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

Best cashback credit cards with no annual fee

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

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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 cash back and no annual fee

HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all cash rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% - 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates And Fees
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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% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
$0
0% intro for the first 12 months (then 14.99% to 24.99% variable)
0% intro for the first 12 months (then 14.99% to 24.99% 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% intro for the first 15 months (then 16.99% to 25.74% variable)
0% intro for the first 15 months (then 16.99% to 25.74% variable)
Earn 3% cash back on all purchases in your first year up to $20,000 spent, then earn 1.5% cash back after that.
$0
0% intro for the first 12 billing cycles (then 15.74% to 25.24% variable)
15.74% to 25.24% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
$0
0% intro for the first 12 billing cycles (then 14.99%, 19.99% or 24.99% variable)
14.99%, 19.99% or 24.99% variable
Earn $200 cash back when you spend $500 within 90 days after account opening.

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

Please note: All information about Blue Cash Everyday® Card from American Express has been collected independently by Finder and this card is no longer available through this site.
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 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 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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