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Rewards credit cards with no annual fee are a win-win solution for many people. You earn rewards on every purchase and build your credit score for free. You can earn cashback rewards or travel rewards with no annual fee credit cards too, but they generally aren’t considered credit cards for rewards.
This list is divided into personal and to help you pick a rewards credit card for your purchases. Although these credit cards don’t come with a lot of extra benefits, you can still rack up the rewards points quickly!
Personal Rewards Credit Cards With No Annual Fee
These personal credit cards are a good option as a secondary credit card or to replace your current daily credit card. They each have their own perks and benefits, depending on what you’re looking for and where you spend your money. Here are 5 rewards credit cards with no annual fee.
Amex EveryDay® Credit Card
Best For: Shopping and using at U.S. Supermarkets
Welcome Bonus: 10,000 Membership Rewards points after spending $1,000 on qualifying purchases in the first three months of account opening
It’s not every day that you come across a no annual fee () rewards credit card that earns American Express Membership Rewards points. These points can be redeemed for cash statement credits, gift cards, or 1:1 airline and hotel point transfers.
This is all possible with the Amex EveryDay Credit Card that boasts the following purchase rewards:
-20% bonus with 20 or more monthly card transactions
-2x points at U.S. supermarkets (Up to $6,000 per year then 1x point per $1)
-1x points on all remaining purchases
There is a 2.7% foreign transaction fee with the Amex EveryDay, but you can avoid this fee and earn more on your travel purchases with the Platinum Card from American Express and still earn Membership Rewards with every purchase!
Link for more information:
The information for the Amex EveryDay Credit Card from American Express has been collected independently by Hundredbacklinks. The card details on this page have not been reviewed or provided by the card issuer.
Blue Cash Everyday® Card from American Express
Best For: Cash Back, U.S. Supermarkets, U.S. Gas Station purchases
Welcome Bonus: $150 back (in the form of a statement credit) after spending $1,000 in the first three months
If you buy your groceries from a supermarket (not a discount store like Walmart or Target), the Blue Cash Everyday® Card from American Express gives you 3% cash back on the first $6,000 in grocery store purchases at U.S. supermarkets (then 1% once you hit the $6,000 threshold). That’s $180 in statement credits from grocery purchases alone :
-2% Cash Back at U.S. gas stations and select U.S. department stores
-1% back on all other purchases
The 2% and 1% cash back categories offer unlimited cash back. After maxing out the 3% grocery rewards, all remaining U.S. supermarket purchases will earn 1% until your next card anniversary with this no annual fee () credit card.
Link for more info: Blue Cash Everyday® Card from American Express
Blue Delta SkyMiles® Credit Card from American Express
Best For: Earning Delta SkyMiles without worrying about annual fees ()
Bonus Offer: 10,000 bonus Delta SkyMiles after spending $500 in the first three months
You won’t enjoy free checked bags with the Blue Delta SkyMiles® Credit Card from American Express, but you’ll still earn 2x Miles on purchases made directly with Delta and at U.S. restaurants. Eligible in-flight purchases receive a 20% statement credit and you’ll earn 1 mile per $1 spent on all non-bonus categories.
Your Delta SkyMiles never expire as long as you own this card. You can begin redeeming them for award flights starting at 5,000 SkyMiles.
Hilton Honors American Express Card
Best For: Free Hilton hotel nights
Bonus Offer: Earn 75,000 Hilton Honors Bonus Points after you use your card to make $1,000 in eligible purchases within the first 3 months of account opening
The Hilton Honors Credit Card doesn’t charge an annual fee or a foreign transaction fee (). You’ll also enjoy these complimentary benefits:
-7x points on eligible Hilton stays
-5x points on eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
-3x points on all remaining eligible purchases
-Automatic Hilton Honors Silver status
This no annual fee Hilton Honors American Express Card is a good option if you spend less than $15,000 in annual card purchases. If you spend more than $15,000, upgrade to the Hilton Honors Ascend Card from American Express to earn a free weekend night after spending $15,000 each card membership year.
Learn more: Hilton Honors American Express Card
Best For: Cash Rewards
Sign-Up Bonus: $150 bonus after spending $500 in the first three months
The Chase Freedom earns 5% cashback on up to $1,500 in combined purchases on rotating bonus categories that you activate and 1% on all remaining purchases. For instance, in the first quarter of 2018, you would have earned 5% back on the first $1,500 of combined spending at gas stations, digital wallet payments, and your internet, phone, and cable purchases. For the second quarter of 2018, you got 5% back on grocery stores, PayPal, and Chase Pay.
Although the Chase Freedom is ideal for getting cash back rewards, you can redeem your points or transfer them to your favorite airline or hotel loyalty program if you own a Chase Sapphire product.
Link for more info: Chase Freedom®
The information related to the Chase Freedom credit card has been collected by Hundredbacklinks and has not been reviewed or provided by the issuer of this card.
Business Rewards Credit Cards With No Annual Fee
Business spending can get expensive very quickly. While this isn’t always good for the bottom line, the additional rewards points can maximize every purchase. These are our top business rewards credit cards with no annual fee.
Chase Ink Business Cash
Best For: Cash Rewards
Sign-Up Bonus: $500 cash back bonus after spending $3,000 in purchases in the first three months
With the Ink Business Cash, you have the opportunity to earn 5% or 2% back on your business purchases each account anniversary year. Earn 5% back on the first $25,000 in combined spending on these purchases:
-Office supply stores
-Internet, cable, and phone services
You’ll also get 2% back on the first $25,000 combined spending for these purchases:
All remaining purchases and any bonus category spending in excess of $25,000 will earn 1% back. The Ink Business Cash also comes with primary rental car collision damage waiver protection.
Link for more info: Ink Business Cash℠ Credit Card
Capital One Spark Select for Business
Best For: Cash or Travel Rewards
Sign-Up Bonus: $200 after spending $3,000 on purchases within 3 months of account opening with the Capital One® Spark® Cash Select for Business; or 20,000 miles after spending $3,000 on purchases in the first three months of account opening with the Capital One® Spark® Miles Select for Business
You might prefer a flat rate rewards credit card if you don’t spend enough money in the bonus categories to benefit from tiered purchase rewards. Every business is different and thankfully there’s a wide selection of credit cards to maximize your spending habits.
There are five different versions of the Capital One Spark, but you’ll need to decide if you want to earn cash back or travel miles. Choose the Spark Cash Select for cash back or the Spark Miles Select for reward miles that can be used to book award travel or travel statement credits.
Other than the different award redemption, you’ll earn 1.5 points or cash back on every dollar spent. And, you’ll never pay a foreign transaction fee or annual fee! With either Spark Select credit card, each point is worth 1 cent each. So every 1,000 points equal $10 in rewards.
Link for more info: Capital One® Spark® Cash Select for Business
Link for more info: Capital One® Spark® Miles Select for Business
Summary of Rewards Credit Cards With No Annual Fee
The beauty of having rewards credit cards with no annual fee is that they are free to own, regardless of how often or little you use them. You may only want to add one of these cards to maintain your rewards points balance so it doesn’t expire. Or, you might want to earn the most cash back possible without paying an annual fee.
It doesn’t really matter why you want rewards credit cards with no annual fee, just choose one that offers the most useful rewards for you.
For rates and fees of the Amex EveryDay® Credit Card, please .
For rates and fees of the Blue Cash Everyday® Card, please .
For rates and fees of the Blue Delta SkyMiles® Credit Card, please .
For rates and fees of the Hilton Honors Card, please .
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- 1 Personal Rewards Credit Cards With No Annual Fee
- 2 Amex EveryDay® Credit Card
- 3 Blue Cash Everyday® Card from American Express
- 4 Blue Delta SkyMiles® Credit Card from American Express
- 5 Hilton Honors American Express Card
- 6 Chase Freedom
- 7 Business Rewards Credit Cards With No Annual Fee
- 8 Chase Ink Business Cash
- 9 Capital One Spark Select for Business
- 10 Summary of Rewards Credit Cards With No Annual Fee