Best No-Annual-Fee Credit Cards in 2025

The Bilt World Elite Mastercard^® is a no-brainer for renters, since it lets you earn points on rent payments (up to 100,000 points per year) with no transaction fee. However, anyone looking for a good no-annual-fee rewards card should give it a close look. It offers all-around great rewards and perks that are typically reserved for annual fee cards. Just know that you must use the card five times each statement period to earn points.

That includes the option to transfer points to a wide variety of travel loyalty programs, including United MileagePlus and World of Hyatt, to maximize your rewards. You also get double points on dining and travel purchases, making it the most potentially rewarding card on our list in terms of rewards earned per dollar spent. It offers other great travel features, including $0 foreign transaction fees and up to $5,000 in trip cancellation protection per trip.

The American Airlines AAdvantage^® MileUp^® Card gives you the chance to stack up valuable (and hard to come by) AAdvantage miles on your grocery purchases. It’s the only AAdvantage card to offer a bonus on grocery purchases, which means even annual fee AAdvantage card holders might consider adding it to their arsenal.

While it doesn’t offer priority boarding or free checked bags, it does give you a 25% discount on in-flight purchases. But you may want to keep this airline credit card at home during international travel because of its 3% foreign transaction fee.

With 3x points on a wide variety of travel-related purchases, a generous sign-up bonus and no foreign transaction fees, the Wells Fargo Autograph^® Card offers a lot to frequent travelers. Wells Fargo recently introduced transfer partners, which significantly enhances the value of its rewards. Plus, all cardholders receive cellphone protection and rental car coverage.

New cardholders also get an intro APR offer on purchases, which can help you finance an upcoming trip.

The Capital One Savor Cash Rewards Credit Card is one of the most rewarding cash back cards around, especially if you love to eat out and have fun. It offers unlimited 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.

The card has no foreign transaction fees, making it a good choice for travel. You’ll also get a long intro APR on balance transfers and new purchases (a balance transfer fee applies).

If you’re looking for a dedicated card for U.S. gas and U.S. supermarket purchases, the Blue Cash Everyday^® Card from American Express may be your best bet. It offers one of the highest rewards rates among no-annual-fee cards for these categories combined.

Plus, the card includes statement credits of up to $7 per month on Disney streaming bundles of at least $9.99*** per month and up to $15 per month on Home Chef meal kits***.

The Discover it^® Secured Credit Card is one of the most rewarding secured credit cards you can find. It earns cash back on every purchase, including bonus rewards on your first $1,000 on gas station and restaurant purchases each quarter. And it matches all the cash back that you earn at the end of the first year for new cardholders.

There is no credit score required to apply, and you can get started with a security deposit of just $200. Discover also offers automatic account reviews starting at seven months. By responsibly using your card, you may qualify for a higher credit limit or an upgrade to an unsecured card.

The Ink Business Unlimited^® Credit Card offers some of the best rewards of any no-annual-fee business credit card. You’ll get a very generous sign-up bonus, and you’ll earn unlimited 1.5% cash back on every purchase made for your business. Plus, with free employee cards, all of your employee purchases will earn rewards too.

The card includes purchase protection and extended warranty coverage to protect your business, and rental cars receive primary rental car insurance against damage or theft. New cardholders also get an intro APR offer, providing extra time to pay off purchases to even out your cash flow.

The Marriott Bonvoy Bold^® Credit Card comes with a very large sign-up bonus for a card with no annual fee. You’ll get other decent perks like automatic Silver elite status. The card also lets you earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy® and 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, and cable and phone services. Plus, earn 1X point for every $1 you spend on all other purchases.

If you want to achieve higher elite status with Marriott, you’ll receive a jump start with five Elite Night Credits each year. When traveling, keep the Marriott Bonvoy Bold^® Credit Card handy since it has $0 foreign transaction fees and includes valuable travel protections, which cover lost or delayed baggage, trip delays and more.

The Discover it^® Student Cash Back is a great way to build a credit history. It doesn’t require a credit score to apply, and you don’t need a security deposit to open it. Plus, you’ll enjoy a rewards program that’s on par with some of the best cash back cards — as long as you don’t mind activating bonus categories each quarter. You’ll earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

While it doesn’t have a traditional welcome offer, all of your cash back rewards are doubled after the first year, no matter how much you spend.

The Amazon Prime Visa is a fantastic card for Amazon and Whole Foods shopping, but it’s even more than that: It’s a metal card that you can use for a variety of everyday purchases. You’ll earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases.

It’s also a decent option for travel, since it doesn’t charge foreign transaction fees. It even offers a few travel protections like baggage and car rental protection.