Solid rewards and perks without paying an annual fee.
Chase
Annual Fee
$0
Rewards Rate
1.5%-5%
Intro Offer
$200
Regular APR
20.49%–29.24%+
A standout no-annual-fee card with strong bonus categories and a simple earning structure. Good for everyday spend and pairing with other Chase cards.
Citi
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
$200
Regular APR
19.24%–29.99%+
Automatically earns 5% on your top spending category (up to $500/quarter). Great for gas, groceries, or dining depending on your habits.
Chase
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
$200
Regular APR
20.49%–29.24%+
No annual fee with 5% rotating categories and 3% on dining and drugstores. Pairs well with Sapphire for point transfers.
Wells Fargo
Annual Fee
$0
Rewards Rate
2%
Intro Offer
$200
Regular APR
19.49%–29.49%+
The best no-annual-fee flat-rate cash back card on the market. 2% on everything with no category hassles, plus 0% intro APR for 15 months. Direct competitor to Citi Double Cash with a better intro offer.
Capital One
Annual Fee
$0
Rewards Rate
1.5%
Intro Offer
$200
Regular APR
19.99%–29.99%+
Straightforward 1.5% back on everything with no annual fee and no foreign transaction fee. One of the simplest good cash-back cards available, ideal as a default everyday card.
Looking for something different?
Browse all credit card categories