No Annual Fee Cards
Best No Annual Fee Credit Cards of November 2024
The financial landscape is ever-evolving, and you must keep up with the changes to remain on top of any challenges you may face. This is especially true for credit cards. Among the myriad options, no annual fee credit cards stand out for consumers seeking maximum rewards without paying additional costs. Moreover, these cards are incredibly versatile, catering to individuals interested in building their credit or managing everyday expenses.
Due to the popularity of these cards, we have compiled a list of the best no annual fee credit cards of 2024. We understand how challenging it is to find a card that suits your financial needs as well as lifestyle. That’s why we’ve written this in-depth guide to help you decide. We’ve reviewed the primary features of these cards, such as cash reward bonuses and introductory offers. Please note that these reviews are based on our own opinions.
So, take a look at the top no annual fee credit cards 2024. We hope when you are done reading the guide, you will arrive at a decision.
Our Top Recommendations Based on Your Preferences
Best No Annual Fee Credit Cards of July 2024
Wells Fargo Active Cash® Card
Our Rating:
4.1
Rewards Rate
2%
Earn unlimited 2% cash rewards on purchases
Intro offer
$200 cash rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn unlimited 2% cash rewards on purchases.
- No annual fee.
- Introductory APR on purchases and qualifying balance transfers.
- Cell phone protection when you pay your monthly bill with the card.
- Access to Wells Fargo Deals for additional cash-back opportunities.
Blue Cash Everyday® Card from American Express
Our Rating:
4.8
Rewards Rate
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
Intro offer
Earn $200
Annual fee
$0
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 3% cash back at U.S. gas stations.
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%).
- 1% cash back on other purchases.
- No annual fee.
Capital One SavorOne Cash Rewards Credit Card
Our Rating:
4.9
Rewards Rate
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
Intro offer
$200
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
- 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target).
- 1% cash back on all other purchases.
- No annual fee.
- Introductory APR on purchases and balance transfers.
- No foreign transaction fees.
Citi Custom Cash® Card
Our Rating:
4.5
Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
4%
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
$200
Annual fee
$0
Regular APR
19.24% - 29.24% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn 5% cash back on your top eligible spend category each billing cycle (up to $500 spent, then 1%).
- 1% cash back on all other purchases.
- No annual fee.
- Introductory APR on purchases and balance transfers.
- Contactless payment capability.
Discover it® Cash Back
Our Rating:
4.6
Rewards Rate
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro offer
Cashback Match
Annual fee
$0
Regular APR
18.24% - 28.24% variable
at Discover's secure site
Recommended credit
670-850 (Good to Excellent)
- 5% cash back on rotating categories each quarter (activation required on up to $1,500 in purchases, then 1%).
- 1% cash back on all other purchases.
- No annual fee.
- Cashback Match: Discover matches all the cash back you’ve earned at the end of your first year.
- Free Social Security number alerts and other security features.
Capital One VentureOne Rewards Credit Card
Our Rating:
4.1
Rewards Rate
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles
1.25 Miles per dollar on every purchase, every day
Intro offer
20,000 miles
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn 1.25 miles per dollar on every purchase.
- No annual fee.
- Introductory APR on purchases and balance transfers.
- No foreign transaction fees.
- Travel accident insurance and 24-hour travel assistance services.
Capital One Quicksilver Cash Rewards Credit Card
Our Rating:
3.7
Rewards Rate
5t%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn unlimited 1.5% cash back on every purchase.
- No annual fee.
- Introductory APR on purchases and balance transfers.
- No foreign transaction fees.
- Access to Capital One offers for additional savings and discounts.
Bank of America® Customized Cash Rewards Credit Card
Our Rating:
4.4
Rewards Rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
Intro offer
$200
Annual fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
670-850 (Good to Excellent)
- 3% cash back in a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings).
- 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1%).
- 1% cash back on all other purchases.
- No annual fee.
- Introductory APR on purchases and balance transfers.
Bilt Mastercard®
Our Rating:
4.0
Rewards Rate
3X Points
3x points on dining
2X Points
2x points on travel
1X Points
1x points on other purchases
1X Points
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.
Intro offer
No current offer
Annual fee
None
Regular APR
See Terms
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn points on rent payments without a fee (up to 50,000 points per year).
- Earn 3 points per dollar on dining.
- Earn 2 points per dollar on travel.
- Earn 1 point per dollar on other purchases.
- No annual fee.
Best No Annual Fee Credit Cards - FAQs
No annual fee credit cards offer many advantages, the chief one being the lack of recurring costs of an annual fee. Apart from this, these cards come with additional advantages, including cash back or travel rewards. These cards are also excellent for building as well as maintaining good credit.
If you’re looking for a budget-friendly credit card, no annual fees credit cards are the best option. While cards with annual fees might offer more lucrative rewards and premium perks, no annual fee cards still provide competitive benefits for various spending habits.
When selecting a no annual fee credit card, consider the rewards structure and look for a card that offers rewards aligned with your spending habits. Assess introductory offers like APR or sign-up bonuses for immediate value. Evaluate the card’s long-term benefits, such as reward rates and protection features, and ensure your credit score meets the approval criteria.
Our Methodology And Research
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.