If you’re looking for the Best No Annual Fee Credit Cards, you’re in the right place. These credit cards offer numerous benefits like cashback, free miles, and introductory 0% APR offers, all without charging you an annual fee.
Whether you’re a frequent traveler, a foodie, or just looking to save money on everyday purchases, there’s a perfect card for you.
In this article, we’ve highlighted the top no annual fee credit cards that provide great rewards, bonuses, and perks—ensuring you get the most out of your spending without the burden of extra costs. Read on to discover the best options available.
7 Best No Annual Fee Credit Cards
1. Discover it® Cash Back
- Key Fact: With Discover promotions, earn 5% cashback on rotating categories like grocery stores and wholesale clubs (up to $1,500 per quarter, activation required).
- Rewards Breakdown:
- With 5% cashback on quarterly rotating categories, this card stands out as one of the best no annual fee credit cards.
- 1% cashback on all other purchases.
- Best For: Consumers who can activate and maximize quarterly bonus categories.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 18.24% – 27.24% Variable.
- Good to Know: Discover matches all the cashback earned at the end of your first year.
- Overview: A dynamic card offering substantial rewards in rotating categories, ideal for those who can keep up with quarterly activations.
- Bonuses: First-year cashback match.
- How to Get the Bonus: Activate each quarter’s bonus category using this link and earn cashback; Discover will match it at the end of your first year.
2. Chase Freedom Unlimited®
- Key Fact: Earn unlimited 1.5% cashback on all purchases, with 3% on dining and drugstore purchases, and 5% on travel purchased through Chase Travel.
- Rewards Breakdown:
- 5% on travel via Chase Travel.
- 3% on dining and drugstores.
- 1.5% on all other purchases.
- Best For: Those seeking a straightforward cashback card with bonus categories.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 18.99% – 28.49% Variable.
- Good to Know: Includes a 3-month DashPass subscription for food delivery services.
- Overview: A versatile card offering high cashback rates across various categories, with added benefits for food delivery.
- Bonuses: $200 after spending $500 in the first 3 months.
- How to Get the Bonus: Use this link and meet the minimum spending requirement within the first 3 months.
3. Capital One Quicksilver Cash Rewards Credit Card
- Key Fact: Earn unlimited 1.5% cashback on every purchase, every day.
- Rewards Breakdown:
- 1.5% on all purchases.
- 1.5% on all purchases.
- Best For: Individuals seeking simplicity and consistency in cashback earnings.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 19.24% – 29.24% Variable.
- Good to Know: No foreign transaction fees, making it suitable for international use.
- Overview: A straightforward cashback card with no rotating categories or enrollment required.
- Bonuses: Under Capital One promotions get $200 after spending $500 in the first 3 months.
- How to Get the Bonus: Use the referral code/link and meet the spending requirement within the first three months to qualify.
4. Blue Cash Everyday® Card from American Express
- Key Fact: Earn 3% cashback at U.S. supermarkets (up to $6,000 per year), 2% at U.S. gas stations and select U.S. department stores, and 1% on other purchases.
- Rewards Breakdown:
- 3% at U.S. supermarkets.
- 2% at U.S. gas stations and select U.S. department stores.
- 1% on other purchases.
- Best For: Families and individuals who frequently shop at U.S. supermarkets and gas stations.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases.
- Regular APR: 18.24% – 29.24% Variable.
- Good to Know: Cashback is received as Reward Dollars, which can be redeemed for statement credits, providing a seamless way to earn passive income.
- Overview: A great option for everyday spending, offering high cashback rates on common expenses.
- Bonuses: $200 after spending $2,000 in the first 6 months.
- How to Get the Bonus: Achieve the spending threshold within the first 6 months after using the link.
5. Citi Custom Cash® Card
- Key Fact: Earn 5% cashback on your top eligible spend category (up to $500 per billing cycle), and 1% on other purchases.
- Rewards Breakdown:
- 5% on top eligible category.
- 1% on other purchases.
- Best For: Those with fluctuating spending habits who want to earn higher sign up bonuses and rewards in their top category.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 18.49% – 28.49% (Variable).
- Good to Know: With no annual fee, rewards are earned based on your top spending category, which adjusts each billing cycle—offering flexibility for consumers with changing spending habits.
- Overview: This is a smart card for those who want to earn high cashback in the category where they spend most often without being tied to rotating categories.
- Bonuses: $200 in cash back after spending $1,500 in the first 6 months of account opening.
- How to Get the Bonus: Spend $1,500 within the first 6 months to unlock the bonus.
6. Capital One SavorOne Cash Rewards Credit Card
- Key Fact: Earn 3% cashback on dining, entertainment, and popular streaming services with no annual fee.
- Rewards Breakdown:
- 3% cashback on dining and entertainment, including popular streaming services.
- 1% on all other purchases.
- Best For: Foodies and entertainment enthusiasts who want to maximize cashback on dining and leisure activities.
- Card Details:
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases.
- Regular APR: 19.24% – 29.24% (Variable).
- Good to Know: As one of the best no annual fee credit cards, this card provides rewards for both dining and entertainment—making it a great way to earn on everyday fun and activities.
- Overview: This card is a fantastic option for those who dine out frequently or enjoy entertainment activities, offering higher cashback rates in these categories.
- Bonuses: $200 after spending $500 in the first 3 months. Additionally, with the Capital One referral bonus, you can earn up to $4,500 annually by referring friends using 9 different Capital One credit cards.
- How to Get the Bonus: Use Capital one promo code and spend $500 in the first 3 months to earn $200 in cash back.
7. American Express® Green Card
- Key Fact: Earn 3x Membership Rewards® points on dining, travel, and transit.
- Rewards Breakdown:
- 3x points on dining, travel, and transit.
- 1x point on all other purchases.
- Best For: Frequent travelers and diners who want to earn rewards for common, everyday purchases while also benefiting from travel-related perks.
- Card Details:
- Annual Fee: $0 for the first year, then $150.
- Intro APR: N/A
- Regular APR: 16.99% – 23.99% Variable.
- Good to Know: While it does have an annual fee after the first year, it offers fantastic benefits for travelers, including enhanced earning potential on travel-related purchases.
- Overview: A strong contender for those who often travel or dine out, this among the best no annual fee credit cards provides the opportunity to earn travel rewards for a broad spectrum of spending categories.
- Bonuses: 30,000 Membership Rewards points after you spend $2,000 on eligible purchases within the first 3 months.
- How to Get the Bonus: Meet the spending requirement within the first 3 months to earn the points.
Conclusion
When selecting the Best No Annual Fee Credit Cards, it’s important to consider your specific spending patterns and needs. Whether you’re seeking cashback on groceries, travel miles, or a 0% APR offer for a large purchase, these cards allow you to maximize rewards without the burden of an annual fee.
The Best No Annual Fee Credit Cards come with various benefits, ensuring there’s a card that suits every budget and lifestyle. With no annual fees, generous rewards, and bonus offers, these cards offer excellent value to savvy consumers.
Faqs
What are the benefits of a No Annual Fee Credit Card?
No annual fee credit cards allow you to earn rewards, cashback, or travel miles without the cost of a yearly fee. They are ideal for those who want to enjoy the perks of credit cards while avoiding extra charges.
Can I get a No Annual Fee Credit Card with bad credit?
Yes, some no annual fee credit cards are available for those with bad or limited credit. However, these cards may offer fewer rewards and come with higher interest rates compared to cards for those with excellent credit.
Are No Annual Fee Credit Cards worth it?
Yes, they are great for people who don’t want to pay extra fees but still want to earn rewards. The best no annual fee credit cards offer cashback, points, or miles with zero annual costs, making them a smart choice for everyday spending.