Best No Annual Fee Credit Cards in the U.S. – Save Without Sacrificing Rewards

🚫 No Annual Fee—Ever: The Best Credit Cards That Cost You Nothing to Keep

Why pay just to own a credit card? In 2025, there are plenty of high-quality credit cards with no annual fee that offer real benefits without draining your wallet.

Whether you’re building credit, earning cashback, or just avoiding unnecessary costs, there’s a no-fee option that fits your lifestyle.

Below, we’ve rounded up the best no-annual-fee credit cards available in the U.S.—each with valuable perks, rewards, and approval ease.

Why Choose a Credit Card with No Annual Fee?

No-annual-fee credit cards are perfect for anyone who wants to:

✅ Keep long-term accounts open to build credit history
💰 Avoid paying yearly fees for unused benefits
🛒 Still enjoy cashback, points, or travel rewards
📈 Build or rebuild credit with no upfront cost

You don’t need to compromise on features just to avoid a fee.

Let’s take a look at the top options that offer excellent value—year after year.

Top No Annual Fee Credit Cards (2025)

1. Citi® Double Cash Card

💳 Earn 2% cashback: 1% when you buy, 1% when you pay.
🚫 No annual fee. No caps. No rotating categories.
💲 Simple structure and flexible rewards.

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2. Discover it® Cash Back

💵 5% cashback on rotating quarterly categories (activation required).
💸 Unlimited 1% on all other purchases.
🎁 Cashback Match: Get all your cashback doubled at the end of your first year.

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3. Wells Fargo Active Cash® Card

💰 2% unlimited cashback on every purchase.
🎉 $200 welcome bonus after spending $500 in 3 months.
🚫 No annual fee + cell phone protection.

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4. Chase Freedom Unlimited®

🔄 1.5% cashback on all purchases + bonus rates on travel, dining, and drugstores.
🎁 $200 bonus after $500 spent in the first 3 months.
🛡️ Includes purchase protection and extended warranty.

Learn more