Calculator: 12 Best No Annual Fee Credit Cards [2021]

Who says you can't earn great rewards with a no annual fee credit card? Get our picks for best cards and calculate how much you can earn based on spend.

The Point Calculator's top picks for the 12 best no annual fee credit cards are:

  • Blue Cash Everyday® Card from American Express
  • Bank of America® Cash Rewards credit card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Flexâ„ 
  • Chase Freedom Unlimited®
  • Citi® Double Cash Card
  • Wells Fargo Propel American Express® card
  • American Airlines AAdvantage MileUpâ„  Card
  • Delta SkyMiles® Blue American Express Card
  • United Gatewayâ„  Card
  • Hilton Honors American Express Card

Blue Cash Everyday® Card from American Express

One of the best no-annual fee cash back credit cards on the market for grocery is the Blue Cash Everyday Card. It earns 3% back on up to $6,000 in U.S. supermarket purchases made during the year (then 1%), 2% back on U.S. gas station and U.S. department store purchases, and 1% cash back on everything else. Just note that if you spend more than $270 per month on supermarket purchases, you'll want to consider picking up the Blue Cash Preferred Card instead.

Blue Cash Everyday® Card from American Express
Rewards Rate
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
Intro Bonus
Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • No annual fee.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.

Bank of America® Cash Rewards credit card

The Bank of America Cash Rewards Card is can be one of the best no-annual fee cash back credit cards on the market if you're a Bank of America Preferred Rewards member. At the base rate, the card earns 3% cash back on a select category of your choice, 2% back on grocery stores and wholesale club purchases, and 1% back on everything else. With the Preferred Rewards program, you'll be able to earn up to a 75% bonus on cash back earned based on how much you have invested with Bank of America and their partners. This means you can earn up to 5.25% cash back on the selected category, 3.75% on the grocery stores and wholesale club categories, and 1.75% back on all other purchases.

Bank of America® Cash Rewards credit card
Rewards Rate
  • Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn unlimited 1% on all other purchases.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • No expiration on rewards

Capital One Quicksilver Cash Rewards Credit Card

If you want a flat rate earning card that has no annual fee, no authorized user fee, and no foreign transaction fee, the Capital One Quicksilver Card is the best choice. The card earns 1.5% cash back on all purchases and cash back can easily be redeemed towards purchases made to the card, gift cards, travel, and just about anything else. The Quicksilver Card is a simple and straightforward credit card which is why it's so popular. Pair it with the Savor or SavorOne Card and you have yourself a nice cash back credit card combo.

Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
  • Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Capital One SavorOne Cash Rewards Credit Card

The Capital One Savor One Card is a no annual fee card that earns 3% cash back on restaurant and entertainment purchases, 2% back on grocery, and 1% back on everything else. The card also has no foreign transaction fee which makes it great if you want to earn cash back when traveling internationally. As previously mentioned, I recommend pairing this with the Quicksilver Card so that you never earn less than a 1.5% return on your spend no matter where you are.

Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
  • Earn unlimited 3% cash back on dining and entertainment
  • Earn 2% at grocery stores
  • Earn 1% on all other purchases
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
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No annual fee and no foreign transaction fee

Chase Freedom Flexâ„ 

The Chase Freedom Flex Card is a no annual fee card that earns 5% cash back on quarterly rotating categories. It also earns 5% back on purchases made through the Chase Ultimate Rewards Portal, 3% back on both dining and drugstore purchases, and 1% back on everything else. I highly recommend picking up this card as there is really no drawback to having it.

Chase Freedom Flexâ„ 
Rewards Rate
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • Earn 5% on travel purchased through Chase.
  • Earn 3% on dining at restaurants and drugstores.
  • Earn 1% on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.

Chase Freedom Unlimited®

The Chase Freedom Unlimited is another one of the best cash back credit cards on the market. It earns 5% back on purchases made through the Chase Ultimate Rewards Portal, 3% back on both dining and drugstore purchases, and 1.5% back on everything else. It's pretty similar to the Chase Freedom Flex. I recommend having both so that you can take advantage of the 5% back on rotating categories and the unlimited 1.5% cash back on non-category purchases.

Chase Freedom Unlimited®
Rewards Rate
  • Earn 5% on travel purchased through Chase.
  • Earn 3% on dining at restaurants and drugstores
  • Earn unlimited 1.5% cash back on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee

Citi® Double Cash Card

The Citi Double Cash is a popular no annual fee, 2% cash back credit card in which you earn 1% back when you make the purchase and 1% back when you pay off that purchase. One of the best perks is that you can convert cash back to Citi ThankYou Points which can give the card significantly more value.

Citi® Double Cash Card
Rewards Rate
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program

Wells Fargo Propel American Express® card

If you want to earn a great return on rewards that can be put towards travel, the Wells Fargo Propel AMEX is one of the best no annual fee cards to have. It earns 3 Wells Fargo Points per $1 spent on travel, gas station, transit, dining, and streaming service purchases. The card shines the best when paired with the no annual fee Wells Fargo Visa Signature Card which bumps up the point value from 1 cent to 1.5 cents each for airfare redemptions.

Wells Fargo Propel American Express® card
for best rewards credit cards.
Rewards Rate
  • Earn 3X points per $1 spent eating out and ordering in
  • Earn 3X points per $1 spent on popular streaming services
  • Earn 3X points per $1 spent on gas station, rideshares, and transit
  • Earn 3X points per $1 spent on travel including flights, hotels, homestays, and car rentals
  • Earn 1X points per $1 spent on all other purchases
Intro Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • $0 annual fee and no foreign currency conversion fee
  • Great card for building up points that can put towards travel
  • Pair it with the Wells Fargo Visa Signature Card to get even more value on airfare redemptions

American Airlines AAdvantage MileUpâ„  Card

If you enjoy American Airlines and you're looking to earn some extra AAdvantage Miles, you'll want to consider the AAdvantage MileUp Card. It earns 2 AAdvantage Miles per $1 spent on American Airlines and grocery purchases and 1 mile per $1 spent on everything else. The card also offers 25% off in-flight purchases which is great if you frequently make purchases onboard AA aircraft.

American Airlines AAdvantage MileUpâ„  Card
Rewards Rate
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
Intro Bonus
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights

Delta SkyMiles® Blue American Express Card

The Delta SkyMiles Blue AMEX Card is a great option if you're looking to earn SkyMiles on your purchases. It earns 2 SkyMiles per $1 spent on Delta Airlines and restaurant purchases and 1 SkyMile per $1 spent on everything else. The card offers 20% off in-flight purchases and grants access to Delta's Pay with Miles which allows you to redeem miles for cash off flights. The Delta SkyMiles Blue AMEX Card also has no foreign transaction fee which makes it a solid option if you're looking to earn SkyMiles on international spending and travel.

Delta SkyMiles® Blue American Express Card
Rewards Rate
  • Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
Intro Bonus
Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Annual Fee and No Foreign Transaction Fees.

United Gatewayâ„  Card

United has one no-annual fee credit card which is the United Gateway Card. It earns 2 United Miles per $1 spent on United, gas station, and transit purchases and 1 mile per $1 on everything else. The card offers 25% off in-flight purchases, access to the Luxury Hotel & Resort Collection, and comes with very good travel insurance which includes Trip Cancellation and Trip Interruption insurance.

United Gatewayâ„  Card
Rewards Rate
  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021
  • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
Intro Bonus
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is opened.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No annual fee and no foreign transaction fee

Hilton Honors American Express Card

The best no-annual fee hotel credit card will be the Hilton Honors AMEX Card. It earns 7 Hilton Honors Points per $1 spent with Hilton, 5 points per $1 spent on U.S. restaurant, U.S. supermarket, and U.S. gas purchases, and 3 points per $1 spent on everything else. The card offers complimentary Hilton Honors Silver membership and has no foreign transaction fee which makes it a great option for earning a flat rate of 3x points spending internationally.

Hilton Honors American Express Card
Rewards Rate
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Intro Bonus
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy complimentary Hilton Honors Silver status with your Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that have no annual fee. No annual fee business credit cards will not appear in this list. The Chase Freedom Flex will also not appear in the list due to it having quarterly rotating categories.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-02-26 By Robert Flowers III

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