Best Credit Cards With No Annual Fee in 2024

The Capital One Savor Cash Rewards Credit Card is great if you find yourself frequenting restaurants, sporting events or concerts thanks to its high cash back rewards rate. You can earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.

There’s no need to activate rotating categories. Plus, the card comes with an easy-to-earn sign-up bonus, which lets you earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.

The Capital One VentureOne Rewards Credit Card is a solid choice for travelers who want a no-annual-fee card with simple rewards. You’ll earn 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. You can use your miles to get reimbursed for any travel purchase or redeem them by booking a trip through Capital One Travel — plus, the card even lets you transfer miles to Capital One’s travel partners.

In addition to its $0 annual fee and a generous sign-up bonus, the Wells Fargo Autograph^℠ Card gives you 3X points on everyday expenses like gas stations, restaurants, travel, transit, popular streaming services and phone plans. It also offers an intro APR on new purchases and cellphone protection (subject to a $25 deductible) when you use your Wells Fargo Autograph^℠ Card to pay your monthly cellphone bill.

The Delta SkyMiles^® Blue American Express Card is the rare airline credit card that doesn’t charge an annual fee. It also features some of the best rewards in its class, letting you earn 2X Miles per dollar spent on Delta purchases and at restaurants worldwide, plus takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases. This is a good card to take when you go overseas. Not only will you earn extra miles on your Delta purchases, but when it comes to foreign transaction fees, there are none.

The Capital One Platinum Credit Card doesn’t require a security deposit, accepts applicants with Limited / Fair credit and, of course, doesn’t charge an annual fee. Card ownership gives you access to a variety of tools that help you build credit, including free credit score access. Plus, in as few as six months, your account is considered for a higher credit limit — which can improve your credit score.

The Hilton Honors American Express Card is an affordable hotel credit card option — it rewards you with a stellar welcome offer, as well as up to 7X points on purchases made at hotels and resorts within the Hilton portfolio. Along with the $0 annual fee, you get automatic Hilton Silver Elite status (enrollment required) and no foreign transaction fees.

The Discover it^® Secured Credit Card is good if you have limited / poor credit and want to improve your credit score. While you will need to put down a security deposit of at least $200, it’s refundable when you close your account or get upgraded to an unsecured amount. And thanks to the $0 annual fee, it won’t cost you anything to raise your credit score if you follow the best practices in building credit. Plus, you’ll earn unlimited cash back on every purchase.

The Ink Business Cash^® Credit Card is an attractive business card with a $0-annual-fee. Cardholders 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. It’s a great option to finance a large business expense. You’ll get a 0% Intro APR on Purchases for 12 months. After that, a 17.74% - 25.74% Variable APR applies.

With its higher rate of cash back on everyday spending categories like U.S. gas and U.S. supermarkets, it’s hard to go wrong with the Blue Cash Everyday^® Card from American Express. You’ll get 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. Your cash back is easily redeemed for statement credits or at Amazon.com checkout.

In addition, the welcome offer is both attainable and generous: You’ll earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 

The Discover it^® Cash Back is one of the best cards you can find for financing a balance transfer or a large purchase. For balance transfers, there’s a 0% Intro APR for 15 months. After that, it features a lower-than-average 18.49% - 27.49% Variable APR *Rates as of December 12, 2024. It also offers a 0% Intro APR for 15 months on purchases, then a 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Unlike many student credit cards, the Discover it^® Student Cash Back card has a $0 annual fee, no security deposit and no credit score required to apply. The card is designed especially for students as a tool to help them establish and build their credit with responsible use. Like other Discover cards, new cardholders get a great cash back rewards program, including a sign-up bonus that rewards you for spending more. You’ll get an Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.