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The Best Credit Cards With No Annual Fee [July 2025]
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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There are many advantages of no-annual-fee credit cards. First of all, you’re not paying anything to hold these cards, so you can keep them as long as you wish. Since the length of your credit history is one of the factors that make up your credit score, it can be prudent to hold on to a no-annual-fee credit card indefinitely.
Another advantage of having a no-annual-fee card is that you earn rewards at no additional cost to you, especially on items you’d purchase normally — it’s a win-win all around.
But how do you choose the right no-annual-fee credit card for your situation? Our recommended no-annual-fee credit card list can help you decide just that.
20,000 pointsWells Fargo Autograph℠ CardEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
1x-3xpointsWells Fargo Autograph℠ Card
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.
$200Citi Custom Cash® CardEarn $200 cash-back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash-back.
1%-5%cash-backCiti Custom Cash® Card
Earn 5% cash-back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn an additional 4% cash-back on hotel, rental car, and attraction purchases made via Citi Travel, for a total of 5% back.
Earn unlimited 1% cash-back on all other purchases.
$200Capital One Savor Cash Rewards Credit CardEarn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
1%-8%cash-backCapital One SavorOne Cash Rewards Credit Card
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
Up to $750Ink Business Cash® Credit CardEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
1%-5%cash-backInk Business Cash® Credit Card
Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
15,000 pointsThe Blue Business® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
1x-2xpointsThe Blue Business® Plus Credit Card from American Express
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Earn 1X Membership Rewards® point on other purchases.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent
Why We Like This Card
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros & Cons
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash-back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash-back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more.
3% cash-back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash-back on all other purchases.
No minimum to redeem for cash-back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24% – 28.99%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card.
Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%
Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.
The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 points
$0
0% intro APR for 12 months from account opening on purchases, 19.24%, 24.24%, or 29.24% variable APR thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.
Pros & Cons
Pros
3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
1x points per $1 spent on other purchases
No annual fee
Cons
Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value
Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Financial Snapshot
APR: 0% intro APR for 12 months from account opening on purchases, 19.24%, 24.24%, or 29.24% variable APR thereafter
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.
The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.
Pros & Cons
Pros
5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
Cons
Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
No Annual Fee
Terms and conditions apply.
Financial Snapshot
APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!
Earn $200 cash-back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash-back.
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
Why We Like This Card
The Citi Custom Cash® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, with a $0 annual fee.
Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.
Pros & Cons
Pros
5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
$0 annual fee
Multiple redemption options
Cons
Your 5% category is limited to $500 in spend ($25 in cash-back) each month
Not particularly rewarding for any purchases outside of your top 5% cash-back category
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Get 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
Earn an additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
$0 annual fee.
Citi will only issue one Citi Custom Cash® Card account per person.
Financial Snapshot
APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back
$0
18.24% to 28.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
Why We Like This Card
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros & Cons
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel® portal.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Financial Snapshot
APR: 18.24% to 28.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.
The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
$200 cash rewards bonus
$0
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Pros & Cons
Pros
Earn unlimited 2% cash rewards on purchases
No annual fee
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter (rates & fees)
Cons
No bonus categories for those who want to optimize certain purchases
Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Financial Snapshot
APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200
$0
Purchases: 0% intro on purchases for 15 months; 19.24% - 29.24% variable thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.
The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
Pros & Cons
Pros
8% cash back on Capital One Entertainment purchases
5% cash-back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
Cons
Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros & Cons
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Pros & Cons
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
5% cash-back on travel purchased through Chase Travel
3% cash-back at drugstores and on dining
Unlimited 1.5% cash-back on all other purchases
Travel and purchase protection
This is a straightforward card that earns rewards on every purchase you make, especially for travelers. The Freedom Unlimited card earns cash-back in the form of Ultimate Rewards points that can be redeemed multiple ways, including for travel via Chase Travel at a base rate of 1 cent per point.
The Freedom Flex card offers a simple way to earn Chase Ultimate Rewards points. Each quarter, you’re able to activate bonus categories such as grocery stores, gas stations, wholesale clubs, home improvement stores, and more that can earn up to $75 in points each quarter.
Your points are worth more when transferred to a premium Chase credit card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card and redeemed for travel.
While it’s difficult to find any downside to the card, there is one clear negative: Foreign transactions made with the card are charged a 3% fee.
3x points on all 6 of the following bonus categories:
Restaurants (including catering, delivery, and more)
Travel (including flights, hotels, car rentals, cruises, and more)
Gas (including electric vehicle charging stations)
Transit (including subways, ride-shares, parking, tolls, and more)
Popular streaming services (including Apple TV+, Disney+, Hulu, Peacock, and more)
Phone plans (including cell phone and landline providers)
Cell phone insurance protection
With the Wells Fargo Autograph card, you can earn 3x points on 6 great bonus categories, which include everyday purchases like gas and restaurants, monthly bills like streaming services and phone plans, and more occasional but larger travel expenses.
Once you’ve got a large stash of points, you then have multiple redemption options, such as booking travel through the Wells Fargo travel portal, gift cards, cash-back to offset purchases made with the card, and so on. You can also transfer your points to Wells Fargo transfer partners.
That’s not to mention that the card also offers rental car insurance coverage, roadside dispatch, and does not charge foreign transaction fees.
Selecting your bonus categories each quarter takes extra work, but the unlimited 2% earnings and up to $400 on 5% quarterly bonus earnings each year can be worth the trouble for the right cardholder.
The cards in this category offer simple earning structures that make everyday spending a rewarding experience.
These cards may be a good fit if you’d like to earn rewards on every purchase you make but have no interest in paying an annual credit card fee and don’t have time to decipher complicated earning schemes.
5% cash-back on purchases in your top eligible spend category each billing cycle, on up to the first $500 spent
Eligible categories including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
With the Citi Custom Cash card, you earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle. There’s no category to select — you automatically receive 5% back in whichever category you end up spending the most on each month.
The card also offers a cash welcome bonus offer and a 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
2% cash-back on every purchase: 1% when you make the purchase and 1% when you pay it off (earned as ThankYou Points)
Though Citi has removed its core travel and purchase benefits from its cards, there’s plenty of value left when it comes to earning simple cash-back or transferring a high-interest credit card balance to take advantage of the 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%.
Bottom Line: If you spend a lot in a specific category, it may make sense for you to compare no-annual-fee cards with certain cards that do charge an annual fee in exchange for higher earning potential, greater flexibility at redemption time, and a longer list of valuable travel and shopping benefits and protections. Check out our guide to the best credit cards for each bonus category for our suggestions.
If you like the idea of earning an uncapped 2% cash rewards on all purchases but don’t want to keep track of bonus categories, then the Wells Fargo Active Cash Card might be good for you.
Plus, the card comes with a solid welcome bonus offer, cell phone insurance protection, and a great 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
Unlimited 3% cash-back spent on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
Foodies will love paying their dining tab with the Capital One Savor cardInformation collected independently. Not reviewed by Capital One. and getting 3% cash-back on every dining and entertainment purchase.
Costco members can accumulate rewards throughout the calendar year. Rewards are paid out annually in the form of a voucher and can only be redeemed for cash or merchandise at U.S. Costco warehouses.
Bottom Line: While it may make sense to select a card that rewards well in your biggest spending category, be sure to look at the entire card package to review how the card rewards your overall spending mix, whether redemption options align with your preferences, and if the associated travel or shopping benefits deliver additional value.
When you’re operating a business, cash-back can make a difference to your bottom line.
Top Reasons To Get the Card
A welcome bonus worth hundreds of dollars
5% and 2% cash-back bonus earning categories for business purchases
5% cash-back at office supply stores and on internet, cable, and phone services (up to $25,000 in spend)
2% cash-back at gas stations and restaurants (up to $25,000 in spend)
Travel and purchase protections and benefits
Small businesses face unique challenges. The Ink Business Cash card can help manage those challenges by saving you interest on purchases in the first 12 months after card approval and providing valuable benefits and protections with a $0 annual fee.
It’s easy to earn lots of rewards on your business purchases with bonus-earning categories. Rewards can be redeemed for travel or cash-back that can make a positive impact on your business’s bottom line.
Note that Ultimate Rewards points earned on the card can be redeemed for 1 cent each. They can also be transferred to premium Chase cards for up to 100% more in travel value via Chase Travel Points Boost offers, depending on what card you hold.
Selecting a card that earns valuable Ultimate Rewards points is always a positive move, especially if you’re looking for your first business credit card.
Top Reasons To Get the Card
Welcome bonus worth hundreds of dollars
Unlimited 1.5% cash-back on every purchase
Travel and shopping protections and benefits
Earning a solid 1.5% cash-back on every purchase, regardless of the category, makes earning lots of rewards an easy task. You can then redeem those rewards for what your business needs most: cash-back, travel, gift cards, or even Amazon purchases.
As with several other cards mentioned here, points earned on the Ink Business Unlimited card can be transferred to premium Chase cards for increased redemption value.
The card also comes with valuable travel benefits such as primary car rental insurance, roadside dispatch, and travel emergency assistance. Additionally, you receive shopping benefits such as purchase protection and an extended warranty.
It’s worth noting that, though the card has a $0 annual fee, the card does charge foreign transaction fees.
Want simplicity in earnings from your business credit card? If you’re a busy small business owner, the Amex Blue Business Plus card could be that simple solution.
Top Reason To Get the Card
2x Membership Rewards points on everyday business purchases, up to $50,000 in purchases per year, then 1x thereafter
If your small business spends $50,000 or less per year, the Amex Blue Business Plus card could be an appropriate starter card. Spending $50,000 per year earns 100,000 Membership Rewards points annually.
If you spend a lot in any specific category, you will likely earn more rewards with a business credit card that offers higher rewards in that specific category, even if you have to pay an annual fee.
Methodology
At Upgraded Points, we select the best no-annual-fee credit cards based on how much value the card can provide to cardholders. To do this, we evaluate every factor that makes up a card, including its benefits, earnings structure, welcome bonus offer, redemption value, rewards program, and fees.
Here is some insight into our thought process when selecting the best no-annual-fee cards:
Associated Benefits
No-annual-fee cards aren’t usually known for offering many benefits, so anytime they do, that is a big win in our book. Given that, we give extra points to no-annual-fee cards that offer benefits such as purchase protection, extended warranty protection, and travel insurance.
Earnings Structure
The best credit cards offer strong rewards. For a no-annual-fee card to be worth holding, it needs to either offer solid rewards on all purchases or give users plenty of value in select bonus categories.
Welcome Bonus Offers
Not all no-annual-fee cards offer a welcome bonus, but those that do provide a great opportunity to quickly earn a large chunk of rewards. Given that welcome bonus offers are a one-time bonus, they do play a factor in how we evaluate cards because of how lucrative these bonuses can be.
We provide you with the current welcome bonus offer information available to us for each card, but we also encourage you to confirm the offers, check for elevated promotional offers, and review any earnings offered before applying for any card.
Fees
Aside from looking at cards not charging an annual fee, we still weigh all of the other fees associated with a credit card. These can include foreign transaction fees and late payment fees.
Redemption Value
At Upgraded Points, we prefer cards that earn flexible rewards, as they offer more redemption options. The best no-annual-fee cards let you redeem points directly for travel, cash-back, statement credits, and more.
Hot Tip: While the most desirable benefits and features of a card vary by person, our holistic approach gives readers a full picture of what to expect from every card we review. To learn more about how we review cards, read through our designated methodology page.
Who Should Get a Credit Card With No Annual Fees?
People who are looking to earn credit card rewards for their purchases but aren’t interested in paying an annual fee should consider getting a no-annual-fee credit card.
While many cards with annual fees offer significantly more benefits than those without, you should consider how often you think you’d actually use those benefits. That will help you determine whether or not a card that charges an annual fee is worth adding to your wallet.
For instance, a travel rewards card that charges an annual fee and offers travel-related benefits won’t make much sense for you if you don’t travel often. On the other hand, if you’re simply looking for a card that can help you earn rewards on your purchases and offers consumer protections, a no-annual-fee credit card might be a perfect fit for you.
How To Choose the Best Zero-Annual-Fee Card
The best no-annual-fee card depends on the benefits you need. First, you should narrow down your options by deciding whether you’d like a card that earns cash-back rewards, travel rewards, or flexible rewards.
From there, take a look at the card’s bonus categories then determine which ones would best fit your spending habits. Do you spend a lot each month on certain categories such as dining or groceries? Then you might want a card that offers bonus categories on those purchases. If not, then you could opt for a card that offers a flat rewards rate on all purchases.
After you’ve settled those 2 items, the next deciding factor should be the type of card benefits you’re looking for. Do you want a card that offers purchase protection, travel insurance, or some other type of benefit?
After you’ve considered all of those parameters, you should be looking at a pretty short list of which no-annual-fee cards would be best for you.
Are Credit Cards With Annual Fees Worth It?
Determining whether or not a card with annual fees is worth it depends on your particular needs. Credit cards with annual fees can offer lots of great benefits such as statement credits, airport lounge access, expedited security, and increased bonus categories. You should determine how much value you think you’d get out of the benefits and rewards each year then compare that to the annual fee you’d pay.
If the value you’d receive exceeds the cost of the annual fee, then it would be worth it. If the benefits wouldn’t be that useful to you, then you should stick with a no-annual-fee card.
Can You Get a Credit Card Company To Waive the Annual Fee?
If you hold a credit card that charges an annual fee but feel like you’re not getting enough value from it, you can call the issuer to ask for a retention offer or even waive the annual fee.
To help convince you to keep the card, the issuer might offer to waive the annual fee for a year, reduce the annual fee, or give you another sort of compensation, such as points or a statement credit. However, the issuer may not share any retention offer at all.
Final Thoughts
No-annual-fee credit cards make great starter cards that you can hold for many years. However, most credit cards without an annual fee do not offer the level of benefits, earning potential, or flexible redemption options that might come with cards that do charge annual fees.
Of course, finding a balance between paying annual fees, earning rewards, and utilizing card benefits depends on your personal preferences.
A no-annual-fee card can certainly earn a place in your wallet if any of its attributes add value you can use.
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