Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare Capital One credit cards with no annual fee

Earn rewards on your purchases or build your credit.

Compare Capital One credit cards with no annual fee using our table. Select up to four cards to see how their features stack up side-by-side. You can also "Select filters" to narrow your search based on the specific features you're seeking.

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Capital One® Quicksilver® Cash Rewards Credit Card
$0
15.49%, 21.49% or 25.49% variable
0% intro for the first 15 months (then 15.49% to 25.49% variable)
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® Savor® Cash Rewards Credit Card
$0 intro annual fee for the first year ($95 thereafter)
15.99% or 24.99% variable
15.99% or 24.99% variable
Earn $300 after spending $3,000 in the first 3 months.
Capital One® SavorOne® Cash Rewards Credit Card
$0
15.49% or 25.49% variable
0% intro for the first 15 months (then 15.49% or 25.49% variable)
A no-annual-fee card with up to 8% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
loading

Compare up to 4 providers

Capital One offers a variety of no-annual-fee credit cards, including cashback cards, credit-building cards and a travel card. In fact, Capital One cards are cheaper on average compared to providers like Chase or Amex, with the most expensive Capital One cards topping out at around $95 annually. However, that doesn’t mean there isn’t plenty of power packed into Capital One cards.

Is the annual fee on a Capital One card worth it?

Often, yes. For most cards with annual fees, you need only use enough perks or earn enough rewards to at least equal the card’s cost. This is fairly easy to do with the low annual fee’s featured on Capital One credit cards.

Should I get a Capital One cards with no annual fee

Here’s a quick cheat-sheet on who should get a Capital One card with no annual fee and who should look somewhere else.

Get a Capital One card with no annual fee if:

  • You want a simple but effective rewards card
  • You need to build credit or you’re a student new to credit
  • You want one of the strongest dining and entertainment rewards cards on the market

Choose another provider if:

  • You want a card with a versatile rewards system
  • You want a cobranded airline card

How to compare Capital One cards with no annual fee

Comparing Capital One cards with no annual fee is straightforward given the range of cards available under the Capital One umbrella. Here are the main features to look at.

Rewards. Any opportunity to earn rewards on a purchase without paying an annual fee is pure value.

Intro APR. A few Capital One cards offer 0% intro APRs on purchases, though you’re out of luck if you need a balance transfer offer.

APR. If you plan on carrying a balance, you’ll want as low an ongoing APR as possible.

Perks. Capital One cards are fairly light on perks compared to competitors, though you’ll find a few with useful features like travel insurance.

Will I earn more rewards if I pay an annual fee?

It depends, but generally the answer is yes. Here’s a breakdown of how a few annual fee and no-annual fee Capital One cards compare when it comes to rewards.

Capital One® VentureOne® Rewards Credit CardCapital One® Venture® Rewards Credit Card
Annual fee$0$95
Miles1.25x miles on all purchases.2x miles on all purchases.
Signup bonus20,000 bonus miles after spending $1,000 in the first 3 months60,000 bonus miles after you spend $3,000 in your first 3 months of account opening, or still earn 50,000 miles after you spend $3,000 in your first 3 months.
Intro APR period0% intro APR period on purchases for the first 12 months, a variable APR of 15.49% to 25.49% thereafterN/A
Miles earned with a $2,000 monthly spending30,000 miles annually48,000 miles annually
Total miles for the first year if you clear the signup bonus50,000 miles (around $500 value when redeemed for travel)98,000 miles (around $980 value when redeemed for travel)
Total cash back for the first year if you clear the signup bonus$726$972
Capital One® SavorOne® Cash Rewards Credit CardCapital One® Savor® Cash Rewards Credit Card
Annual fee$0$95
Cash back3% cash back on dining and entertainment, 3% at grocery stores and 1% on everything else you buy4% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else you buy
Signup bonus$250 cash bonus after spending $500 in your first 3 months$300 cash bonus after spending $3,000 in your first 3 months
Intro APR period0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafterN/A
Cash back earned with monthly spending of
$800 on dining
$800 on groceries
$800 on all other purchases
$576 annually$672 annually
Capital One® Quicksilver® Cash Rewards Credit CardCapital One® QuicksilverOne® Cash Rewards Credit Card
Annual fee$0$39
Cash back1.5% cash back on all purchases1.5% cash back on all purchases
Signup bonus$200 cash bonus after spending $500 in your first 3 monthsN/A
Intro APR period0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafterN/A
Cash back earned with a $2,000 monthly spending$360 annually$360 annually
Total cash back for the first year if you clear the signup bonus$510$360

In the case of the Venture and Savor cards, paying an annual fee nets you a higher rewards rate on eligible categories. But as you can see in the Quicksilver comparison, paying an annual fee has no bearing on your annual cash back earned after the first year. Instead, the annual fee is something of a “penalty” or buy-in for those who have fair credit.

Bottom line

Your Capital One no-annual-fee options include cashback cards, credit-building cards and a travel card, giving you a well-rounded selection of cards to choose from. But if these cards don’t fit your financial needs, compare other no-annual-fee credit cards to see your options.

Pictures: Getty Images

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site