Best no annual fee credit cards of 2024
Maximize your rewards without breaking your budget. Get matched to credit cards from our partners based on your unique credit profile.⍉
Pay no annual fee
No annual fees make it easy to start your credit journey with no upfront cost.
Get rewards with no annual fee
Put money back in your pocket with a credit card that offers rewards and no annual fee.
Save money with no annual fees
You don’t have to spend money to save money with these credit cards.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
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All no annual fee credit cards
34 partner offers
AvantCard
Intro bonus: | N/A* |
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Rewards: | 2% (cash back) |
Ongoing APR: | 29.74%* Variable |
Annual Fee: | $0* |
Wells Fargo Active Cash® Card
Intro APR: | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 19.74%, 24.74%, or 29.74% Variable APR |
Rewards: | 2% (Cash Rewards) |
Annual Fee: | $0 |
Hilton Honors American Express Card
Intro bonus: | Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. |
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Rewards: | 3x-7x (Points per dollar) |
Ongoing APR: | 20.49%-29.49% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCredit One Bank American Express® Unlimited Rewards Card
Intro bonus: | N/A* |
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Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesAmerican Airlines AAdvantage® MileUp® Card
Intro bonus: | Earn 15,000 American Airlines AAdvantage® bonus miles after making $1000 in purchases within the first 3 months of account opening. |
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Rewards: | 2x (Miles per dollar) |
Ongoing APR: | 20.74% - 29.74% (Variable) |
Annual Fee: | $0 |
Citi® Diamond Preferred® Card
Intro APR: | 0% for 21 months on Balance Transfers and 12 months on Purchases |
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Ongoing APR: | 17.74% - 28.49% (Variable) |
Rewards: | N/A* |
Annual Fee: | $0 |
Credit One Bank® Secured Card
Intro bonus: | N/A* |
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Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCapital One Quicksilver Cash Rewards Credit Card TESTV6
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 19.99% - 29.99% (Variable) |
Rewards: | 7% (cash back) |
Annual Fee: | N/A |
Citi Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
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Ongoing APR: | 18.74% - 28.74% (Variable) |
Rewards: | 2% (cash back) |
Annual Fee: | $0 |
One Key™ Card
Intro bonus: | Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms. |
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Rewards: | 1.5x-3x (Points per dollar) |
Ongoing APR: | XX.XX%, XX.XX%, or XX.XX% Variable APR |
Annual Fee: | $0 |
Capital One Savor Cash Rewards for Good Credit
Intro bonus: | N/A |
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Rewards: | 1%-8% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Capital One Quicksilver Cash Rewards Credit Card
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 19.74% - 29.74% (Variable) |
Rewards: | 1.5%-5% (cash back) |
Annual Fee: | $0 |
Discover it® Chrome
Intro APR: | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months |
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Ongoing APR: | 18.74% - 27.74% Variable APR |
Rewards: | 1%-2% (cash back) |
Annual Fee: | $0 |
Capital One Platinum Credit CardTESTV6
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | N/A |
Capital One VentureOne Rewards for Good Credit
Intro bonus: | N/A |
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Rewards: | 1.25x-5x (Miles per dollar) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Discover it® Cash Back
Intro APR: | 0% Intro APR on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 18.74% - 27.74% Variable APR |
Rewards: | 1%-5% (cash back) |
Annual Fee: | $0 |
Delta SkyMiles® Blue American Express Card
Intro bonus: | Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. |
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Rewards: | 1x-2x (Miles per dollar) |
Ongoing APR: | 20.49%-29.49% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCapital One VentureOne Rewards Credit Card
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 19.74% - 29.74% (Variable) |
Rewards: | 1.25x-5x (Miles per dollar) |
Annual Fee: | $0 |
AT&T Points Plus® Card from Citi
Intro bonus: | Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening |
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Rewards: | 1x-3x (Points per dollar) |
Ongoing APR: | 20.74% - 28.74% (Variable) |
Annual Fee: | N/A |
AvantCard
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $0* |
Capital One Quicksilver Cash Rewards for Good Credit
Intro bonus: | N/A |
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Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
GO REWARDS® Credit Card
Intro bonus: | N/A* |
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Rewards: | 1x-3x (Points per dollar) |
Ongoing APR: | 9.99% - 18% Variable |
Annual Fee: | $0 |
Blue Cash Everyday® Card from American Express
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 18.74%-29.74% Variable |
Rewards: | 1%-3% (cash back) |
Annual Fee: | $0 |
Terms Apply
Rates and feescashRewards Credit Card
Intro bonus: | N/A* |
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Rewards: | 1.5% (cash back) |
Ongoing APR: | 10.65% - 18% Variable |
Annual Fee: | $0 |
Capital One Platinum Secured Credit Card
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Citi Custom Cash® Card
Intro APR: | 0% for 15 months on Purchases and Balance Transfers |
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Ongoing APR: | 18.74% - 28.74% (Variable) |
Rewards: | 1%-5% (cash back) |
Annual Fee: | $0 |
Capital One Platinum Credit Card
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Citi Rewards+® Card
Intro APR: | 0% for 15 months on Purchases and Balance Transfers |
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Ongoing APR: | 18.24% - 28.24% (Variable) |
Rewards: | 1x-2x (Points per dollar) |
Annual Fee: | $0 |
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus: | N/A* |
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Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Platinum
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 6.99% - 18% Variable |
Annual Fee: | $0 |
Discover it® Miles
Intro APR: | 0% Intro APR on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 18.74% - 27.74% Variable APR |
Rewards: | 1.5x (Miles per dollar) |
Annual Fee: | $0 |
First Latitude Assent Mastercard® Secured Credit Card
Intro bonus: | N/A* |
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Rewards: | 1% (cash back) |
Ongoing APR: | 28.74% Variable |
Annual Fee: | $0 |
Capital One Savor Cash Rewards Credit Card
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 19.74% - 29.74% (Variable) |
Rewards: | 1%-8% (cash back) |
Annual Fee: | $0 |
Wells Fargo Reflect® Card
Intro APR: | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 17.74%, 24.24%, or 29.49% Variable APR |
Rewards: | N/A* |
Annual Fee: | $0 |
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
How to find the best no annual fee credit card
1
Know your spending habits
Choose a card that matches your financial needs.
2
Look for the best rewards
See which card will earn you more on what you already buy.
3
Consider a 0% APR card
Make a big purchase and save on interest for a year or more.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.