No Annual Fee Credit Cards (2024)

Find no annual fee credit cards from Mastercard. Compare cards from our partners, view offers, and apply online for the credit card that best fits your needs.

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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
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; 19.99% – 29.99% variable APR after that; balance transfer fee applies

Purchases intro APR: 0% intro on purchases for 15 months
Balance transfer intro APR: 0% intro on balance transfers for 15 months
Regular APR: 19.99% – 29.99% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One SavorOne Cash Rewards Credit Card

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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
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; 19.99% – 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Purchases intro APR: 0% intro on purchases for 15 months
Balance transfer intro APR: 0% intro on balance transfers for 15 months
Regular APR: 19.99% – 29.99% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 29.99% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Citi Custom Cash® Card

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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

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 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

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 29.99% (Variable)
Annual fee: $0
Credit needed: Limited, Bad

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One VentureOne Rewards Credit Card

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$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
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; 19.99% – 29.99% variable APR after that; balance transfer fee applies

Purchases intro APR: 0% intro on purchases for 15 months
Balance transfer intro APR: 0% intro on balance transfers for 15 months
Regular APR: 19.99% – 29.99% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Citi® Diamond Preferred® Card

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0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.

Purchases intro APR: 0% for 12 months on Purchases
Balance transfer intro APR: 0% for 21 months on Balance Transfers
Regular APR: 18.24% – 28.99% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
See Also
Best Joint Checking Accounts for August 2024 | Bankrate

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
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
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

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 19.99% – 29.99% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

PayPal Cashback Mastercard®

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Earn 3% cash back* on PayPal purchases and 1.5% on all other purchases.
With the PayPal Cashback Mastercard®, earn unlimited cash back at millions of merchants.
No restrictions. No rotating categories. No annual fee** .
Shop at millions of brands with PayPal to earn unlimited 3% cash back.
Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance and spend it however you want***
Enjoy piece of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™
*Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
**see Terms and Rates for New Accounts.
***Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 20.24%– 32.24% Variable, rates as of3/1/2024
Annual fee: $0
Credit needed: Excellent/Good/Fair Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Citi Double Cash® Card

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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
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).

Purchases intro APR: N/A
Balance transfer intro APR: 0% intro for 18 months on Balance Transfers
Regular APR: 19.24% – 29.24% (Variable)
Annual fee: $0
Credit needed: Excellent, Good, Fair

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bilt Mastercard®

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$0 Annual Fee
Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
Earns 3x points on dining
Earn 2x points on travel
Earn 1x points on other purchases
Earn double points on the first of each month (excluding rent, up to 10,000 bonus points)
Use the card 5 times each statement period to earn points
Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
Point redemptions include airlines, hotels, future rent payments, credit card statements, toward a down payment on a home, etc.
Select “Apply Now” to learn more about the product features, terms, and conditions

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: See Terms
Annual fee: None
Credit needed: Excellent, Good

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

BMO Platinum Rewards Credit Card

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Welcome Offer – Get 25,000 bonus points when you spend
$2,000 within 3 months of opening your account.
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24% APR based on your creditworthiness*
2 points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter; 1 point per $1 spent on all other eligible purchases
10% anniversary bonus points every year
No annual fee*
* Available only for residents of AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, NE, ND, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY.
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: N/A
Balance transfer intro APR: See Card Details Above
Regular APR: 21.24% – 28.24% (Variable)
Annual fee: $0
Credit needed: Excellent Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

BMO Platinum Credit Card

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0% introductory APR on purchases for 15 months from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24% APR based on your creditworthiness*
0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24% APR based on your creditworthiness*
No annual fee*
* Available only for residents of AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, NE, ND, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY.
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: 0% introductory APR on purchases for 15 months from account opening date
Balance transfer intro APR: See Card Details Above
Regular APR: 18.24% – 26.24% (Variable)
Annual fee: $0
Credit needed: Excellent Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

BMO Business Platinum Rewards Credit Card

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Welcome offer – Get a 100,000 rewards points bonus when you spend $5,000 within 3 months of account opening and spend $50,000 within 12 months of account opening.*
$0 annual fee
Earn up to 5x points for every $1 spent*
Your points don’t expire as long as your account is in good standing
Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®
Enjoy discounts on Intuit Quickbooks® and TurboTax® to streamline your accounting and simplify your taxes*
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: 0% introductory APR on all eligible purchases for 9 months
Balance transfer intro APR: See Card Details Above
Regular APR: 20.49% – 29.49% Variable
Annual fee: $0
Credit needed: Excellent Credit

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.