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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 the best credit cards for rewards available.
This list is divided into personal and business credit cards to help you pick the best 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!
The Best 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 of the best rewards credit cards with no annual fee.
Amex EveryDay Credit Card
Best For: Making more than 20 monthly card purchases/Cash or Travel Rewards
Bonus Offer: 10,000 Membership Rewards points after spending $1,000 in the first three months
It’s not every day that you come across a no annual fee rewards credit card that earn 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)
- 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: Amex EveryDay
Blue Cash Everyday Card from American Express
Best For: Cash Rewards and Supermarket Purchases
Bonus Offer: $150 back 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 from American Express gives you 3% back on the first $6,000 in grocery store purchases. That’s $180 in statement credits from grocery purchases alone plus:
- 2% at U.S. gas stations and restaurants
- 1% on all remaining purchases
The 2% and 1% cashback categories offer unlimited cash back. After maxing out the 3% grocery rewards, all remaining supermarket purchases will earn 1% until your next card anniversary.
Link for more info: Blue Cash Everyday Card from American Express
Blue Delta SkyMiles Credit Card
Best For: Earning Delta SkyMiles
Bonus Offer: 10,000 bonus Delta SkyMiles after spending $500 in the first three months
You won’t enjoy free checked bags, but you’ll still earn 2x miles on Delta purchases and at U.S. restaurants. All in-flight purchases receive a 20% statement credit and you’ll earn 1 point per $1 spent on all non-bonus categories.
Your Delta SkyMiles never expire as long as you own this card and you can begin redeeming them for award flights starting at 5,000 SkyMiles.
Link for more info: Blue Delta SkyMiles Credit Card
Hilton Honors Credit Card
Best For: Free Hilton hotel nights
Bonus Offer: Earn 50,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
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 Hilton stays
- 5x points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
- 3x points on all remaining purchases
- Automatic Hilton Honors Silver status
This no annual fee Hilton Honors Credit 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 ($95 a year) to earn a free weekend night after spending $15,000 each card membership year.
Link for more info: Hilton Honors Credit Card
Best For: Cash Rewards
Sign-Up Bonus: $150 bonus cash after spending $500 in the first three months
The Chase Freedom earns 5% cashback on rotating bonus categories and 1% on all remaining purchases. 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 2018, you get 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 Best 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 bonus cash after spending $3,000 in the first three months
With the Ink Business Cash, you have the opportunity to earn 5% or 2% back on your business purchases. 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:
- Gas stations
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: Chase Ink Business Cash
Capital One Spark Select
Best For: Cash or Travel Rewards
Sign-Up Bonus: $200 or 20,000 miles after spending $3,000 in the first three months
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 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: See Here
Link for more info: Find More Here
Summary of Best 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.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.