Best No-Annual-Fee Credit Cards of December 2023
Citi Custom Cash: $200 Bonus, up to 5% Cash Back
Citi Custom Cash® Card is one of the best cash back credit cards with no annual fee. It offers $200 bonus cash and up to 5% cash back on purchases in your top eligible spend category each billing cycle.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Annual Fee (rates & fees)
- Credit Needed
- Excellent, Good, Fair
Other No-Annual-Fee Credit Cards
Many other credit cards are also offering rewards or cash back with no annual fee. Here are a few no-annual-fee credit cards that offer good rewards and bonus.
|Credit Card||Bonus and Rewards||Annual Fee|
Wells Fargo Autograph℠ Card
|Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.||$0|
rates & fees
Bank of America® Travel Rewards credit card
|Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.||$0|
Citi Rewards+® Card
|20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.||$0|
Bank of America® Customized Cash Rewards credit card
|$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.||$0|
Wells Fargo Active Cash® Card
|$200 cash rewards bonus after spending $500 in purchases in the first 3 months.Unlimited 2% cash rewards on purchases.||$0|
rates & fees
Bank of America® Unlimited Cash Rewards credit card
|$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Unlimited 1.5% cash back on all purchases.If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.||$0|
Chase Freedom Unlimited®
|Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.||$0|
Ink Business Unlimited® Credit Card
|$900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account openingUnlimited 1.5% cash back on every purchase made for your business||$0|
Ink Business Cash® Credit Card
|$900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening5% 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 year2% 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||$0|
Revenued Business Card
|$500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.3% cash back on every single card purchase. All categories apply.||$0|
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