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Compare Capital One credit cards with no annual fee

Earn rewards on your purchases or build your credit.

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Capital One offers a variety of no-annual-fee credit cards, including cashback cards, credit-building cards and a travel card. Note that Capital One credit cards that do have an annual fee offer a slightly higher rewards rate on purchases.

Compare Capital One credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Capital One® VentureOne® Rewards Credit Card
$0
15.49%, 21.49% or 25.49% variable
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
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® 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 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
Capital One® Secured Mastercard®
$0
26.99% variable
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® Platinum Credit Card
$0
22.99% variable
22.99% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
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How to compare Capital One cards with no annual fee

When looking for a no-annual-fee Capital One card, ask yourself:

  • Do you want to earn cash back?
    Capital One offers three cashback cards: a student cashback card, a card with unlimited cash back on all purchases or a card with accelerated cash back on dining and entertainment.
  • Do you travel often?
    The Capital One® VentureOne® Rewards Credit Card is the only no-annual-fee Capital One card that lets you earn unlimited miles on purchases. This is one of the highest travel rewards rates you can earn with a no-annual-fee card.
  • Do you want a student card?
    Capital One offers only one student card, which comes with a flat cash back rate on all purchases. Note that some competitors offer a higher rewards rate for students.
  • Do you want to build credit?
    You can get the Capital One® Platinum Credit Card, an unsecured credit-building card, or the Capital One® Secured Mastercard®, a secured credit-building card.
  • Do you want to earn rewards toward a new GM car?
    Capital One has two GM cobranded cards where you earn a percentage of the money you spend, which you can use toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • Do you want a 0% intro APR period on purchases?
    You’ll get a 0% intro APR period on purchases with three cards: the Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® SavorOne® Cash Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card.

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

Well, yes and no. Capital One offers three cards with an annual fee that have a no-annual-fee counterpart. Here’s a breakdown of how they compare:

Capital One® VentureOne® Rewards Credit Card Capital One® Venture® Rewards Credit Card
Annual fee $0 $95
Miles 1.25x miles on all purchases. 2x miles on all purchases.
Signup bonus 20,000 bonus miles after spending $1,000 in the first 3 months 50,000 bonus miles after spending $3,000 in the first 3 months. Earn an additional 50,000 bonus points after you spend $20,000 in your first 12 months.
Intro APR period 0% intro APR period on purchases for the first 12 months, a variable APR of 15.49% to 25.49% thereafter N/A
Miles earned with a $2,000 monthly spending 30,000 miles annually 48,000 miles annually
Total miles for the first year if you clear the signup bonus 50,000 miles (around $500 value when redeemed for travel) 98,000 miles (around $980 value when redeemed for travel)
Capital One® SavorOne® Cash Rewards Credit Card Capital One® Savor® Cash Rewards Credit Card
Annual fee $0 $0 for the first year, after that, your fee will revert to $95
Cash back 3% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else you buy 4% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else you buy
Signup bonus $200 cash bonus after spending $500 in your first 3 months $300 cash bonus after spending $3,000 in your first 3 months
Intro APR period 0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafter N/A
Cash back earned with monthly spending of
$800 on dining
$800 on groceries
$800 on all other purchases
$576 annually $672 annually
Total cash back for the first year if you clear the signup bonus $726 $972
Capital One® Quicksilver® Cash Rewards Credit Card Capital One® QuicksilverOne® Cash Rewards Credit Card
Annual fee $0 $39
Cash back 1.5% cash back on all purchases 1.5% cash back on all purchases
Signup bonus $200 cash bonus after spending $500 in your first 3 months N/A
Intro APR period 0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafter N/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

As you can see, paying an annual fee for a Capital One card doesn’t necessarily mean you will get a better card. Weigh your options before choosing a card.

Bottom line

Your Capital One no-annual-fee options include cashback cards, credit-building cards and a travel card. If you’re looking to make interest-free balance transfers, the cashback cards are your only option. You can also get a card with an annual fee, but you’ll only get a slight boost in your rewards rate.

If these cards don’t fit your financial needs, compare other credit cards to see your options.

Frequently asked questions

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