Best Cash Back Credit Cards with No Annual Fee

Best No Annual Fee Cash Back Credit Cards

• Blue Cash Everyday® Card from American Express: Best for supermarket, gas, and online retail.
• Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment.
• Chase Freedom Unlimited®: Best for flat-rate cash back and bonus cash back.
• Citi® Double Cash Card: Best for 2% back.
• Capital One Quicksilver Cash Rewards Credit Card: Best for earning 1.5% cash back worldwide.
• Citi Custom Cash℠ Card: Best for automatically maximizing cash back.
• Chase Freedom Flex℠: Best for high earnings on rotating categories.
• Upgrade Triple Cash Visa Card: Best for home projects and large purchases.
• Upgrade Visa® Card with Cash Rewards: Best for high credit limits and flexibility.

Blue Cash Everyday® Card from American Express

• Earning Rate: Earns 3% cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%), 3% back on up to $6,000 in U.S. online retail purchases per year (then 1%), and 3% back on up to $6,000 in U.S. gas station purchases per year (then 1%). All other purchases on the card earn 1% back.
• Intro Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Annual Fee: $0. (See Rates and Fees)
• Summary: One of the hands-down best no-annual fee credit cards available. Earn up to $180 bonus cash back in each category when you hit the 3% cap for a total of $540 per year.
• Maximize Your Rewards: Avoid the 1% back this card offers by pairing it with the American Express Cash Magnet® Card to earn 1.5% back on all purchases.
• Learn More about the Blue Cash Everyday Card from American Express.
• Calculate Card Value & Cash Back per dollar spent for the Blue Cash Everyday Card from American Express.

Capital One SavorOne Cash Rewards Credit Card

• Earning Rate: Earns an unlimited 3% back on dining, entertainment, popular streaming services, and at grocery stores and 1% back on everything else.
• Main Highlights: Uncapped bonus categories and no foreign transaction fee.
• Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
• Annual Fee: $0. Plus no foreign transaction fees.
• Summary: With no cap on the 3% categories, this is the best option for heavy spenders. If you spend $1,000 or more per month across these categories combined, no card can compete outside of the annual fee version.
• Maximize Your Rewards: Pair this card with the Capital One Quicksilver Cash Rewards Credit Card to earn 1.5% back on all other purchases instead of the 1% back this card offers. Makes for an excellent two card combo.
• Calculate Card Value & Cash Back per dollar spent for the SavorOne Cash Rewards Credit Card.
• This card is unavailable through The Point Calculator.

Chase Freedom Unlimited®

• Earning Rate: Earn 5% back on Chase Travel, 3% back on dining at restaurants and drugstores, and 1.5% back on all other purchases.
• Rewards Structure: Cash back earned with this card is displayed as Ultimate Rewards points which can be redeemed for cash back.
• Main Highlights: Points can be transferred to Chase's travel credit cards for increased value towards travel.
• Annual Fee: $0.
• Summary: It's one of the few cards that offer 1.5% cash back on all general purchases along with the ability to earn bonus cash back on several other categories.
• Maximize Your Rewards: Pairing this card with Chase Sapphire Reserve® or Chase Sapphire Preferred® Card will allow you to redeem points earned with this card for significantly higher value towards travel.
• Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Freedom Unlimited.
• This card is unavailable through The Point Calculator.

Citi® Double Cash Card

• Earning Rate: Earn 2% cash back on all purchases — that's 1% cash back on your purchases and 1% cash back when you pay off those purchases.
• Rewards Structure: Cash back earned with this card is displayed as ThankYou Rewards points which can be redeemed for cash back.
• Main Highlights: Points earned with the card can be redeemed for higher value towards travel if you have the Citi Premier® Card.
• Intro Bonus: No current offer.
• Annual Fee: $0.
• Summary: Earning an uncapped 2% back at no-annual fee makes this one of the best cash back credit cards in the market. Fantastic choice if you want a "one-and-done" card that you can use all purchases throughout the year.
• Maximize Your Rewards: Pair it with the Citi Custom Cash Card for 5% back on one eligible category. If you're big on travel, pairing it with the Citi Premier® Card will allow you to transfer rewards to all of Citi's airline and hotel partners which will significantly bump up the value of points earned with this card.
• Learn More about the Citi Double Cash Card.
• Calculate Card Value & ThankYou Points per dollar spent for the Citi Double Cash Card.

Capital One Quicksilver Cash Rewards Credit Card

• Earning Rate: Earn 1.5% cash back on all purchases.
• Main Highlights: No foreign transaction fee.
• Intro Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
• Annual Fee: $0.
• Summary: It's a flat-rate 1.5% cash back credit card that has no annual fee, no foreign transaction fee, and is on the Mastercard network (which means it's pretty much accepted worldwide). It's a simple, standard credit card, but it is super reliable. I personally take this card with me anytime I travel out of the country.
• Maximize Your Rewards: If you want additional cash back on a few select categories at no annual fee, pair it with the Capital One SavorOne Cash Rewards Credit Card for up to 3% back.
• Learn More about the Capital One Quicksilver Cash Rewards Credit Card.
• Calculate Card Value & Cash Back per dollar spent for the Capital One Quicksilver Cash Rewards Credit Card.

Citi Custom Cash℠ Card

• Earning Rate: Earn 5% cash back on the eligible you spend the most in during each billing cycle on up to $500 (then 1%) and 1% cash back on all other purchases.
• Rewards Structure: Cash back earned with this card is displayed as ThankYou Rewards points which can be redeemed for cash back.
• Intro Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Annual Fee: $0.
• Summary: Pick up this card for the one eligible category you spend close to $500 per month in for an easy $300 in cash back annually.
• Maximize Your Rewards: Pair it with the Citi® Double Cash Card to earn up to 2% back on all other purchases. Fantastic 2-card combo for always earning 2% or 5% back on purchases.
• Learn More about the Citi Custom Cash Card.
• Calculate Card Value & ThankYou Points per dollar spent for the Citi Custom Cash Card.

Chase Freedom Flex℠

• Earning Rate: Earn 5% cash back on up to $1,500 in combined spend between the categories featured during the quarter (then 1%). Also earns 5% back on Chase Travel, 3% back at restaurants and drugstores, and 1% back on everything else.
• Rewards Structure: Cash back earned with this card is displayed as Ultimate Rewards points which can be redeemed for cash back.
• Main Highlights: Points can be transferred to Chase's travel credit cards for increased value towards travel.
• Annual Fee: $0.
• Summary: At no annual fee, there's really no downside to picking this card up. Chase typically provides great 5% categories every quarter.
• Maximize Your Rewards: If you want more value towards travel, pair this card with the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card.
• Calculate Card Value & Ultimate Rewards Points per dollar spent for the Chase Freedom Flex.
• This card is unavailable through The Point Calculator.

Upgrade Triple Cash Visa Card

• Earning Rate: Earn 3% cash back on home, auto, and health purchases and 1% back on everything else.
• Main Highlights: Large credit line, opened to FICO score of 600 or higher, and also doubles as a personal loan.
• How Does This Card Work: Any balances not paid by the due date will be converted to an installment loan at a fixed interest rate with equal monthly installments over a set period. You can also treat it like a loan and request funds from your card's credit limit.
• Intro Bonus: Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
• Annual Fee: $0.
• Summary: Great option to keep in your wallet for home projects and large purchases. Even if you don't use the card on a consistent basis, it makes for an excellent backup credit card for unexpected expenses such as an emergency repairs to home and car or surprise medical expenses.
• Get Pre-approved for the Upgrade Triple Cash Visa Card.
• Calculate Card Value & Cash Back per dollar spent for the Upgrade Triple Cash Visa Card.

Upgrade Visa® Card with Cash Rewards

• Earning Rate: Earn 1.5% cash back on all purchases with no cap on how much you can earn.
• Main Highlights: Large credit line, opened to FICO score of 600 or higher, and also doubles as a personal loan.
• How Does This Card Work: Any balances not paid by the due date will be converted to an installment loan at a fixed interest rate with equal monthly installments over a set period. You can also treat it like a loan and request funds from your card's credit limit.
• Intro Bonus: Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
• Annual Fee: $0
• Summary: Great hybrid option if you plan on paying off your credit card purchases every statement period, but would like the ability to also have easy access to a personal loan if needed. Makes for a fantastic backup/emergency credit card to have on hand.
• Learn More about the Upgrade Visa® Card with Cash Rewards.
• Calculate Card Value & Rewards per dollar spent for the Upgrade Visa® Card with Cash Rewards.