Best cashback credit cards with no annual fee | finder.com
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Best cashback credit cards with no annual fee

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Earn unlimited cash back on all purchases, rotating categories or specific categories.

Getting a cashback credit card could be one of the most rewarding choices you can make. Depending on where you spend the most, you can earn accelerated cash back on specific categories or on everything you buy. But know that this type of cards usually comes with potentially high APRs. Make sure you pay your balance on time to avoid offsetting your rewards.

Our pick for no annual fee

Blue Cash Everyday® Card from American Express

  • Earn a $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.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Find a cashback credit card with no annual fee

Name Product Annual Fee Balance Transfer APR Purchase APR Filter values
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
$0
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
16.24% to 25.74% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
$0
17.99%, 23.99% or 28.74% variable
17.24%, 23.99% or 28.74% variable
Get 4% back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem for Uber credits, gift cards or cash back.

Compare up to 4 providers

Best cashback credit cards with no annual fee

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Best cashback credit card for rewards on groceries: Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express could be an ideal choice for families that spend heavily on groceries and gas. On these two categories, plus at select US department stores, you’ll earn accelerated cash back. In addition, you can earn a solid welcome offer and a long intro APR period on balance transfers and purchases.

Best cashback credit card with highest signup bonus: Discover it® Cash Back

The Discover it® Cash Back card offers accelerated rewards on rotating categories each quarter. Depending on how much you spend within your first year — you can get the highest signup bonus that any no-annual-fee card offers.

Furthermore, the card comes with a long intro APR period on balance transfers and purchases, free FICO® score tracking, also there’s no penalty APR if you make late payments and more.

Best cashback credit card for dining and travel: Uber Visa Card

If you frequently dine out and travel, the Uber Visa Card is worth considering. It offers accelerated cash back in these two categories and on online subscription services. Also, there’s no foreign transaction fee, which saves you money when traveling abroad.

Best for accelerated cashback flexibility: U.S. Bank Cash+™ Visa Signature® Card

If you’re looking to maximize your cash back, the U.S. Bank Cash+™ Visa Signature® Card could help you achieve that. The card offers accelerated cash back on two categories of your choice each quarter. That way, you can rotate the categories to those you expect to spend the most money on every three months.

A long intro APR period on balance transfers and no penalty APR for late or returned payments round out the card.

Best for flat cash back on all purchases: Citi® Double Cash Card

The Citi® Double Cash Card can be a great choice for those who don’t spend much on any particular category. It can help you earn accelerated cash back on all of your purchases, which could pay off in the long run. You can also benefit from 18 months of 0% — one of the longest intro APR periods on balance transfers.

How we selected our top cards

When making our picks for best cashback credit cards with no annual fee, we looked at several features across eligible products, including cashback rewards categories, cash back per dollar spent, welcome offer value, flexibility to earn cash back, any cash back limitations, introductory APRs and any other considerations a consumer might weigh when choosing a cashback card. Our selected cards stood out above the others in one or several of these categories, earning spots on our list.

What’s changed in 2019

U.S. Bank Cash+™ Visa Signature® Card bonus categories will change going into 2019. Look for U.S. Bank announcements — issued quarterly — about which categories earn you more cash back.

The Citi® Double Cash Card is still the one to beat for no-annual-fee, flat-rate cash back.

How to compare cashback credit cards with no annual fee

To find the best cashback credit card for your needs, ask yourself:

  • Do you want unlimited cash back on everything you buy? The Citi® Double Cash Card is one of the rare cards that lets you earn high cash back on all of your purchases, without limitations. As additional perk, you get a long intro APR period on balance transfers.
  • Do you spend a lot on groceries? Consider the Blue Cash Everyday® Card from American Express. With this card, you earn accelerated cash back on groceries, gas and at select US department stores. You also get a long intro APR period on balance transfers and purchases, and a solid welcome offer.
  • Do you spend a lot on dining? To earn the most rewards, consider the Uber Visa Card. It lets you earn accelerated cash back on dining, travel purchases and on streaming services — and you get to earn a decent welcome offer and an online streaming services credit.
  • Do you want a high signup bonus? The Discover it® Cash Back has the highest signup bonus potential as it matches all the cash back you earned during your first year. This can also be a solid choice if you want to earn accelerated cash back on rotating categories every three months.
  • Do you want flexibility on cashback categories? The U.S. Bank Cash+™ Visa Signature® Card is one of the rare cards that lets you choose two categories to earn accelerated cash back during each quarter. Aside from cash back, you can earn a solid signup bonus, and you get a long intro APR period on balance transfers.

Bottom line

When it comes to the best cashback credit cards with no annual fee, there are choices for almost any lifestyle. Examining how you can earn the most from your next credit card — either through travel, dining, groceries or gas.

However, if none of these cards look enticing to you, consider comparing other no-annual-fee credit card options.

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