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Best No Annual Fee Credit Cards of September 2023

Best Cash Back Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

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Citi Custom Cash℠ Card

Rewards Rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases.
Bonus ?The Citi bonus has updated to $200 cash back after spending $1,500 in the first 6 months.
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
18.99% - 28.99% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Fair to Excellent

Card Details

  • 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 18.99% - 28.99%, 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.
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Best Cash Back Card

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

Rewards Rate
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
Bonus ?Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
18.99% - 29.99% Variable
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% - 29.99% Variable variable APR.
  • 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%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
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Best Cash Back Card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

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Capital One SavorOne Cash Rewards Credit Card

Rewards Rate
10%
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8%
Earn 8% cash back on Capital One Entertainment purchases
5%
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
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.
Bonus ?Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
19.74% - 29.74% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • 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; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
  • No foreign transaction fee.
  • No annual fee.
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Summary: Best No Annual Fee Credit Cards of September 2023

Credit Card Best For Annual Fee Intro Bonus Credit Score
Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Best Cash Back Card $0 $200 Fair to Excellent Compare Cards

on creditcards.com

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

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