If you’re looking for a credit card that offers value without charging an annual fee, you’re in luck. No annual fee credit cards provide excellent benefits like cash back, travel rewards, and balance transfer offers without the added cost. Here are the top 10 no annual fee credit cards in the USA that can help you save big.
1. Chase Freedom Unlimited
- Cashback Rate: Unlimited 1.5% cash back on all purchases.
- Sign-Up Bonus: $200 after spending $500 in the first 3 months.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Everyday purchases and introductory offers.
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The Chase Freedom Unlimited is a top pick for its straightforward rewards system and competitive introductory APR. With no categories to track and a strong sign-up bonus, this card is a solid option for those looking to maximize rewards without complications.
2. Citi Double Cash Card
- Cashback Rate: Earn 2% cash back – 1% when you buy and 1% as you pay.
- Sign-Up Bonus: None.
- APR: 0% intro APR for 18 months on balance transfers; variable APR after that.
- Best For: High cashback on every purchase.
The Citi Double Cash Card is perfect for those who prefer simplicity in their rewards. Its dual cash-back system encourages responsible spending by rewarding you for paying off balances.
3. Discover it Cash Back
- Cashback Rate: 5% cash back on rotating categories (up to $1,500 per quarter); 1% on all other purchases.
- Sign-Up Bonus: Dollar-for-dollar match of all cash back earned in the first year.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Maximizing category-specific rewards.
Discover it Cash Back shines for its rotating categories and generous first-year cash back match. It’s a great choice if you don’t mind keeping track of categories to maximize your rewards.
4. Wells Fargo Active Cash Card
- Cashback Rate: Unlimited 2% cash back on purchases.
- Sign-Up Bonus: $200 after spending $1,000 in the first 3 months.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: High flat-rate cashback.
Wells Fargo Active Cash stands out for its straightforward earning potential and a strong introductory APR offer. This card is ideal for users who value simplicity and high rewards on every dollar spent.
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5. Capital One SavorOne Cash Rewards Credit Card
- Cashback Rate: 3% cash back on dining, entertainment, and grocery stores (excluding superstores); 1% on other purchases.
- Sign-Up Bonus: $200 after spending $500 in the first 3 months.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Dining and entertainment.
Capital One SavorOne is designed for foodies and entertainment enthusiasts. The card offers excellent rewards in these categories, making it a favorite for nights out or stocking up on groceries.
| Card | Best For | Cashback Rate | Sign-Up Bonus | Intro APR |
|---|---|---|---|---|
| Chase Freedom Unlimited | Everyday purchases | 1.5% on all purchases | $200 after $500 spend | 0% for 15 months |
| Citi Double Cash Card | High flat-rate cashback | 2% total on purchases | None | 0% for 18 months (balance transfers) |
| Discover it Cash Back | Rotating categories | 5% on categories + 1% | Dollar-for-dollar match | 0% for 15 months |
| Wells Fargo Active Cash | High cashback on purchases | 2% on all purchases | $200 after $1,000 spend | 0% for 15 months |
| Capital One SavorOne | Dining & entertainment | 3% on dining, 1% others | $200 after $500 spend | 0% for 15 months |
6. Bank of America Customized Cash Rewards
- Cashback Rate: 3% in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on other purchases.
- Sign-Up Bonus: $200 after spending $1,000 in the first 90 days.
- APR: 0% intro APR for 15 billing cycles on purchases and balance transfers; variable APR after that.
- Best For: Customized rewards.
This card’s flexibility to choose a 3% category sets it apart. Categories include gas, online shopping, dining, and more, making it adaptable to your spending habits.
7. American Express Blue Cash Everyday Card
- Cashback Rate: 3% on groceries (up to $6,000 annually), 2% at gas stations, and 1% on other purchases.
- Sign-Up Bonus: $200 after spending $2,000 in the first 6 months.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Grocery and gas spending.
The Blue Cash Everyday Card offers strong rewards on everyday essentials like groceries and gas. Its robust earning categories make it a practical choice for families.
8. U.S. Bank Cash+ Visa Signature Card
- Cashback Rate: 5% cash back on two categories you choose (up to $2,000 per quarter), 2% on one everyday category, and 1% on all other purchases.
- Sign-Up Bonus: $200 after spending $1,000 in the first 120 days.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Customizable rewards.
With its unique category customization, the U.S. Bank Cash+ Visa Signature Card allows you to optimize rewards based on your spending habits. This flexibility is perfect for those seeking tailored benefits.
9. Capital One Quicksilver Cash Rewards Credit Card
- Cashback Rate: 1.5% unlimited cash back on all purchases.
- Sign-Up Bonus: $200 after spending $500 in the first 3 months.
- APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR after that.
- Best For: Simple cashback.
The Quicksilver card by Capital One keeps things straightforward with a flat-rate rewards system, making it a go-to choice for those who don’t want to worry about bonus categories.
10. SoFi Credit Card
- Cashback Rate: 2% cash back when used to pay down loans or invest; 1% otherwise.
- Sign-Up Bonus: None.
- APR: Variable APR depending on creditworthiness.
- Best For: Students and young professionals.
The SoFi Credit Card stands out for its unique rewards structure aimed at helping users achieve financial goals. It’s ideal for young professionals looking to pay off student loans or invest.