No Annual Fee Credit Cards

Capital One Quicksilver Cash Rewards Credit Card

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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
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
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; 18.49% – 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Purchases intro APR: 0% intro on purchases for 15 months
Balance transfer intro APR: 0% intro on balance transfers for 15 months
Regular APR: 18.49% – 28.49% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

Capital One Savor Cash Rewards Credit Card

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Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
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 12 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Purchases intro APR: 0% intro on purchases for 12 months
Balance transfer intro APR: 0% intro on balance transfers for 12 months
Regular APR: 18.49% – 28.49% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

Capital One VentureOne Rewards Credit Card

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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
$0 annual fee and no foreign transaction fees
Earn unlimited 1.25X miles on every purchase, every day
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Purchases intro APR: 0% intro on purchases for 15 months
Balance transfer intro APR: 0% intro on balance transfers for 15 months
Regular APR: 18.49% – 28.49% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

Capital One Platinum Credit Card

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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
Top rated mobile app

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 28.99% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

Citi Strata℠ Card

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Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee

Purchases intro APR: 0% Intro APR for 15 months on purchases.
Balance transfer intro APR: 0% Intro APR for 15 months on balance transfers.
Regular APR: 18.49% – 28.49% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

Synchrony Premier World Mastercard®

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2% cash back* on every purchase–no categories, tiers, or limits–no kidding.
No annual fee^
Zero Liability Protection
Secure online and mobile app account access
Get more out of every day purchases — earn 2% cash back with the Synchrony Premier World Mastercard®. No complicated math or rewards categories to remember.
Plus, you’ll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
*CASH BACK REWARDS: Subject to credit approval. Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. See Rewards Terms for details.
^NO ANNUAL FEE: New Accounts as of January 1, 2026: Variable Purchase APR 17.49%, 26.49%, or 33.24%. Variable Balance Transfer APR 17.49%, 26.49% or 33.24% and 4% Fee ($10 min). Variable Cash APR 20.49%, 29.49% or 36.24% and 5% Fee ($10 min). Variable Penalty APR 27.49%, 36.49%, or 39.99%. Minimum Interest Charge is $2. Foreign Transaction Fee is 3%.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 17.49% – 33.24% Variable APR as of January 1, 2026
Annual fee: $0
Credit needed: Good to Excellent

Capital One Platinum Secured Credit Card

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No annual or hidden fees. See if you’re approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
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 to access your account from your desktop or smartphone, with Capital One’s mobile app
Top rated mobile app

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 28.99% (Variable)
Annual fee: $0
Credit needed: Limited, Bad

The Gemini Credit Card®

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No annual fee and no foreign transaction fees. See Rates & Fees to learn more.
Get 4% back on gas, EV charging, transit, taxis & rideshares on up to $300 in spend per month. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month.
3% back on dining, 2% back on groceries, 1% back on all other purchases.
Your rewards are automatically deposited into your account immediately. In some rare cases, rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
You can earn rewards in bitcoin, ethereum or 50+ other cryptos currently available on Gemini.
Beautifully designed stainless steel card that comes in six premium colors, made from 75% recycled material.
Make a purchase with your Gemini Credit Card anywhere in the world where Mastercard is accepted.
Maximize your crypto rewards by adding family, friends or a special someone to your primary account.
Gemini-branded credit products are issued by WebBank and offer various benefits from Mastercard.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 18.49% – 34.49% Variable
Annual fee: $0
Credit needed: Excellent/Good

Zolve Classic Credit Card

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Get the Zolve Credit Card even without a Social Security Number(SSN) or prior credit history.
Offers a credit limit of up to $15,000 to manage your finances smoothly
Zero annual-fee credit card with a simple 5-minute online application process.
Build your US credit score easily with responsible usage.
Earn $15 welcome points after completion of tasks and milestone activities detailed in the application process
Earn 1% cashback on every transaction or purchase.
Reports to all three main credit bureaus: Equifax®, Experian®, and TransUnion®

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 19.50% – 35.50% (Variable)
Annual fee: Zero
Credit needed: No credit history required

Capital One Quicksilver Student Cash Rewards Credit Card

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Earn unlimited 1.5% cash back on every purchase, every day
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
Build your credit with responsible card use
Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Top rated mobile app

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 18.49% – 28.49% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited