Capital One Credit Cards with No Annual Fee
WalletHub makes it easy to find the best credit card for you.
Capital One’s (a WalletHub partner) credit card division is somewhat unique among major banks because it targets offers to people of all credit levels. That means some of the no annual fee Capital One credit cards listed below may very well be attainable even if you have average credit standing or limited credit history. Most other issuers reserve credit cards without annual fees for people with good or excellent credit, as such folks are proven commodities for whom they don’t have to offset as much risk.
Irrespective of credit standing, a Capital One credit card with no annual fee can benefit two types of people: 1) those looking to build credit cost-effectively and 2) those who don’t care enough to pay extra for better rewards. Credit cards are the most efficient credit building vehicles, regardless of whether you actually make any charges or not, and having an account with no annual fee enables you to lock your card in a drawer without feeling guilty. When it comes to selecting a no annual fee credit card, we recommend comparing offers across all major issuers, unless you have a specific reason for wanting a Capital One credit card. This will increase your chances of finding the offer with the best terms.
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Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.49% - 23.49% (V)
Rewards Details
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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14.49% - 24.49% (V)
Rewards Details
- One-time $150 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
- 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
Additional Info
- 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Card - 0% Intro APR for 15 Months
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.74% (V)
Additional Info
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
- See More Details & Reviews About TheCapital One® Platinum Credit Card
Secured Card
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Min Deposit of $49, $99 or $200
One-Time Fees
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None
Regular APR
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24.99% (V)
Additional Info
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See More Details & Reviews About TheCapital One® Secured Mastercard®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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15.99% - 24.74% (V)
Rewards Details
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
- 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
Additional Info
- 0% intro APR on purchases for 15 months; 15.99%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Savor® Cash Rewards Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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14.4% - 24.24% (V)
Annual Fee
None
Rewards Rate
1.5% Cash Back
Minimum Credit
Good
Rewards Details
- Earn 1.5% cash back on all purchases with no limit to the amount you can earn.
- Get rebates and discounts on AT&T, Teleflora, Union Plus Motor Club and Car Rentals.
Additional Info
- After 3 months as a cardholder, you may be eligible for hardship grants.
- Improved Assistance Benefits for eligible cardholders: Job Loss Grants, Strike Grants, Disability Grants, Hospital Grants.
- MasterRental® Collision Damage Waiver, Identity Theft Resolution Services and Price Protection.
- See More Details & Reviews About TheUnion Plus Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.4% - 21.4% (V)
Annual Fee
None
Rewards Rate
1% Cash Back
Minimum Credit
Good
Rewards Details
- Earn 1% Earnings on your purchases redeemable toward an eligible new GM vehicle or Redeem your 1% earnings for cash back in $50 increments.
- Use your Earnings toward over 30 eligible, new vehicles.
- There are no limits to the amount of Earnings you can receive — plus, no limits on what you can redeem — on an eligible, new GM vehicle.
Additional Info
- Get up-to-date news and offers, and manage your Earnings.
- Combine Earnings with the GM Employee or Supplier Discount (if eligible).
- See More Details & Reviews About TheGM Extended Family Credit Card
Community Discussion
Comparing Capital One Credit Cards with No Annual Fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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