Credit cards
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The best no-annual-fee credit cards offer cash back, travel credits and other perks — and can be a great way to maximize your rewards while minimizing costs. And since there’s no shortage of quality cards to choose from, you might even find that having more than one cash-back card will offer you even more opportunities to earn rewards that you can redeem as you see fit.
TPG editors have curated this list of top picks that feature cards with generous rates of cash back across multiple categories like dining, entertainment, office supplies and more. Here are the best no-annual-fee credit cards from our partners.
We included cards that feature welcome bonuses with achievable minimum spend thresholds to fit a variety of budgets.
The best part of having a no annual fee card is that you’re still eligible to earn rewards without the need to pay a fee to be a cardholder.
We chose no annual fee cards that feature popular bonus categories to help you maximize the amount of rewards you earn.
Our picks provide different ways to redeem rewards, whether you’ve accrued points, miles or cash back.
The best no annual fee cards offer additional benefits, including but not limited to simple earning structures and no foreign transaction fees.
For many credit card users, finding a card with solid rewards is a top priority. According to a TPG newsletter survey, 29% of TPG readers like a card that offers strong rewards, but carries no annual fee. Luckily, there are plenty of cards that are perfect for earning points and miles without the added worry of an annual fee. Whether you’re looking to earn points for your next adventure or secure the best cash-back value, there is a no-annual-fee card that is right for your wallet.
To choose which no annual fee credit card is best for you, decide what types of rewards you want to earn — miles, points, or cash back — and in which categories you spend the most money.
Here are some of the main points to consider when choosing a no annual fee credit card:
Choose a no annual fee card that provides the opportunity to earn a sign-up bonus, as these are typically a great way to boost your cash back, points or miles rewards. Another plus? No annual fee cards don’t usually have high spend requirements in order to obtain a sign-up bonus making it even easier to increase your reward amount.
The beauty of a no annual fee card is that you don’t have to worry about paying to keep it in your wallet. And you still get the added benefits of earning points, miles and cash back like you would with a more premium card, to boot.
Our picks feature decent earning rates across several bonus categories, ensuring there’s a good fit for those looking to maximize rewards without paying an annual fee on a credit card.
Strategies without an annual fee
You’ll see us say this a lot because, frankly, it’s the truth: the best credit cards — whether we’re talking about the best airline, grocery or no annual fee credit cards — are the ones that align with your financial goals and spending habits.
The best no annual fee credit card for you might be one that earns a flat-rate on all purchases if you don’t want to track rotating cash back categories. If you don’t mind tracking and activating rotating categories, then you may want to opt in for a no annual fee card that features higher earning rates you have to track on a monthly or quarterly basis.
The application process for a no annual fee credit card is straightforward. You can click on any of the ‘Apply Now’ links on this page to get started.
No annual fee credit cards are excellent for those who want to get involved in the credit card rewards game as well as those who want to earn cash back or points without the added expense of an annual fee.
There are a couple of great no annual fee cards that offer killer rewards, such as the Capital One Savor Cash Rewards Credit Card (see rates and fees). The Savor offers cardholders 8% cash back on Capital One entertainment purchases, 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel and 3% cash back on dining, entertainment, select streaming services and grocery stores (excluding Walmart® and Target®).
If any of the above are categories you frequently spend in, the Savor may be a solid no annual fee credit card to add to your wallet.
It’s possible to downgrade a credit card with a fee to a no-fee card by calling your issuer’s customer service line and requesting this change. The phone number can usually be found on the back of your current card.
It depends. If you’re interested in having an annual fee on a credit card waived, you can call your issuer’s customer service department and ask if they’d be willing to waive the annual fee in order to keep you as a cardholder.
That being said, the decision will be up to the representative you speak with; they may tell you they can waive the fee for a year, or they may say they can’t waive an annual fee, even if that means losing you as a customer.
If you don’t want to worry about annual fees, consider applying for one of the cards on this list. Several options include decent welcome offers, earning categories and even unlimited cash back — all for no annual fee.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Gabrielle Bernardini is the senior points and miles editor at TPG. Joining the team in 2023, she focuses on helping people utilize their credit card rewards to travel for less.
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
 Chase Freedom Unlimited® | flexible cash rewards | Earn $200 cash back | 1.5 - 5% cash-back | $0 | at Chase's secure siteSee detailsSee rates & fees |
 Capital One VentureOne Rewards Credit Card | airline transfer partners | Earn a bonus of 20,000 miles | 1.25 - 5X miles | $0 | at Capital One's secure siteSee detailsSee rates & fees |
 Ink Business Unlimited® Credit Card | freelancers | Earn $750 bonus cash back | 1.5% cash-back | $0 | at Chase's secure siteSee detailsSee rates & fees |
 Wells Fargo Autograph® Card | Quality perks for no annual fee | 20,000 bonus points | 1 - 3X points | $0 | at Wells Fargo's secure siteSee detailsSee rates & fees |
Limited Time: Best Offer Ever  United Gateway℠ Card | no annual fee airline card | Earn up to 50,000 miles | 1 - 5X miles | $0 | at Chase's secure siteSee detailsSee rates & fees |
 Ink Business Cash® Credit Card | office supplies | Earn $750 bonus cash back | 1 - 5% cash-back | $0 | at Chase's secure siteSee detailsSee rates & fees |
 Blue Cash Everyday® Card from American Express | beginner cash back | As High As $200 Cash Back. Find Out Your Offer. | 1 - 3% cash-back | $0 | at American Express's secure siteSee detailsSee rates & fees |
 Capital One Savor Cash Rewards Credit Card | dining and entertainment | Earn $200 Cash Back | 1 - 8% cash-back | $0 | at Capital One's secure siteSee detailsSee rates & fees |
 Bank of America® Travel Rewards credit card at Bank of America's secure site | existing Bank of America customers | 25,000 points | 1.5 - 3X points | $0 | at Bank of America's secure siteSee details |
 Bilt Blue Card | earning rewards on rent and mortgage payments with no annual fee | $100 of Bilt Cash | 1 - 1.25X points | $0 | at Bilt's secure siteSee detailsSee rates & fees |
 Discover it® Cash Back | maximizing rotating categories | Earn Unlimited Cashback Match™ + $200 | 1 - 5% cash-back | $0 | at Capital One's secure siteSee detailsSee rates & fees |
 Bank of America® Customized Cash Rewards credit card at Bank of America's secure site | customizable rewards structure | $200 | 1 - 6% cash-back | $0 | at Bank of America's secure siteSee details |
 Citi Strata℠ Card | Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card | Earn 20,000 bonus Points | 1 - 5X points | $0 | at Citi's secure siteSee detailsSee rates & fees |
 The Blue Business® Plus Credit Card from American Express | no annual fee Amex card | As High As 50,000 points. Find Out Your Offer. | 2X points | No annual fee | at American Express's secure siteSee detailsSee rates & fees |
Limited-Time Offer  Hilton Honors American Express Card | no annual fee hotel card | Earn 70,000 Bonus Points plus a Free Night Reward | 3 - 7X points | $0 | at American Express's secure siteSee detailsSee rates & fees |
 Chase Freedom Flex® | rotating bonus categories | $200 bonus | 1 - 5% cash-back | $0 | at Chase's secure siteSee detailsSee rates & fees |
Best for flexible cash rewards
| Rate | Category |
|---|---|
| 5% | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. |
| 1.5% | 1.5% cash back on all other purchases. |
Earn $200 cash back
$0
18.49% - 27.99% Variable
670-850
The Chase Freedom Unlimited is a surprisingly powerful card that earns cash back on every purchase. However, it doubles in potential value if you pair it with a card that earns transferable Ultimate Rewards points. Read our full review of the Chase Freedom Unlimited.
The Chase Freedom Unlimited is a surprisingly powerful card that earns cash back on every purchase. However, it doubles in potential value if you pair it with a card that earns transferable Ultimate Rewards points. Read our full review of the Chase Freedom Unlimited.
Best for flexible cash rewards
Earn $200 cash back
$0
18.49% - 27.99% Variable
670-850
The Chase Freedom Unlimited is a surprisingly powerful card that earns cash back on every purchase. However, it doubles in potential value if you pair it with a card that earns transferable Ultimate Rewards points. Read our full review of the Chase Freedom Unlimited.
Best for airline transfer partners
| Rate | Category |
|---|---|
| 5X miles | Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 1.25X miles | Earn unlimited 1.25X miles on every purchase, every day |
Earn a bonus of 20,000 miles
$0
18.74% - 28.74% (Variable)
670-850
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple earning structure on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase. Read our full review of the Capital One VentureOne Rewards Credit Card.
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple earning structure on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase. Read our full review of the Capital One VentureOne Rewards Credit Card.
Best for airline transfer partners
Earn a bonus of 20,000 miles
$0
18.74% - 28.74% (Variable)
670-850
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple earning structure on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase. Read our full review of the Capital One VentureOne Rewards Credit Card.
Best for freelancers
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for freelancers
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for Quality perks for no annual fee
| Rate | Category |
|---|---|
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our full review of the Wells Fargo Autograph here.
The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our full review of the Wells Fargo Autograph here.
Best for Quality perks for no annual fee
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our full review of the Wells Fargo Autograph here.
Best for no annual fee airline card
| Rate | Category |
|---|---|
| 5x | Earn 5x total miles on eligible United flights. |
| 2x | Earn 2x miles on all other eligible United® purchases. |
| 2x | Earn 2x miles at gas stations, and on local transit and commuting. |
| 1x | Earn 1x mile on all other purchases. |
Earn up to 50,000 miles
$0
19.99% - 28.49% Variable
Good Credit, Excellent Credit
If you’re looking for an entry point into earning United miles, the United Gateway Card is a solid option. The sign-up bonus is a bit more valuable than many no-annual-fee cards out there, and you’re getting a solid rewards structure. Read our full review of the United Gateway Card.
If you’re looking for an entry point into earning United miles, the United Gateway Card is a solid option. The sign-up bonus is a bit more valuable than many no-annual-fee cards out there, and you’re getting a solid rewards structure. Read our full review of the United Gateway Card.
Best for no annual fee airline card
Earn up to 50,000 miles
$0
19.99% - 28.49% Variable
Good Credit, Excellent Credit
If you’re looking for an entry point into earning United miles, the United Gateway Card is a solid option. The sign-up bonus is a bit more valuable than many no-annual-fee cards out there, and you’re getting a solid rewards structure. Read our full review of the United Gateway Card.
Best for office supplies
| Rate | Category |
|---|---|
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. |
| 1% | Earn 1% cash back on all other purchases. |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Chase Ink Business Cash is an excellent no-annual-fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
The Chase Ink Business Cash is an excellent no-annual-fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
Best for office supplies
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Chase Ink Business Cash is an excellent no-annual-fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
Best for beginner cash back
| Rate | Category |
|---|---|
| 3% | Earn 3% Cash Back on Groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). 3% Cash Back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%) 3% Cash Back on Gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%). |
| 1% | Earn 1% Cash Back on all other eligible purchases. |
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Best for beginner cash back
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Best for dining and entertainment
| Rate | Category |
|---|---|
| 8% | Earn 8% cash back on Capital One Entertainment purchases |
| 5% | Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 3% | Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services |
| 1% | Earn 1% cash back on all other purchases |
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
The Capital One Savor Cash Rewards Credit Card is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
The Capital One Savor Cash Rewards Credit Card is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for dining and entertainment
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
The Capital One Savor Cash Rewards Credit Card is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for existing Bank of America customers
| Rate | Category |
|---|---|
| 3X | Earn 3 points per $1 spent on travel purchases booked through BofA Travel. |
| 1.5X | Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. |
25,000 points
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
If you’re just starting out with credit cards and travel rewards, the Bank of America Travel Rewards credit card is a great foundational card. There’s no annual fee or foreign transaction fees, making this the perfect card to take on your international travels. You’ll also earn points on every purchase, with no exceptions or point cap. Read our full review of the Bank of America Travel Rewards credit card.
If you’re just starting out with credit cards and travel rewards, the Bank of America Travel Rewards credit card is a great foundational card. There’s no annual fee or foreign transaction fees, making this the perfect card to take on your international travels. You’ll also earn points on every purchase, with no exceptions or point cap. Read our full review of the Bank of America Travel Rewards credit card.
Best for existing Bank of America customers
25,000 points
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
If you’re just starting out with credit cards and travel rewards, the Bank of America Travel Rewards credit card is a great foundational card. There’s no annual fee or foreign transaction fees, making this the perfect card to take on your international travels. You’ll also earn points on every purchase, with no exceptions or point cap. Read our full review of the Bank of America Travel Rewards credit card.
Best for earning rewards on rent and mortgage payments with no annual fee
| Rate | Category |
|---|---|
| 1.25X | Earn up to 1.25X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points on everyday purchases |
$100 of Bilt Cash
$0
26.99% - 34.99% variable
Good Credit, Excellent Credit
The Bilt Blue Card is designed for people who want a simple way to earn rewards on rent or mortgage payments while also earning on everyday purchases. With a straightforward earning structure and access to Bilt Neighborhood Benefits, it’s a strong entry point for those starting their rewards journey.
The Bilt Blue Card is designed for people who want a simple way to earn rewards on rent or mortgage payments while also earning on everyday purchases. With a straightforward earning structure and access to Bilt Neighborhood Benefits, it’s a strong entry point for those starting their rewards journey.
Best for earning rewards on rent and mortgage payments with no annual fee
$100 of Bilt Cash
$0
26.99% - 34.99% variable
Good Credit, Excellent Credit
The Bilt Blue Card is designed for people who want a simple way to earn rewards on rent or mortgage payments while also earning on everyday purchases. With a straightforward earning structure and access to Bilt Neighborhood Benefits, it’s a strong entry point for those starting their rewards journey.
Best for maximizing rotating categories
| Rate | Category |
|---|---|
| 5% | Earn 5% Cash Back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. |
| 1% | Earn 1% Cash Back on all other purchases. |
Earn Unlimited Cashback Match™ + $200
$0
18.74% - 28.74% (Variable)
670-850
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Best for maximizing rotating categories
Earn Unlimited Cashback Match™ + $200
$0
18.74% - 28.74% (Variable)
670-850
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Best for customizable rewards structure
| Rate | Category |
|---|---|
| 6% | Earn 6% cash back for the first year in the category of your choice. |
| 3% | Earn 3% cash back after the first year from account opening in your choice category. |
| 2% | Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
| 1% | Earn 1% cash back on all other purchases. |
$200
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 6% cash back (during the first year, then 3%) in the category of your choice each calendar month — from gas and EV charging stations, online shopping (including cable, streaming, internet, and phone services), dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. Read our full review of the Bank of American Customized Cash card.
While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 6% cash back (during the first year, then 3%) in the category of your choice each calendar month — from gas and EV charging stations, online shopping (including cable, streaming, internet, and phone services), dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. Read our full review of the Bank of American Customized Cash card.
Best for customizable rewards structure
$200
$0
17.74% - 27.74% Variable APR on purchases and balance transfers
670-850
While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 6% cash back (during the first year, then 3%) in the category of your choice each calendar month — from gas and EV charging stations, online shopping (including cable, streaming, internet, and phone services), dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) and 1% on everything else. Read our full review of the Bank of American Customized Cash card.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
| Rate | Category |
|---|---|
| 5X | Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com. |
| 3X | Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. |
| 3X | Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. |
| 2X | Earn 2 ThankYou® Points for each $1 spent at Restaurants. |
| 1X | Earn 1 ThankYou® Point for each $1 spent on All Other Purchases. |
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
The Citi Strata Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
The Citi Strata Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
The Citi Strata Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for no annual fee Amex card
| Rate | Category |
|---|---|
| 2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
As High As 50,000 points. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express.
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express.
Best for no annual fee Amex card
As High As 50,000 points. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express.
Best for no annual fee hotel card
| Rate | Category |
|---|---|
| 7X | Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 5X | Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for no annual fee hotel card
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for rotating bonus categories
| Rate | Category |
|---|---|
| 5% | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! |
| 5% | 5% cash back on travel purchased through Chase Travel℠. |
| 3% | 3% cash back on dining and drugstores. |
| 1% | 1% cash back on all other purchases. |
$200 bonus
$0
18.49% - 27.99% Variable
670-850
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
Best for rotating bonus categories
$200 bonus
$0
18.49% - 27.99% Variable
670-850
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
What's your favorite no annual fee card — and why?
“If you want a simple earning structure and don’t want to pay an annual fee, you’ll love the Freedom Unlimited. With at least 1.5% cash back on all purchases, you never have to worry about remembering which card to use where.”
“I get incredible value from the rotating bonus categories on the Freedom Flex, especially since I also have the Chase Sapphire Reserve® in my wallet. That means I can effectively earn 5 Chase points per dollar spent on up to $1,500 in select purchases every quarter after I enroll.”
“I love to combine the rewards I earn on the Ink Business Cash with the Ultimate Rewards points I earn on my Chase Sapphire Reserve®, allowing me to earn more valuable rewards without paying an additional annual fee.”
