Credit cards with no annual fees are a great way to earn rewards, build credit, and manage finances without extra costs. NerdWallet, a trusted personal finance platform, regularly evaluates credit cards to help consumers find the best options.
Chase Freedom Unlimited
One of NerdWallet’s top picks, the Chase Freedom Unlimited®, offers strong cash-back rewards with no annual fee. Cardholders earn:
1.5% cash back on all purchases
3% back on dining and drugstore purchases
5% back on travel booked through Chase
This card is ideal for everyday spending, and its rewards can be combined with other Chase cards for even greater value.
Citi Double Cash Card
For simplicity and high rewards, the Citi Double Cash® Card is a NerdWallet favorite. It offers:
1% cash back when you make a purchase
Another 1% when you pay it off (totaling 2% back on everything)
With no annual fee and unlimited 2% cash back, this card is perfect for those who want a straightforward, high-reward option.
Discover it Cash Back
The Discover it® Cash Back card is another no-fee standout, featuring:
5% cash back in rotating quarterly categories (up to $1,500 in purchases per quarter)
1% back on all other purchases
Cashback Match™ – Discover doubles all rewards earned in the first year
This card is excellent for budget-conscious spenders who maximize bonus categories.
Capital One VentureOne Rewards Credit Card
For travel enthusiasts, the Capital One VentureOne Rewards Credit Card (no annual fee) provides:
1.25x miles per dollar on all purchases
5x miles on hotels and rental cars booked through Capital One Travel
No foreign transaction fees, making it great for international trips
While it doesn’t offer as many perks as its premium counterpart, it’s a solid no-fee travel card.