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Best credit cards with no annual fee in June 2024

Updated May 30, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

Though credit cards with annual fees can be worth it, cardholders may sometimes struggle to maximize usage to outweigh the cost. If you're uncomfortable with a yearly fee or use your credit card only occasionally, a no-annual-fee card is a smart choice.

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Best overall

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

$200 cash rewards

Rewards rate

Info

2%

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: It offers one of the highest unlimited flat cash rewards rates you can get without paying an annual fee.

Best for dining & entertainment

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s one of the few no-annual-fee cards to offer an excellent rewards rate on both dining and grocery purchases — many cards favor just one category.

Best for custom bonus category

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: It boasts one of the most flexible cash back rewards structures, as you can earn elevated cash back in your top eligible spending category each billing cycle.

Best for rotating bonus categories

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: Its rotating categories make earning rewards very flexible, as you can earn elevated cash back in various spending categories throughout the year.

Best for occasional travelers

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It offers a solid, unlimited flat rewards rate, making it easy to earn miles even if you don’t actually spend a ton on travel.

Best for beginners

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Its low cost and streamlined rewards program make it a great fit if you want a low-risk, low-maintenance card.

Best for shopping

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: It offers a ton of flexibility since you can choose your top bonus category and switch up once per calendar month.

Best for credit builders

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Annual fee

$0

Regular APR

29.99% (Variable)

Why you’ll like this card: Capital One does automatic account reviews after six months of responsible card use, and if qualified, you can get a higher credit limit — which in return boosts your credit utilization ratio.

Best for renters

Bankrate score

Rating: 4 stars out of 5
4.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

N/A

Rewards rate

Info

1X Points - 3X Points

Annual fee

None

Regular APR

See Terms

Why you’ll like this card: It’s the only card that earns points on rent payments and lets you skip the typical fees that come from paying rent with a card.

Best for everyday cash back

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

$200 cash back

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: Its generous flat rewards rate makes it useful as both a standalone option and as the foundation of a Citi card stack.

Best for Bank of America customers

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: It offers unrivaled potential value since the Preferred Rewards program can boost your cash back rate by up to 75 percent.

Best for commuters

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

20,000 bonus points

$200 value
Info

Rewards rate

Info

1X - 3X

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: It’s an especially well-rounded everyday option since it earns rewards in several key categories and offers flexible redemption.

Compare the best credit cards with no annual fee

Card name Our pick for Bankrate review score

Flat-rate cash rewards + Best overall

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site
Dining & entertainment

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Custom bonus category

4.4 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site

Rotating bonus categories

4.4 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site

Occasional travelers

4.1 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Beginners

3.8 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Shopping

4.3 / 5

Info
(Read card review)