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Maximize Your Savings Effortlessly: Explore a Range of No Annual Fee Credit Cards Today and Start Maximizing
Best for flat-rate cash rewards
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Wells Fargo's secure site
See Rates & FeesIntro offer
$200 cash rewards
Rewards rate
2%
Annual fee
$0
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Why you'll like this: It offers the highest flat rewards rate on the market, earning you solid cash back on every purchase for no annual fee.
Reward Details
- 2%Earn unlimited 2% cash rewards on purchases
What you should know
Learn more: Is the Wells Fargo Active Cash worth it?
Alternatives: If you want to earn more than 2 percent back in select categories, the Discover it® Cash Back could give more overall value in key spending categories.
- It earns unlimited 2 percent cash rewards are unlimited — no spending caps — and won’t expire as long as you keep your account open and in good standing.
- The card can be a great complement to your wallet by swiping it for purchases that would typically only earn 1 to 1.5 percent with a bonus category rewards card.
- You have to be a Wells Fargo customer to enjoy some of the best rewards redemptions like withdrawing cash from a Wells Fargo ATM or directly depositing it to a checking account.
- The foreign transaction fee makes the card an expensive choice for spending abroad.
Card Details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for food & entertainment
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Capital One's secure site
See Rates & FeesIntro offer
Earn $200 Cash Back
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: It’s one of the few no-annual-fee cards to offer an excellent rewards rate on both dining and grocery purchases — many cards favor just one category.
Reward Details
- 8%8% Cash Back on Capital One Entertainment purchases
- 5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3%3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1%1% Cash Back on all other purchases
What you should know
Learn more: Is the Capital One Savor worth it?
Alternatives: The Discover it® Cash Back Credit Card offers an even higher rewards rate on grocery stores and restaurants, up to the quarterly maximum.
- Earn a sky-high 8 percent cash back on Capital One Entertainment, plus a boosted rate on groceries, dining, sports events, concerts, streaming services and more.
- You can pool your cash back with certain Capital One travel cards, which can make rewards worth more.
- Popular superstores like Target and Walmart aren’t included in the grocery store category.
- The catch-all rate on all other purchases is lower than with comparable cards.
Card Details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
Best for rotating bonus categories
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Discover's secure site
See Rates & FeesIntro offer
Cashback Match
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 27.24% Variable APR
Why you'll like this: It has one of the highest boosted rewards rates on quarterly categories of everyday spending.
Reward Details
- 5%Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate.
- 1%Plus, earn unlimited 1% cash back on all other purchases.
What you should know
Learn more: Guide to 2025 Discover cash back calendar
Alternatives: Flat-rate cash rewards cards such as the Wells Fargo Active Cash Card may be better if you want a straightforward rewards program.
- Get boosted rewards at places like restaurants, home improvement stores, grocery stores, gas stations, drugstores, Target, Amazon, Walmart and more, depending on the quarter.
- Discover matches all the cash back you earn at the end of the first year — with no caps.
- You won't know the bonus categories in advance, so rewards earning takes flexibility.
- There's a spending cap on each quarterly bonus, and you have to manually activate the categories.
Card Details
Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
Best for beginners
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Capital One's secure site
See Rates & FeesIntro offer
Earn $200
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: Its straightforward cash back makes it a good fit if you're new to rewards and already bank with Capital One.
Reward Details
- 5%Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5%Earn unlimited 1.5% cash back on every purchase, every day
What you should know
Learn more: Capital One Quicksilver: A great starter card
Alternatives: Still for no annual fee, the Capital One Savor card offers a higher boosted rewards rate for cardholders who buy groceries, dine out and pay for entertainment often.
- Rewards are unlimited, and the catch-all rate is decent compared to that of boosted rewards cards — typically only 1 percent.
- You can finance a large purchase or pay off debt with the intro APR offer on purchases and balance transfers.
- You may be able to earn more rewards with other flat-rate or bonus category cash back credit cards.
- The card is similar to the Capital One VentureOne card, but cash back rewards can be worth less than miles.
Card Details
Earn a one-time $200 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
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Best for credit builders
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Capital One's secure site
See Rates & FeesIntro offer
N/A
Annual fee
$0
Regular APR
29.74% (Variable)
Why you'll like this: It offers an unsecured credit option and potential credit limit increases for cardholders with less-than-perfect credit scores.
What you should know
Learn more: Capital One Platinum benefits guide
Alternatives: For a low annual fee, the Capital One Quicksilver One Cash Rewards Credit Card offers rewards to cardholders with fair credit.
- You can qualify for this card with only fair credit, and you won't have to put down a security deposit.
- Your account will be automatically reviewed for a credit limit increase after six months of responsible use, which can boost your credit utilization ratio.
- With no rewards, welcome offer or intro APR offer, the card doesn't offer much value beyond credit-building.
- The regular APR on this card is among the highest on the market, so carrying a balance could be expensive.
Card Details
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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