Best No Annual Fee Credit Cards

8 Cards

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HSBC Gold Mastercard® credit card

(1 Rating or Review)
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 12.74% - 20.74% 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 12.74% - 20.74% 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 12.74% - 20.74% 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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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 14.99% - 24.99% 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 14.74% - 24.74% 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 14.74% - 24.74% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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Capital One® Platinum Credit Card

(0 Ratings or Reviews)
Lowest Credit Score
630
High Credit Score
689
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 26.99% (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 26.99% (Variable)
Fees
Balance Transfer Fee $0
  • 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
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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 15.49% - 25.49% (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 15.49% - 25.49% (Variable)
Fees
Balance Transfer Fee 3%
  • 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
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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 15.49% - 25.49% (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 15.49% - 25.49% (Variable)
Fees
Balance Transfer Fee 3%
  • 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
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Capital One® Secured Mastercard®

(0 Ratings or Reviews)
Lowest Credit Score
300
High Credit Score
689
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 26.99% (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 26.99% (Variable)
Fees
Balance Transfer Fee $0
  • 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
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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 14.24%-25.24% 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 14.24%-25.24% 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 14.24% to 25.24% 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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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 12 months
Regular Purchase APR 13.49% - 23.49% (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 13.49% - 23.49% (Variable)
Fees
Balance Transfer Fee $0
  • $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 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 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that
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