Anonymous
What is the best credit card?
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Rewards Credit Cards with No Annual Fee
WalletHub makes it easy to find the best rewards credit card with no annual fee.
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 rack… show moreshow less
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Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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13.99% - 24.99% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
Additional Info
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Cash Back
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.74% - 23.74% (V)
Rewards Details
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.49% - 25.49%* (V)
Rewards Details
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- No categories to track, no caps on cash back, no annual fee*
Additional Info
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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14.74% - 24.74% (V)
Rewards Details
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- 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
Additional Info
- 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Cash Rewards Credit Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.99% - 25.99% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 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% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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16.99% - 25.74% (V)
Rewards Details
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Purchase Intro APR
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0% for 12 billing cycles
Transfer Intro APR
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0% for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
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15.24% - 25.24% Variable
Rewards Details
- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Additional Info
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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16.99% - 25.74% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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24.99% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Limited History
Rewards Details
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- We automatically match all the cash back you’ve earned at the end of your first year.
Additional Info
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- See More Details & Reviews About TheDiscover it® Secured
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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13.90% - 27.90% (V)
Rewards Details
- Earn 1.5% cash back on every purchase with no limits or category restrictions
Additional Info
- Pay no annual fee, no penalty APR and no foreign transaction fees
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR will apply. This rate will vary with the market based on the prime rate.
- Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.
- See More Details & Reviews About TheUSAA® Preferred Cash Rewards Visa Signature® Card
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Community Discussion
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
Anonymous
What credit cards will not affect your credit score when applying for?
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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. Actual terms may vary. 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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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