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Top Credit Cards Without Annual Fees
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With the amount of credit cards available to us, it’s important to diversify. Whether that means diversifying between credit card issuers, rewards, or annual fees, diversifying is good. Here is an updated list of credit cards that do not charge annual fees. The best part about these cards is they offer great cash back opportunities.
- $100 cash back (10,000 UR points) after spending $500 in 3 months.
- No annual fee.
- Ultimate rewards points can be transferred to Sapphire Preferred, or Ink Bold/Plus to be used to transfer to airlines/hotels.
- 5X UR points categories that rotate quarterly.
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- $150 cash back after spending $750 in 3 months.
- No annual fee.
- 5% Cash back categories that rotate quarterly.
- Free FICO score
American Express Blue Cash Everyday
- $100 cash back after spending $1,000 in 3 months.
- No Annual Fee
- 3% cash back on groceries.
- 2% cash back on gas and department stores.
- 10,000 Membership Rewards Points after spending $1,000 in 3 months.
- No Annual Fee
- 2X points on groceries.
- 20% bonus points when you have 20+ transactions each month
American Express Hilton HHonors
- 40,000 points after spending $750 in 3 months
- No Annual Fee
- 7X points on Hilton purchases
- 5X at restaurants, supermarkets, and gas stations
- 3X everywhere else
American Express Fidelity Card
- No Annual Fee
- 2% cash back on all purchases
- No annual fee.
- 5% Cash back on cell phones and office supply stores.
- 3% cash back on category of your choice
- 3% Cash back on category of your choice.
- No annual fee.
- $100 Cash back after spending $500 in 3 months
- No annual fee
- 5% Cash back categories that rotate quarterly.
- 1.5% Cash back on all purchases
- no annual fee
My Preferences
My two favorite no annual fee cards are the Discover It and Chase Freedom.
I like Discover because they have great customer service/perks and their gift card value is top-notch. You can often redeem cash back for gift cards worth $5+ more than you redeemed. Also, Shop Discover is a very useful portal.
I like Chase Freedom, since it doesn’t solely earn cash back. Instead, it earns Ultimate Rewards points which can be transferred to multiple travel partners, if you have a Sapphire Preferred or and Ink card.
