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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 offꦅers. Here are some of our top picks.
Best no annual fee credit cards
- Citi® Double Cash Card
- Bank of America® Customized Cash Rewards credit card
- Wells Fargo Active Cash® Card
The boasts💎 some of the most impressive rewards out of all the no annual fee cards.&nb💙sp;
With this card, you can earn 5% cash back on Lyft purchases (through ꩵMarch 2025)ཧ and travel purchases through Chase Travel℠. You’ll also earn 3% back on dining and drugstore purchases and 1.5% on all other purchases.
Whether shopping for groceries, dining out, or booking flights, you’ll earn cash back on all your spending. There are also no rotating categories to keep track of, a good option for those who prefer simplicity. You can also earn a cash-back bonus after spending a certain amount in the first few months of opening the card.
The Freed🐎om Unlimited also has other valuable benefits, like a 0% introductory APR offer on purchases and balance transfers.
Citi® Double Cash Card
If you want an even more straightforward way to earn rewards, consider the Citi® Doubl🐽e 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. If you’re not interested in aligning your spending to maximize rewards and want to ear🌺n a decent cash-back rate on each purchase, this card may be the way to go.
You’ll also earn 5% b𓆏ack on hotels, car rentals, and attractions booked through the Citi Travel portal through Dec. 31, 2024.
Like the Freedom Unlimited, th♏e Double Cash card has a solid welcome bonus. It offers many ways to redeem your cashback, from statement credits to travel bookings to online shopping. You’ll also get access to Citi Entertainment, which offers availability to presale tickets, VIP experiences, and more.
Remember that though this card has an introductory༒ 0% APR offer on balance transfers, it doesn’t have one for new purchases.
The is ♊one of the best no-annual fee cards for those who enjoy dining out and ente🌱rtainment.
The SavorOne credit card provides an impressive ꦯcash-back rate of 10% on purchases made via Uber and Uber Eats (until Nov. 14, 2024). You can earn 8% cash back on Capital One Entertainment purchases, 5% on hotel and rental car bookings throu🐷gh Capital One Travel, and a consistent 3% cash back on dining, entertainment, popular streaming subscriptions, and grocery store purchases (excluding superstores). For all other purchases, you’ll earn 1% cash back.
The cashback you earn is unlimited and doesn’t expire, so you can accumulate rewards at your own pace. You can redeem cash back for a statement credit or to book travel through Capital One’s portal.
This card also has a 0% introductory APR offer on balance transfers and purchases and a solid welcome bonus if you spend a certain amount within the first few monthꦦs of opening the card.
Groceries and gas are significant expenses for most people. Luckily, the 👍offers elevated cash back in both categories.
Cardholders🌸 can 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%). You’ll earn 1% cash back on other purchases.
Cash back is received in the form of ﷽Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.
This card h🧜as a $0 introductory annual fee in the first year, and $95 annual fee after. See rates and fees.
The🔥se rewards make this card an excellent option for families who st🔯ock up at the supermarket. You’ll also get a Disney Bundle credit and a complimentary ShopRunner membership, which offers free two-day shipping and returns on items purchased with your card.
This card also has a 0% introductory APR offer on balance transfers and purchases. Remember that superstores like Walmart don’t count as a U.S. supermarkets and won’t earn that higher cash back rate. So, if you shop at wholesale clubs, you may want to consider a different card offering grocery rewards.
Bank of America® Customized Cash Rewards credit card
Unlike other cards on this lis▨t, the Bank of America® Customized Cash Rewards credit card offers cash back tailored to your specific spending preferences.𓄧
The card lets you earn 3% cash back in a category of your choice, including gas, online shopping༒, dining, travel,♓ or home improvement. You can earn 2% cash back at grocery stores and wholesale clubs and 1% on all other purchases.
Keep in mind there’s a $2,500 spending limit on the combined 3% and 2% categories each quarter. After you𝄹 hit that limit, you’ll earn 1% in those categories. Assuming you don’t regularly spend over the cap, this card is a great way to make your rewards work for you.
This cardꦚ also has an introduct🦩ory 0% APR offer on balance transfers and purchases.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is another great op🍰tion for simple and reliable cash back.
With the Active Cash card, you can earn unlimited 2% cash rewards on purchases. That’s it — no bonus or rotating categories to worry about, no spending limits to work around. You’ll earn cash rewards on your spending no matter where you shop or what you buy.
Like other cards on this list, the Active Cash card offers an introductory 0% APR offer on balance transfers and purchases. It also boasts a relatively low threshold to earn the we🅺lcome bonus.
The is another card that👍 earns unlimited cash bac𝄹k on every purchase.
While its flat-rate rewards aren’t as substantial as the Wells Fargo൩ Active Cash® Card or th❀e Citi® Double Cash Card, this may be a good option if you already bank with Capital One.
You can earn an unlimited 1.5% cash back on every purchase without any🔥 rotating categories or spending caps to worry about. You’ll also earn 5% back on hotels and rental cars booked through Capi💞tal One Travel.
This Quicksilver card also boasts a generous sign-up bonus, offering new cardholders a cash reward after spending a certain amount. You can also enjoy a 0% introductory APR on purchases and balance transfers for a set period, saving you o🍌n interest charges.
Should you get a credit card with no annual fee?
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. You don’t have to worry about using all of the card’s perks to offset the annual cost – you can just swipe and earn rewa𒈔rds.
Most cards with no annual fee are cash back cards. These cards offer a more streamlined way to♒ earn rewards without the complexities🍸 of points or miles. But in exchange, you often get more limited redemption options, and many of these cards don’t come with travel perks.
If you travel regularly or want to earn points or miles, consider a card with an annual fee. You can often balance 🎃out the card’s yearly cost with the travel credits or reward𝔉s that come with it.
Cards with annual fees also often offer premium perks, like airport lounge access or higher reward rates on specific categories, making them a good choice for those who can fully use the card’s features.
Consider your spending habits, financial goals, and the card’s benefits. If you frequently use cards and spend a significant amount, a card with an annual fee might be worth it if it provides substantial rewards or perks that align with your needs. But if you rarely use a card or prefer simplicity, a no-fee card can save you money without sacrificing primary benefits.
The bottom line
The best credit cards with no annual fee offer a low-stress way to earn rewards on your spending꧂. That way, you can spend more time earning and using rewards and less worrying about the annual fee.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please vဣisit for more details. Underwritten by Amex Assurance Company
Opinions expressed are author’s alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.