Credit and Habit

BROWSE & COMPARE

No-Annual-Fee credit cards

Use this category as a starting point. Fees and current offers need to be confirmed with the issuer.

Capital One REI Co-op® Mastercard® — issuer card design
Capital OnePersonal

Capital One REI Co-op® Mastercard®

Advertised credit profile: Good-Excellent Credit

Why it stands outYou will earn 1.5% in REI Co-op Mastercard Rewards on all other purchases made outside of REI. Earnings will apply to net purchases (purchases minus any credits or returns)…

Welcome offer

$100 REI gift cardafter your first purchase outside of REI within 60 days of account opening. Existing or prior REI Co-op Mastercard cardmembers are not eligible.

Annual fee$0
Capital One Spark 1.5% Cash Select — issuer card design
Capital OneBusiness

Capital One Spark 1.5% Cash Select

Advertised credit profile: Excellent Credit

Why it stands outEarn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars…

Rewards focus: Cash back

Welcome offer

$750 cash bonuswhen you spend $6,000 in the first 3 months. New cardholders enjoy a 0% intro APR for the first 9 months.

Annual fee$0
Capital One VentureOne Business — issuer card design
Capital OneBusiness

Capital One VentureOne Business

Advertised credit profile: Excellent Credit

Why it stands outEarn unlimited 1.5X miles on every purchase for your business. Earn unlimited 5X miles on hotels, vacation rentals and rentals cars booked through Capital One Business Travel .…

Rewards focus: Travel

Welcome offer

50,000 bonus milesEarn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

Annual fee$0
Capital One VentureOne Rewards — issuer card design
Capital OnePersonal

Capital One VentureOne Rewards

Advertised credit profile: Excellent Credit

Why it stands outEarn unlimited 1.25 miles per dollar on every purchase Earn unlimited 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Rewards focus: Travel

Welcome offer

20,000 bonus milesonce you spend $500 on purchases within the first 3 months from account opening

Annual fee$0
Amazon Visa — issuer card design
ChasePersonal

Amazon Visa

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn unlimited 1%back on all other purchases anywhere Visa is accepted. Earn unlimited 3%back at Amazon.com,Audible.com,Whole Foods Market,and on Chase Travel purchases. Earn…

Rewards focus: Travel

Welcome offer

$50 Amazon Gift CardGet a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.

Annual fee$0
Chase Freedom Rise Credit Card — issuer card design
ChaseStudent

Chase Freedom Rise Credit Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outWith Chase Freedom Rise, you can establish credit and earn 1.5% cash back on all purchases. * You'll earn 2% cash back total on qualifying Lyft products and services purchased…

Rewards focus: Student

Welcome offer

$25 Statement CreditAfter You Set Up Automatic Payments In The First 3 Months From Account Opening: You will qualify for and receive your $25 statement credit if you set up automatic payments during the first 3 months from account opening and remain enrolled for at least 90 consecutive days. After qualifying, please allow 6 to 8 weeks for statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Annual fee$0
Disney Visa Card — issuer card design
ChasePersonal

Disney Visa Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Reward yourself with the Disney Visa Card from Chase. Earn 1% in Disney Rewards Dollars on all card purchases. * Redeem toward most anything Disney at most Disney…

Rewards focus: Dining

Welcome offer

$100 Disney Gift CardeGift to use today upon approval * + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
DoorDash Rewards Mastercard — issuer card design
ChasePersonal

DoorDash Rewards Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE No annual card fee, just cash back on every purchase. Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a…

Rewards focus: Cash back

Welcome offer

free year of DashPassthat will auto-renew at $96/yr. Cancel anytime. *

Annual fee$0
IHG One Rewards Credit Card — issuer card design
ChasePersonal

IHG One Rewards Credit Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Earn IHG One Rewards points on every purchase up to 17X total points per $1 spent when you stay at IHG Hotels and Resorts. *

Rewards focus: Travel

Welcome offer

125,000 Bonus Pointsafter you spend $2,000 on purchases in the first 3 months from account opening. *

Annual fee$0
Instacart Mastercard — issuer card design
ChasePersonal

Instacart Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Turn everyday shopping into everyday rewards Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually * , 5% cash back on Chase…

Rewards focus: Cash back

Welcome offer

$50 Instacart creditautomatically upon approval *

Annual fee$0
Marriott Bonvoy Bold Credit Card — issuer card design
ChasePersonal

Marriott Bonvoy Bold Credit Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Earn up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy. * Enjoy automatic Silver Elite Status * and 5 Elite Night Credits towards the…

Rewards focus: Travel

Welcome offer

45,000 Bonus PointsEarn 45,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold Credit Card. *

Annual fee$0
United Gateway Card — issuer card design
ChaseBusiness

United Gateway Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Earn 2 checked bags each year, * receive 25% back on United inflight and Club premium drink purchases, * and earn unlimited miles with no annual fee.

Rewards focus: Travel

Welcome offer

up to 50,000 bonus milesafter qualifying activities. *

Annual fee$0
Bilt Blue Card — issuer card design

Bilt Blue Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outHousing rewards: up to 1.25X; Bilt partner restaurants: up to 4X; Choose Dining or Grocery (Grocery up to 25K/yr): Not included; Hotels (Booked on Bilt Travel Portal): 3X;…

Rewards focus: Travel

PenFed Platinum Rewards Visa Signature® Card — issuer card design

PenFed Platinum Rewards Visa Signature® Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands out5X on fuel and EV charging; 3X at supermarkets and restaurants. Always earn at least 1X points and even more on gas, grocery, dining, and streaming. 5X points on gas and EV…

Welcome offer

15,000 bonus pointsafter spending $1,500 in qualified purchases within the first 90 days of account opening.

Annual fee$0

What a $0 annual fee does and does not mean

A no-annual-fee card can be a practical everyday option, but interest, late fees, foreign transaction fees and other costs may still apply.

Compare ongoing rewards and eligibility, not just a welcome offer. Paying the statement balance by its due date is generally more important than chasing an incremental reward.

Is a no-annual-fee card free to use?

Not necessarily. Review the pricing disclosures and payment terms; a $0 annual fee does not eliminate interest or other charges.

See which cards fit your spending → · Read the application checklist →