Paying a higher annual fee on a credit card is good if you are getting substantial rewards in return. But spending wisely on the credit cards to improve your financial situation is good. Many individuals want to shrink their overall spending and one clear way is to get an annual fee credit card. The best no annual fee credit cards of 2024 will help you save a huge chunk of money while benefiting from the credit card earnings for extra perks.
The no-annual-fee credit cards are a viable way to stay ahead regardless of your spending. As you don’t have to pay an annual fee you can easily keep the credit card for a long duration of time which potentially increases the average age of your accounts and impacts your credit score in a positive way.
Table of Contents
Quick Overview – Best No Annual Fee Credit Cards of 2024
- Wells Fargo Active Cash® Card – Best flat rate cashback credit card
- Capital One Venture One Rewards Credit Card – Great card for travel transfer partners
- Discover it® Cashback – Great card for flexible spenders
- Capital One SavorOne Cash Rewards Credit Card – Best card for dining and entertainment purchases
- Wells Fargo Autograph℠ Card – Best for bonus category rewards
- Chase Freedom℠ Flex – Best Card for Everyday rewards
- Bank of America® Customized Cash Rewards Credit Card- Great card for Bank of America rewards
- Citi Double Cash Card – Great card for flat cash back rewards
- Amex Everyday® Credit Card – Best card for Amex benefits
- U.S Bank Altitude® Go Visa Signature® Card – Great card for dining rewards
Charting the Best No Annual Fee Credit Cards of 2024
| Card | Annual Fee | Foreign Transaction Fee | Regular APR | Best For |
| Wells Fargo Active Cash® Card | $0 | 0% | 17.49% – 29.49% Variable | Flat-rate cash back |
| Capital One Venture One Rewards Credit Card | $0 | 0% | 18.99% – 24.99% Variable | Travel transfer partners |
| Discover it® Cashback | $0 | 0% | 17.99% – 25.99% Variable | Flexible spenders |
| Capital One SavorOne Cash Rewards Credit Card | $0 | 3% | 21.99% – 29.99% Variable | Dining and entertainment purchases |
| Wells Fargo Autograph℠ Card | $0 | 3% | 17.49% – 29.49% Variable | Bonus category rewards |
| Chase Freedom℠ Flex | $0 | 3% | 17.99% – 25.99% Variable | Everyday rewards |
| Bank of America® Customized Cash Rewards Credit Card | $0 | 3% | 17.99% – 28.99% Variable | Bank of America rewards |
| Citi Double Cash Card | $0 | 3% | 18.99% – 26.99% Variable | Flat cash back rewards |
| Amex Everyday® Credit Card | $0 | 2.70% | 17.99% – 24.99% Variable | Amex benefits |
| U.S. Bank Altitude® Go Visa Signature® Card | $0 | 2% | 17.49% – 28.49% Variable | Dining rewards |
1. Wells Fargo Active Cash® Card
Annual Fee: $0
Reward Rates: Earn 2% unlimited rewards on all the purchases
Welcome Bonus: $200 cash rewards
Why we choose it?
This card is a must-have thing in the wallet as it can earn you unlimited 2% cashback on all purchases. Among the solid lineup of Well Fargo card , this card offers 0% introductory APR on purchases and qualifying balance transfer for a long period of time. Being in the list of the best no annual fee credit cards of 2024 , the rewards can be easily redeemed through the Wells Fargo Rewards Program.
Highlights for the #1 card among the best no annual fee credit cards of 2024
- Get up to $200 cash rewards bonus after spending a total amount of $500 in purchases for the first 3 months
- Earn unlimited 2% cashback on all the purchases you make
- Being the best no annual fee credit cards, it also offers 0% introductory APR offer on balance transfer and purchases for 15 months and then a variable Apr ranging between 20.24%-29.99% is applicable.
- You have no bonus category to keep tabs on and cash rewards don’t expire until your account is functional
- With this card you can enjoy premium collection at the world’s most beautiful and prestigious hotel properties with Visa Signature Concierge
- Being in the list of best no annual fee credit cards of 2024 does not mean it offers no rewards but surprisingly it provides $600 cell phone protection in case of damage and theft. The eligibility criteria is that you should pay the cellphone bill every month through this card
| Pros | Cons |
| No annual and foreign transaction fee | Charges balance transfer fee |
| Provides cell phone protection | No travel transfer partners |
| Plentiful reward point categories |
Best Credit Cards for Online Shopping for 2024
The flat rate cashbacks are good for online shopping. If you are a shopping freak, you can check the best credit cards for shopping. The best cards will provide flat-rate cashback on purchases through multiple online stores.
2. Capital One Venture One Rewards Credit Card
Annual Fee: $0
Reward Rates: Earn up to 5x miles on hotels and rental cars that are booked through Capital One Travel
Welcome Bonus: 20,000 bonus miles
Why we choose it?
This one is a rare no-annual-fee credit card that allows the points to be transferred to the partners. Instead of complicating things for the consumers, it keeps the redemption and reward points simple for the user. Capital One Venture One Rewards Credit Card can help you earn flat rate rewards along with extra points for booking travel through Capital One travel portal.
Highlights for the #2 card among the best no annual fee credit cards of 2024
- As a welcome bonus this card can earn you 20,000 miles after you spend $500 on purchases with in the first 3 months of account opening
- Being one of the great options among the best no annual fee credit cards of 2024, it can earn you unlimited 1.25 x miles on every purchase
- There is no certain limit on the miles you can earn and they won’t expire until the account is opened
- Capital One Venture One Rewards Credit Card lets you transfer miles to 15+ travel loyalty program
- Enjoy 0% introductory APR for 15 months on purchases and balance transfers
- Earn 5x miles on rental cars and hotels that are booked through Capital One Travel where you can save huge chunks of money
- Use miles to get reimbursed for travel-related purchases or redeem by booking the trip through Capital One Travel
| Pros | Cons |
| Charges No annual and foreign transaction fee | Requires good to excellent credit score |
| Flexible reward redemption program | Welcome bonus is average |
| Charges no plenty APR |
3. Discover it® Cashback
Annual Fee: $0
Reward Rates: Earn up to 5% cash back on everyday purchases in each quarter
Welcome Bonus: Cashback match
Why we choose it?
If you are looking for a versatile card then , Discover it® Cashback is the one that will fit well with your needs. The plus point of the card is that with no annual fee it offers great cashback on rotating categories at a reasonable APR. As a solid option among the best no annual fee credit cards of 2024, it provides free access to FICO scores and alerts if your Social Security number appears on risky sites.
Highlights for the #3 card among the best no annual fee credit cards of 2024
- Being on the list of the best no annual fee credit cards of 2024, it provides unlimited cashback match. At the end of the first year , Discover will automatically match all the cashback you have earned. Also , there is no particular spending limit to gain rewards
- In each quarter , you can earn 5% cashback on different places like gas stations, restaurants , grocery stores and Amazon.com
- Earn unlimited 1% cash back on all the other purchases
- Discover will provide you the ultimate security by safeguarding your data against the malicious sites that could sell your data. This service is free to activate through your mobile application
- Get 0% introductory APR on purchases for the duration of 15 months and then variable APR of 17.24 %-28.24% is applicable
| Pros | Cons |
| Cashback on particular categories that rotate each quarter | Spending caps for bonus categories |
| Great cashback match at the end of the first year | Low reward rate on regular purchases |
| Offers introductory APR period |
Best Cashback Credit Cards for 2024
Irrespective to your spending habits, there are multiple cashback credit cards that are prefect for you. With so many credit card options in the market it is difficult to decide one . This blog entails a detailed listing of cards with details for your ease. Grab one of the best cashback credit cards and leverage it in the possible ways.
4. Capital One SavorOne Cash Rewards Credit Card
Annual Fee: $0
Reward Rates: Earn up to 10% cashback on Uber Eats and Rides along with complimentary Uber membership
Welcome Bonus: $200
Why we choose it?
This is a beginner credit card with solid reward structure and no annual fee. This card is particularly geared towards individuals who spend on dining, entertainment and groceries. As they are high value categories so you can get greater bonus on them. Moreover being in the list of the best no annual fee credit cards of 2024, you can earn enhanced rewards without complicated redemption options for the ease of users.
Highlights for the #4 card among the best no annual fee credit cards of 2024
- With this card you can earn $200 cash bonus after you spend at least $500 on purchases in first 90 days of account opening.
- With one of the best no annual fee credit cards of 2024, you earn unlimited 3% cashback on grocery stores , dining, and entertainment purchases
- Get access to Uber One Membership statement credit along with 10% cashback on Uber Ears and rides
- Earn 8% cashback on all the Capital One Entertainment purchases
- Earn cashback of 5% on hotels and car rentals that are booked through Capital One Travel , where you get the best prices for the trip
- Being in the list of the best no annual fee credit cards of 2024 there is no rotating categories to keep tabs on and there is no limit on the amount of cashback you can earn
- Offers 0% Introductory APR for a period of 15 months and then variable APR ranging from 19.99%-29.999% is applicable
| Pros | Cons |
| Offers unlimited cashback bonus | Relatively small sign-up bonus |
| Wide range of bonus categories | Low cashback on non-bonus categories |
| Offers introductory APR period and charges no foreign fee |
Best U.S credit Cards for Entertainment Purchases
Whether you are a movie buff or a sports fanatic, there are multiple credit cards that offer rewards on entertainment purchases. Unlock the world of entertainment with specific credit cards for entertainment purchases for greater signup bonuses and other perks.
5. Wells Fargo Autograph℠ Card
Annual Fee: $0
Reward Rates: Earn 3x points on restaurants , transit, dining, travel, streaming services, gas stations
Welcome Bonus: 30,000 bonus points
Why we choose it?
This card offers great value and it’s hard to believe that it’s a no annual-free credit card. With this card you can earn 3 points on each dollar you spend on a wide swath of categories that include restaurants, travel, gas stations and much more. Being in the list of the best no annual fee credit cards of 2024, it is a powerhouse to serve the unique demands of a large user base.
Highlights for the #5 card among the best no annual fee credit cards of 2024
- As a sign up bonus this card can help you earn 30,000 bonus points after you spend a total of $1,5000 in purchases for the first 3 months. The redemption value is almost $300 in the form of dollars
- If you prefer a credit card with no annual fee for restaurants and travel , then this card in the list of best no annual fee credit cards of 2024 can earn you unlimited 3x points on travel , restaurants , streaming services , transit and gas stations.
- This card offers 0% introductory APR on purchases and balance transfer for 12 months and then variable APR of 20.24-29.99% is applicable
- With one of the best no annual fee credit cards of 2024, you get $600 as cellphone protection , only if you pay monthly cellphone bills through this card
- Enjoy premium collection of benefits with the choice to select the prestigious hotel properties with Visa Signature Concierge.
| Pros | Cons |
| Charges no foreign transaction fee | High balance transfer fee |
| Great reward point categories | No travel transfer partners |
| Cellphone protection benefit |
6. Chase Freedom℠ Flex
Annual Fee: $0
Reward Rates: Earn 5% cashback on rotating categories with a spending limit of $1500
Welcome Bonus:$200 along with 5% cashback on groceries and gas stations
Why we choose it?
This one is the multiple bonus reward card with no annual fee charges. The card is perfect for optimizers who don’t put much attention towards tracking the reward structure. So if you are the one seeking for a no-fuss cashback credit card that requires minimal maintenance, then this card deserves a special place in your wallet.
Highlights for the #6 card among the best no annual fee credit cards of 2024
- With this card you get lucrative sign up bonus of $200 with minimal purchasing limit of $500 in the first 90 days of account opening. Additionally, you can earn 5% cashback on combined purchases on grocery stores and gas stations with a spending limit of $1200 in the first year.
- Earn 5% cash back on rotating quarterly categories with a spending cap of $15000
- Get 5% on travel purchased through the Chase Ultimate Rewards®
- Earn 3% cashback on dining and drug store purchases
- Earn unlimited 1% cashback on all other purchases
- Being in the list of best no annual fee credit cards of 2024, it also provides purchase and travel insurance coverage
| Pros | Cons |
| Rotating quarterly categories with huge cashback of 5% | Travel booking must be done through the Chase Ultimate Rewards® |
| Generous reward rate in various spending categories | No travel transfer partners |
| Travel reward rates are more or less equal to the premium cards |
7. Bank of America® Customized Cash Rewards Credit Card
Annual Fee: $0
Reward Rates: Earn 3% cashback on the category of your choice
Welcome Bonus: $200
Why we choose it?
This card is considered good for moderate spenders who want to earn solid rewards. The card holds more value for preferred rewards clients, you get 25-75% more value in the form of earnings. This card is appealing option for all those who are only interest in cashback rewards. Moreover , being in the list of best no annual fee credit cards of 2024, it offers easy point redemption system along with luxurious travel rewards.
Highlights for the #7 card among the best no annual fee credit cards of 2024
- With this card you get $200 cash bonus reward after you spend at least $1,000 on purchases in the first 3 months of account opening
- Being in the list of the best no annual fee credit cards of 2024 it can earn you 3% cashback on the category of your own choice with a spending limit of $2,500 in each quarter
- Earn 2% cashback on grocery stores and wholesale clubs on combined quarterly purchases of up to $2,500
- Get unlimited 1% cash back on all the other purchases
- The newly expanded categories are added to the list as per the customer feedback. For instance Online Shopping, Electric Vehicle Charging are newly added to the list
- If you are a Preferred Reward Member, you can earn 25%-75% more cashback on every purchase
- Being one of the strong contender in the list of best no annual fee credit cards of 2024, it offers 0% introductory APR on purchases and balance transfers for 15 billing cycle . Afterwards variable APR of 18.24%-28.24% is applicable
- This is a contactless card with a security chip and works well with convenience of a tap
| Pros | Cons |
| Holds 25-75% more value for Bank of America Clients | High balance transfer fee |
| Moderate reward earning potential | Charges foreign transaction fee |
| Offers the option to change 3% cashback bonus category |
8. Citi Double Cash Card
Annual Fee: $0
Reward Rates: Earn 2% cash back on all the purchases
Welcome Bonus: Not applicable
Why we choose it?
This card offers flat 2% cashback on all purchases – 1% cash back when purchases are made and another 1% when they are paid off. If you make minimum payments on time then this card is a favorable option for you. Being one of the great options in the list of best no annual fee credit cards of 2024, the earning structure for rewards is efficient.
Highlights for the #8 card among the best no annual fee credit cards of 2024
- With this card, you can earn 2% cashback on all the purchases
- This card offers 0% Introductory APR on balance transfers for the duration of 18 months and then variable APR of 19.24%-29.24% is applicable.
- To earn cashback, you have to make monthly payments before the due date and time
- It offers multiple redemption option such as statement credit, bank transfer , transfer points and much more
- If you pay balance in full than no interest will be charged. But in case you are unable to pay the entire balance then interest charges are applicable
- The introductory balance transfer fee is 3% for 4 months and afterward its 5%
| Pros | Cons |
| Earn flat 2% cashback on all the purchases | High balance transfer and foreign transaction fee |
| Introductory APR period for balance transfers | No introductory APR on purchases |
| No spending cap for the cashback |
9. Amex Everyday® Credit Card
Annual Fee: $0
Reward Rates: Earn 2 points per dollar on travel and qualifying US supermarket purchases
Welcome Bonus: 10,000 Membership reward points
Why we choose it?
If you are local to American Express then this card deserves a special place in your wallet. As a straightforward reward card, it is simple to use and redeem points through the card. The huge benefit of this card is its introductory APR to benefit from the interest free window.
Highlights for the #9 card among the best no annual fee credit cards of 2024
- With this card you can earn 10,000 Membership reward points after spending at least $2,000 on qualifying purchases within 6 months of card membership
- Earn 2 points on each dollar you spend on qualifying purchases at US Supermarkets with a spending limit of $2,000
- Earn 2 points on every dollar you use to book a trip through American Express Travel
- With one of the best no annual fee credit cards of 2024, you can earn 1 point for every eligible dollar you spend on other purchases
- The Membership reward points can be easily used to make eligible purchases such as retail, dining , entertainment an more on the card
- If you use this card more than 20 time in a billing period, you have the chance to earn 20% extra points on purchases
| Pros | Cons |
| Earnings can be boosted by 20% | Charges foreign transaction fee |
| Decent rewards rate | Spending limit on the bonus categories |
| No annual fee |
10. U.S Bank Altitude® Go Visa Signature® Card
Annual Fee: $0
Reward Rates: Earn 4x points on takeout , restaurant and delivery
Welcome Bonus: 20,000 points
Why we choose it?
This card is regarded as the best rate value card for foodies. Through this card, you earn the highest points on dining. With no annual fee, you will receive juicy earnings while eating out or in the comfort of your home. Not solely about food but you can earn greater rewards on other spending categories too.
Highlights for the #10 card among the best no annual fee credit cards of 2024
- As a welcome bonus you can earn 20,000 bonus points after you spend $1,000 on purchases in first 3 months. Also, in value that’s $200 redeemable towards gift cards , cash backs , merchandise and travel
- Earn 4X points on travel, dining, and restaurant delivery
- Earn 2X points on streaming services such as Netflix, Hulu, HBO Max, Spotify and Apple Music
- Earn 2X points on gas stations, grocery stores, EV charging stations
- With this card you can earn 1x points on all the other purchases
- With one of the best no annual fee credit cards of 2024, you get 0% introductory APR on purchases and balance transfers for 12 billing cycles and then a variable APR of 18.24%-29.24% is applicable.
| Pros | Cons |
| Greater rewards on restaurants and dining | Charges balance transaction fee |
| No penalty APR | Does not feature an entertainment bonus |
| Annual credit towards eligible streaming services |
Best U.S credit Cards for Restaurants and Dining
Are you in search of rewards for dining? For all the foodies the best U.S credit cards for restaurants and dining can earn cashback, points on every bite you eat. So the next time you dine out make sure to use dining credit cards to maximize your rewards.
Frequently Asked Questions
Are no fee credit cards worth it?
There are multiple credit cards that don’t charge an annual fee. This way you can keep the card for a long span of time without the thought of clearing out fee every year. They offer great value in form of rewards and are good for all those who are on a tight budget.
Which no annual fee credit card is best for cashback?
Among the best no annual fee credit cards of 2024, Capital One SavorOne Cash Rewards Credit Card is one of the viable options to get cashback. This cashback credit card is considered good for dining and entertainment spending.
Is it good to use credit card with no annual fee?
If you are on a tight budget and want to earn rewards as well, no annual fee credit cards are the best option for you . With no annual fees , several cards offer miles, points , Membership reward points , cashback to facilitate users .
