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Best cashback credit cards with no annual fee

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 APR. Make sure you pay your balance on time to avoid offsetting your rewards.

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 2022?U.S. Bank Cash+™ Visa Signature® Card bonus categories will change going into 2022. 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.

The Blue Cash Everyday® Card from American Express no longer offers a 0% intro APR period on balance transfers. But this is a minor drawback and it doesn’t affect the card’s cashback value.[/fin_accordion][/fin_accordions]

Best cashback credit card for rewards on groceries

Blue Cash Everyday® Card from American Express

Finder rating 4.6 / 5 ★★★★★

Apply now
on American Express's secure site
Terms apply, see rates & fees
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 get a long intro APR period on purchases.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best for cash back on rotating categories

Chase Freedom Flex℠

Finder rating 4.7 / 5 ★★★★★

See offer
on Creditcards.com's secure site
Terms apply, see rates & fees
The Chase Freedom Flex℠ is the newest form of the Chase Freedom and adds a ton of value to an already strong card. On top of up to 5% back in rotating categories, you will also earn strong flat earning on travel booked through the Chase Travel Portal, dining, delivery and takeout, and drugstore purchases. You can also benefit from an intro purchase APR for 15 months.

Best cashback credit card for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

Finder rating 4.5 / 5 ★★★★★

Apply now
on Capital One Bank®'s secure site
If you frequently dine out and go to live events, the Capital One SavorOne Cash Rewards Credit Card is worth considering. It offers accelerated cash back in these two categories and you get to save money on interest with a 0% intro APR period on purchases. Also, there's no foreign transaction fee, which saves you money when traveling abroad.

Best for flat cash back on all purchases

Citi® Double Cash Card

Finder rating 3.8 / 5 ★★★★★

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 intro APR on balance transfers one of the longest intro APR periods on transfers.

Best for accelerated cashback flexibility

U.S. Bank Cash+™ Visa Signature® Card

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
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.

How do I choose the best cashback credit card 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 purchases, and a solid welcome offer.
  • Do you spend a lot on dining? To earn the most rewards, consider the Capital One SavorOne Cash Rewards Credit Card. It lets you earn accelerated cash back on dining, entertainment and at grocery stores — and you get to earn a decent welcome offer and a long intro APR period on balance transfers and purchases.
  • 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.

Find a cashback credit card with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Capital One Quicksilver Cash Rewards Credit Card
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Blue Cash Everyday® Card from American Express
$0
N/A
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
$0
0% intro for the first 15 months (then 14.99% to 23.74% variable)
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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What are the alternatives to a cashback credit card with no annual fee?

While a cashback credit card with no annual fee may sound great, it’s not for everyone. Here are some alternatives you might want to consider.

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.

Frequently asked questions

  • Which credit card gives the most cash back?
    This mostly depends on your spending habits. Consider on which categories you spend most and look for an appropriate card.
  • Is there a minimum to redeem cash back?
    In general, cashback cards have either no minimum threshold or a $25 minimum.
  • How can I earn most cash back?
    Spending money on the accelerated cashback categories is the obvious way to go. However, paying your balance on time is just as important because this type of card usually has higher APRs.

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