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Best No Annual Fee Credit Cards for 2024

Owl Banking reviewed dozens of credit cards to find the BEST credit cards with No Annual Fees to earn points, cash back, receive sign-up bonuses, and more!

Chase Freedom Unlimited®

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Sign-Up Bonus

$200

Sign-Up Bonus Requirements

Spend $500 within 3 months

Annual Fee

$0

Rewards Rate

1.5-5% cash back

Key Features

→  $200 sign-up bonus and 5% cash back at gas stations and grocery stores 

→  5% cash back on travel purchase through Chase Ultimate Rewards, 3% cash back on dining at restaurants, including takeout and eligible delivery services, 1.5% on all other purchases

→  0% intro APR for 15 months from account opening on purchases and balance transfers.

→  No Annual Fee

The Blue Business® Plus Credit Card

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Sign-Up Bonus

50,000 pts

Sign-Up Bonus Requirements

Spend $3,000 within 3 months

Annual Fee

$0

Rewards Rate

1x-2x points

Key Features

→  50,000 points sign-up bonus

→  Earn 2x points on all purchases in the first year and 1x points thereafter.

→  0.0% introductory APR on purchases for 12 months from the date of account opening.

→  No Annual Fee

Chase Freedom Flex

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Sign-Up Bonus

$200

Sign-Up Bonus Requirements

Spend $500 within 3 months

Annual Fee

$0

Rewards Rate

1%-5% cash back

Key Features

→  5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores & select online merchants, each quarter you activate 

→  3% rewards on dining at restaurants, including takeout and eligible delivery services, and drugstores, and 1% cash back on all other purchases

→  0% intro APR for 15 months from account opening on purchases and balance transfers

→  No Annual Fee

→  Key drawback: quarterly activations elevated bonus categories

Discover it® Cash Back Credit Card

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Sign-Up Bonus

$0

Sign-Up Bonus Requirements

None

Annual Fee

$0

Rewards Rate

1%-5% cash back

Key Features

→  5% cash back on up to $1,500 in combined purchases in rotating categories that you activate like gas stations, grocery stores & restaurants 

→  0% intro APR for 15 months from account opening on purchases

→  No Annual Fee

→  Key drawback: tracking categories and quarterly activations


Platinum Mastercard® from Capital One

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Sign-Up Bonus

$0

Sign-Up Bonus Requirements

None

Annual Fee

$0

Rewards Rate

None

Key Features

→  Qualify with average credit

→  May qualify for higher credit line or cards with better benefits within a year with consistent on time payments

→  Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide.

→  Monitor your credit score with CreditWise from Capital One

→  No Annual Fee

Discover it® Miles Credit Card

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Sign-Up Bonus

$0

Sign-Up Bonus Requirements

None

Annual Fee

$0

Rewards Rate

1.5x-2x miles

Key Features

→  You earn 1.5x Miles on all purchases

→  Discover will autmatically match all the Miles earned at the end of your first year

→  Miles have the same value no matter how you redeem

→  Eligible purchases include airfare, car rentals, hotels, rideshares, gas stations, restaurants and more. You can also use Miles like cash, without losing any value for your rewards or use Miles to pay when you check out at Amazon.com or when you pay with PayPal.

→  Miles never expire

→  No Annual Fee

Discover it® Chrome Gas & Restaurant Credit Card

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Sign-Up Bonus

$0

Sign-Up Bonus Requirements

None

Annual Fee

$0

Rewards Rate

1.5x-2x miles

Key Features

→  You earn $2 cash back at gas stations and restaurants up to $1,000 each quarter, automatically

→  1% cash back on all purchases

→  Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much Discover will match. So you could turn $50 cash back into $100. Or $100 into $200

→  No Annual Fee

American Airlines AAdvantage® MileUp® Mastercard® Credit Card

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Sign-Up Bonus

10,000 miles

Sign-Up Bonus Requirements

Spend $500 within 3 months

Annual Fee

$0

Rewards Rate

1x-2x points

Key Features

→  10,000 miles sign-up bonus

→  Enjoy 2x miles at grocery stores and elibigble American Airlines purchases, 1x miles on all other purchases

→  25% Savings on Inflight Food and Beverage Purchases

→  No foreign transaction fees

→  No Annual Fee

Chase Freedom Rise®

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Sign-Up Bonus

$0

Sign-Up Bonus Requirements

Not applicable.

Annual Fee

$0

Rewards Rate

1.5% cash back

Key Features

→  Great card to start building credit

→  Earn 1.5% cash back

→  $25 statement credit for enrolling in automatic payments

→ Free credit score

→  No Annual Fee

United Gateway℠ Credit Card

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Sign-Up Bonus

20,000 pts

Sign-Up Bonus Requirements

Spend $1,000 within 3 months

Annual Fee

$0

Rewards Rate

1x-2x points

Key Features

→  20,000 miles sign-up bonus

→  Earn 2x miles on all United Airlines purchases, gas stations, and other local transit, and 1x miles on all other purchases

→  No Annual Fee or foreign transaction fees

→  0% intro APR for the first 12 months from account opening on purchases, variable APR of 21.99%-28.99% after that.

The Delta SkyMiles® Gold
American Express Card

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Sign-Up Bonus

80,000 miles

Sign-Up Bonus Requirements

Spend $3,000 within 6 months

Annual Fee

$0 (Yr 1 only)

Rewards Rate

1x-2x points

Key Features

→  80,000 miles sign-up bonus

→  Earn 2x miles on all Delta purchases, restaurants, and U.S Supermarkets and 1x miles on all other purchases

→  $200 flight credit after spending $10,000 in eligible purchases

→  First Checked Bag Free for you and a companion and Priority Boarding (Main Cabin 1)

→  $0 introductory Annual Fee, then $150 Annual Fee thereafter

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