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

Great for a long balance transfer offer††
Citi Simplicity® Card
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Citi Simplicity® Card

Great for a long balance transfer offer††

Citi Simplicity® Card

  • Intro purchase APR

    0% for 12 Months
  • Regular purchase APR

    19.24% - 29.99%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

19.24% - 29.99%* 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

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0%* for 15 months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Great for no annual fee††
Capital One Platinum Credit Card
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Capital One Platinum Credit Card

Great for no annual fee††

Capital One Platinum Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.99% (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

    18.74% - 28.74%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

18.74% - 28.74%* 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

    19.24% - 29.24%* Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

19.24% - 29.24%* Variable

Annual fee

$0

Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
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Bank of America® Travel Rewards credit card

Great for travel rewards with no annual fee††

Bank of America® Travel Rewards credit card

  • Intro purchase APR

    0% Intro APR for 15 billing cycles for purchases*
  • Regular purchase APR

    19.24% - 29.24% Variable APR on purchases
  • Annual fee

    $0
Intro purchase APR

0% Intro APR for 15 billing cycles for purchases*

Regular purchase APR

19.24% - 29.24% Variable APR on purchases

Annual fee

$0

Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® Card

Great for a long balance transfer offer††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0% for 12 months
  • Regular purchase APR

    18.24% - 28.99%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 months

Regular purchase APR

18.24% - 28.99%* Variable

Annual fee

$0

Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
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Bank of America® Customized Cash Rewards credit card

Great for choosing your top category††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR

    0% Intro APR for 15 billing cycles for purchases*
  • Regular purchase APR

    19.24% - 29.24% Variable APR on purchases
  • Annual fee

    $0
Intro purchase APR

0% Intro APR for 15 billing cycles for purchases*

Regular purchase APR

19.24% - 29.24% Variable APR on purchases

Annual fee

$0

Great for high cash back rates††
Capital One SavorOne Cash Rewards Credit Card
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Capital One SavorOne Cash Rewards Credit Card

Great for high cash back rates††

Capital One SavorOne Cash Rewards Credit Card

  • Intro purchase APR

    0% intro on purchases for 15 months
  • Regular purchase APR

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% intro on purchases for 15 months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Great for a lower security deposit††
Capital One Platinum Secured Credit Card
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Capital One Platinum Secured Credit Card

Great for a lower security deposit††

Capital One Platinum Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.99% (Variable)

Annual fee

$0

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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.