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Many people feel that paying an annual fee for a credit card makes no sense. Why should you pay to spend money? That’s not to say that cards with annual fees are never worth it — for example, it’s possible to get over $2,000 in value in your first year with The Platinum Card® from American Express
, especially if you travel frequently and take advantage of its benefits.
Find the right no-annual-fee credit card for you
High cash back rate with long intro APR
$200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Best if you have a Chase Sapphire card
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
Earns among the highest cash back, if you work for it
$200 after spending $500 on purchases in the first three months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Best if your spending changes month to month
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening
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. Earn unlimited 1% cash back on all other purchases.
Get your first year of cash back matched
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Earn 1.5% cash back everywhere
One-time $200 cash bonus once you spend $500 on purchases within 3 months of account opening
Earn unlimited 1.5% cash back on all purchases
Best for small businesses
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 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. Earn 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.
Best for United loyalists
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
But if you stay close to home, or don’t fancy perks like annual statement credits, airport lounge access, or elite status, you can do quite well with a card that doesn’t charge an annual fee. Plenty of cards without an annual fee offer strong rewards, too, so you’re not missing out on points and miles.
Here are our picks for the best no-annual-fee credit cards available right now.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Compare the best no annual fee credit cards
Wells Fargo Active Cash® Card
Intro offer
$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening
Rewards
Earn unlimited 2% cash rewards on purchases.
Wells Fargo Active Cash® Card
Intro offer
$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening
Rewards
Earn unlimited 2% cash rewards on purchases.
Card Details
Rewards
Earn unlimited 2% cash rewards on purchases.
Intro offer
$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular APR
17.24%, 22.24%, or 27.24% Variable
Intro APR
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Pros & Cons
Highlights
Additional Reading
Chase Freedom Unlimited®
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
Chase Freedom Unlimited®
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
Card Details
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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.
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Recommended Credit
Good to Excellent
Regular APR
17.24% – 25.99% Variable
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Pros & Cons
Highlights
Additional Reading
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Card Details
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular APR
17.24% – 25.99% Variable
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Pros & Cons
Highlights
Additional Reading
Intro offer
$200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro offer
$200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Card Details
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro offer
$200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
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Regular APR
16.24% – 26.24% Variable
Intro APR
0% intro APR on balance transfers for 18 months
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Highlights
Additional Reading
Wells Fargo Autograph℠ Card
Intro offer
30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Wells Fargo Autograph℠ Card
Intro offer
30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Card Details
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Intro offer
30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular APR
17.24%, 22.24%, or 27.24% Variable
Intro APR
0% intro APR on purchases for 12 months from account opening
Pros & Cons
Highlights
Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening
Rewards
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. Earn unlimited 1% cash back on all other purchases.
Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening
Rewards
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. Earn unlimited 1% cash back on all other purchases.
Card Details
Rewards
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. Earn unlimited 1% cash back on all other purchases.
Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening
Recommended Credit
Good to Excellent
Regular APR
16.24% – 26.24% Variable
Intro APR
0% Intro APR on balance transfers and purchases for 15 months
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Highlights
Additional Reading
Blue Cash Everyday® Card from American Express
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months
Rewards
Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Blue Cash Everyday® Card from American Express
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months
Rewards
Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
On American Express’s website
Card Details
Rewards
Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months
Recommended Credit
Good to Excellent
Regular APR
16.24% – 27.24% Variable
Intro APR
0% intro APR on purchases and balance transfers for 15 months from account opening
Pros & Cons
Highlights
Additional Reading
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Card Details
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular APR
14.24% – 25.24% Variable
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Capital One Quicksilver Cash Rewards Credit Card
Intro offer
One-time $200 cash bonus once you spend $500 on purchases within 3 months of account opening
Rewards
Earn unlimited 1.5% cash back on all purchases
Capital One Quicksilver Cash Rewards Credit Card
Intro offer
One-time $200 cash bonus once you spend $500 on purchases within 3 months of account opening
Rewards
Earn unlimited 1.5% cash back on all purchases
Card Details
Rewards
Earn unlimited 1.5% cash back on all purchases
Intro offer
One-time $200 cash bonus once you spend $500 on purchases within 3 months of account opening
Recommended Credit
Good to Excellent
Regular APR
16.49% – 26.49% (Variable)
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Pros & Cons
Highlights
Additional Reading
Ink Business Cash® Credit Card
Intro offer
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards
Earn 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. Earn 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.
Ink Business Cash® Credit Card
Intro offer
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards
Earn 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. Earn 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.
Card Details
Rewards
Earn 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. Earn 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.
Intro offer
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular APR
15.49% – 21.49% Variable
Intro APR
0% intro APR on purchases for 12 months from account opening
Pros & Cons
Highlights
Additional Reading
Amex EveryDay® Credit Card from American Express
Intro offer
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Amex EveryDay® Credit Card from American Express
Intro offer
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
On American Express’s website
Card Details
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Intro offer
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Regular APR
12.99% to 23.99%
Intro APR
0% intro APR on purchases and balance transfers for 15 months from the date of account opening
Pros & Cons
Highlights
Additional Reading
American Airlines AAdvantage MileUp℠ Mastercard
Intro offer
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
American Airlines AAdvantage MileUp℠ Mastercard
Intro offer
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
Card Details
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
Intro offer
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Recommended Credit
Excellent
Regular APR
18.24% – 27.24% (Variable)
Pros & Cons
Highlights
Additional Reading
Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Card Details
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular APR
18.74% – 25.74% Variable
Intro APR
0% intro APR on purchases for 12 months
Pros & Cons
Highlights
Additional Reading
Delta SkyMiles® Blue American Express Card
Intro offer
10,000 miles after you spend $500 in the first 3 months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.
Delta SkyMiles® Blue American Express Card
Intro offer
10,000 miles after you spend $500 in the first 3 months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.
On American Express’s website
Card Details
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.
Intro offer
10,000 miles after you spend $500 in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular APR
17.99% – 26.99% Variable
Pros & Cons
Highlights
Additional Reading
Best for high cash rewards rate: Wells Fargo Active Cash Card
If you want to earn the highest cash rewards possible on every purchase without having to keep track of bonus categories, the Wells Fargo Active Cash® Card is a winner. Cardholders earn 2% cash rewards on purchases with no limits, and there’s a solid welcome bonus offer too: $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening.
New cardholders also receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 17.24%, 22.24%, or 27.24% Variable APR), which is handy if you’ve got upcoming expenses you can’t pay off in full right away.
The card also comes with a decent array of perks, like cell phone protection, travel emergency assistance services, roadside dispatch, and Visa Signature Concierge access. If you’re traveling abroad, it’s best to leave the Wells Fargo Active Cash® Card at home, because it adds foreign transaction fees.
You can find all the details in our Wells Fargo Active Cash card review.
Best if you have a Chase Sapphire card: Chase Freedom Unlimited
The Chase Freedom Unlimited® is another top pick for a no-annual-fee card — especially if there’s a chance that you’ll want to earn more valuable credit card rewards with a premium credit card later on.
That’s because while Chase markets the card as “cash back,” it actually earns Chase Ultimate Rewards points that you can redeem for cash, gift cards, or travel through the Chase Travel Portal at a rate of 1 cent per point.
If you decide that you want to maximize the value of those points by purchasing travel with a bonus through Chase, or transfer them to frequent flyer partners, you can open a card like the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, and pool your points from the two cards.
The Chase Freedom Unlimited® earns 5% cash back on travel booked through Chase, 5% back on Lyft rides through March 2025, 3% cash back on dining and at drugstores, and 1.5% back on all other purchases (or 1.5 points per dollar spent). Paired with a Sapphire Reserve, it’s a great card to use for purchases that aren’t made on travel expenses or dining.
The Freedom Unlimited is a fantastic all-around card. However, to get the most value when it’s time to spend your points, you need the Sapphire Reserve or Preferred card, too, so you can pool your points. Otherwise, points are only worth 1 cent each no matter how you use them, and they can’t be transferred to airline or hotel partners.
Read the Chase Freedom Unlimited credit card review to learn more.
Best for earning among the highest cash back, if you work for it: Chase Freedom Flex
The Chase Freedom Flex℠ works virtually the same way as the Chase Freedom Unlimited®, earning cash back in the form of Chase Ultimate Rewards points that you can either combine with another card, or redeem for cash or merchandise.
The key difference is how it earns those rewards. Unlike the Chase Freedom Unlimited® — which earns 1.5% cash back (or 1.5 points per dollar spent) on most purchases, the Chase Freedom Flex℠ earns 5% (or 5x) in rotating categories each quarter (once activated) on up to $1,500 spent in that category. You’ll also earn 5% cash back on travel purchases made through Chase, 5% on Lyft rides through March 2025, 3% back on dining and drugstores, and 1% back on everything else.
Read the Chase Freedom Flex card review for more info.
Best for high cash back rate with long intro APR: Citi Double Cash Card
The Citi® Double Cash Card effectively earns 2% cash back — 1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off. If you’re focused on earning credit card rewards, you should be paying your balance off in full each month, so in that case, you can consider this a 2% cash back card.
Normally, there’s no welcome bonus offer, but for a limited time, the card is offering $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. This is one of the best cash-back cards, and it’s simple to use because there are no bonus rewards categories to remember. New cardholders receive a 0% intro APR on balance transfers for 18 months, followed by a 16.24% – 26.24% Variable APR. That’s a good deal if you’re looking to consolidate debt to save on interest.
The Citi® Double Cash Card is also an excellent starter card if you’re new to credit card rewards. You can’t go wrong with redeeming Double Cash rewards for cash back, but if you later want to delve into travel or other redemptions, you have other options for using Citi ThankYou points.
As of March 28, 2022, the Double Cash card earns Citi ThankYou points instead of cash back directly. But you can still redeem your points for cash back (as well as travel, gift cards, and more) and get the same rate of return.
Read the Citi Double Cash credit card review to learn more.
Best for 3x earning in great everyday categories: Wells Fargo Autograph Card
Wells Fargo’s newest card, the Wells Fargo Autograph℠ Card, is a great choice if you want to earn a high rate of rewards in a variety of everyday categories without paying an annual fee. You can earn 3x points on travel, dining, gas stations, popular streaming services, transit, and phone plans, and 1 point per dollar on all other purchases with no limits.
The card comes with a substantial welcome bonus offer, too: 30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening (worth $300 in rewards). New cardholders can also save money on interest with a 0% intro APR on purchases for 12 months from account opening, followed by a 17.24%, 22.24%, or 27.24% Variable.
You can find out all the details in our Wells Fargo Autograph card review.
Best if your spending changes month to month: Citi Custom Cash Card
The Citi Custom Cash℠ Card is a great choice if your spending habits tend to change from month to month. Cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Although it’s marketed as a cash-back card, the Citi Custom Cash℠ Card actually earns rewards in the form of Citi ThankYou points, which are worth 1 cent apiece for cash back, travel booked through Citi, gift cards, merchandise, and more. And if you have the Citi Premier® Card or Citi Prestige® Card
(no longer available to new applicants), you can pool your rewards and transfer points to airline and hotel partners, including Citi’s newest partners, Choice Privileges and Wyndham Rewards.
Read the Citi Custom Cash credit card review to learn more.
Recently, the Blue Cash Everyday® Card from American Express updated its earning rates to include U.S. online retail purchases, making it one of the best cards for online shopping. Plus, you can now earn 3% cash back at US gas stations (was 2% back) up to spending limits.
Cardholders earn:
- 3% cash back at U.S. supermarkets on up to $6,000 each calendar year (then 1% back)
- 3% back at U.S. gas stations on up to $6,000 each calendar year (then 1% back)
- 3% back on U.S. online retail purchases on up to $6,000 each calendar year (then 1% back)
- 1% cash back on everything else
Cash back is received in the form of Reward Dollars which can later be redeemed as statement credits.
Keep in mind that your cash back rewards are capped at $6,000 per category each year (then 1% back). So if easily spend more than the $6,000 cap in the bonus categories, you might want to consider a different cash-back rewards card with a higher limit.
There’s also a “Preferred” version of the Blue Cash Everyday® Card from American Express — the Blue Cash Preferred® Card from American Express earns a bigger 6% back on the first $6,000 spent at U.S. supermarkets per calendar year (and 1% after), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit including taxis, rideshares, parking, and tolls, and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).
The higher-earning rate on the Preferred makes it worth paying the annual fee — however, the Blue Cash Everyday® Card from American Express is still a great option if you’re opposed to that.
Read the Amex Blue Cash Everyday credit card review to learn more.
Best for getting your first year of cash back matched: Discover it Cash Back
The Discover it® Cash Back works similarly to the Chase Freedom Flex℠: It offers 5% cash back on up to $1,500 spent each quarter in rotating bonus categories (then 1% back) and 1% cash back on everything else (from July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%).
It doesn’t offer the same bonus categories as the Chase Freedom Flex℠, though, although sometimes they overlap.
The Discover it® Cash Back is compelling for one other reason: Discover will match all your cash back at the end of your first cardmember year. So if you earned $500 in cash back in your first year, Discover would match that $500 for a total of $1,000 in cash back. This awesome feature is available on all Discover credit cards — and all Discover cards have no annual fee.
See the Discover it Cash Back credit card review for more information.
Best for earning 1.5% cash back everywhere: Capital One Quicksilver
The Capital One Quicksilver Cash Rewards Credit Card has no annual fee and earns 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on every other purchase you make. In this regard, it’s most similar to the Chase Freedom Unlimited®.
There are also no foreign transaction fees, and the card has a solid welcome offer: One-time $200 cash bonus once you spend $500 on purchases within 3 months of account opening. Read the Capital One Quicksilver Cash Rewards card review to learn more.
Best for small businesses: Chase Ink Cash
The Ink Business Cash® Credit Card is another solid Chase entry, although this one is a small-business credit card — however, anyone with just about any kind of business can qualify, whether you have a brick-and-mortar space with employees, or you’re a freelancer, or even someone with a small side gig.
Just like with the Chase Freedom cards, you can pool the “cash” you earn with points from a Chase travel card, effectively converting your cash into (potentially) more valuable points. Alternatively, you can reap the rewards in the form of cash instead.
The Ink Business Cash® Credit Card earns 5% cash back (or 5x points) on the first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each cardholder year. It earns 5% back (or 5x points) on Lyft rides through March 2025, 2% back (or 2x points) on the first $25,000 in purchases at gas stations and restaurants each year, and 1% (or 1x point) on everything else with no cap.
Read more about this card in our Ink Business Cash card review.
Best for earning Amex points: Amex EveryDay credit card
American Express Membership Rewards is Amex’s in-house rewards program, and the Amex EveryDay® Credit Card from American Express
is the best no-fee card that earns them. You can redeem Amex points for travel, merchandise, statement credits, gift cards, and more. However, the best option is to transfer them to an Amex airline or hotel partner.
The Amex EveryDay® Credit Card from American Express earns 2x points at U.S. supermarkets (on up to $6,000 of purchases per year, then 1x after that) and at Amex Travel, and 1x on everything else. It also offers a 20% bonus on points earned in a billing period when you make 20 or more purchases during that period.
Like most Amex cards, the Amex EveryDay® Credit Card from American Express features a few travel and purchase protections, as well as access to the Amex Offers program.
While most people will be better off with a version of the card that has an annual fee, the Amex EveryDay® Preferred Credit Card
, the regular Amex EveryDay® Credit Card from American Express is still a strong option — especially since there’s no annual fee.
See our Amex EveryDay card review to learn more.
Best for Delta, American, and United airline loyalists: No-annual-fee airline cards
- Delta: Delta SkyMiles® Blue American Express Card
- American Airlines: American Airlines AAdvantage MileUp℠ Mastercard
- United: United Gateway℠ Card
Most airline credit cards that are worth having come with an annual fee — although many of them will waive it for the first year. Those cards tend to come with useful benefits for people who fly with the airline, like priority boarding or free checked bags. You can learn more in our guide to the best airline credit cards.
However, if you’re interested in earning frequent flyer miles with a particular airline through your spending, but don’t care about those perks and want to avoid the fee, you have a couple of options.
If you’re a Delta flyer, you can go for the Delta SkyMiles® Blue American Express Card, which offers 2 Delta SkyMiles on every eligible dollar spent with Delta and at restaurants worldwide, and 1 mile per dollar on everything else. It also gets you a 20% discount — in the form of a statement credit — on Delta inflight purchases like food or drinks.
American loyalists can consider the American Airlines AAdvantage MileUp℠ Mastercard. This card offers 2x AAdvantage miles on every dollar spent at grocery stores and with American Airlines, and 1 mile per dollar on everything else.
United’s United Gateway℠ Card, with an annual fee of $0, earns 2x miles on United purchases, gas, public transit, rideshare services, and taxis, and 1x miles on everything else.
No-annual-fee credit cards that just missed the cut
There are many other no-annual-fee credit cards that don’t appear on this list. Here’s an overview of the cards we considered that didn’t make the final cut.
- Capital One SavorOne Cash Rewards Credit Card — This card earns 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, streaming services, and grocery stores, and 1% back on all other purchases.
- Capital One VentureOne Rewards Credit Card — You’ll earn 1.25 miles per dollar on every purchase, which is better than the standard rate of 1 point/mile per dollar on credit cards, but not by much.
- Citi Rewards+® Card — This card is unique in that it rounds up to the nearest 10 points on all your purchases. It also earns 2x points at supermarkets and gas stations (on up to $6,000 per year, then 1 point per dollar). Cards like the Blue Cash Preferred® Card from American Express have the potential to earn you more rewards, but if you already have a Citi credit card and want to boost your Citi points balance, this card is worth a look.
- Bank of America® Travel Rewards credit card
— With this card, you’ll earn 1.5 points per dollar on every purchase. That’s not a bad return on spending, but this card — and other Bank of America cards — are most rewarding if you’re already a Bank of America customer and have enough money in qualifying counts to qualify for the Preferred Rewards program, which gets you bonus credit card rewards. - Bank of America® Unlimited Cash Rewards Credit Card
— This new card from Bank of America offers an unlimited 1.5% cash back on all purchases, and also offers up to 75% more rewards if you’re a Preferred Rewards member.
How we chose the best no-annual-fee credit cards
We reviewed dozens of no-annual-fee credit cards across all categories — cash back, travel, airline, hotel, and more — and narrowed our focus to cards that offer more than 1 point or mile per dollar on at least one category of purchase. We also looked at welcome bonuses, rewards caps (such as the $1,500 quarterly limit on the Chase Freedom Flex℠ and Discover it® Cash Back), and other fine print.
Why trust our recommendations?
At Personal Finance Insider, our goal is to help readers make the best decisions with their money. To that end, we spend hours comparing and contrasting the features and benefits of top credit cards so you don’t have to.
We understand that “best” can be subjective, so we also include information on where each credit card excels, and where it may fall short.
Many no-annual-fee cards tack on foreign transaction fees of anywhere from 3% to 5%, so they’re not a good choice if you’re traveling abroad. However, you still have options. For example, Discover and Capital One don’t add foreign transaction fees on any of their cards.
There are also a handful of other cards in this category — including hotel credit cards like the Hilton Honors American Express Card, Marriott Bonvoy Bold® Credit Card, and IHG® Rewards Traveler Credit Card.
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