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It’s time to stash some extra cash in your pocket with the best rewards credit card with no annual fee! In this article, we will take you through the 10 best rewards credit cards that work for you, help you decide if you want to earn cash back, rewards, points, or miles, and pick the card that perfectly matches your spending habits.
We bet you’ll love these best rewards credit cards that can assist you in understanding rewards programs for getting cash back on purchases, some wallet-friendly perks, how you can use these cards to pay your monthly bills, and so much more.
Excited? Who’s not? Let’s go then!
10 Best Rewards Credit Cards with No Annual Fee
Consider the below gloved-up list of cards that will help you pay your regular expenses:
1. Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card is Best for Beginners
Rewards rate
1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro APR:
0% intro APR for 15 months.
Annual Fee:
$0
Regular APR:
19.99% – 29.99%
Credit Score Required: 670 – 850
Why Choose It: The card offers an affordable and streamlined rewards program, which helps you maintain the card with lower risk.
- Rewarded with unlimited 5% cash back on hotels and rental cars booked via Capital One Travel, where you’ll get the best prices on Capital One cards having thousands of trip options.
- Earn unlimited 1.5% cash back every day on every purchase.
Welcome Bonus: Earn a one-time $200 cash bonus after spending $500 on purchases within three months from the date of account opening.
Additional Benefits:
It’s a great fit for beginners looking for a rewards credit card with no annual fee. Moreover, the card offers an easily welcoming sign-up bonus and more.
Pros
- The rewards don’t expire considering the account life and include great shopping and travel protections.
- This card offers good financing options for making big purchases when there’s 0% intro APR on purchases and balance transfers.
Cons
- You can possibly earn more rewards with other bonus categories, such as cash and/or rewards credit cards.
Annual Fee: $0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate.
Credit Score Required: A FICO score of 580 or higher
Intro APR: No intro APR.
Foreign Transaction Fee: No foreign transaction fee
Regular APR: 29.99% (Variable)
2. Capital One Platinum Credit Card
Capital One Platinum Credit Card is Best for Credit Builders
Rewards rate
Earn unlimited 1.5% cash back every day on every purchase.
Intro APR:
No intro APR.
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Credit Score Required: FICO score 580 or higher
Why Choose It: Looking for a card that can help you spring up your credit within a span of like six months? You’ll find a Capital One Platinum Card in the race! It’s a great fit for beginners looking for the best rewards credit card with no annual fee. Moreover, the card offers an easily welcoming sign-up bonus and more.
- Rewarded with unlimited 5% cash back on hotels and rental cars booked via Capital One Travel, where you’ll get the best prices on Capital One cards having thousands of trip options.
- Earn unlimited 1.5% cash back every day on every purchase.
- Get unlimited access to your credit score and tools that will help you deeply analyze your credit profile with CreditWise from Capital One. This service is free and available to any cardholder, whether or not they have a Capital One product.
Welcome Bonus: No welcome bonus
Additional Benefits:
- Capital One does automatic account reviews after six months of responsible card usage, and if you’re qualified, you can get a higher credit limit. This will result in a return that will increase your credit utilization ratio.
- With an online banking mobile app, you can access your account anytime, anywhere, from your phone or desktop.
- Emergency Services: With $0 fraud liability, if your credit card is stolen or lost, you can get a cash advance and an emergency card replacement, which is subject to available credit and you’ll not be responsible for fraudulent purchases.
- Mastercard ID Theft Protection. It’s a free service for MasterCard holders that helps you detect and resolve identity theft issues.
- Autopay: You can set up AutoPay for your account and pay all your payments automatically.
- Tap and Pay: You can securely and quickly check out with your contactless card. Just hold or tap your card on a POS or contactless-enabled card reader, and your payment is done.
Pros
- The rewards don’t expire considering the account life and include great shopping and travel protections.
- This card offers good financing options for making big purchases with its intro APR on purchases and balance transfers.
- No foreign transaction fees
- You’re automatically considered for a higher credit line, which is probably within six months.
Cons
- Cash advance fee
- You can possibly earn more rewards with other bonus categories, such as cash and/or rewards credit cards.
- Very high variable APR
- No welcome bonus or intro APR offer
- No rewards programs
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate.
Foreign Transaction Fee: No foreign transaction fee
3. Hilton Honors American Express Card
Hilton Honors American Express Card is Known to Help Cardholders Earn Great Points
Rewards rate
3X points for each dollar you spent on other eligible purchases.
Intro APR:
No intro APR.
Annual Fee:
$0
Regular APR:
20.99% to 29.99% (Variable)
Credit Score Required: FICO score 690-850
Why Choose It: This $0-annual-fee card is all about exciting Hilton perks. Hilton AmEx offers great ongoing rewards and automatic Silver status on every Hilton purchase, along with several other benefits. The cards work great for new card members loyal to the hotel chain. The card helps you get status updates, earn maximum points, and receive free stays at Hilton hotels.
- Earn 70,000 Hilton Honors bonus points plus a free night reward after spending $2,000 on purchases in the first six months of Card Membership. Ensure this offer ends on 7/31/2024.
- Earn 7X points on hotels and resorts in the Hilton portfolio.
- 5X points on dining at U.S. restaurants, encompassing delivery and takeout services.
- 5X points on groceries at U.S. supermarkets.
- 5X points on gas at U.S. gas stations.
- 3X points for each dollar you spent on other eligible purchases.
Welcome Bonus: Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases within your first 6 months of Card Membership. Offer ends 1/8/2025.
Additional Benefits:
- The Hilton Honors app comforts you by offering you different reward points and so much more.
- American Express Experiences: You can explore the latest offers and rewards in entertainment, including exclusive virtual experiences for card members and new content from exclusive partners in music, theater, sports, and a lot more. By visiting americanexpress.com/entertainment, you can get exclusive access to ticket presales and events that are accessible only to card members in a city near you. What you can do is – Check out concert tours, broadway shows, family events, sporting events, and a lot more.
- Send & Split®: With Send & Split® plan, you can send money and split purchases with PayPal or Venmo users directly from the Amex App. Sign up today. Terms apply.
- Earn more with Amex Offers, where card members can add Amex offers to their qualified cards and earn extra rewards on qualifying purchases you make at select brands.
- The card covers car damage insurance and rental loss.
- 24/7 global assist hotline for traveling more than 100 miles from home
- You can add additional cards for people 13 years or older to increase your probable Hilton Honors points earned.
- Enjoy offers on targeted discounts or extra points.
Pros
- As there’s no foreign transaction fee, you can enjoy international travel without additional fees on worldwide purchases.
- High point earning rates
- Automatic Silver status that includes a fifth night free on award stays
- No blackout dates
- Shopping protections
- You can upgrade to Hilton Honors™ Gold status by spending $20,000 on purchases annually.
Cons
- Low point redemption value
- Poor transfer rate to airline partners
- Silver status comes with restricted benefits
Balance Transfer Fee: N/A
Foreign Transaction Fee: None
Intro APR: N/A
- Ongoing APR: 20.99% to 29.99% variable APR on purchases
- Cash Advance APR: 29.99%, Variable
- Penalty APR: 29.99%, Variable
4. Chase Freedom Rise Credit Card
Chase Freedom Rise Credit Card is Best for New Credit and Students
Rewards rate
Earn 1.5% cash back on all qualifying purchases.
Intro APR:
low intro APR for 18 months
Annual Fee:
$0
Regular APR:
26.99% Variable
Credit Score Required: no min score required
Why Choose It: The Chase Freedom Rise℠ is best amongst credit-building cards as it offers additional benefits, including trip interruption, travel protection coverage, and extended warranty protection.
This card offers amazing perks and offers low-fee financing on purchases above $100. To get approved for a Chase Freedom RiseSM credit card, you should have a total available balance of at least $250 in Chase checking or savings accounts that will increase your chances of being eligible for Chase Freedom RiseSM.
- Earn 1.5% cash back on all qualifying purchases.
- You can get trip cancellation/interruption coverage. You can have a reimbursement of up to $1,500 per person and $6,000 per trip for your non-refundable passenger fares and pre-paid trips. Also, if your trip is cut short or canceled due to severe weather, sickness, and any other unforeseen emergency, it covers many other situations.
- There’s no need for a security deposit for people with little or no credit.
- Chase Mobile app®: You can use the app to make payments, balance transfers, deposits, lock or unlock cards, manage spending, and can even check your rewards, and a lot more.
- Shop with Points at Amazon: You can link your Chase Freedom Rise® credit card to your account on Amazon.com and can immediately redeem your Cash Back rewards for paying your orders on Amazon.com during checkout, which include tax and shipping.
Welcome Bonus: Earn a $25 statement credit after you sign up for automatic payments within the first three months from the date of opening your account.
Additional Benefits:
- As a Chase card member, you’ll be analyzed for a credit line increase within six months. A credit line is the maximum amount of money that you can spend on your Chase Freedom Rise℠ Credit Card.
- Chase Pay Over Time℠: Moreover, with a restricted credit history, you can increase the chances of approval by having a Chase checking account with at least $250 before you apply. Once approved, you can access Chase Pay OverTime℠.
- Chase Credit Journey: Your credit score represents your credit history. Thus, you can keep a check on it anytime you want with the help of Chase Credit Journey. You can even learn how to improve it and get notifications and alerts accordingly.
- Zero Liability Protection: Zero Liability Protection implies you’ll not be responsible for unauthorized charges that are made with your account or card’s confidential information. In case you see an unauthorized charge, you can call the number on the back of your credit card.
- Gift Cards: Enjoy a variety of certificates and gift cards for dining, entertainment, shopping, and more.
- Purchase Protection: The card covers your new purchases and gives protection against theft and damage up to $500 per claim and $50,000 per account for 120 days. There’s also an additional year eligible warranty period of three years or less.
- Travel: You can book your travel with Chase TravelSM to compare competitive rates and the card offers flexible ways to pay.
- Tap and Pay: To have an easy, fast, and secure checkout, you need to tap to pay with your contactless card. For more information, please see www.chase.com/contactless.
- You get discounts and rewards on DoorDash (0 delivery fee) and Lyft rides (5% cash back) with Chase Freedom Rise card.
- Instant Spending: You can apply for the card and use it the same day and can receive instant access to your card by adding it to online or digital wallets, including Apple Pay, Venmo, Samsung Pay, Google Pay™, and more.
Pros
- No annual fee
- Earns rewards
- Reports to the three major credit bureaus
Cons
- High APR
- No bonus categories
Balance Transfer Fee: 5% or $5 of the amount on every transfer you make, whichever is greater.
Foreign Transaction Fee: 3%
Intro APR: Enjoy a low intro APR on balance transfers and purchases within 18 months from the date of opening an account.
- Regular APR:
- Ongoing APR: 26.99% Variable.
- Cash Advance APR: 29.99%, Variable
- Penalty APR: Up to 29.99%
Related articles:
- 11 Best Student Credit Cards With Great Rewards
- 7 Best Credit Cards for College Students
- 5 Best Credit Cards for Students with No Income
5. Citi Costco Anywhere VISA Credit Card
Citi Costco Anywhere VISA Credit Card is Best for Travel Benefits
Rewards rate
Get unlimited 1% on all other purchases.
Intro APR:
0% APR for 15 months
Annual Fee:
$0
Regular APR:
19.24% to 29.24%
Credit Score Required: 720 or higher
Why Choose It: Citi Costco Anywhere Visa is a popular reward credit card that offers a higher reward rate on eligible EV charging and gas stations than most rewards credit card options.
- Earn 2% or 1% cash back or get unlimited 2% on all other purchases from Costco.com and Costco.
- Get unlimited 1% on all other purchases.
- For the first $7,000 per year, earn 3% cash back and 4% on eligible gas plus EV charging with the Costco Anywhere Visa® card and 1% thereafter.
- Get unlimited 3% on eligible travel, including Costco Travel and dining at restaurants.
- Emergency and travel assistance, travel accident insurance, global car rental insurance, and roadside assistance dispatch service.
Welcome Bonus: A one-time $200 cash bonus after you spend $500 on purchases within three months from the date of opening your account.
Additional Benefits:
- Damage and theft purchase protection
- Fraud protection
- You can use the Costco Anywhere Visa card as your Costco membership ID.
Pros
- No annual fee
- No foreign transaction fee
- Rewards on EV charging and gas stations.
Cons
- Restricted reward redemption time period
- You can redeem rewards only at Costco
- You require a Costco membership
Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
Foreign Transaction Fee: No fees
Intro APR: Enjoy a low intro APR on balance transfers and purchases within 18 months from the date of opening an account.
Regular APR: After the introductory period, the variable APR ranges from 19.24% to 29.24%, depending on the cardholder’s creditworthiness.
6. Citi AT&T Points PLUS Card
Citi AT&T Points PLUS Card is Best for Perks for AT&T Customers
Rewards rate
Earn 1x more ThankYou® Points for every $1 spent on all other purchases.
Intro APR:
No offer
Annual Fee:
$0
Regular APR:
19.24% to 29.24%
Credit Score Required: FICO score 670 or higher
Why Choose It: Citi Costco Anywhere Visa is a popular reward credit card that offers a higher reward rate on eligible EV charging and gas stations than most rewards credit card options.
- Earn up to $240 cash back when you qualify for AT&T wireless bills annually after doing qualifying activities.
- Alternatively, you get a $10 statement credit after spending between $500-$999.99 and earn a $20 statement credit after spending $1,000 on every billing cycle on your AT&T Points Plus Card.
Welcome Bonus: Get a $100 statement credit after you spend an amount of $1,000 in the first three months from the date of account opening.
*Exclusive Note: You’ll qualify for the bonus offer only if you’ve not received a bonus offer for opening a new AT&T Points Plus Card in the past 48 months.
Additional Benefits:
- Zero liability coverage.
- The AT&T Citi Points Plus Card offers $0 fraud liability.
- The card offers access to Citi Entertainment deals.
- Earn 3x more ThankYou® Points for every $1 spent at EV charging and gas stations.
- Earn 2x more ThankYou® Points for every $1 spent at grocery stores, such as grocery delivery services.
- Earn 1x more ThankYou® Points for every $1 spent on all other purchases.
Pros
- $0 liability on unauthorized charges
- There is no limit on the points you earn, and these points don’t expire.
- Ability to earn monthly statement credits.
- No annual fee
- Welcome bonus
Cons
- No intro APR
- High spending requirement to earn statement credits
Balance Transfer Fee: 5% of each balance transfer with a $5 minimum, whichever is greater.
Foreign Transaction Fee: 3% for purchases made outside the U.S.
Regular APR: The variable APR will be 19.24% to 29.24%.
7. Bank of America Unlimited Cash Rewards
Bank of America Unlimited Cash Rewards is Best for a 0% intro APR to pay off debt or purchases
Rewards rate
Earn 1x more ThankYou® Points for every $1 spent on all other purchases.
Intro APR:
0% Intro APR for first 60 days
Annual Fee:
$0
Regular APR:
19.24% to 29.24%
Credit Score Required: 690-850
Why Choose It: The Bank of America Unlimited Cash Rewards credit card offers you a flat 1.5% cash back on every purchase you make that can be redeemed for direct deposits or statement credits.
- Get unlimited 1.5% cash back on all purchases with the help of Calculate rewards.
- You earn unlimited cash back and cash rewards that don’t expire as long as your account is active or remains open.
- Bank of America Preferred Rewards® members can earn 25% to 75% more cash back on every purchase. This implies you could earn on every purchase a cashback of 1.87% – 2.62%.
Welcome Bonus: A $200 online cash rewards bonus offer is available after making at least $1,000 on purchases in the first 90 days from the date of account opening.
Additional Benefits:
- Statement credit and direct deposits are made into a checking or savings account of Bank of America®, or they are credited to an eligible Merrill account.
- Also, cash rewards don’t expire on this rewards credit card.
Pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period
Cons
- The best rewards facility is limited to certain customers
- Requires good/excellent credit
Balance Transfer Fee: A 3% Intro balance transfer fee will be there for the first 60 days of opening your account. After the end of the intro balance transfer fee offer, there will be a 4% future balance transfer fee.
Foreign Transaction Fee: 3%
Regular APR:
- Penalty APR: 29.99%, Variable
- Variable APR – 19.24% to 29.24% will apply.
- Cash Advance APR: See Terms
You might interested to learn more about other best 0% APR Credit Cards in the USA.
8. Bank of America Customized Cash Rewards Secured
Bank of America Customized Cash Rewards Secured is Best for Earning Cash Back Rewards while Building Their Credit
Rewards rate
3% cash back every month in the category of your choice.
Intro APR:
0% Intro APR for first 60 days
Annual Fee:
$0
Regular APR:
29.24% Variable
Credit Score Required: 670 or higher
Why Choose It: Bank of America Customized Cash Rewards Secured credit card helps you build your credit while cardholders earn 3% cash back in the category of their choice. Moreover, once a month, cardholders can change their bonus category based on where they want to or will spend the most, which will directly help them maximize their rewards.
- 3% cash back every month in the category of your choice.
- Automatic 2% cash back at grocery stores and wholesale clubs.
- Unlimited 1% cash back on all other purchases.
- Earn 3% cash back in your chosen category, including EV charging and gas stations, online shopping, phone plans, internet, cable bills, streaming services, drug stores, travel, dining, pharmacies, furnishings, and home improvement.
- To change your choice category in future purchases, you can use this bank’s mobile banking app. Also, you can change it monthly or are free to make no changes and let it remain the same.
- You can build up your credit history responsibly using this secured card, which could help you improve your credit score over time.
Welcome Bonus: N/A
Additional Benefits:
- A refundable security deposit of ($200-$5,000) is a must for opening your account. Once your credit is approved, your required deposit is used in combination with your potential to pay and as per your income to help you establish a higher credit line for you.
- You can redeem your cash rewards anytime you want for any amount, statement credits to your credit card, or deposits that are made directly into a Bank of America® checking or savings account, or paying at Amazon when shopping or checking out with PayPal.
- The bonuses of 3% and 2% cash back are applied to the first $2,500 in combined choice category/grocery store/wholesale club purchases every quarter.
- Contactless Chip Technology: You need to tap to pay after seeing the Contactless Symbol. You can easily and quickly make purchases at millions of locations.
- Digital Wallets: You can pay by adding your Bank of America® credit card to your smartphones, shop in-store or in-app using digital wallets, such as Apple Pay®, Google Pay™, PayPal, or Samsung Pay.
- Balance Connect® for Overdraft Protection: An alternative service that helps you protect from declined purchases, bounce checks, returned checks, or any other overdrafts when linking your eligible Bank of America® checking account or savings account to your credit card.
Pros
- No annual fee
- Earns cash-back rewards on eligible spending
- The ability to upgrade to an unsecured card
Cons
- Difficult to track rewards system.
- A $200 opening deposit is required
- No foreign transaction fee
- Secured credit card products are not for new cardholders, including bonuses, cash introductory APRs, rewards, and more.
Balance Transfer Fee: 4% of each transaction.
Foreign Transaction Fee: 3%
Regular APR:
- Penalty APR: 29.99%, Variable
- Variable APR – 19.24% to 29.24% will apply.
- Cash Advance APR: See Terms
Want to explore the top 11 Cash Back Credit Cards available in the USA?
9. Capital One Quicksilver Secured Credit Card
Capital One Quicksilver Secured Credit Card is Best for Boasting a Decent Flat-rate Rewards Program
Rewards rate
Earn unlimited 1.5% cash back on every purchase, every day
Intro APR:
N/A
Annual Fee:
$0
Regular APR:
Purchase Rate 29.99% variable
Credit Score Required: FICO score 580 or higher
Why Choose It: Capital One Quicksilver secured credit card is a solid credit-building option, which makes it one of the most rewarding secured cards in the market. And to access the card, you require putting down a deposit of at least $200 that will further become your credit line.
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.
- Get 5% cash back on car rentals and hotels booked via Capital One Travel.
- Enjoy up to six months
- With responsible card use, you could earn your deposit back and upgrade to an unsecured Quicksilver card.
Welcome Bonus: N/A
Additional Benefits:
- Security Deposit: $200 refundable minimum deposit.
- Refundable Deposits & Upgrades
- You can redeem your cash back anytime for any amount.
- You can directly use your cash back to cover up recent purchases.
- Spend your rewards on purchasing gift cards from the sites or places you love.
- The card automatically considers you for a higher credit line within six months with no additional deposit.
- There’s a $0 Fraud Liability, as you will not be liable for any unauthorized charges in case your card is lost or stolen.
Pros
- No annual fee
- No hidden charges
- Rewards don’t expire
- Qualify with bad or limited credit
- Reports to the three major credit bureaus
- No minimum redemption amount
Cons
- High APR
- No bonus categories
- No bonus offer for new cardholders
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate.
Foreign Transaction Fee: 3%
Regular APR:
- Penalty APR: 29.99%, Variable
- Variable APR – 19.24% to 29.24% will apply.
- Cash Advance APR: See Terms
10. Wells Fargo Attune Card
Wells Fargo Attune Card: Best Known to Encourage Wellness & Health of Planet, Self, and One’s Pets
Rewards rate
Earn unlimited 1.5% cash back on every purchase, every day
Intro APR:
0% intro APR
Annual Fee:
$0
Regular APR:
Purchase Rate 29.99% variable
Credit Score Required: 670 or higher
Why Choose It: Wells Fargo recently launched the Attune World Elite Mastercard in June 2024 to inspire the overall wellness of the self, one’s pets, and, most importantly, the planet. The Attune credit card also helps you earn an excellent (and uncapped) 4% back on gym memberships, pet supplies, and public transportation, among many other categories.
- Earn unlimited 4% cash rewards on the following:
- Gym memberships, spas, and salons.
- You can even select sports, recreation, and entertainment.
- Get 4% cash rewards on electric vehicle charging, pet supplies, public transportation, thrift stores, amusement parks, and more.
- Earn 1% cash rewards on other purchases.
- Get unlimited 4% back in cash rewards at beauty and barber shops.
Welcome Bonus: Get the opportunity to earn a $100 cash rewards bonus after spending $500 on purchases in the first three months from the date of your account opening.
Additional Benefits:
- Wells Fargo Attune will help you donate $50 to Capital Link (a national, non-profit organization) after qualifying for the $100 cash rewards bonus.
- Like a few other Wells Fargo credit cards, the Attune card offers you phone insurance of up to two $600 claims per 12-month period. To qualify for an Attune card, a $25 deductible is required, and cardholders must pay their mobile phone bill.
- With the help of an Attune card, merchant category codes (MCCs) are important considering how much cash back you’ll earn per purchase. These MCCs refer to four-digit codes that categorize businesses as per their goods or services.
Pros
- Points are transferable to other Wells Fargo cards
- There’s no penalty for late payments
- 0% intro APR on purchases
Cons
- High foreign transaction fee.
- No introductory APR on balance transfers.
Balance Transfer Fee: 5% of each transfer, with a minimum amount of $5
Foreign Transaction Fee: 3%
Intro APR: 0% intro APR for Attune cardholders who won’t pay interest on purchases made for 12 months from the date of account opening. Balance transfers that are made within 120 days of opening your account qualify for a 0% introductory APR, and after that, it charges a fee of 3%.
Regular APR: After 120 days, the variable APR is 20.24%, 25.24%, or 29.99%, depending on your creditworthiness.
The Final Saying
Rewards credit cards help you offer amazing cash back, miles, or points on eligible purchases.
We have compiled this list of rewards credit cards for you based on your suitability and consumer value.
Just keep an eye out when paying off the purchase quickly so that you don’t end up paying plenty of interest just to get the bonus.
Still, is it getting difficult to pick up your best rewards credit card? Subscribe to our newsletter to get the best advice and tips from credit card experts.
