No annual fee credit cards
Nothing to pay just for having the card. Sorted by how much each one gives back.
Estimate based on your answers, not a credit check. Approval is up to the issuer. Advertiser disclosureHow lemonope makes moneylemonope is free to use. If you click an Apply link and apply, or are approved, the card issuer or an affiliate partner may pay us. The amount differs from card to card.That never changes your approval odds, the order cards are shown in, or which cards we show. We never sell your personal information.Approval odds are estimates, not guarantees. The issuer decides. Card terms change often, so check the issuer's site before applying. We do not list every card on the market.Read the full disclosure · Sorted by the card's own published terms, never by what an issuer pays.
122 cards · 21 business cards are under Business · Answer 6 quick questions to see your approval odds
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U.S. BankU.S. Bank Cash+ Secured VisaSecured · 
5% two categories you choose (first $2,000/quarter combined), 2% one everyday category you choose, 1% else; 5% prepaid travel via U.S. Bank Travel Center; deposit
- Annual fee
- No fee
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U.S. BankU.S. Bank Altitude Connect Visa SignatureTravel ·
4x travel, 4x gas & EV charging (first $1,000/quarter), 2x grocery/dining/streaming, 1x else; 5x prepaid hotels & car rentals via U.S. Bank Travel Center
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.74%–27.74% variable
- Welcome offer
- 20,000 bonus points
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U.S. BankU.S. Bank Cash+ Visa SignatureCash back ·
5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.99%–28.24% variable
- Welcome offer
- $200 after $1,000 spend
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PenFed Credit UnionPenFed Platinum Rewards Visa SignatureCash back ·
5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 12 months on balance transfers made in the first 60 days
- Regular APR
- 17.99% variable
- Welcome offer
- 15,000 points after $1,500 spend in 90 days
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RobinhoodRobinhood Gold CardCash back ·
3% cash back on all categories (Robinhood Gold membership required)
- Annual fee
- No fee
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SynchronyVerizon Visa CardCash back ·
4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Verizon Dollars)
- Annual fee
- No fee
- Regular APR
- 22.24%, 27.24% or 33.24% variable
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ChaseChase Freedom UnlimitedCash back ·
1.5% everything, 3% dining & drugstores, 5% Chase Travel
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $200 bonus after $500 spend in 3 months
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ChaseChase Freedom FlexCash back · 
5% rotating quarterly categories, 3% dining & drugstores, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $250 bonus after $500 spend in 3 months
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Capital OneCapital One Savor Cash RewardsCash back ·
3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel
- Annual fee
- No fee
- Intro APR
- 0% for 12 months on purchases and balance transfers
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $200 after $500 spend in 3 months
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PNCPNC Cash Rewards VisaCash back ·
4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on balance transfers made in the first 90 days
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $250 after $1,000 spend in 3 months
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U.S. BankU.S. Bank Altitude Go Visa SignatureCash back ·
4x dining, 2x grocery/gas/streaming, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.74%–27.74% variable
- Welcome offer
- 20,000 bonus points
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U.S. BankU.S. Bank Altitude Go Secured VisaSecured ·
4x dining (first $2,000/quarter), 2x grocery/gas/EV charging/streaming, 1x else; deposit
- Annual fee
- No fee
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SynchronyVenmo Credit CardCash back ·
3% dining & entertainment, 3% paying with Venmo, 1% else; 4% when friends pay you back in Venmo
- Annual fee
- No fee
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Capital OneBJ's One+ MastercardStore ·
5% at BJ's (One+ members), 2% else; fuel discount
- Annual fee
- No fee
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ChaseDoorDash Rewards MastercardCash back ·
4% DoorDash/Caviar, 3% dining, 2% grocery, 1% else
- Annual fee
- No fee
- Regular APR
- 18.49%–27.99% variable
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Capital OneT-Mobile Visa CardCash back ·
5% at T-Mobile, 2% else (in T-Mobile Rewards)
- Annual fee
- No fee
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SynchronyCareCredit Rewards MastercardStore ·
4x CareCredit network purchases under $200 (through 12/31/27), health & wellness and pet stores; 3x grocery & restaurants; 2x else
- Annual fee
- No fee
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American ExpressHilton Honors American Express CardHotel
7x Hilton, 5x restaurants/US supermarkets/US gas, 3x else
- Annual fee
- No fee
- Regular APR
- 19.74%–28.74% variable
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U.S. BankU.S. Bank Smartly Visa SignatureCash back ·
2% on everything, up to 4% with Smartly Savings balances
- Annual fee
- No fee
- Intro APR
- 0% for 12 billing cycles on purchases and balance transfers
- Regular APR
- 18.49%–28.49% variable
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CitiAT&T Points Plus Card from CitiCash back ·
3x gas & EV charging, 2x grocery & AT&T, 1x else (ThankYou points)
- Annual fee
- No fee
- Regular APR
- 19.74%–27.74% variable
- Welcome offer
- $200 statement credit after $1,000 spend in 3 months
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Mission LaneMission Lane Visa (Gold Line, Silver Line, Green Line, Secured)Credit building ·
Gold Line: 3% gas/travel/dining, 1% else; Silver Line: 1.5% everything; also Green Line and Secured
- Annual fee
- No fee
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ChaseInstacart MastercardCash back ·
5% Instacart (Instacart+ members), 2% dining/gas/streaming, 1% else
- Annual fee
- No fee
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $50 Instacart credit on approval
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Navy Federal Credit UnionNavy Federal cashRewards PlusCash back ·
2% cash back on everything (membership required)
- Annual fee
- No fee
- Regular APR
- 14.15%–18.00% variable
- Welcome offer
- $250 after $2,500 spend in 90 days
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CitiCiti Double Cash CardCash back ·
2% on every purchase (1% when you buy, 1% when you pay)
- Annual fee
- No fee
- Intro APR
- 0% for 18 months on balance transfers
- Regular APR
- 18.49%–28.74% variable
- Welcome offer
- $200 after $1,500 spend in 6 months
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