Want the benefits of a credit card without the fees? You’re in luck. No annual fee credit cards are a great option to earn rewards without paying a yearly fee. This is especially beneficial if you use the card sparingly or if you’re looking to lower costs. Many of today’s best no-fee cards include travel benefits, welcome bonuses, and introductory 0% APR offers. Here are some of our top picks.
- Chase Freedom Unlimited®
- Citi® Double Cash Card
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Everyday® Card from American Express
- Bank of America® Customized Cash Rewards credit card
- Wells Fargo Active Cash® Card
- Capital One Quicksilver Cash Rewards Credit Card
The Chase Freedom Unlimited boasts some of the most impressive rewards out of all the no annual fee cards. With this card, you can earn 5% cash back on Lyft purchases (through March 2025) and travel purchases through Chase Ultimate Rewards. You’ll also earn 3% back on dining and drugstore purchases and 1.5% on all other purchases.
If you want an even more straightforward way to earn rewards, consider the Citi Double Cash Card. With this card, you can earn cash back twice on every purchase: 1% when you make the purchase and an additional 1% when you pay it off.
The Capital One SavorOne Cash Rewards Credit Card is one of the best no-annual fee cards for those who enjoy dining out and entertainment. The SavorOne credit card provides an impressive cash-back rate of 10% on purchases made via Uber and Uber Eats (until Nov. 24, 2024).
The Blue Cash Everyday Card from American Express offers elevated cash back in both groceries and gas, making it an excellent card for families who stock up at the supermarket. You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%).
The Bank of America Customized Cash Rewards credit card offers cash back tailored to your specific spending preferences, allowing you to earn 3% cash back in a category of your choice, including gas, online shopping, dining, travel, or home improvement.
The Wells Fargo Active Cash Card allows you to earn unlimited 2% cash back on all purchases. That’s it — no bonus or rotating categories to worry about, no spending limits to work around.
The Capital One Quicksilver Cash Rewards Credit Card earns unlimited cash back on every purchase. You can earn an unlimited 1.5% cash back on every purchase without any rotating categories or spending caps to worry about.
A credit card with no annual fee is smart for those who use credit cards for everyday purchases and want to maximize their rewards without paying added fees. Most cards with no annual fee are cash back cards, offering a more streamlined way to earn rewards without the complexities of points or miles.
