If you’re looking for a way to earn rewards on your everyday spending without paying an annual fee, a no annual fee cash back credit card is the perfect solution. In 2025, financial institutions are offering some highly competitive credit cards that give you the best of both worlds: generous cash back rewards and no annual cost.
In this article, we will cover:
- What a no annual fee cash back credit card is
- The top options available in 2025
- How to choose the right card for your needs
- Tips for maximizing your cash back benefits
What Is a No Annual Fee Cash Back Credit Card?
A no annual fee cash back credit card allows you to earn a percentage of your purchases back as cash without charging you a yearly maintenance fee. These cards are especially beneficial for budget-conscious consumers who want to avoid extra costs while still reaping rewards.
For more credit card tips, check out our guide on Top 10 Best Credit Cards USA 2025.
Top No Annual Fee Cash Back Credit Cards in 2025
1. Citi® Double Cash Card
- Cash Back Rate: 2% (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Pros: Straightforward rewards program, no rotating categories
- Cons: No welcome bonus
2. Chase Freedom Unlimited®
- Cash Back Rate: 1.5% on all purchases; up to 5% on travel through Chase Ultimate Rewards
- Annual Fee: $0
- Pros: High rewards potential, good for travel and dining
- Cons: Requires good to excellent credit
3. Wells Fargo Active Cash® Card
- Cash Back Rate: Unlimited 2% cash back
- Annual Fee: $0
- Pros: Simple flat-rate rewards, generous intro bonus
- Cons: Foreign transaction fees
4. Discover it® Cash Back
- Cash Back Rate: 5% on rotating categories (quarterly, up to $1,500), 1% on all other purchases
- Annual Fee: $0
- Pros: Cashback Match for the first year, flexible rewards
- Cons: Activation required for 5% categories
5. Blue Cash Everyday® Card from American Express
- Cash Back Rate: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and select U.S. online retailers, 1% on other purchases
- Annual Fee: $0
- Pros: Strong cash back on groceries and gas, Amex offers
- Cons: 3% category has spending cap, limited international acceptance
How to Choose the Right No Annual Fee Cash Back Credit Card
Consider the following before applying:
- Spending habits: Choose a card that rewards your most frequent spending categories
- Welcome offers: Look for cards with introductory bonuses
- Credit score: Most of these cards require a good to excellent credit score
- Redemption options: Ensure you can easily redeem your cash back for statement credits, checks, or direct deposits
Tips for Maximizing Your Cash Back Rewards
- Pay your balance in full to avoid interest charges
- Use the card for everyday purchases like groceries, gas, and dining
- Track rotating categories if applicable
- Combine with retailer discounts or cashback portals
You can also read our post on credit cards for bad credit for more ideas.
Final Thoughts
With so many no annual fee cash back credit cards available in 2025, it’s easier than ever to earn rewards without extra costs. Whether you’re new to credit cards or looking for a smarter way to manage your expenses, the right card can make a big difference. Be sure to compare offers and read the fine print before applying.
Ready to apply? Compare the best offers and start earning cash back today!
Quick Comparison Table
| Credit Card | Cash Back Rate | Annual Fee | Welcome Bonus | Best For |
|---|---|---|---|---|
| Citi® Double Cash Card | 2% total (1% purchase, 1% payment) | $0 | None | Flat-rate simplicity |
| Chase Freedom Unlimited® | 1.5% on all, up to 5% on travel through Chase Ultimate Rewards | $0 | Yes | Travel and dining |
| Wells Fargo Active Cash® Card | Unlimited 2% | $0 | Yes | Everyday spending |
| Discover it® Cash Back | 5% on rotating categories, 1% on all else | $0 | Cashback Match (1st yr) | Category-based rewards |
| Blue Cash Everyday® Card (Amex) | 3% groceries (up to $6K/yr), 2% gas & online retail, 1% others | $0 | Yes | Groceries and gas |
Summary
Choosing the right no annual fee cash back credit card depends on your lifestyle and spending habits. For flat-rate rewards, Citi and Wells Fargo offer simplicity. If you enjoy category bonuses, Discover and Amex provide value for grocery, gas, and online retail purchases. Travelers may prefer Chase for elevated rewards on travel and dining. Evaluate your needs, compare benefits, and start earning rewards without worrying about annual fees.
For more credit card comparisons, visit our credit card reviews section.
