Best No Annual Fee Credit Cards

6 Cards

Apply for the top no fee credit cards - Updated January 2023

Capital One Platinum Credit Card

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Lowest Credit Score
630
High Credit Score
689
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 30.74% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 30.74% (Variable)
Fees
Balance Transfer Fee $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
  • 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
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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HSBC Gold Mastercard® credit card

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 18 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 18 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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Capital One Quicksilver Cash Rewards Credit Card

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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 15 months
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
  • 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
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
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Capital One SavorOne Cash Rewards Credit Card

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Rates and Fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 19.99% - 29.99% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 15 months
Regular Balance Transfer APR 19.99% - 29.99% (Variable)
Fees
Balance Transfer Fee 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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Truly Simple® Credit Card from Fifth Third Bank

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0%
Intro Purchase APR Period 15 billing cycles
Regular Purchase APR 13.49%-24.49% Variable
Fees
Annual Fee See Terms
Foreign Transaction Fee 3% of each transaction in U.S. dollars.
Balance Transfers
Intro Balance Transfer APR 0%
Intro Balance Transfer Period 15 billing cycles
Regular Balance Transfer APR 13.49%-24.49% Variable
Fees
Balance Transfer Fee 4% of each balance transfer; $5 minimum.
  • Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
  • Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.49% to 24.49% based on your creditworthiness.
  • No Penalty Rate (APR) for a missed payment
  • No Annual Fee
  • Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.
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HSBC Cash Rewards Mastercard® credit card

(0 Ratings or Reviews)
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 12 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 12 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49% - 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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