Best Credit Cards With No Annual Fees 2024

If you’re looking for an inexpensive everyday card that will help you maximize rewards, the Chase Freedom Flex℠ is your best bet. With no annual fee and an easy-to-earn sign-up bonus, you can start racking up rewards right out of the gate. Earn 5% on any travel you book through Chase Ultimate Rewards, plus 5% on a rotating bundle of worthwhile categories and 3% on all dining and drugstore purchases. If you’d rather not keep close track of your spending categories, check out our next card.

• No annual fee
• 5% reward categories rotate quarterly and require activation, valid on up to $1,500 in combined purchases per quarter
• 1% rewards on all spending outside the above-mentioned categories
• 0% intro APR for 15 months on purchases and balance transfers (balance transfer fee applies)

Those who want a simplified reward structure with a great cash-back rate and no annual fee should look no further than the Wells Fargo Active Cash® card. With this card, you can stop worrying about categories and spend away, earning 2% on every purchase you make. The $200 signup bonus is easy to earn, and you’ll pay 0% APR for the first 15 months on purchases, along with balance transfers made within the first 120 days. Watch out for balance transfer fees and foreign transaction fees, and look elsewhere for better travel reward partners.

• No annual fee
• Premium hotel benefits available through Visa Signature Concierge
• Up to $600 in cell phone protection when you pay your cell phone bill with the card ($25 deductible applies)
• Intro balance transfer fee of 3%, then 5% with a $5 minimum

If you want the boost of bonus reward categories without the hassle of tracking and activating which ones you’re using, check out the Wells Fargo Autograph℠ card. You’ll earn 3% on all purchases in some big-ticket categories, including travel, restaurants, gas stations and popular streaming services. Plus, you’ll earn a solid 1% cash back on all other purchases — all for no annual fee. There are no foreign transaction fees, either, but watch out for balance transfer fees.

• No annual fee
• 0% intro APR for the first 12 months
• Up to $600 in cell phone protection when you pay your cell phone bill with the card ($25 deductible applies)
• Premium hotel benefits available through Visa Signature Concierge

While many premium travel rewards cards come with hefty annual fees, the Capital One VentureOne Rewards card offers some of the same perks without the cost. Earn 1.25X miles on all purchases, plus 5X miles on any hotel and rental car bookings you make through Capital One Rewards. You can redeem your miles for cash reimbursements, book your next trip through Capital One, or transfer them to more than 15 partner loyalty programs.

• No annual fee
• No foreign transaction fees or penalty APRs
• 0% APR on purchases and balance transfers for the first 15 months
• 3% balance transfer fee on transfers made within the first 15 months

No credit card we found can compete with the Discover it® Cash Back card for first-year rewards, especially with no annual fee. On your first anniversary, Discover will match every dollar you earned within the first 12 months — with no limit. That can really add up, particularly when you consider that you earn 5% on purchases from grocery stores, Amazon, gas stations and restaurants in a rotating set of categories, plus 1% on all other purchases. After the first year, this card’s rewards are solid, but there may be better everyday-spender cards on our list.

• No annual fee
• 5% rewards categories rotate quarterly, must be activated, and max out at $1,500 in purchases per quarter
• 0% APR on all purchases for the first 15 months
• A year may be a long time to wait for your sign-on bonus

Hotel rewards cards often come at a premium, but the Hilton Honors American Express card offers a great way to dip your toe into this world without paying an annual fee. You’ll earn 7X points on all stays at hotels within the Hilton portfolio, plus 5X points at restaurants, gas stations and supermarkets in the U.S. and 3X points on everything else. The generous sign-up bonus is easy to earn, and you’ll automatically have Hilton Honors Silver status with your card. Note that point redemption values with Hilton and other partners are a bit low compared to other travel cards.

• No annual fee
• No foreign transaction fees
• Silver status includes a fifth night free on award stays, plus you can earn a Gold upgrade when you spend $20,000 on your card in a calendar year
• Biggest benefits only come when you stick with Hilton