Best No-Annual-Fee Credit Cards of October 2024

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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 18.74% - 28.74%, 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.
    Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel portal through 6/30/2026.
  • 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)
$0
Credit Needed
Excellent, Good

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 Cards with No Annual Fee

Credit CardBonus and RewardsAnnual Fee
Wells Fargo Active Cash Card

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
    Wells Fargo Autograph Card

    Wells Fargo Autograph Card

  • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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
    Citi Rewards+ Card

    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.com
  • 2X 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
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

  • $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.
  • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel portal through 12/31/25.
  • $0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • 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!
  • 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.
  • $0
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees
    One Key Card

    One Key™ Card

  • $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia, Hotels.com and Vrbo. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
  • 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
  • $0
    rates & fees
    Ink Business Unlimited Credit Card

    Ink Business Unlimited® Credit Card

  • $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Unlimited 1.5% cash back on every purchase made for your business
  • $0
    Ink Business Cash Credit Card

    Ink Business Cash® Credit Card

  • $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
  • 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
  • 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
  • $0
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

  • $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • $0
    rates & fees
    Synchrony Premier World Mastercard

    Synchrony Premier World Mastercard®

  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
  • $0


    Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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