Best no annual fee credit cards of 2025
Maximize your rewards without breaking your budget. Get matched to credit cards from our partners based on your unique credit profile.⍉

Pay no annual fee
No annual fees make it easy to start your credit journey with no upfront cost.
Get rewards with no annual fee
Put money back in your pocket with a credit card that offers rewards and no annual fee.
Save money with no annual fees
You don’t have to spend money to save money with these credit cards.
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All no annual fee credit cards
40 partner offers
Capital One Quicksilver Secured Cash Rewards Credit Card
Ongoing APR: | 29.74% (Variable) |
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Rewards: | 1.5%-5% (cash back) |
Annual Fee: | $0 |
Citi Strata℠ Card
Intro bonus: | For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening. |
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Intro APR: | 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers |
Ongoing APR: | 19.24% - 29.24% (Variable) |
Rewards: | 1x-5x (Points per dollar) |
Annual Fee: | $0 |
Capital One Quicksilver Student Cash Rewards Credit Card
Ongoing APR: | 19.24% - 29.24% (Variable) |
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Rewards: | 1.5%-5% (cash back) |
Annual Fee: | $0 |
Capital One Platinum Secured Credit Card
Ongoing APR: | 29.74% (Variable) |
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Rewards: | N/A* |
Annual Fee: | $0 |
USAA Credit Card
Intro bonus: | Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. |
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Ongoing APR: | 19.24%, 24.24%, or 29.24% Variable APR |
Rewards: | 1x-3x (Points per dollar) |
Annual Fee: | $0 |
One Key™ Card
Intro bonus: | Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo |
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