Lisa Cahill, Credit Cards Moderator
@lisacahill
The best cash back credit card with no annual fee is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. New Wells Fargo Active Cash cardholders also get $200 cash rewards after spending $500 in the first 3 months. You will need good credit or better to get approved.
Best Cash Back Credit Cards with No Annual Fee
Cash back gives flexibility and freedom when it comes to earning and using rewards. You’ll get a percentage back on every purchase, and you can spend your rewards however you like. Below, you can get an even better sense of how much you can earn with the top cash back credit cards with no annual fee.
Best Credit Cards with No Annual Fee and Cash Back Comparison
Credit Card | Best For | Ongoing Rewards |
Overall | 2% cash rewards | |
Excellent Credit | 1.5 - 2.5%* cash back | |
Low APR & Rewards | 1.5 - 5% cash back | |
Dining Rewards | 1 - 5% cash back | |
Fair Credit | 1.5% cash back | |
Limited Credit | 1 - 1.5% cash back | |
Bad Credit | 1.5 - 5% cash back |
*Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.

Wells Fargo Active Cash® Card
Jeffery Gulbro, Member
@jefferyg_34
The PayPal Cashback Credit Card is much better; $0 annual fee and 2 - 3% cash back.
Brandon Bettan, Member
@brandon_bettan
I think it's the Discover it® Cash Back card. It matches all the cash back you've earned during your first year, so your 5% back will actually be 10%.
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