Best cashback credit cards with no annual fee | finder.com
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Best cashback credit cards with no annual fee — December 2018

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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.

Cash back without a yearly fee: Blue Cash Everyday® Card from American Express

  • $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 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • 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.
  • See Rates & Fees
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Find a cashback credit card with no annual fee

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
$0
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
16.99% to 25.74% variable
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 2 on other purchases, and redeem points for Uber credits, gift cards or cash back.
$0
15.49% to 25.49% variable
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

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

Blue Cash Everyday® Card from American Express

  • $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 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • 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.
  • See Rates & Fees
Read less
Read more
Promoted
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

Discover it® Cash Back

Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.

Promoted
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

Uber Visa Card

Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 2 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Promoted
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

U.S. Bank Cash+™ Visa Signature® Card

When you spend $500 on your card within the first 90 days, you’ll receive a 150 cash back bonus.

Promoted
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

Citi® Double Cash Card

Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Promoted
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 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

woman holding smartphone and credit card
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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
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First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
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Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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