✓ No annual fees
✓ Easy redemptions
✓ High sign-up bonuses
Unlimited 2% cash back. No caps.
Best overall cash back card
Earn 5% in top eligible spending category
0% intro balance transfer
3% back in category of your choice
5% back grocery store offer
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Most Popular Cash Back Credit Card
A no-fee cash back credit card can help you earn rewards on your spending without paying an annual fee. With this type of credit card, you can earn cash back on purchases and take advantage of bonus categories. You can also improve your credit history by using your card responsibly and paying your balance on time.
One of the primary benefits of a no-fee cash back credit card is the ability to earn rewards without paying an annual fee. No yearly fees allow you to fully take advantage of the cash back rewards the card offers without incurring extra costs. Additionally, many cash back credit cards offer higher reward rates in specific categories, like gas, groceries, or restaurants. Using your card in these categories can earn even more cash back on your purchases.
Using a credit card responsibly can also be a great way to build your credit history. Paying your balance on time and keeping your credit utilization low can demonstrate to lenders that you are a responsible borrower. Increased credit scores can help you qualify for other types of credit in the future, like a mortgage or car loan
Earn cash back rewards: With a no-fee cash back credit card, you can earn cash back on your purchases. This means you can get a percentage of your spending back in cash or statement credits.
No annual fee: Unlike many credit cards, many cash back credit cards don't charge a yearly fee. This means you can enjoy the benefits of cash back rewards without paying anything extra.
Bonus categories: Many no-fee cash back credit cards offer higher reward rates in specific categories, like gas, groceries, or restaurants. This means you can earn even more cash on purchases in these categories.
Build credit history: By using a no-fee cash back credit card responsibly and paying your balance on time, you can improve your credit history. This can help you qualify for other types of credit in the future, like a mortgage or car loan.
Save money: A no-fee cash back credit card can help you save money. By earning cash back on your purchases, you're effectively getting a discount on everything you buy. This means you can keep more money in your pocket and use it to save or invest.
The Bread Cashback™ American Express® Credit Card is a great way to earn 2% on purchases with no annual fee. You'll enjoy cardholder perks like dining discounts, purchase protection, and Amex Offers, but you won't find a welcome bonus or introductory 0% APR, which can be found with similar flat, cash-back cards on the market today.
The Citi Custom Cash℠ Card is a no-fee credit card that allows cardholders to earn cash back rewards on their spending. The card offers a unique rewards structure that automatically adjusts to your spending habits, with 5% cash back on your top eligible spending category each billing cycle.
The Citi Double Cash® Card is a credit card offered by Citibank that allows users to earn cashback rewards on purchases. It offers 1% cashback on purchases and an additional 1% cashback when the user pays off their balance. This card also has no annual fee and provides access to various Citi perks and benefits.
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