No Annual Fee Credit Cards

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% 15 Months
Intro Rewards Bonus
$150 bonus
Annual Fee
$0
Apply Now on Chase secure website.
Intro (Transfers)
n/a
Regular APR
14.99%–23.74% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
See additional details for Chase Freedom Unlimited®

Jasper Mastercard®

Credit Recommended:
Limited/New to Credit
Apply Now on Jasper secure website. See if you may qualify
Credit Recommended:
Limited/New to Credit
Regular APR
15.49% (variable)
Cash Advance APR
24.99% (variable)
Late Payment Fee
Up to $27.00
Apply Now on Jasper secure website. See if you may qualify
Return Check Fee
Up to $27.00
Annual Fee
$0*
Credit Recommended
Limited/New to Credit

Highlights

  • No credit history required to apply if you don’t already have one
  • An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
  • Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
  • All the benefits of a premium Mastercard
  • High credit limits, low interest rates
  • No annual fee*, no security deposit
  • Issued by WebBank, Member FDIC
See additional details for Jasper Mastercard®

*Review the Jasper fee schedule: Jasper Mastercard®


Upgrade Card

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $50,000
Regular APR
6.99%-29.99%
Annual Fee
$0
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended
Excellent, Good, Fair, Average

Highlights

  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
See additional details for Upgrade Card
Rates & Fees

Capital One® VentureOne® Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now on Capital One® secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 12 months
Annual Fee
$0
Balance Transfer Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.49% - 24.49% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.49% - 24.49% variable APR after that

Capital One® Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.99% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
See additional details for Capital One® Platinum Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now on Capital One® secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Annual Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
15.49% - 25.49% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • One-time $150 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Capital One® SavorOne® Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now on Capital One® secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Regular APR
15.49% - 25.49% (Variable)
Apply Now on Capital One® secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
ConsumerCard

Highlights

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Deserve Edu

Credit Recommended:
Good/Limited
Get Started on Celtic Bank secure website.
Credit Recommended:
Good/Limited
Annual Fee
$0
Credit Recommended
Good/Limited
Regular APR
18.74% Variable
Get Started on Celtic Bank secure website.
Foreign Trans Fee
$0
Late Payment Fee
Up to $25, First Late Fee Waived
Return Check Fee
Up to $37

Highlights

  • Enjoy Amazon Student Prime Membership on us for a year, must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
See additional details for Deserve Edu
Rates & Fees

Capital One® Secured Mastercard®

Credit Recommended:
Limited, Bad
Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Balance Transfer Fee
$0
Annual Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.99% (Variable)
Product Type
ConsumerCard
Credit Recommended
Limited, Bad

Highlights

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
See additional details for Capital One® Secured Mastercard®
Advertiser Disclosure

No Annual Fee Credit Cards

With so many credit cards out there, it can be hard to decide which one is right for you. The best credit cards with no annual fee can help you earn rewards faster and manage your finances effectively, often at a lower cost to you.

Understanding Credit Cards With No Annual Fee

There are a few different fees some people may have to pay when they have a credit card. Credit card companies make most of their money charging interest, but some also charge an annual fee. This expense is a little like buying a ticket to keep using the card every year. What if you could get one for free? Since these costs can range from $25 to hundreds of dollars, avoiding the fee may mean more money in the bank for you. Many cards do not have that annual expense, so you might be better off looking at these first.

Benefits of Credit Cards Without Annual Fees

All kinds of credit cards offer rewards like cash back or points you can use toward travel or other purchases. You can often get access to these benefits whether or not the card has an annual fee. The main difference is that you do not have to try to balance those rewards with the money you have to pay just so you can use the card. When you know you will not get charged this fee every year (or every month, in some cases), you do not have to worry about remembering to pay it off before getting charged with a late fee or having it detract from the value of the rewards you might earn.

How to Compare the Best Credit Cards for Fair Credit With No Annual Fee

Credit cards are not created equal, so you still need to compare the other features before making a choice. Look at these aspects:

  • Annual interest rate, and whether it is fixed or variable
  • Balance transfer fees and rates
  • How much you earn in rewards, plus ways to redeem them
  • Late fees
  • Grace period before the company starts charging interest

By analyzing these terms, you can select the card that suits your financial goals.Credit cards can be a useful tool to build credit and get rewarded for spending money. Choosing one with no annual fee could allow you to enjoy those benefits faster.

*See online credit card application for details on the terms and conditions.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.