No Annual Fee Credit Cards

Find Visa credit cards with no annual fee that offer great benefits and provide you with easy ways to pay.

Card information is provided by third parties. We have not vetted the products for accuracy, completeness or for suitability with respect to your specific needs. Visa may receive compensation from third parties in connection with the offers that appear on this website, and this may impact how and where offers appear on this site. Please be sure to carefully review all card offer Details, as well as the terms and conditions before completing the application process. This site does not include all financial companies or all financial offers that may be available to you.

10 cards

Chase Freedom Unlimited® Visa credit card

Chase Freedom Unlimited®

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Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 15 months
Intro balance transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
18.24% - 27.74% Variable
Annual fee
$0

Benefits section

  • Chase Freedom Unlimited® Rates and Fees
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Chase Freedom Unlimited®

Chase Freedom Unlimited® Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 15 months
Intro balance transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
18.24% - 27.74% Variable
Annual fee
$0

Benefits section

  • Chase Freedom Unlimited® Rates and Fees
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Chase Freedom Unlimited® Visa credit card
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Wells Fargo Reflect® Visa credit card

Wells Fargo Reflect® Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
0% intro APR for 21 months from account opening on purchases
Intro balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Annual fee
$0

Benefits section

  • Wells Fargo Reflect® Card Rates and Fees
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 annual fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Wells Fargo Reflect® Card

Wells Fargo Reflect® Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
0% intro APR for 21 months from account opening on purchases
Intro balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Annual fee
$0

Benefits section

  • Wells Fargo Reflect® Card Rates and Fees
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 annual fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Wells Fargo Reflect® Visa credit card
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Ink Business Unlimited® Visa credit card

Ink Business Unlimited® Credit Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 12 Months
Intro balance transfer APR
N/A
Regular APR
16.74% - 24.74% Variable
Annual fee
$0

Benefits section

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 12 Months
Intro balance transfer APR
N/A
Regular APR
16.74% - 24.74% Variable
Annual fee
$0

Benefits section

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC
Ink Business Unlimited® Visa credit card
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Revenued Business Visa credit card

Revenued Business Card

Apply now
Recommended credit rating
Excellent, Good, Fair, Bad Credit / Rebuilding
Intro purchase APR
None
Intro balance transfer APR
None
Regular APR
Factor Based
Annual fee
None

Benefits section

  • For established businesses: 1+ years in business, $30k/month deposits, and no sole proprietorships
  • Flexible, reusable access to working capital
  • Spending limits that grow with your business revenue
  • Draw only what you need, when you need it
  • Apply in minutes, get funds in as little as 24 hours
  • No origination, maintenance, or draw fees
  • Rated Excellent on Trustpilot with 800+ reviews

Revenued Business Card

Revenued Business Visa credit card
Recommended credit rating
Excellent, Good, Fair, Bad Credit / Rebuilding
Intro purchase APR
None
Intro balance transfer APR
None
Regular APR
Factor Based
Annual fee
None

Benefits section

  • For established businesses: 1+ years in business, $30k/month deposits, and no sole proprietorships
  • Flexible, reusable access to working capital
  • Spending limits that grow with your business revenue
  • Draw only what you need, when you need it
  • Apply in minutes, get funds in as little as 24 hours
  • No origination, maintenance, or draw fees
  • Rated Excellent on Trustpilot with 800+ reviews
Revenued Business Visa credit card
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Wells Fargo Active Cash® Visa credit card

Wells Fargo Active Cash® Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Intro balance transfer APR
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Benefits section

  • Wells Fargo Active Cash® Card Rates and Fees
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Intro balance transfer APR
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Benefits section

  • Wells Fargo Active Cash® Card Rates and Fees
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Wells Fargo Active Cash® Visa credit card
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Ink Business Cash® Visa credit card

Ink Business Cash® Credit Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 12 months
Intro balance transfer APR
N/A
Regular APR
16.74% - 24.74% Variable
Annual fee
$0

Benefits section

  • Ink Business Cash® Credit Card Rates and Fees
  • Earn $750 when you spend $6,000 on purchases in the first three months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Complimentary three-month lnstacart+ membership.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Ink Business Cash® Credit Card

Ink Business Cash® Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
0% Intro APR on Purchases for 12 months
Intro balance transfer APR
N/A
Regular APR
16.74% - 24.74% Variable
Annual fee
$0

Benefits section

  • Ink Business Cash® Credit Card Rates and Fees
  • Earn $750 when you spend $6,000 on purchases in the first three months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Complimentary three-month lnstacart+ membership.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC
Ink Business Cash® Visa credit card
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USAA Preferred Cash Rewards Visa credit card

USAA Preferred Cash Rewards Credit Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
15.40% to 27.40% variable
Annual fee
N/A

Benefits section

  • USAA Preferred Cash Rewards Credit Card Rates and Fees
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
  • Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
  • No annual fee.
  • Cash back rewards never expire.
  • Redeem cash back your way, on your schedule.
  • No foreign transaction fees.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • 15.40% to 27.40% variable regular APR.
  • Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
  • See Rates and Fees for details.

USAA Preferred Cash Rewards Credit Card

USAA Preferred Cash Rewards Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
15.40% to 27.40% variable
Annual fee
N/A

Benefits section

  • USAA Preferred Cash Rewards Credit Card Rates and Fees
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
  • Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
  • No annual fee.
  • Cash back rewards never expire.
  • Redeem cash back your way, on your schedule.
  • No foreign transaction fees.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • 15.40% to 27.40% variable regular APR.
  • Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
  • See Rates and Fees for details.
USAA Preferred Cash Rewards Visa credit card
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USAA Rate Advantage Visa credit card

USAA Rate Advantage Credit Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
None
Intro balance transfer APR
0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR
Regular APR
10.40% to 24.40% variable
Annual fee
N/A

Benefits section

  • USAA Rate Advantage Credit Card Rates and Fees
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
  • No annual fee.
  • No foreign transaction fees.
  • 10.40% to 24.40% variable regular APR.
  • See Rates and Fees for details.

USAA Rate Advantage Credit Card

USAA Rate Advantage Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
None
Intro balance transfer APR
0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR
Regular APR
10.40% to 24.40% variable
Annual fee
N/A

Benefits section

  • USAA Rate Advantage Credit Card Rates and Fees
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
  • No annual fee.
  • No foreign transaction fees.
  • 10.40% to 24.40% variable regular APR.
  • See Rates and Fees for details.
USAA Rate Advantage Visa credit card
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BILL Divvy Corporate Visa credit card

BILL Divvy Corporate Card

Apply now
Recommended credit rating
Excellent, Good
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
$0

Benefits section

  • Streamlines spend management by combining corporate cards with free expense management software.
  • This Smart card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts.
  • Gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds).
  • See every transaction as it happens, bringing all your spend into one place.
  • No cost; stop spending extra for annual fees, expense management software, and vendor overages.
  • Eliminate expense reports, build your business credit, and never go over budget again.

BILL Divvy Corporate Card

BILL Divvy Corporate Visa credit card
Recommended credit rating
Excellent, Good
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
$0

Benefits section

  • Streamlines spend management by combining corporate cards with free expense management software.
  • This Smart card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts.
  • Gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds).
  • See every transaction as it happens, bringing all your spend into one place.
  • No cost; stop spending extra for annual fees, expense management software, and vendor overages.
  • Eliminate expense reports, build your business credit, and never go over budget again.
BILL Divvy Corporate Visa credit card
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opensky® Plus Secured Visa® Credit Card

opensky® Plus Secured Visa® Credit Card

Apply now
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$0

Benefits section

  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!

opensky® Plus Secured Visa® Credit Card

opensky® Plus Secured Visa® Credit Card
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$0

Benefits section

  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
opensky® Plus Secured Visa® Credit Card
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Advertiser Disclosure

Card information is provided by third parties. We have not vetted the products for accuracy, completeness or for suitability with respect to your specific needs. Visa may receive compensation from third parties in connection with the offers that appear on this website, and this may impact how and where offers appear on this site. Please be sure to carefully review all card offer Details, as well as the terms and conditions before completing the application process. This site does not include all financial companies or all financial offers that may be available to you.