A lot of people assume that rewards credit cards with no annual fee are the best offers on the market. They feature the best of both worlds, as they give but do not take. That might seem logical, but with credit cards, you have to pay for admission to the best deals. In other words, the best rewards cards on the market tend to charge annual fees but offer more than enough in rewards to make up for it. This promotes card use, which in turn allows issuers to make money off interchange fees.
What can we learn from this environment? Well, it would seem that no annual fee rewards cards are best when your planned annual spending on your new card (and corresponding rewards earning potential) is not high enough to justify paying for better earning rates. They’re also good for people who don’t want to have to worry about racking up annual fees if they ever stop using their account. So, if you have such a need, compare the cards listed below (some of which are issued by WalletHub partners) in order to find the suite of rewards that best complement your spending habits. If you’re shopping for your primary everyday credit card, on the other hand, we recommend comparing all rewards credit cards, regardless of whether or not they charge a membership fee.…
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
Comparing Rewards Credit Cards with No Annual Fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
What credit cards will not affect your credit score when applying for?
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.