Best Rewards Credit Cards with No Annual Fee

Why It’s One of the Best Rewards Cards with No Annual Fee: Discover it® Miles is the best credit card for miles with no annual fee. Cardholders earn 1.5 miles per $1 on all purchases, and all the rewards new cardholders earn the first year get matched as a first-anniversary bonus. In addition to no annual fee, Discover it Miles also has no foreign transaction fees, though it’s worth noting that Discover cards are not as widely accepted internationally as cards on the Visa or Mastercard networks.

Applicants generally need at least good credit to be eligible for the card.

Why It’s One of the Best Rewards Cards with No Annual Fee: The Wells Fargo Autograph® Card is the best credit card for rewards with no annual fee and no foreign transaction fee. It rewards cardholders with 1 - 3 points per $1 spent on purchases, plus an initial bonus of 20,000 points for spending $1,000 on purchases in the first 3 months. 

Wells Fargo points are worth 1 cent each when redeemed for travel. You need good credit to qualify for the Wells Fargo Autograph Card.

The Wells Fargo Active Cash® Card offers 2% cash rewards on purchases, in addition to an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months. Wells Fargo Active Cash also offers an introductory APR of 0% for 12 months from account opening on purchases and qualifying balance transfers.

This card requires good credit or better for approval. It comes with a regular APR of 19.24% - 29.24% Variable and a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5).

Why It’s One of the Best Rewards Cards with No Annual Fee: The Capital One Savor Cash Rewards Credit Card is the best no-annual-fee credit card with bonus rewards on dining and entertainment purchases. Cardholders earn 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases). New cardholders also earn $300 in welcome bonuses: a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year (limited-time offer), plus a $200 cash bonus for spending $500 on purchases in the first 3 months of opening an account.

Capital One Savor is available to people with good credit or better.

Why It’s One of the Best Rewards Cards with No Annual Fee: Chase Freedom Unlimited® is one of the best cash back credit cards with no annual fee because it offers 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases. Plus, you can earn an initial bonus of $200 for spending $500 on purchases in the first 3 months. On top of all that, new cardholders can get an introductory APR of 0% for 15 months.

You need good credit or better to get approved for the Chase Freedom Unlimited card.

Why It’s One of the Best Rewards Cards with No Annual Fee: The Apple Card is the best credit card for Apple purchases and Apple pay users. It offers 2% cash back on all purchases using Apple Pay (1% for purchases made with the physical card), 3% back on purchases made directly with Apple, including at Apple Stores, on the App Store, and on purchases made at select merchants (like Exxon, T-Mobile, Nike, Uber and more).  

Applicants generally need at least good credit to qualify for the card.
 

Why It’s One of the Best Rewards Cards with No Annual Fee: The Petal® 2 Visa® Credit Card is one of the best rewards credit card with no annual fee for people with limited credit. Petal 2 Card rewards cardholders with 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time. 

This card is available to applicants with limited or no credit history. You just can’t have bad credit.

Why It’s One of the Best Rewards Cards with No Annual Fee: The Capital One Savor Student Cash Rewards Credit Card is one of the best rewards credit cards with no annual fee for students with limited credit. It offers an initial bonus of $50 for spending $100 in the first 3 months. Cardholders also earn 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases). 

The Capital One Savor Student Cash Rewards Credit Card is available to applicants with limited credit or better.

Why It’s One of the Best Rewards Cards with No Annual Fee: Discover it® Secured Credit Card is the best rewards credit card with no annual fee for people with bad credit because it offers 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. It also matches what you earn the first year as a new cardmember. This card is particularly good for people whose biggest expense categories include gas and dining at restaurants.

Discover it Secured Credit Card is available to applicants with bad credit or better.