YOUR DIGIT · FILED
700
Very Good Credit · 56 cards matched
NO ANNUAL FEE DESK · APPROVAL ODDS
Best no annual fee cards for a 700 score.
These no annual fee credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.
TIER
Very Good Credit
ODDS
Very good — eligible for most cards including premium travel and high-limit options
DATELINE
Apr 6, 2026
DOSSIER
What 700 means.
A 700 score puts you in the very good credit range. This is a significant milestone — you now qualify for the majority of credit cards on the market, including premium travel cards, high-limit rewards cards, and the best balance transfer offers with the longest 0% APR periods.
SECTION
No Annual Fee for 700+ Scores
ENTRY
01
CHASE · VISA
Chase Freedom UnlimitedBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back with no caps or category restrictions— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.49–29.24%
- MIN SCORE
- 670
ENTRY
02
CHASE · MASTERCARD
Chase Freedom FlexBONUS → $200 bonus ($200)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.49–29.24%
- MIN SCORE
- 670
ENTRY
03
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
04
CHASE · VISA
Ink Business Cash Credit CardBONUS → $350 bonus ($350)
1% cash back on all purchases
— No annual fee— 5% back on office supplies, internet, cable, and phone— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
05
CHASE · VISA
Ink Business Unlimited Credit CardBONUS → $500 bonus ($500)
1.5% cash back on all purchases
— Flat 1.5% cash back with no limits— No annual fee— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
06
CHASE · VISA
Marriott Bonvoy Bold Credit CardBONUS → 30,000 points ($240)
1x points on all purchases
— No annual fee with Marriott Bonvoy earning— Automatic Silver Elite status— 15 elite night credits each year- FEE
- $0
- APR
- 21.49–28.49%
- MIN SCORE
- 670
ENTRY
07
AMERICAN EXPRESS · AMERICAN EXPRESS
Blue Cash Everyday Card from American ExpressBONUS → $200 statement credit ($200)
1% cash back on all purchases
— No annual fee— 3% back at US supermarkets, online retail, and gas stations— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.99%
- MIN SCORE
- 670
ENTRY
08
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Cash Magnet CardBONUS → $200 statement credit ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on all purchases with no cap— No annual fee— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.99%
- MIN SCORE
- 670
ENTRY
09
AMERICAN EXPRESS · AMERICAN EXPRESS
Amex EveryDay Credit CardBONUS → 10,000 points ($100)
1x points on all purchases
— No annual fee with Membership Rewards earning— 20% bonus points when you make 20+ purchases per billing period— 2x at US supermarkets- FEE
- $0
- APR
- 18.24–29.24%
- MIN SCORE
- 670
ENTRY
10
CAPITAL ONE · VISA
Capital One VentureOne Rewards Credit CardBONUS → 20,000 miles ($200)
1.25x miles on all purchases
— No annual fee travel card— 1.25x miles on every purchase— 0% intro APR for 15 months on purchases- FEE
- $0
- APR
- 19.24–27.24%
- MIN SCORE
- 670
ENTRY
11
CAPITAL ONE · VISA
Capital One SavorOne Cash Rewards Credit CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— No annual fee with 3% on dining, entertainment, and groceries— 0% intro APR for 15 months— 5% cash back through Capital One Travel- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 670
ENTRY
12
CAPITAL ONE · VISA
Capital One Quicksilver Cash Rewards Credit CardBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on everything— No annual fee— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 670
ENTRY
13
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
14
CITI · MASTERCARD
Citi Double Cash Card2% cash back (1% on purchase, 1% on payment)
— Flat 2% cash back on everything — no categories to track— 0% intro APR on balance transfers for 18 months— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
15
CITI · MASTERCARD
Citi Custom Cash CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— Automatic 5% back on your top spending category each billing cycle— No annual fee— 0% intro APR for 15 months on purchases and balance transfers- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
16
CITI · MASTERCARD
Citi Rewards+ Card1x ThankYou points on all purchases
— Points round up to nearest 10 on every purchase— 10% points rebate for first 100,000 points redeemed per year— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
17
CITI · MASTERCARD
Citi Diamond Preferred CardNo rewards
— 0% intro APR on balance transfers for 21 months (industry-leading)— 0% intro APR on purchases for 12 months— No annual fee- FEE
- $0
- APR
- 18.24–28.99%
- MIN SCORE
- 670
ENTRY
18
CITI · VISA
Costco Anywhere Visa Card by Citi1% cash back on all purchases
— 4% back on gas including EV charging (up to $7,000/year)— 3% back on restaurants and travel— 2% back at Costco worldwide- FEE
- $0
- APR
- 20.49–20.49%
- MIN SCORE
- 700
ENTRY
19
DISCOVER · DISCOVER
Discover it Cash BackBONUS → Cashback Match (all cash back earned matched at end of first year) ($150+)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— Cashback Match doubles all cash back at end of first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
20
DISCOVER · DISCOVER
Discover it ChromeBONUS → Cashback Match (all cash back earned matched at end of first year) ($100+)
1% cash back on all purchases
— 2% back at gas stations and restaurants (up to $1,000/quarter)— Cashback Match doubles all cash back in the first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
21
DISCOVER · DISCOVER
Discover it MilesBONUS → Miles Match (all miles earned matched at end of first year) ($200+)
1.5x miles on all purchases
— Flat 1.5x miles on every purchase— Miles Match doubles all miles at end of first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
22
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
23
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
24
BANK OF AMERICA · VISA
Bank of America Customized Cash Rewards Credit CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— 3% back in the category of your choice (change anytime)— 2% back at grocery stores and wholesale clubs— 0% intro APR for 15 billing cycles- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
25
BANK OF AMERICA · VISA
Bank of America Unlimited Cash Rewards Credit CardBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on every purchase— 0% intro APR for 15 billing cycles— Preferred Rewards members earn 25-75% more cash back- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
26
BANK OF AMERICA · VISA
Bank of America Travel Rewards Credit CardBONUS → 25,000 points ($250)
1.5 points per dollar on all purchases
— 1.5 points per dollar on every purchase— No annual fee— 0% intro APR for 15 billing cycles- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
27
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
28
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
29
WELLS FARGO · VISA
Wells Fargo Active Cash CardBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on all purchases — no categories to track— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
30
WELLS FARGO · VISA
Wells Fargo Autograph CardBONUS → 20,000 points ($200)
1x points on all purchases
— 3x points on restaurants, travel, gas, transit, streaming, and phone plans— No annual fee— Cell phone protection up to $600- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
31
WELLS FARGO · VISA
Wells Fargo Reflect CardNo rewards
— 0% intro APR for 21 months on purchases and balance transfers— No annual fee— Cell phone protection up to $600- FEE
- $0
- APR
- 18.24–29.99%
- MIN SCORE
- 670
ENTRY
32
WELLS FARGO · VISA
Wells Fargo Attune CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— 4% back on groceries, subscriptions, utilities, and gas— No annual fee— Cell phone protection up to $600- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
33
U.S. BANK · VISA
U.S. Bank Altitude Go Visa Signature CardBONUS → 25,000 points ($250)
1x points on all purchases
— 4x points on dining including takeout and delivery— No annual fee— 0% intro APR on purchases for 15 billing cycles- FEE
- $0
- APR
- 18.74–29.74%
- MIN SCORE
- 670
ENTRY
34
U.S. BANK · VISA
U.S. Bank Cash+ Visa Signature CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— Choose your own 5% categories (utilities, TV/internet, cell phone, gyms, and more)— Choose one 2% everyday category— No annual fee- FEE
- $0
- APR
- 18.74–29.74%
- MIN SCORE
- 670
ENTRY
35
U.S. BANK · VISA
U.S. Bank Visa Platinum CardNo rewards
— 0% intro APR on balance transfers for 20 billing cycles— 0% intro APR on purchases for 18 billing cycles— No annual fee- FEE
- $0
- APR
- 18.74–29.74%
- MIN SCORE
- 670
ENTRY
36
APPLE / GOLDMAN SACHS · MASTERCARD
Apple Card1% cash back on physical card purchases
— Daily Cash paid daily to Apple Cash or Savings account— 3% back at Apple and select merchants— 2% back on all Apple Pay purchases- FEE
- $0
- APR
- 19.24–29.49%
- MIN SCORE
- 670
ENTRY
37
ALLIANT CREDIT UNION · VISA
Alliant Cashback Visa Signature Card2.5% cash back on all purchases (up to $10K/month)
— Industry-leading 2.5% flat cash back (with qualifying Alliant account)— No annual fee— Visa Signature benefits and perks- FEE
- $0
- APR
- 17.24–27.24%
- MIN SCORE
- 700
ENTRY
38
PENFED · VISA
PenFed Power Cash Rewards Visa Signature CardBONUS → $100 bonus ($100)
2% cash back on all purchases
— Flat 2% cash back on everything— No annual fee— Low fixed APR of 17.99%- FEE
- $0
- APR
- 17.99–17.99%
- MIN SCORE
- 670
ENTRY
39
PENFED · VISA
PenFed Gold Visa CardNo rewards
— 0% intro APR on balance transfers for 12 months— No annual fee— No balance transfer fee- FEE
- $0
- APR
- 17.99–17.99%
- MIN SCORE
- 670
ENTRY
40
NAVY FEDERAL · AMERICAN EXPRESS
Navy Federal More Rewards American Express Card1x points on all purchases
— 3x on restaurants, gas, and transit— 2x at supermarkets— Very low APR (12.24-18.00%)- FEE
- $0
- APR
- 12.24–18%
- MIN SCORE
- 670
ENTRY
41
USAA · AMERICAN EXPRESS
USAA Cashback Rewards Plus American Express Card1% cash back on all purchases
— 5% cash back on first $5,000 in purchases each year, then 1%— No annual fee— Military-focused benefits and customer service- FEE
- $0
- APR
- 16.15–29.4%
- MIN SCORE
- 670
ENTRY
42
USAA · VISA
USAA Preferred Cash Rewards Visa Signature Card1% cash back on all purchases
— 2% back on gas and groceries at US locations— No annual fee— Low APR options available for military members- FEE
- $0
- APR
- 14.65–29.4%
- MIN SCORE
- 670
ENTRY
43
BREAD FINANCIAL · AMERICAN EXPRESS
Bread Cashback American Express CardBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on every purchase with no limits— No annual fee— Cash back earned as statement credits- FEE
- $0
- APR
- 20.24–29.24%
- MIN SCORE
- 670
ENTRY
44
PAYPAL / SYNCHRONY · MASTERCARD
PayPal Cashback Mastercard2% cash back on all purchases
— Flat 2% cash back everywhere, 3% through PayPal— No annual fee— Cash back deposited directly into PayPal account- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
45
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express CardBONUS → 70,000 Hilton points ($350)
3x points on all purchases
— No annual fee with Hilton Honors earning— Automatic Hilton Silver status— 5x at US restaurants, supermarkets, and gas stations- FEE
- $0
- APR
- 22.49–29.49%
- MIN SCORE
- 670
ENTRY
46
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
47
CITI · MASTERCARD
Citi Simplicity CardNo rewards
— 0% intro APR on balance transfers for 21 months— No late fees ever— No penalty APR- FEE
- $0
- APR
- 18.24–28.99%
- MIN SCORE
- 670
ENTRY
48
WELLS FARGO · MASTERCARD
Bilt Mastercard1x points on all purchases
— Only card that earns points on rent with no fees— Transfer points to airline and hotel partners (Hyatt, AA, United, etc.)— 3x on dining, 2x on travel- FEE
- $0
- APR
- 21.24–29.99%
- MIN SCORE
- 670
ENTRY
49
BARCLAYS · MASTERCARD
AAdvantage Aviator Silver World Elite Mastercard1x AAdvantage miles on all purchases
— No annual fee AA earning card— First checked bag at 25% discount— Preferred boarding on AA flights- FEE
- $0
- APR
- 21.24–29.24%
- MIN SCORE
- 670
ENTRY
50
BARCLAYS · MASTERCARD
Barclays View MastercardNo rewards
— 0% intro APR for 15 months on purchases and balance transfers— No annual fee— Free FICO score access- FEE
- $0
- APR
- 21.24–29.24%
- MIN SCORE
- 670
ENTRY
51
AMERICAN EXPRESS · AMERICAN EXPRESS
The Blue Business Plus Credit Card from American ExpressBONUS → 15,000 points ($150)
1x Membership Rewards points on all purchases
— 2x Membership Rewards on first $50,000 in purchases each year— No annual fee— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–26.49%
- MIN SCORE
- 670
ENTRY
52
CAPITAL ONE · VISA
Capital One Spark 1.5% Cash SelectBONUS → $500 bonus ($500)
1.5% cash back on all purchases
— 1.5% cash back on every business purchase— No annual fee— 5% cash back through Capital One Travel- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
53
CHASE · VISA
United Gateway CardBONUS → 20,000 miles ($260)
1x miles on all purchases
— No annual fee United earning card— 2x miles on United, dining, and hotels— 25% back on United in-flight purchases- FEE
- $0
- APR
- 21.49–28.49%
- MIN SCORE
- 670
ENTRY
54
DISCOVER · DISCOVER
Discover it Business CardBONUS → Cashback Match (all cash back earned matched at end of first year) ($100+)
1% cash back on all purchases
— Cashback Match doubles all cash back in the first year— 1.5% on gas, restaurants, and office supplies— No annual fee- FEE
- $0
- APR
- 17.24–25.24%
- MIN SCORE
- 670
ENTRY
55
U.S. BANK · VISA
U.S. Bank Business Triple Cash Rewards VisaBONUS → $500 bonus ($500)
1% cash back on all purchases
— 3% on gas, office supplies, cell phone, and restaurants— 5% on travel booked through Rewards Center— No annual fee- FEE
- $0
- APR
- 18.74–27.74%
- MIN SCORE
- 670
ENTRY
56
FIRST NATIONAL BANK OF OMAHA · VISA
FNBO Evergreen VisaBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on every purchase with no limits— 0% intro APR for 15 months— No annual fee- FEE
- $0
- APR
- 16.24–26.24%
- MIN SCORE
- 670
QUESTIONS · ANSWERS
Frequently filed.
With a 700 credit score (Very Good Credit), you have 56 no annual fee card options. Our top pick is the Chase Freedom Unlimited, which offers 1.5% cash back on all purchases.