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Best credit cards with no annual fee in May 2024

Updated May 21, 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
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chance of approval
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

Rewards rate

Info

2%

Annual fee

Regular APR

Info

Best for dining & entertainment

Bankrate score

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

Intro offer

Info

Rewards rate

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1% - 8%

Annual fee

Regular APR

Info

Best for automatic custom category

Bankrate score

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

Intro offer

Info

Rewards rate

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1% - 5%

Annual fee

Regular APR

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

Rewards rate

Info

1% - 5%

Annual fee

Regular APR

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

$340 value
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Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

Regular APR

Info

Best overall cash back card with no annual fee

Bankrate score

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

Intro offer

Info

Rewards rate

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1.5% - 5%

Annual fee

Regular APR

Info

Best for shopping

Bankrate score

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

Intro offer

Info

Rewards rate

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1% - 3%

Annual fee

Regular APR

Info

Best for credit builders

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
N/A
chance of approval
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Annual fee

Regular APR

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

Regular APR

Info

Best for cash back after intro apr

Bankrate score

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

Intro offer

Info

Rewards rate

Info

1% - 5%

Annual fee

Regular APR

Info

Best for bank of america customers

Bankrate score

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

Intro offer

Info

Rewards rate

Info

1.5%

Annual fee

Regular APR

Best for transit and commuting