Best No Annual Fee Credit Cards for June 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 n purchases in the first 6 months of account pening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Ear 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only OfferL 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a abalance, 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)
• 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.

The card_name has an incredible selection of rewards, especially for a card with annual_fees annual fee. These include 10% cash back on Uber and Uber Eats through 11/14/24; 8% cash back on purchases made through Capital One Entertainment; 5% cash back on hotels and rental cars booked through Capital One Travel; and 3% on dining, groceries, streaming services, and entertainment. There is also a 0% APR on balance transfers and purchases for 15 months.

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

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 (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024).
• 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 18.24% to 29.24%.*
• 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.

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.

• 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
• 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
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

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.

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.

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• 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

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.
• 2timesxor1timexMiles 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.

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.

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.

• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with 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

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.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to 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
• 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
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

After activation, the Chase Freedom Flex earns 5% cash back in quarterly bonus categories on up to $1,500 in spending per quarter. Bonus categories typically include grocery stores (not including Walmart and Target), gas stations, and select online merchants. It also earns 5% on travel booked through Chase Ultimate Rewards, 3% at restaurants (including takeout and delivery services), 3% at drugstores, and 1% on all other purchases. Plus, you can $200 bonus when you spend $500 within three months of opening account.

• Earn 10% cash back on grocery store purchases (excluding Target® and Walmart®)*Opens offer details overlay on up to $12,000 spent in the first year.
• Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase TravelSM, 3% on dining including takeout and drug stores, and 1% on all other purchases.
• 0% intro APR for 15 months from account opening on purchases and balance transfers.†Opens pricing and terms in new window After the intro period, a variable APR of 20.49%–29.24%.†Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
• $0 annual fee.
• Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.