YOUR DIGIT · FILED
650
Fair Credit · 10 cards matched
NO ANNUAL FEE DESK · APPROVAL ODDS
Best no annual fee cards for a 650 score.
These no annual fee credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.
TIER
Fair Credit
ODDS
Moderate — many options available including some balance transfer offers
DATELINE
Apr 6, 2026
DOSSIER
What 650 means.
A 650 score sits at the upper end of fair credit. You are approaching the threshold where many issuers start approving mainstream rewards cards. Some balance transfer offers may also be accessible, giving you tools to manage existing debt more efficiently.
SECTION
No Annual Fee for 650+ Scores
ENTRY
01
CHASE · VISA
Chase Freedom Rise1.5% cash back on all purchases
— No annual fee and no credit history required— Flat 1.5% cash back on everything— Automatic credit line reviews after 6 months- FEE
- $0
- APR
- 24.49–31.24%
- MIN SCORE
- 580
ENTRY
02
CAPITAL ONE · MASTERCARD
Capital One Platinum Secured Credit CardNo rewards
— Refundable security deposit starting at $49— No annual fee— Build credit with responsible use- FEE
- $0
- APR
- 30.74–30.74%
- MIN SCORE
- 300
ENTRY
03
CAPITAL ONE · VISA
Capital One Quicksilver Student Cash RewardsBONUS → $50 bonus ($50)
1.5% cash back on all purchases
— 1.5% cash back on every purchase— No annual fee— Earn $25 late payment forgiveness- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 580
ENTRY
04
DISCOVER · DISCOVER
Discover it Student Cash BackBONUS → $20 Good Grades bonus each year GPA is 3.0+ ($20/year + Cashback Match)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— Cashback Match doubles all cash back in the first year— $20 statement credit each school year for GPA of 3.0 or higher- FEE
- $0
- APR
- 17.24–26.24%
- MIN SCORE
- 580
ENTRY
05
DISCOVER · DISCOVER
Discover it Secured Credit CardBONUS → Cashback Match (all cash back earned matched at end of first year) ($50+)
1% cash back on all purchases
— Earns cash back even as a secured card— Cashback Match doubles all cash back in the first year— No annual fee- FEE
- $0
- APR
- 28.24–28.24%
- MIN SCORE
- 300
ENTRY
06
DISCOVER · DISCOVER
Discover it Student ChromeBONUS → $20 Good Grades bonus each year GPA is 3.0+ ($20/year + Cashback Match)
1% cash back on all purchases
— 2% back at gas stations and restaurants— Cashback Match doubles all cash back in the first year— $20 statement credit each school year for GPA of 3.0 or higher- FEE
- $0
- APR
- 17.24–26.24%
- MIN SCORE
- 580
ENTRY
07
BANK OF AMERICA · VISA
Bank of America Customized Cash Rewards for StudentsBONUS → $200 bonus ($200)
1% cash back on all purchases
— 3% back in the category of your choice— 2% back at grocery stores and wholesale clubs— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 580
ENTRY
08
BANK OF AMERICA · VISA
Bank of America Unlimited Cash Rewards for StudentsBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on every purchase— No annual fee— Designed for students building credit- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 580
ENTRY
09
CHASE · VISA
Chase Freedom Student Credit CardBONUS → $50 bonus after first purchase ($50)
1% cash back on all purchases
— No annual fee and no minimum credit history— 1% cash back on every purchase— $20 Good Standing reward each anniversary for first 5 years- FEE
- $0
- APR
- 22.49–29.24%
- MIN SCORE
- 580
ENTRY
10
CITI · MASTERCARD
Citi Secured MastercardNo rewards
— Build credit with a refundable $200 minimum security deposit— No annual fee— Reports to all three credit bureaus monthly- FEE
- $0
- APR
- 25.74–25.74%
- MIN SCORE
- 300
QUESTIONS · ANSWERS
Frequently filed.
With a 650 credit score (Fair Credit), you have 10 no annual fee card options. Our top pick is the Chase Freedom Rise, which offers 1.5% cash back on all purchases.