Top 5 Credit Cards With $0 Annual Fee

There are many credit cards with no annual fee. Heres a list of top 5 of them based on their usability and rewards. But the rank might vary depending on every individual. At the same time, the credit card companies might update the rewards or benefits on certain cards which potentially will change their ranking. Heres a breakdown of best no annual fee credits cards as of December 2024.

Chase Freedom Unlimited

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Rewards and benefits summary:
  • Welcome Bonus: Earn $200 after spending $500 within the first 3 months.
  • Rewards Structure:
    • 5% cash back on travel booked through Chase Ultimate Rewards
    • 3% cash back on dining (including takeout) and drugstore purchases
    • 1.5% cash back on all other purchases
  • Redemption Options: Cash back, gift cards, travel, and more via Chase Ultimate Rewards.
  • Additional Benefit: No annual fee.
  • Ideal Spending Categories: Travel, dining, and everyday purchases.
 

Savor Rewards from Capital One

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Rewards and benefits summary:
  • Welcome Bonus & APR: Earn a $200 cash bonus after spending $500 in the first 3 months, with a 0% intro APR for 15 months on purchases and balance transfers.
  • Rewards Structure:
    • 8% cash back on Capital One Entertainment purchases
    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores)
    • 1% cash back on all other purchases
  • Additional Benefits: No foreign transaction fees and rewards that never expire.
  • Ideal Spending Categories: Entertainment, travel, dining, and everyday grocery purchases.

Chase Freedom Flex

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Rewards and benefits summary:
  • Welcome Bonus & Intro APR: Earn a $200 bonus after spending $500 in the first 3 months, with 0% intro APR for 15 months on purchases and balance transfers.
  • Rewards Structure:
    • 5% cash back on rotating bonus categories and on travel booked through Chase Travel
    • 3% cash back on dining and drugstore purchases
    • 1% cash back on all other purchases
  • Additional Benefits: Cash back rewards never expire, plus cell phone protection, purchase protection, and extended warranty coverage.
  • Ideal Spending Categories: Rotating bonus categories, travel, dining, and drugstore purchases.

Discover it Cash Back

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Rewards and benefits summary:

  • Welcome Bonus & Intro APR:

    • Unlimited Cashback Match in your first year (Discover matches all cash back earned).
    • 0% intro APR for 15 months on purchases and balance transfers.

  • Rewards Structure:

    • 5% cash back on up to $1,500 in rotating quarterly categories (e.g., grocery stores, restaurants, gas stations, Amazon.com).
    • 1% unlimited cash back on all other purchases.

  • Additional Benefits:

    • No foreign transaction fees.
    • Free access to your FICO® Credit Score.
    • Rewards never expire.

  • Ideal Spending Categories: Rotating categories including groceries, dining, gas, and online shopping.

Citi double Cash Card

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Rewards and benefits summary:
  • Welcome Bonus & Intro APR: Earn $200 cash back (as 20,000 ThankYou® Points) after spending $1,500 within the first 6 months; plus, enjoy 0% intro APR on balance transfers for 18 months.
  • Rewards Structure:
    • 2% cash back on all purchases
    • 5% cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal
  • Additional Benefits: Earn ThankYou® Points redeemable for cash back, gift cards, travel, and more, along with exclusive access to Citi Entertainment events.
  • Ideal Spending Categories: Everyday purchases and travel bookings.