposit††
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 simplifying your debt††
Great for simplifying your debt††
BankAmericard® credit card
Intro purchase APR
N/ARegular purchase APR
See Terms*Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
See Terms*
Annual fee
$0
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Great for flexible cash back††
Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
Intro purchase APR
N/ARegular purchase APR
See Terms*Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
See Terms*
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 balance transfers††
Great for balance transfers††
Citi® Diamond Preferred® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
17.74% - 28.49%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
17.74% - 28.49%* 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 17.74% - 28.49%, 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 travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
N/ARegular purchase APR
See Terms*Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
See Terms*
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.
- 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 flat-rate cash back††
Great for high flat-rate cash back††
Citi® Double Cash Card
Intro purchase APR
N/ARegular purchase APR
18.74% - 28.74%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
18.74% - 28.74%* Variable
Annual fee
$0
- 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.
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. 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.