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Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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No annual fee credit cards

These cards charge no annual fee. Some list a $0 fee only for the first year: those stay out of this list and show the regular fee on their own page.

A $0 fee doesn’t make a card free if you carry a balance. Compare the APR range, since interest on a balance costs far more than most annual fees.

192 cards. Checked on the issuers' official sites on October 16, 2026.

Apple Card

Apple (Goldman Sachs) · Mastercard

Annual fee
$0
Rewards
Cashback
APR
17.74% to 27.99%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Avadian Visa Secured

Avadian CU · Visa

Annual fee
$0
Rewards
No rewards
APR
14.90% to 16.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

JetBlue Card

Barclays · Mastercard

Annual fee
$0
Rewards
Miles
APR
19.74% to 29.74%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

Upromise® World Mastercard®

Barclays · Mastercard

Annual fee
$0
Rewards
Cashback
APR
18.74% to 29.74%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

Wyndham Rewards Earner® Card

Barclays · Visa

Annual fee
$0
Rewards
Points
APR
19.49% to 29.99%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

Bilt Blue Card

Bilt · Mastercard

Annual fee
$0
Rewards
Points
APR
26.74% to 34.74%
  • No annual fee
  • Travel and points
  • 0% intro APR
  • No foreign transaction fee
See details

Bass Pro Shops CLUB Card

Capital One · Mastercard

Annual fee
$0
Rewards
Points
APR
19.74% to 30.74%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

BJ's One+® Mastercard®

Capital One · Mastercard

Annual fee
$0
Rewards
Cashback
APR
19.99% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

BJ's One® Mastercard®

Capital One · Mastercard

Annual fee
$0
Rewards
Cashback
APR
19.99% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Cabela's CLUB Card

Capital One · Mastercard

Annual fee
$0
Rewards
Points
APR
19.74% to 30.74%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

Key Rewards® Visa

Capital One · Visa

Annual fee
$0
Rewards
Points
APR
29.24%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

Kohl's Rewards® Visa

Capital One · Visa

Annual fee
$0
Rewards
Points
APR
29.49%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

REI Co-op® Mastercard®

Capital One · Mastercard

Annual fee
$0
Rewards
Points
APR
17.49% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

T-Mobile Visa®

Capital One · Visa

Annual fee
$0
Rewards
Cashback
APR
18.49% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Amazon Visa

Chase · Visa

Annual fee
$0
Rewards
Cashback
APR
18.99% to 27.74%
Credit
Excellent, Good, Poor
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Instacart Mastercard®

Chase · Mastercard

Annual fee
$0
Rewards
Cashback
APR
18.49% to 27.99%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Prime Visa

Chase · Visa

Annual fee
$0
Rewards
Cashback
APR
18.99% to 27.74%
Credit
Excellent, Good, Poor
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

United Gateway℠ Card

Chase · Visa

Annual fee
$0
Rewards
Miles
APR
19.99% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • 0% intro APR
  • No foreign transaction fee
See details

Citi Strata® Card

Citi · Mastercard

Annual fee
$0
Rewards
Points
APR
18.74% to 28.74%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • 0% intro APR
  • Balance transfer
See details

Discover it® Miles Credit Card

Discover (Capital One) · Discover

Annual fee
$0
Rewards
Points
APR
17.74% to 26.74%
Credit
Excellent
  • No annual fee
  • Travel and points
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

NHL® Discover it® Credit Card

Discover (Capital One) · Discover

Annual fee
$0
Rewards
Cashback
APR
17.74% to 26.74%
Credit
Excellent
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

VISA® Secured

Latino Community CU · Visa

Annual fee
$0
Rewards
No rewards
APR
11.50%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured Visa

Maui County FCU · Visa

Annual fee
$0
Rewards
No rewards
APR
7.00% to 17.50%
Credit
Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

cashRewards

Navy Federal

Annual fee
$0
Rewards
Cashback
APR
14.15% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

cashRewards Plus

Navy Federal

Annual fee
$0
Rewards
Cashback
APR
14.15% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

GO REWARDS® Credit Card

Navy Federal

Annual fee
$0
Rewards
Points
APR
13.49% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Travel and points
  • 0% intro APR
  • No foreign transaction fee
  • For fair or bad credit
See details

Platinum Credit Card

Navy Federal

Annual fee
$0
Rewards
No rewards
APR
10.24% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

Ollo® Platinum Mastercard®

Ollo (Merrick Bank) · Mastercard

Annual fee
$0
Rewards
No rewards
APR
22.99% to 29.99%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • No foreign transaction fee
See details

PenFed Gold Visa® Card

PenFed · Visa

Annual fee
$0
Rewards
No rewards
APR
17.99%
Credit
Excellent, Good
  • No annual fee
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

Secured Credit Card

Rivermark CCU · Visa

Annual fee
$0
Rewards
No rewards
APR
10.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Share-Secured Mastercard

SchoolsFirst FCU · Mastercard

Annual fee
$0
Rewards
No rewards
APR
13.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured VISA

Summit CU (NC) · Visa

Annual fee
$0
Rewards
No rewards
APR
8.95% to 16.95%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Venmo Credit Card

Synchrony · Visa

Annual fee
$0
Rewards
No rewards
APR
18.74% to 30.74%
Credit
Excellent, Good
  • No annual fee
  • No foreign transaction fee
See details

Verizon Visa® Card

Synchrony · Visa

Annual fee
$0
Rewards
Points
APR
22.24% to 33.24%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

TD Cash Credit Card

TD Bank · Visa

Annual fee
$0
Rewards
Cashback
APR
18.49% to 28.49%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
See details

One Key® Card

Wells Fargo · Mastercard

Annual fee
$0
Rewards
Points
APR
18.74% to 28.74%
Credit
Excellent, Good
  • No annual fee
  • Travel and points
  • No foreign transaction fee
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.