These Are the Most Requested No-Fee Credit Cards in the United States

You can earn top rewards without an annual fee. Premium cards offer perks like lounge access and big bonuses, but they need work to be worth it.

No-annual-fee cards offer benefits like 2% cash back and 0% interest periods without upfront costs. 


They’re a hassle-free way to earn rewards. To help you pick the right option for your needs, we have identified the five best no-annual-fee cards.

What You Need to Look for in a No-Fee Credit Card

When it comes to managing finances wisely, selecting the right no-fee credit card is crucial. 

No-fee credit cards offer the advantage of avoiding annual charges, making them a popular choice among consumers. 


However, it’s important to look beyond the absence of fees and consider other features that can enhance your financial well-being. 

Here’s what to look for in a no-fee credit card:

  • Rewards Programs: Look for cards that offer cash back, points, or miles on your purchases, providing value for every dollar spent.
  • Interest Rates: Pay attention to the APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances to ensure it’s competitive.
  • Sign-Up Bonuses: Some no-fee cards offer welcome bonuses, such as extra points or cash back, when you meet certain spending requirements within a specific time frame.
  • Introductory Offers: Look for cards with introductory 0% APR offers on purchases or balance transfers, which can help you save on interest.
  • Foreign Transaction Fees: If you travel or make purchases in foreign currencies, choose a card that doesn’t charge foreign transaction fees.
  • Security Features: Ensure the card comes with robust security measures like fraud protection, EMV chips, and contactless payment options.
  • Customer Service: Consider the issuer’s reputation for customer service, as responsive support can be invaluable in case of issues or inquiries.

Best for Cash Rewards

The Wells Fargo Active Cash® Card is ideal for those seeking cash rewards. It offers a simple, high reward rate without the hassle of tracking categories.


Wells Fargo Active Cash® Card

Key Features:

  • Earn Rate: 2% cash rewards on all purchases.
  • Welcome Bonus: $200 cash rewards after spending $500 in the first three months.
  • Annual Fee: None.
  • APR: Variable 20.24%, 25.24%, or 29.99%.

Why Choose This Card

If you want a no-fuss card with a top cash-back rate, consider the Wells Fargo Active Cash. It provides a flat 2% back on purchases, which is competitive among both fee and no-fee cards. 

The $200 welcome bonus is accessible with just $500 spent in three months, lower than many other cards. 

For typical spending of $3,000 a month, you’ll earn $720 annually, plus an extra $200 in the first year with the bonus. This card offers excellent returns for regular spending and timely payments.

Best for groceries

A credit card that is best for groceries offers higher reward rates for purchases made at grocery stores. 

It’s designed to maximize savings for those who spend a significant portion of their grocery bills.

Capital One SavorOne Cash Rewards Credit Card

For a quick overview of the Capital One SavorOne Cash Rewards Credit Card, refer to the points below:

  • Base rewards rate: 1%
  • Bonus rewards: 3% at grocery stores (excluding superstores like Walmart® and Target®), dining, entertainment, U.S. streaming services
  • Sign-up bonus: $200 after spending $500 in three months
  • Annual fee: None
  • APR: 19.99% – 29.99%, variable

Why It’s Great for Groceries

Groceries are a major expense for many American households. 

The Capital One SavorOne card offers a high reward rate of 3% on grocery store purchases, excluding superstores like Walmart or Target. 

This rate is one of the highest uncapped rates for groceries available.

Additional Benefits

Apart from groceries, the card rewards 3% on dining, entertainment, and streaming services. Other purchases earn 1%. 

You can increase your rewards by using specific portals, with 10% back on Uber and Uber Eats and 8% on entertainment through Capital One Entertainment. 

The card also offers a $200 sign-up bonus after spending $500 in the first three months.

Earning Potential

A family spending $3,000 monthly on their SavorOne card, with half on food, could earn $920 in cash back in the first year with the bonus and $720 in subsequent years. 

This makes it a strong contender for those who spend heavily on groceries and other bonus categories.

Best for Travel

Discover it® Miles is a top choice for travelers seeking a credit card with great benefits.

Discover it® Miles

Key features:

  • Base rewards rate: 1.5x
  • Sign-up bonus: Unlimited miles match after first 12 months
  • Annual fee: None
  • APR: 17.24% to 28.24%, variable
  • Foreign transaction fee: 0%


The Discover it Miles card offers a competitive edge with no annual fee. 

In the first year, you earn 3 points per dollar on all purchases, thanks to Discover’s mile-matching program. 

After the first year, the rate is 1.5 miles per dollar.

Rewards & Bonuses

Miles are worth 1 cent each towards travel purchases. While you can’t transfer miles to airline or hotel programs, you can redeem them for cash. 

Spending $3,000 monthly earns you 108,000 miles ($1,080 value) in the first year and 54,000 miles ($540 value) annually thereafter.

Travel Perks

The card is ideal for global travelers, with no foreign transaction fees

However, note that Discover cards may have limited acceptance internationally compared to Visa and Mastercard.

Best for Business

When we say a credit card is best for business, we mean it offers rewards, features, and benefits that align with business needs, such as cash back on purchases, low fees, and additional perks to maximize value.

Chase Ink Business Unlimited® Credit Card

Read the key points below for a quick summary of this credit card:

  • Base rate: Unlimited 1.5% cash back
  • Sign-up bonus: Earn $750 bonus cash back after spending $6,000 in the first 3 months
  • No annual fee
  • 3% foreign transaction fee
  • 0% intro APR on purchases for the first 12 months, then variable APR of 18.49% – 24.49%

Hassle-Free Cash Rewards

The Chase Ink Business Unlimited is a no-annual-fee card offering a simple cash rewards rate. 

It’s ideal for businesses looking for easy rewards management without tracking bonus categories or worrying about redemption values.

Cash Back

With no spending cap, all business expenses earn 1.5% cash back. 

Adding employee cards at no extra cost and setting individual spending limits can accelerate point accumulation. 

A potential annual cash back of $1,800 can increase to $2,550 in the first year with the bonus.

Offer and Other Perks

This card offers a 0% introductory interest rate on purchases for the first year, beneficial for businesses starting or expanding. 

However, it’s less suitable for international travel due to a 3% foreign transaction fee.

Best for Paying Off Debt

When we talk about a credit card that is best for paying off debt, we mean a card that offers favorable terms for transferring and paying down existing balances

These cards typically feature low introductory APRs and balance transfer fees, making them ideal for consolidating and reducing debt.

Chase Slate Edge℠

Read the key features below for a quick summary of this credit card:

  • Intro APR Offer: Enjoy 0% APR for 18 billing cycles on purchases and balance transfers. After that, the regular APR of 20.49% to 29.24% applies.
  • Balance Transfer Fee: Pay a fee of 3% (minimum $5) for balance transfers.
  • Annual Fee: $0
  • Regular APR: Ranges from 20.49% to 29.24%

Addressing Credit Card Debt

American credit card debt has surpassed $1 trillion. To manage this, consider transferring your balance to a card like Chase Slate Edge. 

It offers an 18-month interest-free period for balance transfers made within the first 60 days, with a subsequent regular APR of 20.49% to 29.24%.

Benefits of Chase Slate Edge

Chase Slate Edge stands out with its low balance transfer fee of 3% (min. $5) and an extended 18-month 0% APR period

For example, to clear a $5,000 balance within this period, you’d pay $286 monthly, including the balance transfer fee. 

This is more cost-effective than keeping the balance on a card with a 20% interest rate, which would require $324 monthly and incur around $830 in interest charges.


In conclusion, the right no-annual-fee credit card can align with your financial goals, whether it’s earning rewards, saving on groceries, traveling, managing business expenses, or paying off debt. 

By considering key factors like rewards rates, interest rates, and sign-up bonuses, you can find a card that fits your needs without the burden of an annual fee.