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Here are some excellent credit card options in the USA that come with no annual fee for 2024:
1. **Citi® Double Cash Card**:
- **Rewards**:
Earn 2% cash back on all purchases (1% when you buy, 1% when you pay).
- **APR**:
0% intro APR on balance transfers for 18 months, then 18.24% - 28.99% variable.
- **Highlights**:
No category restrictions and a straightforward cash back program.
2. **Capital One Quicksilver Cash Rewards Credit Card**:
- **Rewards**:
1.5% cash back on every purchase.
- **APR**:
0% intro APR on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable.
- **Bonus**:
$200 cash bonus after spending $500 within the first three months.
3. **Blue Cash Everyday® Card from American Express**:
- **Rewards**:
3% cash back at U.S. supermarkets (up to $6,000 per year), 3% on U.S. online retail purchases, 3% at U.S. gas stations (all up to $6,000 per year), and 1% on other purchases.
- **APR**:
0% intro APR on purchases and balance transfers for 15 months, then 19.24% - 29.99% variable.
- **Bonus**:
$200 statement credit after spending $2,000 in the first six months.
4. **Bank of America® Customized Cash Rewards credit card**:
- **Rewards**:
3% cash back in a category of your choice (like gas, online shopping, dining, travel, drug stores, or home improvement), 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and 1% on all other purchases.
- **APR**:
0% intro APR for 15 billing cycles on purchases, then 19.24% - 29.24% variable.
- **Bonus**:
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days【6†source】.
5. **Discover it® Cash Back**:
- **Rewards**: 5% cash back on rotating quarterly categories (on up to $1,500 in purchases each quarter, activation required), 1% on other purchases.
- **APR**: 0% intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% variable.
- **Bonus**:
Cashback Match – Discover will match all the cash back earned at the end of your first year.
These cards offer a variety of rewards structures and introductory APR periods, making them suitable for different spending habits and financial goals. Always consider your personal spending patterns and financial needs when choosing a credit card.