Best no-annual-fee credit cards
Updated 2026-07-27Every card on this list charges $0 a year, so the real question is what you earn on top of nothing. Two of them pay a flat rate on everything you buy, and two pay extra in the categories where most people spend (dining, groceries, travel). Your pick comes down to whether you'd rather never think about which card to pull out, or earn more by matching the card to the purchase.
How we rank: We ranked these on everyday earn rate, how hard the sign-up bonus is to hit, the length of any 0% intro APR, and the extras (foreign transaction fees, phone protection) that separate a good $0 card from a forgettable one.
- 1$200 bonusCiti Double Cash® Card
Citi · Mastercard · No annual fee
Pays a flat 2% on every purchase (1% when you buy, 1% when you pay it off) for $0 a year, with a $200 cash back bonus after you spend $1,500 in the first 6 months.
2% base - 2$200 bonusWells Fargo Active Cash® Card
Wells Fargo · Visa · No annual fee
Matches the same unlimited 2% flat rate but clears its $200 bonus at just $500 in 3 months, adds 0% intro APR for 12 months, and covers your phone up to $600 (with a $25 deductible) when you pay the bill with the card.
2% base - 3$250 bonusCapital One Savor Cash Rewards Credit Card
Capital One · Mastercard · No annual fee
Trades the flat rate for 3% on dining, grocery stores, entertainment and streaming (1% on everything else), lands the biggest bonus here at $250 after $500 in 3 months, and charges no foreign transaction fee.
1% base3% Dining3% Entertainment3% Popular streaming services - 4$200 bonusChase Freedom Unlimited®
Chase · Visa · No annual fee
Earns 1.5% on everything plus 5% on travel booked through Chase Travel and 3% on dining and drugstores, and its 0% intro APR runs the longest on this list at 15 months.
1.5% base5% Travel purchased through Cha3% Dining at restaurants3% Drugstore purchases - 5$250 bonusAmerican Express Blue Business Cash
American Express · American Express · No annual fee
2% base - 615,000 points bonusAmerican Express Blue Business Plus
American Express · American Express · No annual fee
2x base - 740,000 points bonusFNBO Best Western Rewards
FNBO · Mastercard · No annual fee
2x base4x Best Western stays - 8$100 bonusPenFed Power Cash Rewards
PenFed · Visa · No annual fee
2% base - 930,000 points bonusU.S. Bank Altitude Connect
U.S. Bank · Visa · No annual fee
2x base5x travel_portal_prepaid_hotels4x travel4x gas_and_ev_charging - 1020,000 points bonusU.S. Bank Altitude Go
U.S. Bank · Visa · No annual fee
2x base4x dining - 1120,000 points bonusWells Fargo Autograph
Wells Fargo · Visa · No annual fee
2x base3x restaurants3x travel3x gas - 12$500 bonusWells Fargo Signify Business Cash
Wells Fargo · Mastercard · No annual fee
2% base - 13$300 bonusBarclays Upromise
Barclays · Mastercard · No annual fee
1.529% base - 1450,000 points bonusBank of America Business Advantage Travel Rewards
Bank of America · Mastercard · No annual fee
1.5x base3x Bank of America Travel Cente - 15$500 bonusBank of America Business Advantage Unlimited Cash
Bank of America · Mastercard · No annual fee
1.5% base - 1625,000 points bonusBank of America Travel Rewards
Bank of America · Visa · No annual fee
1.5x base3x travel booked through the Ba - 17$200 bonusBank of America Unlimited Cash Rewards
Bank of America · Visa · No annual fee
1.5% base2% all purchases - 18$200 bonusCapital One Quicksilver
Capital One · Visa · No annual fee
1.5% base5% Capital One Travel - hotels,5% Capital One Entertainment - 1950,000 points bonusCapital One VentureOne Business
Capital One · Visa · No annual fee
1.5x base5x Hotels, vacation rentals and - 2075,000 points bonusChase Ink Business Unlimited
Chase · Visa · No annual fee
1.5% base5% Lyft rides - 21PNC Cash Rewards Visa Signature Business
PNC · Visa · No annual fee
1.5% base - 22250 points bonusWells Fargo Expedia One Key
Wells Fargo · Mastercard · No annual fee
1.5% base3% Expedia, Hotels.com and Vrbo3% Gas stations3% Grocery stores - 2320,000 points bonusCapital One VentureOne
Capital One · Visa · No annual fee
1.25x base5x hotels, vacation rentals and5x Capital One Entertainment pu - 2410,000 miles bonusAmerican Express Delta SkyMiles Blue
American Express · American Express · No annual fee
1x base2x dining2x delta - 2580,000 points bonusAmerican Express Hilton Honors
American Express · American Express · No annual fee
1x base7x hilton5x us_restaurants_gas_supermark3x other - 26$25 bonusAmerican Express Rakuten
American Express · American Express · No annual fee
1% base4% Rakuten purchases10% Rakuten Dining2% Groceries and restaurants - 27$500 bonusBank of America Business Advantage Customized Cash
Bank of America · Mastercard · No annual fee
1% base3% choice category2% dining - 28$100 bonusBarclays AARP Essential Rewards
Barclays · Mastercard · No annual fee
1% base3% gas3% drugstore2% medical - 29$100 bonusBarclays AARP Travel Rewards
Barclays · Mastercard · No annual fee
1% base3% airfare, hotel stays and car2% restaurants - 3020,000 points bonusBarclays Carnival World Mastercard
Barclays · Mastercard · No annual fee
1x base2x Carnival Cruise Line purchas - 3110,000 miles bonusBarclays JetBlue
Barclays · Mastercard · No annual fee
1x base3x JetBlue purchases2x restaurants2x grocery stores - 3230,000 points bonusBarclays Wyndham Rewards Earner
Barclays · Visa · No annual fee
1x base5x Hotels by Wyndham3x Vacation Club, dining, groce - 335,000 points bonusBarclays Xbox
Barclays · Mastercard · No annual fee
1x base5x Digital Microsoft Store3x Eligible streaming services3x Eligible dining delivery ser - 34$750 bonusCapital One Spark 1.5% Cash Select
Capital One · Visa · No annual fee
1% base1.5% other5% travel - 35$150 bonusChase Amazon Prime
Chase · Visa · No annual fee
1% base5% Amazon.com5% Whole Foods Market5% Chase Travel - 36$150 bonusChase Disney
Chase · Visa · No annual fee
1% base - 3720,000 points bonusChase Freedom Flex
Chase · Mastercard · No annual fee
1% base5% quarterly rotating bonus cat5% travel purchased through Cha3% dining at restaurants, inclu - 3880,000 points bonusChase IHG Traveler
Chase · Mastercard · No annual fee
1x base5x ihg_hotels3x dining3x gas - 3975,000 points bonusChase Ink Business Cash
Chase · Visa · No annual fee
1% base5% office supply stores; intern2% gas stations and restaurants5% Lyft rides - 4060,000 points bonusChase Marriott Bonvoy Bold
Chase · Visa · No annual fee
1x base3x Hotels participating in Marr2x Grocery stores; internet, ca2x Rideshare - 4130,000 miles bonusChase United Gateway
Chase · Visa · No annual fee
1x base2x United purchases2x Local transit and commuting2x Gas stations - 4215,000 miles bonusCiti AAdvantage MileUp
Citi · Mastercard · No annual fee
1x base2x grocery stores2x eligible American Airlines p - 43$250 bonusCiti AT&T Points Plus
Citi · Mastercard · No annual fee
1x base3x gas and EV charging stations2x AT&T products and services2x grocery stores - 4420,000 points bonusCiti Strata
Citi · Mastercard · No annual fee
1x base5x Travel booked on cititravel.3x Supermarkets3x Select transit and gas & EV - 45$100 bonusComenity AAA Daily Advantage
Comenity · Visa · No annual fee
1% base5% grocery stores3% gas and EV charging, wholesa - 46$100 bonusComenity AAA Travel Advantage
Comenity · Visa · No annual fee
1% base5% Gas purchases and electric v3% Travel, restaurants, grocery - 4715,000 miles bonusFirst LATAM Airlines
First · Mastercard · No annual fee
1x base3x LATAM Airlines purchases2x Restaurants2x Rideshare, taxis, and public - 4812,000 points bonusFNBO Amtrak Guest Rewards
FNBO · Mastercard · No annual fee
1x base2x Amtrak travel2x dining10% Amtrak onboard food and beve - 4915,000 points bonusPenFed Platinum Rewards
PenFed · Visa · No annual fee
1x base5x gas5x ev-charging3x groceries - 50$50 bonusSynchrony Verizon Visa
Synchrony · Visa · No annual fee
1% base4% grocery4% gas4% dining - 51$750 bonusU.S. Bank Business Triple Cash Rewards
U.S. Bank · Mastercard · No annual fee
1% base3% gas and EV charging stations3% office supply stores3% cell phone service providers - 52$200 bonusU.S. Bank Cash+
U.S. Bank · Visa · No annual fee
1% base5% Two 5% categories you choose5% Prepaid air, hotel and car r2% One everyday category you ch - 5310,000 miles bonusU.S. Bank Skypass Blue
U.S. Bank · Visa · No annual fee
1x base2x rideshare2x streaming - 54$200 bonusWebBank Gemini
WebBank · Mastercard · No annual fee
1% base4% gas, EV charging and transit3% dining2% groceries - 55$100 bonusWells Fargo Attune
Wells Fargo · Mastercard · No annual fee
1% base4% Sports, Recreation, and Ente4% Self-care4% Planet-friendly purchases - 5660,000 points bonusWells Fargo Choice Privileges
Wells Fargo · Visa · No annual fee
1x base5x Choice Hotels stays5x Choice Privileges point purc3x Gas stations
Bottom line
For set-and-forget cash back, the Citi Double Cash and Wells Fargo Active Cash both pay 2% flat for $0 a year, and Active Cash is the easier of the two to bonus ($500 in 3 months) while throwing in cell phone protection. If most of your spending goes to dining and groceries, the Savor's 3% and $250 bonus will beat a flat 2%, and the Freedom Unlimited makes sense if you want the longest 0% intro window or already hold a Chase card.
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