Best no annual fee credit cards

1. 1
   

   Wells Fargo

   Active Cash Credit Card

   2% cash rewards on purchases with no categories to track or quarterly activations

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
2. 2
   

   Citi

   Citi Double Cash Credit Card

   2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
3. 3
   U.S. Bank Smartly Visa Signature Card

   U.S. Bank

   U.S. Bank Smartly Visa Signature Card

   2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
4. 4
   U.S. Bank Altitude Go Secured Visa Card

   U.S. Bank

   U.S. Bank Altitude Go Secured Visa Card

   4X points on dining, takeout, and restaurant delivery · 2X points at gas stations and grocery stores

   Worth about $545 every year on typical spending — rewards and credits minus the $0 fee.

   $545/ yearAnnual fee $0
5. 5
   

   Chase

   Chase Freedom Unlimited

   1.5% cash back · 3% on dining and drugstore purchases

   Worth about $540 every year on typical spending — rewards and credits minus the $0 fee.

   $540/ yearAnnual fee $0
6. 6
   

   Citi

   Citi Strata Card

   5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com · 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category

   Worth about $528 every year on typical spending — rewards and credits minus the $0 fee.

   $528/ yearAnnual fee $0
7. 7
   

   Capital One

   Savor Rewards for Good Credit

   3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases

   Worth about $528 every year on typical spending — rewards and credits minus the $0 fee.

   $528/ yearAnnual fee $0
8. 8
   

   Wells Fargo

   Wells Fargo Autograph Card

   3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans · 1X points on other purchases

   Worth about $528 every year on typical spending — rewards and credits minus the $0 fee.

   $528/ yearAnnual fee $0
9. 9
   

   Chase

   DoorDash Rewards Mastercard

   4% cash back on DoorDash and Caviar orders · 3% cash back on dining

   Worth about $502 every year on typical spending — rewards and credits minus the $0 fee.

   $502/ yearAnnual fee $0
10. 10
    

    American Express

    Blue Cash Everyday Card

    3% cash back on eligible purchases at U.S. supermarkets, U.S. online retail purchases, and gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)

    Worth about $480 every year on typical spending — rewards and credits minus the $0 fee.

    $480/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

• Cash back
• Travel
• Dining
• Groceries
• Gas
• No foreign fee
• Premium
• No-fee cash back
• No-fee travel
• No-fee dining
• No-fee groceries
• Balance transfer
• Students
• Business
• Fair credit

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.