🆓 Best no-annual-fee credit cards
The best credit cards with no annual fee, ranked by estimated yearly rewards on everyday spending. Every dollar earned is pure upside.
How this ranking works
Every card is scored by the same engine as our card finder quiz, using a fixed profile: $425/mo dining & restaurants · $425/mo groceries · $125/mo gas & ev charging · $900/mo everything else, booking travel directly. Points are valued at conservative baselines, spending caps are applied, and the annual fee is subtracted. Only cards with a $0 annual fee are considered. Prime Visa and Bilt Blue need a membership or bill this profile doesn't assume (Amazon Prime, paying rent by card), so they aren't ranked here. Your own spending will rank these differently — the quiz personalizes it.
- 1Blue Cash Everyday® Card from American ExpressAmerican Express · No fee
~$621/yr back at this profile
3% groceries ≈ $153/yr1% dining & restaurants ≈ $51/yr3% gas & ev charging ≈ $45/yr$264/yr in credits - 2Chase Freedom Unlimited®Chase · No fee
~$454/yr back at this profile
3% dining & restaurants ≈ $153/yr1.5% groceries ≈ $77/yr$40/yr in credits - 3Citi Double Cash® CardCiti · No fee
~$450/yr back at this profile
2% dining & restaurants ≈ $102/yr2% groceries ≈ $102/yr2% gas & ev charging ≈ $30/yr - 4Wells Fargo Active Cash® CardWells Fargo · No fee
~$450/yr back at this profile
2% dining & restaurants ≈ $102/yr2% groceries ≈ $102/yr2% gas & ev charging ≈ $30/yr - 5Capital One Savor Cash Rewards Credit CardCapital One · No fee
~$429/yr back at this profile
3% dining & restaurants ≈ $153/yr3% groceries ≈ $153/yr - 6Chase Freedom Flex® Credit CardChase · No fee
~$367/yr back at this profile
3% dining & restaurants ≈ $153/yr1% groceries ≈ $51/yr$40/yr in credits - 7Discover it® Cash BackDiscover · No fee
~$225/yr back at this profile
1% dining & restaurants ≈ $51/yr1% groceries ≈ $51/yr
PerkSwipe may earn a commission if you apply through our links. That never affects how we rank cards — the ranking above is pure math.
13cards without structured earning data weren't ranked
Capital One VentureOne Rewards Credit Card, Wells Fargo Autograph® Card, Bank of America® Travel Rewards credit card, U.S. Bank Altitude® Connect Visa Signature® Card, Capital One Quicksilver Cash Rewards Credit Card, Bank of America® Customized Cash Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, U.S. Bank Cash+® Visa Signature® Card, Costco Anywhere Visa® Card by Citi, Apple Card, PayPal Cashback Mastercard®, Target Circle™ Credit Card, Hilton Honors American Express Card
Rankings based on your actual spending
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Estimates use conservative baseline point values and the disclosed spending profile — your results will differ. Card terms change often; verify with the issuer before applying. PerkSwipe is independent and not affiliated with any issuer. Nothing here is financial advice.