Best No Annual Fee Credit Cards
Maximize rewards without the yearly cost. Our experts have selected the top no annual fee credit cards that offer exceptional value, generous rewards, and premium benefits—all without charging you a penny in annual fees.
Capital One Savor Cash Rewards Credit Card
The ultimate dining and entertainment card with no annual fee. Earn unlimited cash back on your favorite experiences while enjoying premium benefits typically reserved for fee-based cards.
Premium Benefits
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars through Capital One Travel
- 3% cash back on dining, entertainment, streaming, and grocery stores
- 1% cash back on all other purchases
- Welcome Bonus: Earn $200 cash back after spending $500 in first 3 months
- APR: 19.24% – 29.24% variable
- Credit score: Good to Excellent (670+)
- Expert rating: 4.9/5 ⭐⭐⭐⭐⭐
Blue Cash Everyday® Card from American Express
America's favorite everyday cash back card. Earn exceptional rewards on essential purchases like groceries, gas, and online shopping—with the security and service excellence of American Express.
Everyday Rewards
- 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%)
- 3% cash back at U.S. gas stations (up to $6,000/year, then 1%)
- 3% cash back on U.S. online retail purchases (up to $6,000/year, then 1%)
- 1% cash back on all other purchases
- Welcome Bonus: Earn $200 after spending $2,000 in first 6 months
- APR: 20.24% – 29.24% variable
- Credit score: Good to Excellent
- Expert rating: 4.8/5 ⭐⭐⭐⭐⭐
Discover it® Cash Back
The only card that matches all your cash back earned in your first year. Enjoy rotating 5% categories and industry-leading customer service with 100% U.S.-based support.
Rotating Categories
- 5% cash back on rotating categories (up to $1,500/quarter, then 1%)
- 1% cash back on all other purchases
- Cashback Match: Discover matches all cash back earned in first year
- 0% intro APR on purchases and balance transfers for 15 months
- No foreign transaction fees
- Free FICO® Credit Score tracking
- Credit score: Good to Excellent
- Expert rating: 4.7/5 ⭐⭐⭐⭐⭐
Chase Freedom Unlimited®
Unlimited cash back on every purchase, every day. Earn valuable Ultimate Rewards® points that can be redeemed for cash back, travel, or transferred to Chase travel partners for maximum value.
Ultimate Rewards
- 5% cash back on travel purchased through Chase Ultimate Rewards®
- 3% cash back on dining and drugstore purchases
- 1.5% cash back on all other purchases
- Welcome Bonus: Earn $200 after spending $500 in first 3 months
- 0% intro APR on purchases for 15 months
- Points transfer to airline and hotel partners
- Credit score: Good to Excellent (670+)
- Expert rating: 4.8/5 ⭐⭐⭐⭐⭐
Wells Fargo Active Cash® Card
Simplicity meets value with unlimited 2% cash rewards on every purchase. No categories to track, no caps to worry about—just straightforward, high-value rewards on everything you buy.
Simple Rewards
- 2% cash rewards on all purchases with no limits or categories
- Welcome Bonus: Earn $200 cash rewards after spending $1,000 in first 3 months
- 0% intro APR on purchases and qualifying balance transfers for 15 months
- No foreign transaction fees
- Cell phone protection up to $600 per claim
- 24/7 fraud monitoring and zero liability protection
- Credit score: Good to Excellent (670+)
- Expert rating: 4.6/5 ⭐⭐⭐⭐⭐
Capital One VentureOne Rewards Credit Card
Great for occasional travelers looking to earn miles on every purchase with no annual fee and solid travel perks.
Features
- 5 Miles per $1 on hotels and rental cars booked through Capital One Travel
- 1.25 Miles per $1 on every purchase, every day
- Intro offer: 20,000 miles
- APR: 19.24% – 29.24% variable
- Credit score: Good to Excellent (670–850)
- User rating: 4.1
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