Top 10 No Annual Fee Cards
The Top 10 No Annual Fee Cards include options like the Savor Cash Rewards Credit Card, which offers generous cash back on dining and entertainment. The Chase Freedom Unlimited provides unlimited 1.5% cash back on all purchases, making it a versatile choice for everyday spending. The Citi® / American Airlines AAdvantage MileUp℠ MasterCard allows users to earn miles on purchases, ideal for frequent travelers. These cards cater to various spending habits, offering rewards without the burden of annual fees, making them attractive for budget-conscious consumers.
The Savor Cash Rewards Credit Card offers generous cash back on dining and entertainment, making it ideal for foodies and social butterflies. Chase Freedom Unlimited provides unlimited cash back on all purchases, with a bonus for new cardholders, making it a versatile choice for everyday spending. The Hilton Honors American Express Card allows users to earn points on hotel stays and everyday purchases, perfect for frequent travelers seeking rewards. The Citi® / American Airlines AAdvantage MileUp℠ MasterCard is tailored for airline enthusiasts, offering miles on grocery and American Airlines purchases, which can be redeemed for flights. Lastly, the Capital One VentureOne Rewards Credit Card provides unlimited miles on every purchase, with no foreign transaction fees, making it a great option for travelers looking to earn rewards without an annual fee.
Citi® Double Cash CardView AllCiti® Double Cash Card - Earn 2% cash back on all purchases with no annual fee.
Savor cash Rewards credit cardView AllSavor cash Rewards credit card - Cashback on dining and entertainment, no annual fee.
Capital One VentureOne Rewards credit cardView AllCapital One VentureOne Rewards credit card - Earn unlimited 1.25x miles on every purchase with no annual fee.
Chase Freedom UnlimitedView AllChase Freedom Unlimited - Cashback rewards, no annual fee, versatile spending categories.
Hilton Honors American Express CardView AllHilton Honors American Express Card - No annual fee, rewards on Hilton stays and purchases.
Discover it cash backView AllDiscover it cash back - Discover it Cash Back offers rotating 5% cash back categories and no annual fee.
Citi® / American Airlines AAdvantage MileUp℠ MasterCardView AllCiti® / American Airlines AAdvantage MileUp℠ MasterCard - Earn miles on purchases with no annual fee and enjoy travel benefits.
Blue Cash Everyday® CardView AllBlue Cash Everyday® Card - Cashback rewards on everyday purchases, no annual fee.
Bank of America® Travel Rewards Credit CardView AllBank of America® Travel Rewards Credit Card - No annual fee, earn unlimited 1.5x points on all purchases for travel rewards.
Bilt Mastercard Credit CardView AllBilt Mastercard Credit Card - Bilt Mastercard offers rent rewards, no annual fee, and flexible payment options.
Top 10 No Annual Fee Cards
1.
Citi® Double Cash Card
The Citi® Double Cash Card offers a straightforward rewards structure that allows cardholders to earn 2% cash back on every purchase—1% when you buy and an additional 1% when you pay off those purchases. This card has no annual fee, making it an attractive option for those looking to maximize their cash back without incurring extra costs. Additionally, it features a 0% introductory APR on balance transfers for the first 18 months, providing flexibility for managing existing debt. Overall, it combines simplicity and value for everyday spending.
Pros
Cash back on all purchases- No annual fee
- Simple rewards structure
Cons
Limited bonus categories- Foreign transaction fees apply
- No sign-up bonus offered
- Requires good to excellent credit
- Redemption options can be complex
2.
Savor cash Rewards credit card
The Savor Cash Rewards Credit Card is designed for food lovers and entertainment enthusiasts, offering generous cash back rewards on dining and entertainment purchases. Cardholders earn unlimited 4% cash back on dining, including takeout and delivery, as well as on entertainment expenses like concerts and movies. Additionally, the card provides 2% cash back at grocery stores and 1% on all other purchases. With no annual fee, it is an attractive option for those who want to maximize their rewards without incurring extra costs. The card also features a one-time cash bonus for new cardholders who meet spending requirements within the first few months.
Pros
- Unlimited cash back on dining and entertainment
- No annual fee
- Introductory bonus offer available
- Flexible redemption options
- No foreign transaction fees
Cons
- High foreign transaction fees
- Limited rewards outside dining and entertainment
3.
Capital One VentureOne Rewards credit card
The Capital One VentureOne Rewards Credit Card is an appealing option for those seeking travel rewards without the burden of an annual fee. Cardholders earn 1.25 miles per dollar spent on all purchases, making it easy to accumulate rewards for future travel. Additionally, the card offers a one-time bonus of miles after meeting a specified spending requirement within the first few months. With no foreign transaction fees, it is ideal for international travelers. The card also provides access to travel accident insurance and 24-hour travel assistance services, enhancing its value for frequent flyers and adventure seekers alike.
Pros
- No annual fee
- Earn unlimited 1.25 miles per dollar
- Travel rewards flexibility
- No foreign transaction fees
- Introductory bonus miles available
Cons
- Limited travel benefits compared to premium cards
- Foreign transaction fees apply
- Lower rewards rate on non-travel purchases
- No introductory bonus offer
- Requires good to excellent credit for approval
4.
Chase Freedom Unlimited
Chase Freedom Unlimited is a popular cash back credit card that offers a straightforward rewards structure with no annual fee. Cardholders earn 1.5% cash back on every purchase, making it an excellent choice for everyday spending. Additionally, it features a generous introductory offer, providing new users with a bonus cash back after meeting a specified spending threshold within the first few months. The card also includes benefits like purchase protection and extended warranty coverage, enhancing its value for consumers looking for a reliable and rewarding credit card option.
Pros
- Cash back on all purchases
- No annual fee
- Introductory bonus offer
Cons
- Limited bonus categories
- Foreign transaction fees
- Lower rewards on some purchases
5.
Hilton Honors American Express Card
The Hilton Honors American Express Card is a popular choice for travelers seeking rewards without an annual fee. Cardholders earn points on everyday purchases, with enhanced rewards for spending at Hilton hotels and restaurants. The card offers benefits such as complimentary Hilton Honors Silver status, which includes perks like room upgrades and late check-out. Additionally, users can enjoy no foreign transaction fees, making it a great option for international travel. With a straightforward rewards structure and valuable travel benefits, this card is ideal for Hilton loyalists and frequent travelers alike.
Pros
- No annual fee
- Earn Hilton Honors points on every purchase
- Complimentary Hilton Honors Silver status
- No foreign transaction fees
- Access to exclusive Hilton promotions
Cons
- Limited rewards outside Hilton
- High foreign transaction fees
- Basic benefits
6.
Discover it cash back
The Discover it Cash Back card is a popular choice for those seeking a no annual fee credit card that offers generous rewards. Cardholders earn 5% cash back on rotating categories each quarter, such as groceries, gas, and restaurants, up to a quarterly maximum, and 1% on all other purchases. Additionally, Discover matches all cash back earned in the first year, providing an excellent incentive for new users. The card also features no foreign transaction fees, making it a great option for travelers. With a user-friendly mobile app and access to free credit score monitoring, it offers valuable tools for managing finances.
Pros
- Cash back on rotating categories
- No annual fee
- Unlimited 1% cash back on all other purchases
- Cashback match for the first year
- Easy-to-use mobile app for tracking rewards
Cons
- Limited acceptance internationally
- Lower rewards in non-bonus categories
7.
Citi® / American Airlines AAdvantage MileUp℠ MasterCard
The Citi® / American Airlines AAdvantage MileUp℠ MasterCard is a travel rewards credit card designed for frequent flyers and those who want to earn miles without an annual fee. Cardholders earn 2 miles per dollar spent on eligible American Airlines purchases and at grocery stores, making it a great option for everyday spending. Additionally, users earn 1 mile per dollar on all other purchases. The card offers a welcome bonus of miles after meeting a specified spending requirement within the first few months. With no foreign transaction fees, it is ideal for international travelers looking to maximize their rewards.
Pros
- Earn 2 AAdvantage miles per dollar on grocery purchases
- No annual fee
- 25% inflight savings on food and beverages
- First checked bag free on domestic flights
- Access to AAdvantage loyalty program benefits
Cons
- Limited travel perks
- High foreign transaction fees
- Average rewards rate
8.
Blue Cash Everyday® Card
The Blue Cash Everyday® Card from American Express is a popular choice for those seeking a no annual fee credit card that offers cash back rewards. Cardholders earn 3% cash back on purchases at U.S. supermarkets, up to a certain limit, and 2% on U.S. gas station purchases and select U.S. department stores. Additionally, all other purchases earn 1% cash back. The card also features a welcome offer for new members, providing an opportunity to earn extra cash back within the first few months of account opening. With no annual fee and flexible rewards, it is ideal for everyday spending.
Pros
- Cash back on everyday purchases
- No annual fee
- Introductory 0% APR on purchases
- Rewards for grocery shopping
- Flexible redemption options
Cons
- Limited rewards on non-supermarket purchases
- Foreign transaction fees apply
- Lower cashback rates on certain categories
- Requires good credit for approval
- No introductory APR on balance transfers
9.
Bank of America® Travel Rewards Credit Card
The Bank of America® Travel Rewards Credit Card is an excellent choice for travelers seeking a no annual fee option. It offers unlimited 1.5 points per dollar spent on all purchases, with no expiration on points. New cardholders can earn a generous sign-up bonus after meeting a specified spending requirement in the first 90 days. The card also features no foreign transaction fees, making it ideal for international travel. Additionally, cardholders can redeem points for travel expenses, providing flexibility and value for their rewards.
Pros
- No annual fee
- Earn unlimited 1.5x points on all purchases
- No foreign transaction fees
- Flexible redemption options for travel
- Introductory bonus points offer
Cons
- Limited bonus categories for earning rewards
- Foreign transaction fees apply
- Lower rewards rate on non-travel purchases
- No introductory APR offer
- Redemption options can be limited
10.
Bilt Mastercard Credit Card
The Bilt Mastercard Credit Card is a unique offering designed for renters, allowing them to earn rewards on rent payments without incurring any fees. Cardholders can earn points on every purchase, including rent, dining, travel, and more, with no annual fee. The card also provides the opportunity to build credit history by reporting payments to major credit bureaus. Additionally, Bilt offers a flexible rewards program, enabling users to redeem points for travel, cash back, or even rent payments. With its focus on renters and no annual fee, the Bilt Mastercard is an attractive option for those looking to maximize their spending power.
Pros
- No annual fee
- Earn points on rent payments
- Flexible redemption options
Cons
- Limited rewards categories compared to other cards
- No introductory bonus offer
- Requires a Bilt account for full benefits
- High APR for carrying a balance
- Limited acceptance for rent payments outside of participating landlords