“Best Credit Cards with Cashback Rewards and No Annual Fees”
Best Credit Cards with Cashback Rewards and No Annual Fees: If you love earning cashback without worrying about annual fees, you’re in the right place! Credit cards with cashback rewards and no annual fees are perfect for everyday spending, allowing you to save money easily.
In this guide, we’ll analyze the top 10 best credit cards with cashback rewards and no annual fees in 2025 so you can choose one that fits your lifestyle. We’ll discuss their benefits, rewards, and rates, and why they’re special.
Why Choose a Cashback Credit Card with No Annual Fees?
Before we dive into our list, let’s briefly discuss why these cards are great:
✅ No additional costs – You can keep all your rewards without paying an annual fee.
✅ Easy earnings – Earn cashback on groceries, gas, dining, and more.
✅ Great for beginners – Simple rewards structure with no complicated tiers.
Now, let’s take a look at the best options available in 2025!
Top 10 Best Cashback Credit Cards with No Annual Fees in 2025
1. Chase Freedom Unlimited®
Best for: One-time cash back on everything
- Rewards: 1.5%-5% cash back (5% on travel through Chase, 3% at restaurants/drugs, 1.5% on everything else).
- Bonus: $200 when you spend $500 in the first 3 months.
- Perks: No annual fee, 0% introductory annual percentage (APR) for 15 months.
This card is perfect if you want simple, high-value rewards. It also syncs well with other Chase cards if you want to maximize points.
Learn more about Chase Freedom Unlimited® here
2. Citi Double Cash® Card
Best for: Consistent 2% cash back on all purchases
- Rewards: 2% cash back (1% on purchases, 1% on payments).
- Bonus: None, but the high flat rate makes up for it.
- Perks: No annual fee, flexible redemption options.
If you want a straightforward cashback credit card with no annual fee, this is a great option.
3. Discover it® Cash Back
Best for: Rotating 5% categories
- Rewards: 5% cash back in rotating categories (up to $1,500 per quarter), 1% on everything else.
- Bonus: Discover matches all cash back earned in the first year.
- Perks: No annual fee, free FICO® score access.
If you don’t mind keeping track of quarterly categories like gasoline, Amazon, and groceries, this card is perfect for you.
Check out Discover it® Cash Back details here
4. Capital One SavorOne Cash Rewards Credit Card
Best for: Dining & Entertainment
- Rewards: 3% on dining, groceries, and entertainment, 1% on everything else.
- Bonus: $200 when you spend $500 in the first 3 months.
- Perks: No annual fee, no foreign transaction fees.
Food lovers and frequent eaters will love this no-annual-fee cash-back credit card.
5. Bank of America® Customized Cash Rewards Credit Card
Best for: Customizable rewards
- Rewards: 3% in your category of choice (petrol, online shopping, dining, etc.), 2% at grocery stores/wholesale clubs, 1% on everything else.
- Bonus: $200 when you spend $1,000 in the first 90 days.
- Benefits: No annual fee, flexible category changes.
Great for people who want control over their rewards.
6. Wells Fargo Active Cash® Card
Best for: Unlimited 2% cash back
- Rewards: 2% on all purchases.
- Bonus: $200 when you spend $500 in the first 3 months.
- Perks: No annual fee, mobile phone protection.
A strong competitor to the Citi Double Cash, with a solid sign-up bonus.
7. Apple Card
Best for: Apple users and everyday spending
- Rewards: 3% at Apple and select merchants, 2% with Apple Pay, and 1% other ways.
- Bonus: None, but seamless integration with Apple.
- Perks: No annual fee, instant cash back through Daily Cash.
If you use Apple Pay often, this is a great cashback credit card with no annual fee.
8. U.S. Bank Cash+® Visa Signature® Card
Best for: bonus categories you choose
- Rewards: 5% in two categories (such as utilities, internet, or gym memberships), 2% in one category, 1% on all others.
- Bonus: $200 when you spend $1,000 in the first 120 days.
- Perks: No annual fee, flexible rewards.
Perfect for managing bills and subscriptions.
9. PayPal Cashback Mastercard®
Best for: online shoppers and PayPal users
- Rewards: 2% on all purchases, 3% when using PayPal.
- Bonus: None, but high flat-rate rewards.
- Perks: No annual fee, easy redemption through PayPal.
A great option for frequent online shoppers.
10. Blue Cash Everyday® Card from American Express
Best for: groceries and retail
- Rewards: 3% at US supermarkets (up to $6,000 per year), 2% at gas stations and select US retailers, 1% elsewhere.
- Bonus: $200 when you spend $2,000 in the first 6 months.
- Benefits: No annual fee, Amex Offers for extra savings.
Ideal for families who spend a lot on groceries.
See more about the Blue Cash Everyday® Card here
Final Thoughts: Best Credit Cards with Cashback Rewards and No Annual Fees
If you want a cash back credit card with no annual fee, consider these:
- Flat-rate rewards? → Citi Double Cash or Wells Fargo Active Cash.
- Rotating categories? → Discover it® Cash Back.
- Dining and groceries? → Capital One SavorOne or Blue Cash Everyday.
All of these best credit cards with cashback rewards and no annual fee offer unique benefits, so choose according to your spending habits.
Do you have a favorite cashback card? Let us know in the comments!
**************
Disclaimer: Credit card offers change frequently. Check the issuer’s website for the latest terms.
By choosing the right cashback credit card with no annual fee, you can earn rewards without the hassle—happy spending!
FAQs About Best Credit Cards with Cashback Rewards and No Annual Fees
1. What is the best cashback credit card with no annual fee?
The Chase Freedom Unlimited® is a great option with 1.5%-5% cashback, a $200 bonus, and no annual fee.
2. Can I get more than 2% cash back with no annual fee?
Yes! Cards like the Discover it® Cash Back (5% rotating categories) and Capital One SavorOne (3% on dining/grocery) offer higher rewards.
3. Do no annual fee cash back cards offer sign-up bonuses?
Many cards do! The Wells Fargo Active Cash® gives $200 when you spend $500 in 3 months.
4. Are no-annual-fee cash-back cards good for travel?
Some, like the Chase Freedom Unlimited®, offer additional benefits on travel booked through Chase. But travel-specific cards may offer better benefits.
5. How can I maximize cash back with these cards?
Use category bonuses (e.g., U.S. Bank Cash+®, for 5% on utilities) and paired cards (e.g., Citi Double Cash®, for 2% on everything).
Want more info? Check out our full guide above!
More Like This-
