No Annual Fee Credit Cards

No annual fee credit cards don’t charge an annual fee and sometimes have lower fees than a typical credit card. No annual fee credit cards offer fewer perks than a traditional rewards card, and no cost is required for maintaining the card.

You can choose one when your spending habits show that credit card rewards do not justify annual fees. Some people will keep one open in case of a financial emergency, and a no annual fee credit card is often used for a specific perk it offers (for example, cash back on Apple store purchases).

Sort 60 Credit Cards by
MAIN REWARD
CREDIT CARD NAME
ANNUAL FEE
PURCHASE APR
KEY BENEFITS

Capital One® Secured MasterCard® Credit Card

NO Rewards

Main reward: NO Rewards

No Annual Fee
Secured
ANNUAL FEE:

$0

Purchase APR: 24.99%

Key Benefits:
  • Travel (3)
  • Security (5)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Bad

Capital One® Platinum Credit Card

NO Rewards

Main reward: NO Rewards

No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 26.99%

Key Benefits:
  • Travel (3)
  • Security (5)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Good

USAA® Rate Advantage Visa Platinum® Credit Card

NO Rewards

Main reward: NO Rewards

No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 8.90% - 25.90%

Key Benefits:
  • Travel (3)
  • Security (5)
  • Insurance (6)
  • Fees Benefits (2)
Credit Score: Good

U.S. Bank Visa® Platinum Card

NO Rewards

Main reward: NO Rewards

0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 11.99% - 23.99%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (2)
  • Services (1)
  • Security (5)
  • Insurance (3)
  • Fees Benefits (3)
  • Discounts (1)
Credit Score: Good

Chase Slate® Credit Card

NO Rewards

Main reward: NO Rewards

Chase Slate Credit Card
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 16.99% - 25.74%

Key Benefits:
  • Travel (1)
  • Sign Up Benefits (2)
  • Services (1)
  • Security (6)
  • Insurance (4)
  • Fees Benefits (2)
Credit Score: Good

Disabled American Veterans USAA® Rewards™ Visa Signature® Card

Rewards Points

Main reward: Rewards Points

Rewards
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 12.90% - 27.90%

Key Benefits:
  • Travel (4)
  • Sign Up Benefits (2)
  • Security (5)
  • Insurance (7)
  • Fees Benefits (2)
Credit Score: Good

Spark® Classic from Capital One®

Cash Back

Main reward: Cash Back

Spark® Classic from Capital One®
Rewards
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 24.74%

Key Benefits:
  • Travel (2)
  • Security (2)
  • Insurance (5)
Credit Score: Good

Spark® Cash Select from Capital One®

Cash Back

Main reward: Cash Back

Spark® Cash Select from Capital One®
Rewards
0% APR
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 22.74%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (7)
Credit Score: Excellent

Journey® Student Credit Cardfrom Capital One®

Cash Back

Main reward: Cash Back

Journey® Student Credit Cardfrom Capital One®
Rewards
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 26.99%

Key Benefits:
  • Travel (2)
  • Security (5)
  • Insurance (4)
  • Fees Benefits (1)
Credit Score: Good

Quicksilver® from Capital One®

Cash Back

Main reward: Cash Back

Quicksilver® from Capital One®
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 26.74%

Key Benefits:
  • Travel (3)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (6)
  • Fees Benefits (1)
Credit Score: Excellent