Best No Annual Fee Credit Cards | Rewards With $0 Fee

Updated August 20, 2025

At Pointalize, we believe the right credit card can unlock smarter spending and bigger rewards.

That’s why we provide clear, independent guides and comparisons to help you make informed decisions.

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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.

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Savor Rewards®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars via Capital One Travel
3% cash back on dining, entertainment, popular streaming, and groceries
1% cash back on all other purchases

Intro offer: Enjoy a $100 credit for Capital One Travel in your first year, plus earn a $200 cash bonus after spending $500 on purchases within the first 3 months

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Apply @ Capital One at issuer’s secure site See Rates & Fees

Pros

Year-round elevated earnings on dining, entertainment, streaming and groceries
8% back via Capital One Entertainment and 5% back on hotels & rental cars through Capital One® Travel
$0 annual fee and no foreign transaction fees

Cons

Best travel earnings require booking through the Capital One® Travel portal
No premium travel protections

Pointalize Final Thoughts

The Savor excels as a no-annual-fee lifestyle card: strong 3% categories for everyday spend, headline 8% via Capital One Entertainment, and useful 5% on hotels and car rentals through Capital One® Travel. With a straightforward welcome bonus, no foreign transaction fees and broad acceptance, it’s an easy recommendation for foodies and entertainment lovers who don’t need premium travel perks.

Read the full review (Coming Soon)

Chase Freedom Unlimited®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% Travel via Chase Travel℠
3% Dining & drugstores
1.5% All other purchases

$150 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months.

Annual fee: $0

Regular APR: 18.99 – 28.99 Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

High base rate: 1.5% cash back on every purchase makes it easy to earn consistently without worrying about categories./drugstores
Bonus multipliers: 3% cash back on dining and drugstores, plus 5% on travel purchased through Chase Travel℠, make it versatile for everyday and travel spending.
Flexible redemption options: Rewards can be cashed out or transferred to premium Chase cards (like Sapphire Preferred or Reserve) for higher value through Chase Ultimate Rewards®.
No annual fee, making it a long-term keeper card.

Cons

Requires pairing: To unlock the best value (like travel transfers), you need a Chase Sapphire card – otherwise, it’s mostly just cash back.
Foreign transaction fees, which reduce its usefulness abroad.
Rewards categories can feel overlapping/confusing for beginners compared to flat-rate cards.

Pointalize Final Thoughts

The Chase Freedom Unlimited® is one of the most versatile starter and keeper cards on the market. With solid rewards across daily spending categories and the ability to scale up when paired with a Chase Sapphire card, it offers both simplicity and long-term growth potential. On its own, it’s a strong no-annual-fee cashback card; combined with Chase’s travel ecosystem, it becomes a gateway to premium redemptions and outsized value. For anyone serious about building a Chase Ultimate Rewards® strategy, this card is almost a must-have.

Read the full review (Coming Soon)

Chase Freedom Flex®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% cash back in quarterly bonus categories.
5% on travel purchased through Chase Travel℠.
3% on dining at restaurants, including takeout and eligible delivery services.
3% on drugstore purchases.
1% on all other purchases.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Annual fee: $0

Regular APR: 18.99% – 28.49% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

5% cash back on rotating quarterly categories (up to $1,500 spend per quarter).
Strong bonus categories: 5% on Chase Travel, 3% on dining and drugstores, plus 1% everywhere else.
No annual fee, making it easy to keep long-term.

Cons

Rotating categories require activation and can feel restrictive.
Foreign transaction fees limit usefulness abroad.

Pointalize Final Thoughts

The Chase Freedom Flex® is a high-value no-annual-fee card for maximizers who don’t mind tracking categories. Paired with a Sapphire card, its rewards become even more powerful through Chase Ultimate Rewards®.

Read the full review (Coming Soon)

Citi Double Cash® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% on hotel, car rentals and attractions booked with Citi Travel.
2% On everything (1% when you buy + 1% when you pay)

Intro offer: No traditional category bonus; occasional targeted offers

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Simple, high flat rate: Earn up to 2% cash back on everything (1% when you buy, 1% when you pay).
No annual fee, making it a long-term keeper for everyday spending.

Cons

No bonus categories or travel perks — strictly a cashback card.
Foreign transaction fees reduce value for international use.

Pointalize Final Thoughts

The Citi Double Cash® Card is all about simplicity and reliability: a flat 2% on everything without tracking categories. Great as a no-annual-fee backbone card, but not ideal if you want perks or elevated rewards on specific spend types.

Read the full review (Coming Soon)

Wells Fargo Active Cash®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

2% Cash rewards on purchases

Intro offer: $200 cash rewards after $500 spend in 3 months

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Rental Car Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Unlimited 2% cash rewards on every purchase — simple and consistent.
$0 annual fee, making it an easy long-term card.
Cell phone protection (up to $600 per claim, $25 deductible) when you pay your bill with the card.

Cons

No bonus categories or travel partners — value capped at flat 2%.
Foreign transaction fees, so not ideal for international spending.

Pointalize Final Thoughts

The Wells Fargo Active Cash® Card is a straightforward 2% cash back card that works well as a core everyday spender. Great for simplicity, but not built for travelers or those chasing premium perks.

Read the full review (Coming Soon)

Blue Cash Everyday® Card from American Express

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

3% U.S. supermarkets (≤ $6k/yr, then 1%)
3% U.S. online retail (≤ $6k/yr, then 1%)
3% U.S. gas stations (≤ $6k/yr, then 1%)
1% Other purchases

Intro offer: $200 statement credit after $2,000 in purchases within the first 6 months

Annual fee: $0

Regular APR: 20.24% – 29.99% Variable APR

Recommended credit: 670–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

No annual fee and a $200 welcome bonus after meeting a moderate spending requirement
Earns 3% cash back at U.S. supermarkets, U.S. online retail purchases and U.S. gas stations (each up to $6K per year)
Includes select streaming credits such as Disney Bundle credit each month when you activate the offer

Cons

Bonus categories capped at $6,000 per year before dropping to 1%
Foreign transaction fees apply, making it less useful abroad
Does not provide premium travel benefits or purchase protection

Pointalize Final Thoughts

The Blue Cash Everyday is a solid no‑annual‑fee card that offers elevated cash‑back rates on supermarkets, gas and online shopping without the complexity of rotating categories. It’s a great starter card for households that spend heavily in these areas, though frequent travelers may prefer a card with no foreign transaction fees and richer travel perks.

Read the full review (Coming Soon)

Citi Strata℠

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

5x Hotels & car rentals via Citi® Travel
3x Supermarkets & select transit
3x 1 quarterly category (e.g., gas/dining/travel)
2x Restaurants
1x Other purchases

Intro offer: 30,000 points after $1,000 in purchases within the first 3 months

Annual fee: $0

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

No annual fee and a 30K‑point welcome offer with a low spending threshold
Earns 5X points on hotels and car rentals through Citi® Travel and 3X points on supermarkets and select transit
Allows cardholders to choose a quarterly bonus category for 3X earnings
No foreign transaction fees

Cons

Must select a quarterly category to maximize 3X earnings
Bonus categories have spending caps that reduce earnings once exceeded
Lacks premium travel benefits and protections

Pointalize Final Thoughts

The Citi Strata Card is a flexible no‑annual‑fee option for everyday spending. Cardholders can earn high rewards on hotels and car rentals through CitiTravel and pick a quarterly category for 3X points, making it easy to tailor rewards to your lifestyle. While it lacks premium perks, the combination of solid earnings and no annual fee makes it a strong starter or companion card.

Read the full review (Coming Soon)

Citi Simplicity® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Long 0% intro APR on purchases and balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Longest 0% intro APR on balance transfers among major cards, making it excellent for debt consolidation.
No late fees, no penalty APR, and no annual fee – a unique triple combination that provides strong peace of mind.
Straightforward design: Simple, transparent terms with no hidden penalty charges.

Cons

No rewards program – you won’t earn points, miles, or cashback on purchases.
Balance transfer fee (5%, $5 minimum) adds to upfront cost when moving debt.
Limited ongoing value once the intro APR period ends.

Pointalize Final Thoughts

The Citi Simplicity® Card is exactly what the name promises – simple and forgiving. With no annual fee, no late fees, and no penalty APR, it’s built for cardholders who want breathing room and don’t want to stress about slip-ups. Its ultra-long 0% intro APR on balance transfers makes it one of the best tools for eliminating high-interest debt. However, it’s not a long-term keeper for rewards or perks, since it offers none. If your goal is to pay down balances without extra costs, this card is one of the most no-nonsense, stress-free solutions available.

Read the full review (Coming Soon)

Citi® Diamond Preferred® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Extended 0% intro APR on balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Very long 0% intro APR on balance transfers and purchases, making it strong for debt repayment or financing large expenses.
No annual fee, so you can keep it long-term at no cost.

Cons

No rewards program, meaning no cashback, points, or miles on spending.
Balance transfer fee (either $5 or 5% of the amount of each transfer, whichever is greater) applies, adding to the initial cost of moving debt.

Pointalize Final Thoughts

Strong pick for low-cost balance transfers without frills.

Read the full review (Coming Soon)

Wells Fargo Reflect®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)

Annual fee: $0

Regular APR: 17.24% – 28.99% Variable APR

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Exceptionally long 0% intro APR period on both purchases and balance transfers – among the best in the industry.
Cell phone protection (up to $600 per claim, $25 deductible) adds solid value for everyday users.
Flexible choice for those who need breathing room to manage existing debt or finance a large purchase without interest.

Cons

No ongoing rewards program, which limits long-term value once the intro APR ends.
Balance transfer fee (5%, $5 minimum) is higher than what some competitors charge.

Pointalize Final Thoughts

The Wells Fargo Reflect® Card is designed with one clear mission: to give you time. If your priority is paying off debt or financing big purchases without the burden of interest, this card stands out with one of the longest 0% APR offers available. However, if you’re looking for long-term rewards, cashback, or premium perks, you’ll want to look elsewhere once the intro period ends. In short, this is not a rewards card—it’s a financial breathing room card. Use it strategically, and it can be one of the most valuable tools in your wallet for debt management.

Read the full review (Coming Soon)

Bilt Mastercard®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

3x Dining and Lyft rides (requires 5 transactions per month)
2x Travel purchases
1x Rent payments (up to 100,000 points per year)
1x All other purchases

Intro offer: Up to 100,000 points on rent in a calendar year

Annual fee: $0

Regular APR: 19.24 – 29.24 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Earns 3X points on dining and Lyft and 2X points on travel after making five purchases each month
Allows renters to earn 1X points on rent payments without a transaction fee (up to 100K points per year)
No annual fee and no foreign transaction fees
Includes travel protections, cell phone insurance and primary rental car coverage

Cons

No standard welcome bonus for new applicants
Must make at least five purchases per month to earn rewards
Base earning rate is only 1X on most purchases

Pointalize Final Thoughts

The Bilt Mastercard is unique for letting renters earn transferable points on rent without paying extra fees. It also rewards dining and travel purchases at competitive rates and comes with useful travel and purchase protections — all for no annual fee. Although it lacks a traditional welcome bonus and requires at least five transactions per month to earn rewards, it can be a valuable everyday card for renters and frequent diners.