First, Create A Meme is a useful site that lets you create custom memes with a few clicks. It's got three modes, Magic, Custom and Template, and an interface that's geared for different meme-making styles. It's multilingual and offers two pricing tiers, a free version with limited features and a Plus version for $6.99/month or $6.99/year that lets you use unlimited templates and edit images.
Another good option is the AI Meme Generator, a web-based tool that works on phones, too. It uses the GPT-4 Vision Model to generate memes in your browser or on your phone screen, no technical or design expertise required. You can take a photo with your phone or upload one, and then customize the result with a variety of personalities and styles. It's a good way to add some humor to your social media posts or share with your friends.