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.

Our pick for a no-annual-fee Capital One card

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 15.74%-25.74% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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See Rates & Fees

Compare Capital One credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
$0
13.74%, 19.74% or 23.74% variable
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
$0
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
$0
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn $150 after spending $500 in the first 3 months.
$0
26.99% variable
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
$0
26.99% variable
26.99% 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 and 10x miles at hotels.com/venture bookings until January 31, 2020. 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 balance transfers?
    You can enjoy a long intro APR period on balance transfers with two cashback credit cards: Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® SavorOne® Cash Rewards Credit Card.
  • 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 CardCapital One® Venture® Rewards Credit Card
Annual fee$0$0 for the first year, after that, your fee will revert to $95
Miles1.25x miles on all purchases, and 10x miles at hotels.com /venture until January 20202x miles on all purchases, and 10x miles at hotels.com /venture until January 2020
Signup bonus20,000 bonus miles after spending $1,000 in the first 3 months 50,000 bonus miles after spending $3,000 in the first 3 months
Intro APR period0% intro APR period on purchases for the first 12 months, a variable APR of 13.74% to 23.74% thereafterN/A
Capital One® SavorOne® Cash Rewards Credit CardCapital One® Savor® Cash Rewards Credit Card
Annual fee$0$0 for the first year, after that, your fee will revert to $95
Cash back3% cash back on dining and entertainment, 2% 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$150 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 15.74% to 25.74% thereafterN/A
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$150 cash bonus after spending $500 in your first 3 months N/A
Intro APR period0% intro APR period on purchases for the first 15 months, a variable APR of 15.74% to 25.74% thereafterN/A

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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