Best Credit Cards with No Annual Fee and Cash Back in 2025
Credit cards with no annual fee and cash back rewards are an excellent way to earn money on everyday purchases without worrying about additional costs. These cards cater to a wide range of spending habits, from groceries and gas to dining and travel. The key is to choose a card that aligns with your spending patterns to maximize rewards.
Many no-annual-fee credit cards offer introductory bonuses, such as 0% APR for a limited time or sign-up bonuses after meeting a minimum spending requirement. These perks can provide significant value, especially for new cardholders. Additionally, some cards include benefits like purchase protection, extended warranties, and fraud protection, enhancing their overall appeal.
Top No Annual Fee Credit Cards with Cash Back
Below are some of the best no-annual-fee credit cards available in 2025, each offering unique cash back rewards and benefits.
1. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card offers a flat 1.5% cash back on all purchases, with no limit on earnings. It also provides 5% cash back on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstore purchases, and a $200 bonus after spending $500 in the first three months.
2. Citi® Double Cash Card
The Citi® Double Cash Card stands out with its unique cash back structure: 1% when you make a purchase and an additional 1% when you pay it off, effectively earning 2% on all purchases. There are no rotating categories or spending caps, making it a straightforward option for consistent rewards.
3. Discover it® Cash Back
The Discover it® Cash Back card features rotating 5% cash back categories that change quarterly (up to $1,500 in purchases per quarter, then 1%). All other purchases earn 1% cash back. Discover also matches all cash back earned in the first year, doubling your rewards.
4. Bank of America® Customized Cash Rewards Credit Card
This card allows you to choose your 3% cash back category from options like gas, online shopping, dining, and more. It also offers 2% back at grocery stores and wholesale clubs (up to $2,500 per quarter) and 1% on all other purchases. A $200 online cash rewards bonus is available after spending $1,000 in the first 90 days.
5. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card provides a flat 1.5% cash back on all purchases, with no annual fee or foreign transaction fees. New cardholders can earn a $200 cash bonus after spending $500 in the first three months.
Comparison of Top No Annual Fee Cash Back Credit Cards
| Card Name | Cash Back Rate | Sign-Up Bonus | Intro APR | Foreign Transaction Fee |
|---|---|---|---|---|
| Chase Freedom Unlimited® | 1.5% flat, 3-5% in select categories | $200 after $500 spend in 3 months | 0% for 15 months | 3% |
| Citi® Double Cash Card | 2% (1% when you buy, 1% when you pay) | None | 0% for 18 months | 3% |
| Discover it® Cash Back | 5% rotating, 1% other | Cash back match after first year | 0% for 15 months | None |
| Bank of America® Customized Cash Rewards | 3% chosen category, 2% groceries, 1% other | $200 after $1,000 spend in 3 months | 0% for 15 months | 3% |
| Capital One Quicksilver | 1.5% flat | $200 after $500 spend in 3 months | 0% for 15 months | None |
How to Choose the Right Card
Selecting the best no-annual-fee cash back credit card depends on your spending habits and financial goals. Consider the following factors:
- Reward Structure: If you spend heavily in specific categories, a card with bonus rewards in those areas may be ideal. For general spending, a flat-rate card might be better.
- Sign-Up Bonus: Some cards offer lucrative bonuses for new cardholders, which can provide immediate value.
- Introductory APR: If you plan to carry a balance, a card with a 0% introductory APR can save on interest.
- Foreign Transaction Fees: Frequent travelers should opt for cards with no foreign transaction fees.
By evaluating these factors, you can find a card that maximizes your rewards while keeping costs low.