Best No Annual Fee Credit Cards for December 2024

If you want a simple cash-back card with a high reward, few are better than the Citi Double Cash® Card. The Citi Double Cash® Card earns an unlimited 1% cash back when you spend and an additional 1% cash back when you make a payment. This makes it a solid choice for those who don’t want to have to remember different rates for different categories or opt in to quarterly categories. Generally, credit cards with those reward schemes have less than 2% cash back on non-bonus categories. But with the Citi Double Cash® Card, you get 2% back on every single purchase. You also get a balance_transfer_intro_apr,balance_transfer_intro_duration from other cards.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Many credit cards require you to choose between bonus category rewards and a flat-rate reward, but this card gives you some of each. You earn an elevated rate on all purchases, plus higher rates on things like dining and drugstore purchases. If you want the best of both worlds, this card is a strong choice.

The card_name is one of the best credit cards available, and it doesn’t require an annual fee. Its flagship perk is its unlimited 1.5% cash back on every purchase. However, it also earns 5% cashback on travel purchased through Chase Ultimate Rewards and 3% on dining and drugstore purchases. To top it off, you can bonus_miles_full.

Introductory Offer:

• Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), which can add up to $300 in cash back!
• 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Intro Card Rewards:

• 6.5% cash back on travel booked through Chase Travel℠, our top-tier rewards program where you can redeem for cash back, travel, gift cards, and more.
• 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• 3% cash back on all other purchases (up to $20,000 spent in the first year).

After the First Year or $20,000 Spent Card Rewards:

• 5% cash back on travel booked through Chase Travel℠.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• Unlimited 1.5% cash back on all other purchases.

Additional Benefits:

• No minimum to redeem for cash back. Choose a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards never expire as long as your account is open!
• No annual fee – Enjoy all the great features of your Freedom Unlimited® card without paying an annual fee.
• Credit Monitoring – Keep track of your credit health with Chase Credit Journey, offering free access to your latest score, alerts, and more.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

It can be tough to qualify for a credit card if your credit isn’t the best, especially if you want a card with no minimum security deposit. The Mission Lane Visa is a notable exception, allowing you to potentially qualify with a credit score of 629 or lower. In addition, it allows you to pre-qualify so you can check your approval odds without further impacting your credit score. The annual fee starts at $0, though it goes up to $59. While the initial credit limit can be low and the APR can be high, Mission Lane may automatically increase your credit limit with responsible credit use. Overall, this card can make credit more accessible for subprime borrowers.

• $0 Annual Fee. Clear terms and transparent pricing.
• See if you qualify instantly without harming your credit score.
• Be automatically considered for a higher credit line in as few as 7 months.
• Free, online credit score access for cardholders.
• No interest on purchases when you pay in full and on time each month.
• No security deposit required – get started today!
• Enjoy coverage from Visa®.
• Access your account anytime, anywhere with our mobile app.
• If you are charged interest, the charge will be no less than $0.50.

If you prefer Hilton hotels but don’t like annual fees, you’d be hard-pressed to do better than this card. The card_name is a strong choice with its 7x points on eligible purchases at hotels and resorts in the Hilton portfolio. It also earns 5x points on dining at U.S. restaurants, including takeout and delivery. It also earns 5x points on gas and groceries. In addition, you get complimentary Hilton Honors Silver status. There are foreign_transaction_fee foreign transaction fees with the card_name. Plus, you get car rental loss and damage insurance and help from the Global Assist® Hotline if you have any problems while traveling.

This card has one of the best regular reward rates on dining, takeout, and delivery of any no-annual-fee card. If you frequently order out, this card should be high on your list of credit cards to consider.

The card_name is perfect for dining out, as it earns 4% cash back on dining, takeout, and delivery. It also earns 2% cash back on gas, groceries, and EV charging. You also get a $15 annual streaming credit, which you can use toward popular streaming services. You can also bonus_miles_full. Lastly, there is a 0% intro APR for the first 12 months on balance transfers and purchases.

• Earn 20,000 bonus points. Just spend $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. Points never expire.
• Earn 4X points on dining, takeout and restaurant delivery.
• Earn 2X points on streaming services, at grocery stores and at gas stations/EV charging stations.
• Earn 1X point on all other eligible purchases.
• No annual fee and low intro APR: Enjoy no annual fee and get 0% intro APR* on purchases and balance transfers† for the first 12 billing cycles. After that, a variable APR applies, currently 17.49% to 28.49%.*
• No foreign transaction fees.
• Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.
• Get a $15 credit for annual streaming service purchases like Netflix, Apple TV+, Spotify® and more.

If you have a small business operating on a shoestring budget, the card_name might be the perfect match. The Ink Business Cash® Card has a high cash-back rate and a nice welcome bonus despite not charging an annual fee.

It earns 5% back on the first $25,000 in purchases at office supply stores and on internet, cable, and phone services every year. It also earns 2% back on the first $25,000 in purchases at gas stations and restaurants every year. This card also has the most valuable welcome bonus on this list at bonus_miles. You can earn bonus_miles_full. It also includes a 10% Business Relationship Bonus if you link the Ink Business Cash and a Chase business checking account. The 10% bonus is a one-time bonus award on all your eligible cash back in the first year—earn $3,000 and you’ll get $300.(Only cards opened between March and November 2024 qualify for this bonus.) Lastly, there is a intro_apr_rate,intro_apr_duration from account opening on purchases.

Introductory Offer:

• Earn $350 when you spend $3,000 on purchases in the first three months, and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
• 0% introductory APR for 12 months on purchases

Card Rewards:

• 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.
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
• Earn 1% cash back on all other purchases.

Additional Benefits:

• Zero Liability: You won’t be held responsible for unauthorized charges made with your card or account information.
• Annual Fee: None.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Those with lower credit scores are often held down by costly interest charges, making it difficult to get ahead. This card does away with interest charges and still doesn’t require a security deposit.

The card_name is ideal for those just starting to build credit. For one, it doesn’t require a credit check. The only requirement is having received at least $200 in direct deposits from your employer or benefits payer within the past 365 days of your application. No minimum security deposit is required, though you must deposit money to increase your credit line. Chime also reports to all three major credit reporting bureaus. Lastly, there are no interest charges with this card.

• In order to be eligible for this secured credit card, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.
• No credit check to apply, no annual fees, and no minimum security deposit1
• Chime is a financial technology company, not a bank. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
• 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
• To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

This card is an option for those with fair credit who want to improve their credit scores. It doesn’t require a security deposit, and you can qualify for a credit line increase. Although the variable APR is high, it can work well for credit builders since there is no annual fee.

The card_name was designed for those with fair credit. This card will automatically consider you for a credit line increase in as little as six months. In addition, Capital One will let you pre-qualify for this card, which won’t impact your credit score. However, this card doesn’t offer rewards, and the ongoing APR is high.

Card Benefits:

• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
• No annual or hidden fees.

Airline credit cards often have annual fees, but this card manages a solid reward rate without charging an annual membership fee. Citi offers several American Airlines cards, but the others are more focused on premium flight benefits. For everyday purchases, the American Airlines AAdvantage® Mile Up® Mastercard® is Citi’s best AA card.

Miles credit cards often carry an annual fee, but the card_name is a notable exception. With this card, you can earn a 10,000-mile bonus, plus a $50 statement credit after spending $500 in the first three months of account opening. You can also earn 2x miles for every dollar you spend on groceries and American Airlines purchases. Lastly, you can get 25% off in-flight food and beverage purchases when you use your card when flying American Airlines.

• 15,000Bonus Miles Earn 15,000 American Airlines AAdvantage® bonus miles after $500 in purchases within the first 3 months of account opening.
• Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, and eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on all other purchases.
• No annual fee.
• No limit on the miles you can earn.
• Earn 1 Loyalty Point for every eligible mile earned from purchases.
• 25% savings on American Airlines inflight food and beverage purchases.
• Add Authorized Users and earn miles on their purchases.

This card is a window into the travel-rewards world, earning a decent welcome bonus and a bonus reward rate on every purchase. It earns 5x miles on hotels and rental cars booked through Capital One Travel, a benefit you often see with more premium travel cards.

If you’re looking for a general-purpose travel card with no annual fee, the card_name is tough to beat. It earns unlimited 1.25 miles per dollar on every purchase, plus unlimited 5 miles per dollar on travel booked through Capital One Travel. It also has a 0% intro APR for 15 months on balance transfers and purchases. Finally, you can bonus_miles_full.

Introductory Offer:

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles after spending $500 on purchases within the first 3 months from account opening, equivalent to $200 in travel
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that (balance transfer fee applies)

Card Rewards:

• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account, with no limit on how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options

Additional Benefits:

• Use your miles to get reimbursed for any travel purchase, or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee