Best cashback credit cards with no annual fee

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.

• The perks

  • Cash back.

    Earn 3% cash back at US supermarkets on up to $6,000 in purchases annually. After that, the rate reverts to 1%. Earn 2% back at US gas stations and select US department stores. On everything else you buy, earn 1% cash back.

  • Welcome offer.

    Spend $1,000 within your first 3 months of card membership and earn $150 bonus as statement credit.

  • Intro APR period.

    Get a 0% intro APR period on balance transfers and purchases for 15 months following your account opening. After that, your rate reverts to variable 15.24% to 26.24% (see Rates & Fees).

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.

• The perks

  • Cashback match.

    Instead of the standard signup bonus, you get something better — a cashback match of the entire cash back you earned during your first year. This means that if you earn $400 in cash back within your first 12 months, Discover doubles it for a total of $800.

  • Cash back.

    Get 5% cash back on rotating categories every three months. Categories can include purchases made at US grocery stores, gas stations, some ride sharing companies, restaurants and Amazon. You’re limited to $1,500 per quarter on the 5% categories. After that, and on all other purchases, you earn cash back.

  • Intro APR period.

    Use 14 months following your account opening of interest-free period on balance transfers and purchases. After the intro period passes, your rate reverts to variable 14.24% to 25.24%.

  • Free FICO® credit score.

    Keep track of your credit score on your monthly statements or online at any time for free.

  • Card freeze.

    In case you lose your card, freeze your account on the Discover mobile app or website to stop anyone from using it. When you find your card, simply unfreeze it.

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.

• The perks

  • Cash back.

    Earn 4% cash back at restaurants, bars, takeout and UberEATS; earn 3% back on hotels, airfare and vacation home rentals; earn 2% back on video and music streaming services, Uber rides and online shopping. All other purchases earn 1% back.

  • Signup bonus.

    Spend $500 in your first 90 days of card membership and earn $100 bonus.

  • Online subscription credit.

    Spend $5,000 within a year and earn $50 online credit to use on subscription services like Apple Music, Spotify, Google Music, Pandora, Amazon Music, Netflix, HBO NOW, Amazon Prime and more.

  • No foreign transaction fees.

    When using this card abroad, you won’t pay fees for foreign transactions.

  • Phone protection.

    Pay your mobile phone bill and get coverage against damage, theft or loss. You have a maximum of two claims per year. The claims are limited to $600 each, with a $25 deductible.

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.

• The perks

  • Cash back.

    Earn 5% cash back on two categories of your choice — including electronics stores, furniture stores and department stores — up to $2,000 in combined purchases each quarter, and thereafter. Earn back on one category, such as gas or groceries, and earn back on everything else you buy.

  • Signup bonus.

    Spend $500 in the first 90 days of card membership and get $150 bonus.

  • Intro APR on balance transfers.

    Use a 0% intro APR period on balance transfers for 12 billing cycles following your account opening. After that, a variable APR of 16.24% to 25.74% applies.

  • Digital wallet.

    Simplify your credit card payments by using Apple Pay, Samsung Pay, Google Pay, Microsoft Wallet, Fitbit Pay, Garmin Pay and Visa Checkout with a touch, tap or click.

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.

• The perks

  • Cash back.

    Earn 1% back when you make the purchase and an additional 1% back when you pay it off, for a total of 2% back on everything you buy.

  • Intro APR period.

    Receive a 0% intro APR period on balance transfers for 18 months from your account opening. After the intro period passes, your rate reverts to 15.74% to 25.74% variable.

  • Citi® Private Pass®.

    Get special access to presale tickets or VIP packages for concerts, sports events, dining and more.

  • Apple Pay.

    Use your Apple device to pay at more than 200,000 stores or in-app with mobile retailers.