Greatest No Annual Price Credit score Playing cards of March 2023

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Our specialists reply readers' bank card questions and write unbiased product opinions (this is how we assess bank cards). In some instances, we obtain a fee from our companions; nevertheless, our opinions are our personal. Phrases apply to gives listed on this web page.

Many individuals really feel that paying an annual price for a bank card is unnecessary. Why must you pay to spend cash? That is to not say that playing cards with annual charges are by no means value it — for instance, it is attainable to get over $2,000 in worth in your first yr with The Platinum Card® from American Specific
, particularly should you journey ceaselessly and make the most of its advantages.

However should you keep near house — or should you aren't prepared to make an upfront funding to obtain fancy advantages like annual assertion credit, airport lounge entry, or elite standing — you are able to do fairly effectively with a card that does not cost an annual price. Loads of playing cards with out an annual price provide sturdy rewards, too, so you are not lacking out on factors and miles.

Listed here are our picks for the perfect no-annual-fee bank cards obtainable proper now.

The Greatest No-Annual-Price Credit score Playing cards

Wells Fargo Energetic Money® Card

Intro provide

$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening

Rewards

Earn limitless 2% money rewards on purchases.

Wells Fargo Energetic Money® Card

Intro provide

$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening

Rewards

Earn limitless 2% money rewards on purchases.

Wells Fargo Energetic Money® Card

Particulars

Rewards

Earn limitless 2% money rewards on purchases.

Intro provide

$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

19.49%, 24.49%, or 29.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and qualifying steadiness transfers for 15 months from account opening

Professionals & Cons


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A verify mark. It signifies a affirmation of your supposed interplay.

Good welcome bonus for a $0 annual price card

A verify mark. It signifies a affirmation of your supposed interplay.

Simple 2% money rewards on purchases with no classes to trace

A verify mark. It signifies a affirmation of your supposed interplay.

Robust advantages together with cellular phone safety, Visa Signature perks, and a 0% intro APR on purchases and qualifying steadiness transfers

A touch. It usually signifies an interplay to shrink a piece.

In case you've opened a Wells Fargo card prior to now 15 months, you will not be eligible for the bonus or intro APR provide

A touch. It usually signifies an interplay to shrink a piece.

International transaction charges

Highlights


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

• Earn a $200 money rewards bonus after spending $1,000 in purchases within the first 3 months


• Earn limitless 2% money rewards on purchases


• 0% intro APR for 15 months from account opening on purchases and qualifying steadiness transfers, then a 19.49%, 24.49%, or 29.49% variable APR; steadiness transfers made inside 120 days qualify for the intro charge and price of three% then a BT price of as much as 5%, min: $5


• $0 annual price


• No classes to trace or keep in mind and money rewards do not expire so long as your account stays open


• Take pleasure in a premium assortment of advantages at a collection of the world's most intriguing and prestigious lodge properties with Visa Signature Concierge


• Stand up to $600 of cellular phone safety towards harm or theft once you pay your month-to-month cellular phone invoice together with your eligible Wells Fargo card (topic to a $25 deductible).


• Choose "Apply Now" to study extra concerning the product options, phrases and circumstances

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Chase Freedom Limitless®

Intro provide

1.5% money again along with common incomes on all the pieces you purchase as much as $20,000 spent within the first yr (value as much as $300 money again)

Rewards

Earn 5% money again on Chase journey bought via Final Rewards®, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.

Chase Freedom Limitless®

Intro provide

1.5% money again along with common incomes on all the pieces you purchase as much as $20,000 spent within the first yr (value as much as $300 money again)

Rewards

Earn 5% money again on Chase journey bought via Final Rewards®, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.

Chase Freedom Limitless®

Particulars

Rewards

Earn 5% money again on Chase journey bought via Final Rewards®, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.

Intro provide

1.5% money again along with common incomes on all the pieces you purchase as much as $20,000 spent within the first yr (value as much as $300 money again)

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

19.24% - 27.99% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and steadiness transfers for the primary 15 months

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Strong flat cash-back charge

A verify mark. It signifies a affirmation of your supposed interplay.

You'll be able to mix cash-back rewards with Final Rewards factors when you have an eligible card

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A touch. It usually signifies an interplay to shrink a piece.

Another playing cards provide the next charge of money again on sure forms of purchases

Highlights


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• INTRO OFFER: Earn an extra 1.5% money again on all the pieces you purchase (on as much as $20,000 spent within the first yr) - value as much as $300 money again!


• Take pleasure in 6.5% money again on journey bought via Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, reward playing cards and extra; 4.5% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and three% on all different purchases (on as much as $20,000 spent within the first yr).


• After your first yr or $20,000 spent, take pleasure in 5% money again on Chase journey bought via Final Rewards®, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.


• No minimal to redeem for money again. You'll be able to select to obtain a press release credit score or direct deposit into most U.S. checking and financial savings accounts. Money Again rewards don't expire so long as your account is open!


• Take pleasure in 0% Intro APR for 15 months from account opening on purchases and steadiness transfers, then a variable APR of 19.24% - 27.99%.


• No annual price - You will not should pay an annual price for all the nice options that include your Freedom Limitless® card


• Maintain tabs in your credit score well being, Chase Credit score Journey helps you monitor your credit score with free entry to your newest rating, real-time alerts, and extra.

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Intro provide

$200 after spending $500 on purchases within the first three months from account opening

Rewards

5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.

Intro provide

$200 after spending $500 on purchases within the first three months from account opening

Rewards

5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.

Chase Freedom Flex℠

Particulars

Rewards

5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.

Intro provide

$200 after spending $500 on purchases within the first three months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

19.24% - 27.99% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and steadiness transfers for the primary 15 months

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Beneficiant bonus cash-back classes

A verify mark. It signifies a affirmation of your supposed interplay.

Nice welcome bonus

A touch. It usually signifies an interplay to shrink a piece.

Reserving via Chase Final Rewards portal can prohibit exterior incomes potential

A touch. It usually signifies an interplay to shrink a piece.

Various percentages and rotating calendar classes require further consideration

A touch. It usually signifies an interplay to shrink a piece.

3% international transaction charges

Highlights


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• The knowledge associated to the Chase Freedom Flex℠ has been collected by Enterprise Insider and has not been reviewed by the issuer.


• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.


• 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!


• 5% money again on journey bought via Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, reward playing cards and extra


• 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.


• No minimal to redeem for money again. You'll be able to select to obtain a press release credit score or direct deposit into most U.S. checking and financial savings accounts. Money Again rewards don't expire so long as your account is open!


• 0% Intro APR for 15 months from account opening on purchases and steadiness transfers, then a variable APR of 19.24% - 27.99%.


• No annual price - You will not should pay an annual price for all the nice options that include your Freedom Flex℠ card


• Maintain tabs in your credit score well being - Chase Credit score Journey helps you monitor your credit score with free entry to your newest rating, real-time alerts, and extra.

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Rewards

Earn 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases.

Rewards

Earn 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases.

Citi® Double Money Card

Particulars

Rewards

Earn 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases.

Advisable Credit score

Good to Glorious

Advisable credit score rating. Word that bank card lenders might use many alternative variations of credit score rating fashions when contemplating your software.

Present extra

Common Annual Proportion Fee (APR)

18.49% - 28.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR for 18 months from date of first switch for steadiness transfers made inside 4 months of account opening

Editor's Ranking

3.65/5

Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.

Present extra

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Easy incomes construction with out complicated bonus classes

A touch. It usually signifies an interplay to shrink a piece.

Some playing cards earn greater charges of money again on rotating classes

A touch. It usually signifies an interplay to shrink a piece.

Whereas it has a 0% introductory APR provide, that is solely on steadiness transfers, not purchases, so you may't use it to fund a significant expense with out curiosity

Highlights


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• Earn 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases.


• To earn money again, pay no less than the minimal due on time.


• Steadiness Switch Solely Provide: 0% intro APR on Steadiness Transfers for 18 months. After that, the variable APR will likely be 18.49% - 28.49%, primarily based in your creditworthiness.


• Steadiness Transfers don't earn money again. Intro APR doesn't apply to purchases.


• In case you switch a steadiness, curiosity will likely be charged in your purchases until you pay your whole steadiness (together with steadiness transfers) by the due date every month.


• There may be an intro steadiness switch price of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, your price will likely be 5% of every switch (minimal $5).

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Wells Fargo Autograph℠ Card

Intro provide

20,000 bonus factors once you spend $1,000 in purchases within the first three months from account opening

Wells Fargo Autograph℠ Card

Intro provide

20,000 bonus factors once you spend $1,000 in purchases within the first three months from account opening

Wells Fargo Autograph℠ Card

Particulars

Rewards

1x - 3x factors

Earn limitless 3x factors on eating places, journey, gasoline stations, transit, standard streaming companies and cellphone plans. Earn 1x factors on different purchases.

Present extra

Intro provide

20,000 bonus factors once you spend $1,000 in purchases within the first three months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

19.49%, 24.49%, or 29.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases for 12 months from account opening

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Beneficiant welcome bonus for a no-annual-fee card

A verify mark. It signifies a affirmation of your supposed interplay.

Nice incomes charges in helpful classes, together with eating, journey, and gasoline stations

A verify mark. It signifies a affirmation of your supposed interplay.

Helpful advantages together with cellular phone safety and Visa Signature concierge

A touch. It usually signifies an interplay to shrink a piece.

Minimal spending requirement to earn bonus is barely greater than related no-annual-fee playing cards

A touch. It usually signifies an interplay to shrink a piece.

No airline or lodge switch companions

Highlights


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• Earn 20,000 bonus factors once you spend $1,000 in purchases within the first 3 months - that is a $200 money redemption worth


• Earn limitless 3X factors on the issues that actually add up - like eating places, journey, gasoline stations, transit, standard streaming companies, and cellphone plans. Plus, earn 1X factors on different purchases


• $0 annual price


• 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter


• Stand up to $600 of cellular phone safety towards harm or theft once you pay your month-to-month cellular phone invoice together with your eligible Wells Fargo card (topic to a $25 deductible).


• Redeem your rewards factors for journey, reward playing cards, or assertion credit. Or store at hundreds of thousands of on-line shops and redeem your rewards once you take a look at with PayPal.


• Take pleasure in a premium assortment of advantages at a collection of the world's most intriguing and prestigious lodge properties with Visa Signature Concierge.


• Choose "Apply Now" to study extra concerning the product options, phrases and circumstances.

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Intro provide

$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening

Rewards

Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.

Intro provide

$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening

Rewards

Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.

Citi Customized Money℠ Card

Particulars

Rewards

Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.

Intro provide

$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

18.49% - 28.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on steadiness transfers and purchases for 15 months

Editor's Ranking

4/5

Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.

Present extra

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Flexibility to customise rewards by incomes 5% money again on as much as $500 per billing cycle in your prime spending class (from a listing)

A verify mark. It signifies a affirmation of your supposed interplay.

Beneficiant welcome provide for a no-annual-fee card

A verify mark. It signifies a affirmation of your supposed interplay.

No rotating bonus classes to join or observe

A verify mark. It signifies a affirmation of your supposed interplay.

Earn priceless Citi ThankYou factors which you'll be able to redeem for money again, journey, reward playing cards, merchandise, and extra

A touch. It usually signifies an interplay to shrink a piece.

Solely earns 1% again exterior of $500 in prime spending class every billing cycle

A touch. It usually signifies an interplay to shrink a piece.

International transaction price of three%

Highlights


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• Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus provide will likely be fulfilled as 20,000 ThankYou® Factors, which will be redeemed for $200 money again.


• 0% Intro APR on steadiness transfers and purchases for 15 months. After that, the variable APR will likely be 18.49% - 28.49%, primarily based in your creditworthiness.


• Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Additionally, earn limitless 1% money again on all different purchases.


• No rotating bonus classes to join - as your spending modifications every billing cycle, your earn adjusts routinely once you spend in any of the eligible classes.


• No Annual Price


• Citi will solely concern one Citi Customized Money℠ Card account per individual.

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Blue Money On a regular basis® Card from American Specific

Intro provide

$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership

Rewards

Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. gasoline stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.

Blue Money On a regular basis® Card from American Specific

Intro provide

$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership

Rewards

Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. gasoline stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.

On American Specific's web site

Blue Money On a regular basis® Card from American Specific

On American Specific's web site

Particulars

Rewards

Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. gasoline stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.

Intro provide

$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

18.49% - 29.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and steadiness transfers for 15 months from account opening

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Good bonus cash-back charge at US supermarkets

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A touch. It usually signifies an interplay to shrink a piece.

In case you spend greater than $6,000 at US supermarkets in a yr, it is best to use one other card to earn bonus rewards when you hit that cap

Highlights


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• Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card inside the first 6 months.


• No Annual Price.


• Steadiness Switch is again! Take pleasure in 0% intro APR on purchases and steadiness transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.


• 3% Money Again at U.S. supermarkets on as much as $6,000 per yr in purchases, then 1%.


• 3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per yr, then 1%.


• 3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr in purchases, then 1%.


• Get $7 again every month after utilizing your Blue Money On a regular basis Card to spend $12.99 or extra every month on an eligible subscription to The Disney Bundle, which incorporates Disney+, Hulu, and ESPN+. Enrollment required.


• Phrases Apply.


• See Charges & Charges

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Intro provide

Limitless Cashback Match – Uncover will routinely match all of the money again you’ve earned on the finish of your first yr

Rewards

Earn 5% money again on on a regular basis purchases at totally different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations as much as the quarterly most once you activate. Earn limitless 1% money again on all different purchases routinely.

Intro provide

Limitless Cashback Match – Uncover will routinely match all of the money again you’ve earned on the finish of your first yr

Rewards

Earn 5% money again on on a regular basis purchases at totally different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations as much as the quarterly most once you activate. Earn limitless 1% money again on all different purchases routinely.

Uncover it® Money Again

Particulars

Rewards

Earn 5% money again on on a regular basis purchases at totally different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations as much as the quarterly most once you activate. Earn limitless 1% money again on all different purchases routinely.

Intro provide

Limitless Cashback Match – Uncover will routinely match all of the money again you’ve earned on the finish of your first yr

Advisable Credit score

Good to Glorious

Advisable credit score rating. Word that bank card lenders might use many alternative variations of credit score rating fashions when contemplating your software.

Present extra

Common Annual Proportion Fee (APR)

16.49% - 27.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR for 15 months on purchases and steadiness transfers

Editor's Ranking

3.8/5

Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.

Present extra

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

From January 1 to March 31, 2023, you may earn 5% money again at grocery shops, drug shops and choose streaming companies on as much as $1,500 in purchases after enrollment, then 1%

A verify mark. It signifies a affirmation of your supposed interplay.

Uncover will match your money again earned on the finish of your first account yr

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A touch. It usually signifies an interplay to shrink a piece.

Cap on how a lot bonus money again you may earn every quarter

A touch. It usually signifies an interplay to shrink a piece.

If the quarterly classes aren't handy for you, you may make more cash again with a unique card

Highlights


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• Intro Provide: Limitless Cashback Match - solely from Uncover. Uncover will routinely match all of the money again you've got earned on the finish of your first yr! There is no minimal spending or most rewards. You possibly can flip $150 money again into $300.


• Earn 5% money again on on a regular basis purchases at totally different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations, as much as the quarterly most once you activate. Plus, earn limitless 1% money again on all different purchases - routinely.


• Uncover might enable you cut back publicity of your private info on-line by serving to you take away it from choose people-search websites that would promote your knowledge. It is free, activate with the cellular app.


• Each $1 you earn in money again is $1 you may redeem


• Get a 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Normal Variable Buy APR applies, primarily based on credit score worthiness.


• No annual price.


• Click on via to Uncover's web site to see phrases and circumstances.

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Capital One Quicksilver Money Rewards Credit score Card

Intro provide

One-time $200 money bonus when you spend $500 on purchases inside 3 months of account opening

Rewards

Earn limitless 1.5% money again on all purchases

Capital One Quicksilver Money Rewards Credit score Card

Intro provide

One-time $200 money bonus when you spend $500 on purchases inside 3 months of account opening

Rewards

Earn limitless 1.5% money again on all purchases

Capital One Quicksilver Money Rewards Credit score Card

Particulars

Rewards

Earn limitless 1.5% money again on all purchases

Intro provide

One-time $200 money bonus when you spend $500 on purchases inside 3 months of account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

19.24% - 29.24% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and steadiness transfers for 15 months (3% price on the quantities transferred inside the first 15 months)

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Earns 1.5% money again on each buy

A verify mark. It signifies a affirmation of your supposed interplay.

Intro APR on purchases and steadiness transfers

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price and no international transaction charges

A touch. It usually signifies an interplay to shrink a piece.

Different playing cards make more cash again

Highlights


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

• Earn a one-time $200 money bonus after you spend $500 on purchases inside 3 months from account opening


• Earn limitless 1.5% money again on each buy, on daily basis


• $0 annual price and no international transaction charges


• Take pleasure in as much as 6 months of complimentary Uber One membership assertion credit via 11/14/2024


• Earn limitless 5% money again on motels and rental automobiles booked via Capital One Journey, the place you may get Capital One's greatest costs on 1000's of journey choices. Phrases apply


• No rotating classes or sign-ups wanted to earn money rewards; plus, money again will not expire for the lifetime of the account and there is not any restrict to how a lot you may earn


• 0% intro APR on purchases and steadiness transfers for 15 months; 19.24%-29.24% variable APR after that; 3% price on the quantities transferred inside the first 15 months

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Ink Enterprise Money® Credit score Card

Intro provide

$900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Rewards

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr. Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr. Earn 1% money again on all different purchases.

Ink Enterprise Money® Credit score Card

Intro provide

$900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Rewards

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr. Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr. Earn 1% money again on all different purchases.

Ink Enterprise Money® Credit score Card

Particulars

Rewards

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr. Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr. Earn 1% money again on all different purchases.

Intro provide

$900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

17.49% - 23.49% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases for the primary 12 months

Editor's Ranking

4.55/5

Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.

Present extra

Professionals & Cons


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A verify mark. It signifies a affirmation of your supposed interplay.

Broad 5% and a pair of% cash-back classes (you may earn bonus money again at workplace provide shops and at gasoline stations and eating places)

A verify mark. It signifies a affirmation of your supposed interplay.

Intro APR provide for purchases

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

You'll be able to pair this card with a card that earns Final Rewards to redeem your money again for journey

A touch. It usually signifies an interplay to shrink a piece.

Annual cap on bonus classes

Highlights


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• Greatest Provide Ever: Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening


• Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr


• Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr. Earn 1% money again on all different purchases


• With Fraud Safety your card transactions will likely be monitored for attainable indicators of fraudulent exercise utilizing real-time fraud monitoring


• With Zero Legal responsibility you will not be held liable for unauthorized prices made together with your card or account info


• No Annual Price


• Redeem rewards for money again, reward playing cards, journey and extra via Chase Final Rewards®


• 0% introductory APR for 12 months on purchases

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Amex EveryDay® Credit score Card from American Specific

Intro provide

10,000 Membership Rewards® Factors once you spend $1,000 within the first 3 months.

Rewards

Earn 2x Membership Rewards® Factors at U.S. supermarkets (on as much as $6,000 per yr in purchases, then 1X). Earn 1X Membership Rewards® Factors on all different purchases.

Amex EveryDay® Credit score Card from American Specific

Intro provide

10,000 Membership Rewards® Factors once you spend $1,000 within the first 3 months.

Rewards

Earn 2x Membership Rewards® Factors at U.S. supermarkets (on as much as $6,000 per yr in purchases, then 1X). Earn 1X Membership Rewards® Factors on all different purchases.

Amex EveryDay® Credit score Card from American Specific

Particulars

Rewards

Earn 2x Membership Rewards® Factors at U.S. supermarkets (on as much as $6,000 per yr in purchases, then 1X). Earn 1X Membership Rewards® Factors on all different purchases.

Intro provide

10,000 Membership Rewards® Factors once you spend $1,000 within the first 3 months.

Common Annual Proportion Fee (APR)

12.99% - 23.99% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases and steadiness transfers for 15 months from the date of account opening

Professionals & Cons


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A verify mark. It signifies a affirmation of your supposed interplay.

20% factors bonus once you make no less than 20 purchases in a billing interval

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Entry to Amex Gives

A touch. It usually signifies an interplay to shrink a piece.

Restricted bonus classes

Highlights


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• The knowledge associated to the Amex EveryDay® Credit score Card from American Specific has been collected by Enterprise Insider and has not been reviewed by the issuer.


• 2X factors at U.S. supermarkets, on as much as $6K in purchases


• 1X factors in your different purchases


• Membership Rewards® Pay with Factors


• 0% intro APR on purchases and steadiness transfers for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%

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American Airways AAdvantage MileUp℠ Mastercard

Intro provide

10,000 American Airways miles and a $50 assertion credit score after you spend $500 on purchases within the first three months of account opening

Rewards

Earn 2x miles for each $1 spent at grocery shops. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.

American Airways AAdvantage MileUp℠ Mastercard

Intro provide

10,000 American Airways miles and a $50 assertion credit score after you spend $500 on purchases within the first three months of account opening

Rewards

Earn 2x miles for each $1 spent at grocery shops. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.

American Airways AAdvantage MileUp℠ Mastercard

Particulars

Rewards

Earn 2x miles for each $1 spent at grocery shops. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.

Intro provide

10,000 American Airways miles and a $50 assertion credit score after you spend $500 on purchases within the first three months of account opening

Advisable Credit score

Glorious

Common Annual Proportion Fee (APR)

20.49% - 29.49% Variable

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

Earn American Airways AAdvantage miles with no annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Rack up double miles at grocery shops along with American Airways purchases

A touch. It usually signifies an interplay to shrink a piece.

Modest sign-up bonus is way decrease than different American Airways playing cards

A touch. It usually signifies an interplay to shrink a piece.

No significant frequent flyer advantages

A touch. It usually signifies an interplay to shrink a piece.

You may pay international transaction charges on purchases made overseas

Highlights


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• The knowledge associated to the American Airways AAdvantage MileUp℠ Card has been collected by Enterprise Insider and has not been reviewed by the issuer.


• Earn 10,000 American Airways AAdvantage® bonus miles and obtain a $50 assertion credit score after making $500 in purchases inside the first 3 months of account opening


• No Annual Price


• Earn 2 AAdvantage® miles for every $1 spent at grocery shops, together with grocery supply companies


• Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases


• Earn 1 AAdvantage® mile for each $1 spent on different purchases


• Earn 1 Loyalty Level for each 1 eligible AAdvantage® mile earned from purchases


• Save 25% on inflight meals and beverage purchases once you use your card on American Airways flights

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Intro provide

20,000 bonus miles after you spend $1,000 on purchases within the first three months from account opening

Rewards

Earn 2 miles per $1 spent on United® purchases, at gasoline stations and on native transit and commuting. Earn 1 mile per $1 spent on all different purchases.

Intro provide

20,000 bonus miles after you spend $1,000 on purchases within the first three months from account opening

Rewards

Earn 2 miles per $1 spent on United® purchases, at gasoline stations and on native transit and commuting. Earn 1 mile per $1 spent on all different purchases.

United Gateway℠ Card

Particulars

Rewards

Earn 2 miles per $1 spent on United® purchases, at gasoline stations and on native transit and commuting. Earn 1 mile per $1 spent on all different purchases.

Intro provide

20,000 bonus miles after you spend $1,000 on purchases within the first three months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

20.74% - 27.74% Variable

Intro Annual Proportion Fee (APR)

0% intro APR on purchases for 12 months

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Good bonus classes (together with gasoline stations and native transit/commuting)

A verify mark. It signifies a affirmation of your supposed interplay.

Entry to expanded United award availability

A touch. It usually signifies an interplay to shrink a piece.

Different United bank cards have a lot greater welcome bonuses

A touch. It usually signifies an interplay to shrink a piece.

No free checked bag profit like different United playing cards

A touch. It usually signifies an interplay to shrink a piece.

Few United perks aside from 25% again on inflight purchases

Highlights


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• Earn 20,000 bonus miles


• No annual price


• Earn 2 miles per $1 spent on United® purchases, at gasoline stations and on native transit and commuting


• Earn 2 miles per $1 spent on United® purchases


• Earn 2 miles per $1 spent at gasoline stations, on native transit and commuting


• Earn 1 mile per $1 spent on all different purchases


• 25% again as a press release credit score on purchases of meals, drinks and Wi-Fi on board United-operated flights and on Membership premium drinks once you pay together with your Gateway Card


• Get one-year complimentary DashPass, a membership for each DoorDash and Caviar that gives limitless deliveries with $0 supply charges and decrease service charges on eligible orders. After that, you're routinely enrolled in DashPass on the present month-to-month charge. Activate by 12/31/24.

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Delta SkyMiles® Blue American Specific Card

Intro provide

10,000 bonus miles after spending $1,000 in purchases in your new card within the first 6 months from account opening

Rewards

Earn 2x Miles on eating at eating places worldwide, and for takeout and supply within the U.S. Earn 2x Miles on Delta purchases made straight with Delta. Earn 1X Miles on all different purchases.

Delta SkyMiles® Blue American Specific Card

Intro provide

10,000 bonus miles after spending $1,000 in purchases in your new card within the first 6 months from account opening

Rewards

Earn 2x Miles on eating at eating places worldwide, and for takeout and supply within the U.S. Earn 2x Miles on Delta purchases made straight with Delta. Earn 1X Miles on all different purchases.

On American Specific's web site

Delta SkyMiles® Blue American Specific Card

On American Specific's web site

In order for you a bank card that earns Delta miles in your on a regular basis spending however completely do not need to pay an annual price, this card is value contemplating. Whereas it would not provide journey perks like a free checked bag or precedence boarding, cardholders do get 20% again as a press release credit score on Delta inflight purchases and entry to Delta's Pay With Miles function. For many Delta flyers, nevertheless, a Delta card with an annual price and extra advantages will show extra priceless.

Particulars

Rewards

Earn 2x Miles on eating at eating places worldwide, and for takeout and supply within the U.S. Earn 2x Miles on Delta purchases made straight with Delta. Earn 1X Miles on all different purchases.

Intro provide

10,000 bonus miles after spending $1,000 in purchases in your new card within the first 6 months from account opening

Advisable Credit score

Good to Glorious

Common Annual Proportion Fee (APR)

20.24% - 29.24% Variable

Intro Annual Proportion Fee (APR)

N/A

Professionals & Cons


It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

A verify mark. It signifies a affirmation of your supposed interplay.

No annual price

A verify mark. It signifies a affirmation of your supposed interplay.

Earns bonus miles at US eating places

A touch. It usually signifies an interplay to shrink a piece.

Would not provide advantages like a free checked bag once you fly Delta

Highlights


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• Earn 10,000 bonus miles after you spend $1,000 in purchases in your new Card in your first 6 months.


• No Annual Price.


• Earn 2X Miles per greenback at eating places worldwide, plus takeout and supply within the U.S.


• Earn 2X Miles per greenback spent on Delta purchases, and 1X Mile on all different eligible purchases.


• Pay with Miles: take as much as $50 off the price of your flight for each 5,000 miles you redeem with Pay with Miles once you guide on delta.com.


• Obtain a 20% financial savings within the type of a press release credit score after you employ your Card on eligible Delta in-flight purchases of meals, drinks, and audio headsets.


• No International Transaction Charges.


• Phrases Apply.

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The 14 Greatest No-Annual-Price Credit score Playing cards of February 2023

• Wells Fargo Energetic Money® Card: Greatest for prime money rewards charge
• Chase Freedom Limitless®: Greatest when you have a Chase Sapphire card
• Chase Freedom Flex℠
  : Greatest for incomes among the many highest money again — should you work for it
• Citi® Double Money Card: Greatest for prime cash-back charge with lengthy intro APR
• Wells Fargo Autograph℠ Card: Greatest for 3x incomes in nice on a regular basis classes
• Citi Customized Money℠ Card: Greatest in case your spending modifications month to month
• Blue Money On a regular basis® Card from American Specific: Greatest for buying at U.S. supermarkets
• Uncover it® Money Again: Greatest for getting your first yr of money again matched
• Capital One Quicksilver Money Rewards Credit score Card: Greatest for incomes 1.5% money again in all places
• Ink Enterprise Money® Credit score Card: Greatest for small enterprise
• Amex EveryDay® Credit score Card from American Specific
  : Greatest for incomes Amex factors
• American Airways AAdvantage MileUp℠ Mastercard
  : Greatest for American Airways loyalists
• United Gateway℠ Card: Greatest for United Airways loyalists
• Delta SkyMiles® Blue American Specific Card: Greatest for Delta Airways loyalists

We're targeted right here on the rewards and perks that include every card. These playing cards will not be value it should you're paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your steadiness in full every month, make funds on time, and solely spend what you may afford to pay.

Methodology: How We Selected the Greatest No-Annual-Price Credit score Playing cards

We reviewed dozens of no-annual-fee bank cards throughout all classes — money again, journey, airline, lodge, and extra — and narrowed our focus to playing cards that supply greater than 1 level or mile per greenback on no less than one class of buy. We additionally checked out welcome bonuses, rewards caps (such because the $1,500 quarterly restrict on the Chase Freedom Flex℠ and Uncover it® Money Again), and different advantageous print.

See the complete breakdown of how we charge bank cards »

Discover the fitting no-annual-fee bank card for you

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Excessive money again charge with lengthy intro APR

Earn 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases.

Greatest when you have a Chase Sapphire card

1.5% money again along with common incomes on all the pieces you purchase as much as $20,000 spent within the first yr (value as much as $300 money again)

Earn 5% money again on Chase journey bought via Final Rewards®, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.

Earns among the many highest money again, should you work for it

$200 after spending $500 on purchases within the first three months from account opening

5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.

Greatest in case your spending modifications month to month

$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening

Earn 5% money again on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.

Get your first yr of money again matched

Limitless Cashback Match – Uncover will routinely match all of the money again you’ve earned on the finish of your first yr

Earn 5% money again on on a regular basis purchases at totally different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations as much as the quarterly most once you activate. Earn limitless 1% money again on all different purchases routinely.

Earn 1.5% money again in all places

One-time $200 money bonus when you spend $500 on purchases inside 3 months of account opening

Earn limitless 1.5% money again on all purchases

Greatest for small companies

$900 bonus money again after you spend $6,000 on purchases within the first three months from account opening

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr. Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr. Earn 1% money again on all different purchases.

Greatest for United loyalists

20,000 bonus miles after you spend $1,000 on purchases within the first three months from account opening

Earn 2 miles per $1 spent on United® purchases, at gasoline stations and on native transit and commuting. Earn 1 mile per $1 spent on all different purchases.

No-Annual-Price Credit score Card FAQs

Lots of the prime rewards bank cards have annual charges — starting from $95 to $695 — and it may be value paying for one should you'll use all of its advantages.

In lots of instances, playing cards with annual charges have perks which can be tied to journey, and should you hardly ever hit the highway, these will not be the right match. At all times do an trustworthy evaluation of a card's perks and see how they match up together with your life-style earlier than making use of for a bank card.

A majority of no-annual-fee playing cards require no less than good credit score to qualify (FICO rating of no less than 670). That stated, there are a choose few no-annual-fee playing cards — together with starter and secured playing cards — obtainable to of us with restricted or unfavorable credit ratings.

Some no-annual-fee bank cards value contemplating are the Uncover it® Scholar Money Again and the Petal® 2 "Money Again, No Charges" Visa® Credit score Card. In any other case, you may apply for secured playing cards, which normally do not cost an annual price, however require a safety deposit. 

Greatest No-Annual-Price Card for Excessive Money Rewards Fee

Wells Fargo Energetic Money® Card

If you wish to earn the best money rewards attainable on each buy with out having to maintain observe of bonus classes, the Wells Fargo Energetic Money® Card is a winner. Cardholders earn 2% money rewards on purchases with no limits, and there is a stable welcome bonus provide too: $200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening.

New cardholders additionally obtain a 0% intro APR on purchases and qualifying steadiness transfers for 15 months from account opening (then a 19.49%, 24.49%, or 29.49% Variable APR), which is helpful should you've obtained upcoming bills you may't repay in full instantly.

The cardboard additionally comes with a good array of perks, like cellular phone safety, journey emergency help companies, roadside dispatch, and Visa Signature Concierge entry. In case you're touring overseas, it is best to depart the Wells Fargo Energetic Money® Card at house, as a result of it provides international transaction charges. 

Assessment: Wells Fargo Energetic Money card evaluate

Greatest No-Annual-Price Card if You Have a Chase Sapphire Card

Chase Freedom Limitless®

The Chase Freedom Limitless® is one other prime choose for a no-annual-fee card — particularly if there's an opportunity that you're going to need to earn extra priceless bank card rewards with a premium bank card afterward.

That is as a result of whereas Chase markets the cardboard as "money again," it truly earns Chase Final Rewards® factors which you could redeem for money, reward playing cards, or journey via the Chase Journey Portal at a charge of 1 cent per level. 

In case you resolve that you simply need to maximize the worth of these factors by buying journey with a bonus via Chase, or switch them to airline and lodge companions, you may open a card just like the Chase Sapphire Most well-liked® Card or the Chase Sapphire Reserve®, and pool your factors from the 2 playing cards.

The Chase Freedom Limitless® earns 5% money again on journey booked via Chase, 5% again on Lyft rides via March 2025, 3% money again on eating and at drugstores, and 1.5% again on all different purchases (or 1.5 factors per greenback spent). Paired with a Sapphire Reserve, it is an awesome card to make use of for purchases that are not made on journey bills or eating.

The Freedom Limitless is a implausible all-around card. Nevertheless, to get probably the most worth when it is time to spend your factors, you want the Sapphire Reserve or Most well-liked card, too, so you may pool your factors. In any other case, factors are solely value 1 cent every regardless of how you employ them, and so they cannot be transferred to airline or lodge companions.

Assessment: Chase Freedom Limitless bank card evaluate

Greatest No-Annual-Price Card for Incomes Among the many Highest Money Again — If You Work for It

Chase Freedom Flex℠

The Chase Freedom Flex℠ works just about the identical method because the Chase Freedom Limitless®, incomes money again within the type of Chase Final Rewards factors which you could both mix with one other card, or redeem for money or merchandise. 

The important thing distinction is the way it earns these rewards. In contrast to the Chase Freedom Limitless® — which earns 1.5% money again (or 1.5 factors per greenback spent) on most purchases, the Chase Freedom Flex℠ earns 5% (or 5x) in rotating classes every quarter (as soon as activated) on as much as $1,500 spent in that class. From January 1 to March 31, 2023, these classes are grocery shops (excluding Walmart), Goal, and health/fitness center membership memberships.

You may additionally earn 5% money again on journey purchases made via Chase, 5% on Lyft rides via March 2025, 3% again on eating and drugstores, and 1% again on all the pieces else.

Assessment: Chase Freedom Flex card evaluate 

Greatest No-Annual-Price Card for Excessive Money-Again Fee with Lengthy Intro APR

Citi® Double Money Card

The Citi® Double Money Card successfully earns 2% money again — 1 level per greenback once you make a purchase order, and 1 level per greenback once you pay it off. In case you're targeted on incomes bank card rewards, you need to be paying your steadiness off in full every month, so in that case, you may contemplate this a 2% money again card.

This is among the greatest cash-back playing cards, and it is easy to make use of as a result of there are not any bonus rewards classes to recollect. New cardholders obtain a 0% intro APR for 18 months from date of first switch for steadiness transfers made inside 4 months of account opening, adopted by a 18.49% - 28.49% Variable APR. That is deal should you're seeking to consolidate debt to save lots of on curiosity.

The Citi® Double Money Card can also be an wonderful starter card should you're new to bank card rewards. You'll be able to't go fallacious with redeeming Double Money rewards for money again, however should you later need to delve into journey or different redemptions, you will have different choices for utilizing Citi ThankYou factors.

The Double Money card now earns Citi ThankYou factors as an alternative of money again straight. However you may nonetheless redeem your factors for money again (in addition to journey, reward playing cards, and extra) and get the identical charge of return.

Assessment: Citi Double Money bank card evaluate

Greatest No-Annual-Price Card for 3x Incomes in Nice On a regular basis Classes

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card, is a superb selection if you wish to earn a excessive charge of rewards in a wide range of on a regular basis classes with out paying an annual price. You'll be able to earn 3x factors on journey, eating, gasoline stations, standard streaming companies, transit, and cellphone plans, and 1 level per greenback on all different purchases with no limits.

The cardboard comes with a good welcome bonus provide, too: 20,000 bonus factors once you spend $1,000 in purchases within the first three months from account opening. That is value $200 when redeemed as money. New cardholders also can get monetary savings on curiosity with a 0% intro APR on purchases for 12 months from account opening, adopted by a 19.49%, 24.49%, or 29.49% Variable.

Assessment: Wells Fargo Autograph card evaluate

Greatest No-Annual-Price Card if Your Spending Modifications Month to Month

Citi Customized Money℠ Card

The  Citi Customized Money℠ Card is a superb selection in case your spending habits have a tendency to alter from month to month. Cardholders earn 5% money again on as much as $500 in purchases within the eligible class they spend probably the most in every billing cycle (then 1%), and 1% on all different purchases.

The qualifying classes embody on a regular basis bills that ought to attraction to most people: eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, house enchancment shops, health golf equipment, and dwell leisure.

Though it is marketed as a cash-back card, the Citi Customized Money℠ Card truly earns rewards within the type of Citi ThankYou factors, that are value 1 cent apiece for money again, journey booked via Citi, reward playing cards, merchandise, and extra. And when you have the Citi Premier® Card or Citi Status® Card
(now not obtainable to new candidates), you may pool your rewards and switch factors to airline and lodge companions, together with Citi's latest companions, Selection Privileges and Wyndham Rewards.

Assessment: Citi Customized Money bank card evaluate

The Citi Customized Money℠ Card is one-third of the Citi Trifecta, together with the Citi Premier® Card and Citi® Double Money Card. This trio of Citi playing cards can supercharge your ThankYou Rewards steadiness by incomes wherever from 2x to 5x rewards on each single buy.

Blue Money On a regular basis® Card from American Specific

Lately, the Blue Money On a regular basis® Card from American Specific up to date its incomes charges to incorporate U.S. on-line retail purchases, making it one of many greatest playing cards for on-line buying. Plus, now you can earn 3% money again at US gasoline stations (was 2% again) as much as spending limits.

It is at the moment providing a welcome bonus of $200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership.

Cardholders earn: 

• 3% money again at U.S. supermarkets on as much as $6,000 every calendar yr (then 1% again)
• 3% again at U.S. gasoline stations on as much as $6,000 every calendar yr in purchases (then 1% again)
• 3% again on U.S. on-line retail purchases on as much as $6,000 every calendar yr (then 1% again)
• 1% money again on all the pieces else

Money again is obtained within the type of Reward Dollars which may later be redeemed as assertion credit.

Remember the fact that your money again rewards are capped at $6,000 per class annually (then 1% again). So if simply spend greater than the $6,000 cap within the bonus classes, you may need to contemplate a unique cash-back rewards card with the next restrict. 

There's additionally a "Most well-liked" model of the Blue Money On a regular basis® Card from American Specific — the Blue Money Most well-liked® Card from American Specific earns an even bigger 6% again on the primary $6,000 spent at U.S. supermarkets per calendar yr (and 1% after), 6% again on choose U.S. streaming companies, 3% again at U.S. gasoline stations and on transit together with taxis, rideshares, parking, and tolls, and 1% money again on all the pieces else (money again is obtained within the type of Reward Dollars that may be redeemed as assertion credit).

The higher-earning charge on the Most well-liked makes it value paying the annual price — nevertheless, the Blue Money On a regular basis® Card from American Specific remains to be an awesome possibility should you're against that.

Assessment: Amex Blue Money On a regular basis bank card evaluate

Greatest No-Annual-Price Card for Getting Your First Yr of Money Again Matched

Uncover it® Money Again

The Uncover it® Money Again works equally to the Chase Freedom Flex℠: It gives 5% money again on as much as $1,500 spent every quarter in rotating bonus classes (then 1% again) and 1% money again on all the pieces else (from January 1 to March 31, 2023, you may earn 5% money again at grocery shops, drug shops and choose streaming companies on as much as $1,500 in purchases after enrollment, then 1%).

It would not provide the identical bonus classes because the Chase Freedom Flex℠, although, though generally they overlap. 

The Uncover it® Money Again is compelling for one different purpose: Uncover will match all of your money again on the finish of your first cardmember yr. So should you earned $500 in money again in your first yr, Uncover would match that $500 for a complete of $1,000 in money again. This superior function is out there on all Uncover bank cards — and all Uncover playing cards haven't any annual price.

Assessment: Uncover it Money Again bank card evaluate 

Greatest No-Annual-Price Card for Incomes 1.5% Money Again In every single place

Capital One Quicksilver Money Rewards Credit score Card

The Capital One Quicksilver Money Rewards Credit score Card has no annual price and earns 5% money again on motels and rental automobiles booked via Capital One Journey and 1.5% money again on each different buy you make. On this regard, it is most much like the Chase Freedom Limitless®.

There are additionally no international transaction charges, and the cardboard has a stable welcome provide: One-time $200 money bonus when you spend $500 on purchases inside 3 months of account opening.

You'll be able to even use your money again earned with the Capital One Quicksilver Money Rewards Credit score Card to pay for purchases on Amazon or eligible PayPal purchases. You can too redeem it as a press release credit score, verify, computerized redemption, or reward playing cards. 

You may additionally get a stable 0% intro APR on purchases and steadiness transfers for 15 months (3% price on the quantities transferred inside the first 15 months) (then a 19.24% - 29.24% Variable APR).

The Capital One Quicksilver Money Rewards Credit score Card (together with the Capital One QuicksilverOne Money Rewards Credit score Card and the Capital One Quicksilver Secured Money Rewards Credit score Card) at the moment gives cardholders six months of Uber One month-to-month membership (via November 14, 2024). 

Assessment: Capital One Quicksilver Money Rewards card evaluate 

Greatest No-Annual-Price Card for Small Enterprise

Ink Enterprise Money® Credit score Card

The Ink Enterprise Money® Credit score Card is one other stable Chase entry, though this one is a enterprise bank card — anybody with nearly any form of small enterprise can qualify, whether or not you will have a brick-and-mortar house with workers, otherwise you're a freelancer, and even somebody with a small facet gig.

Each the Ink Enterprise Money® Credit score Card and the Ink Enterprise Limitless® Credit score Card at the moment are providing elevated welcome bonuses, and their highest to-date. New cardholders can earn $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening, however just for a restricted time. 

Similar to with the Chase Freedom playing cards, you may pool the "money" you earn with factors from a Chase journey card, successfully changing your money into (doubtlessly) extra priceless factors. Alternatively, you may reap the rewards within the type of money as an alternative.

The Ink Enterprise Money® Credit score Card earns 5% money again (or 5x factors) on the primary $25,000 in mixed purchases at workplace provide shops and on web, cable, and cellphone companies every cardholder yr. It earns 5% again (or 5x factors) on Lyft rides via March 2025, 2% again (or 2x factors) on the primary $25,000 in purchases at gasoline stations and eating places annually, and 1% (or 1x factors) on all the pieces else with no cap.

Assessment: Ink Enterprise Money card evaluate

Greatest No-Annual-Price Card for Incomes Amex Factors

Amex EveryDay® Credit score Card from American Specific

American Specific Membership Rewards is Amex's in-house rewards program, and the Amex EveryDay® Credit score Card from American Specific is the perfect no-fee card that earns them. You'll be able to redeem Amex factors for journey, merchandise, assertion credit, reward playing cards, and extra. Nevertheless, the most suitable choice is to switch them to an Amex airline or lodge companion.

The Amex EveryDay® Credit score Card from American Specific earns 2x factors at U.S. supermarkets (on as much as $6,000 of purchases per yr, then 1x after that) and at Amex Journey, and 1x on all the pieces else. It additionally gives a 20% bonus on factors earned in a billing interval once you make 20 or extra purchases throughout that interval.

Like most Amex playing cards, the Amex EveryDay® Credit score Card from American Specific options a number of journey and buy protections, in addition to entry to the Amex Gives program.

Whereas most individuals will likely be higher off with a model of the cardboard that has an annual price, the Amex EveryDay® Most well-liked Credit score Card
, the common Amex EveryDay® Credit score Card from American Specific remains to be a robust possibility — particularly since there is not any annual price.

Assessment: Amex EveryDay card evaluate

Greatest for Delta, American, and United Airline Loyalists: No-Annual-Price Airline Playing cards

Most airline bank cards which can be value having include an annual price — though a lot of them will waive it for the primary yr. These playing cards have a tendency to come back with helpful advantages for individuals who fly with the airline, like precedence boarding or free checked luggage. You'll be able to study extra in our information to the perfect airline bank cards.

Nevertheless, should you're taken with incomes frequent flyer miles with a selected airline via your spending, however do not care about these perks and need to keep away from the price, you will have a few choices. 

In case you're a Delta flyer, you may go for the Delta SkyMiles® Blue American Specific Card which gives 2 Delta SkyMiles on each eligible greenback spent with Delta and at eating places worldwide, and 1 mile per greenback on all the pieces else. It additionally will get you a 20% low cost — within the type of a press release credit score — on Delta inflight purchases like meals or drinks.

American loyalists can contemplate the American Airways AAdvantage MileUp℠ Mastercard. This card gives 2x AAdvantage miles on each greenback spent at grocery shops and with American Airways, and 1 mile per greenback on all the pieces else. 

United's United Gateway℠ Card, with an annual price of $0, earns 2x miles on United purchases, gasoline, public transit, rideshare companies, and taxis, and 1x miles on all the pieces else.

Different No-Annual-Price Credit score Playing cards We Thought-about

There are various different no-annual-fee bank cards that do not seem on this listing. Here is an outline of the playing cards we thought of that did not make the ultimate lower.

• Capital One SavorOne Money Rewards Credit score Card — This card earns 10% money again on purchases made via Uber & Uber Eats, plus complimentary Uber One membership assertion credit via November 14, 2024, and eight% money again on Capital One Leisure purchases. This card additionally earns 5% money again on motels and rental automobiles booked via Capital One Journey, 3% money again on eating, leisure, streaming companies, and grocery shops, and 1% again on all different purchases. 
• Capital One VentureOne Rewards Credit score Card — You may earn 1.25 miles per greenback on each buy, which is healthier than the usual charge of 1 level/mile per greenback on bank cards, however not by a lot.
• Citi Rewards+® Card
  — This card is exclusive in that it rounds as much as the closest 10 factors on all of your purchases. It additionally earns 2x factors at supermarkets and gasoline stations (on as much as $6,000 per yr, then 1 level per greenback). Playing cards just like the Blue Money Most well-liked® Card from American Specific have the potential to earn you extra rewards, but when you have already got a Citi bank card and need to increase your Citi factors steadiness, this card is value a glance. 
• AT&T Factors Plus℠ Card
  — That is the latest Citi bank card and it earns priceless Citi ThankYou factors. With this card, you may earn 3x at gasoline stations, 2x at grocery shops (together with supply companies), and 1x on all the pieces else.  Plus, you may earn as much as $240 in annual assertion credit once you use this card to pay in your AT&T wi-fi invoice and meet month-to-month spending thresholds.
• Financial institution of America® Journey Rewards bank card
  — With this card, you may earn 1.5 factors per greenback on each buy. That is not a nasty return on spending, however this card — and different Financial institution of America playing cards —  are most rewarding should you're already a Financial institution of America buyer and come up with the money for in qualifying counts to qualify for the Most well-liked Rewards program, which will get you bonus bank card rewards.
• Financial institution of America® Limitless Money Rewards Credit score Card
  — This new card from Financial institution of America gives a limiteless 1.5% money again on all purchases, and in addition gives as much as 75% extra rewards should you're a Most well-liked Rewards member.

Jasmin Baron, CEPF

Editor

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