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Many people feel that paying an annual fee for a credit card makes no sense. Why should you pay to spend money? That's not to say that cards with annual fees are never worth it — for example, it's possible to get over $2,000 in value in your first year with The Platinum Card® from American Express, especially if you travel frequently and take advantage of its benefits.
But if you stay close to home — or if you aren't willing to make an upfront investment to receive fancy benefits like annual statement credits, airport lounge access, or elite status — you can do quite well with a card that doesn't charge an annual fee. Plenty of cards without an annual fee offer strong rewards, too, so you're not missing out on points and miles.
Here are our picks for the best no-annual-fee credit cards available right now.
Compare No-Annual-Fee Credit Cards
Best for high cash rewards rate
Wells Fargo Active Cash® Card
4.3/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.
Details
Rewards
Earn unlimited 2% cash rewards on purchases.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24%, 25.24%, or 29.99% variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Editor's Rating
4.3/5
4.3 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Good welcome bonus for a $0 annual fee card
Straightforward 2% cash rewards on purchases with no categories to track
Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
Foreign transaction fees
Highlights
More Information
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select "Apply Now" to learn more about the product features, terms and conditions
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Details
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.35/5
4.35 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Solid flat cash-back rate
You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
No annual fee
Cons
Some other cards offer a higher rate of cash back on certain types of purchases
Highlights
More Information
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Best for earning among the highest cash back, if you work for it
Chase Freedom Flex℠
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Best for earning among the highest cash back, if you work for it
Chase Freedom Flex℠
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Best for earning among the highest cash back, if you work for it
Insider’s Take
The Chase Freedom Flex℠ is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.
Details
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
Generous bonus cash-back categories
Great welcome bonus
Cons
Booking through Chase Ultimate Rewards portal can restrict outside earning potential
Varying percentages and rotating calendar categories require extra attention
3% foreign transaction fees
Highlights
More Information
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
The Wells Fargo Autograph℠ Card is one of the best credit card options if you're looking for a no-annual-fee cash-back card with a solid welcome bonus — especially if you spend a lot in its 3x bonus categories.
Details
Rewards
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.
Annual Fee
$0
Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24%, 25.24%, or 29.99% variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for 12 months from account opening
Editor's Rating
4.3/5
4.3 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Generous welcome bonus for a no-annual-fee card
Great earning rates in useful categories, including dining, travel, and gas stations
Useful benefits including cell phone protection and Visa Signature concierge
Cons
Minimum spending requirement to earn bonus is slightly higher than similar no-annual-fee cards
No airline or hotel transfer partners
Highlights
More Information
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
$0 annual fee
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
Select "Apply Now" to learn more about the product features, terms and conditions.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Details
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% - 29.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months from account opening
Editor's Rating
3.5/5
3.5 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Good bonus cash-back rate at US supermarkets
No annual fee
Cons
If you spend more than $6,000 at US supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap
Highlights
More Information
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Best for getting your first year of cash back matched
Discover it® Cash Back
3.8/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Best for getting your first year of cash back matched
Discover it® Cash Back
3.8/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Best for getting your first year of cash back matched
Insider’s Take
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Details
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
17.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases and balance transfers
Editor's Rating
3.8/5
3.8 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
From July 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets on up to $1,500 in purchases after enrollment, then 1%
Discover will match your cash back earned at the end of your first account year
No annual fee
Cons
Cap on how much bonus cash back you can earn each quarter
If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
Highlights
More Information
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover's website to see terms and conditions.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Details
Rewards
Earn unlimited 1.5% cash back on all purchases.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.99% - 29.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Editor's Rating
4.1/5
4.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Earns 1.5% cash back on every purchase
Intro APR on purchases and balance transfers
No annual fee and no foreign transaction fees
Cons
Other cards earn more cash back
Highlights
More Information
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Best for earning Amex points
Amex EveryDay® Credit Card
3.8/5
Annual Fee
$0
Intro offer
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
The Amex EveryDay® Credit Card is American Express's entry-level card for earning valuable Membership Rewards points. Beyond the ability to earn Amex points without paying an annual fee, the Amex Everyday card's standout feature is a 20% points bonus when you make at least 20 transactions in a billing cycle.
Details
Rewards
Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Annual Fee
$0
Intro offer
10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Recommended Credit
N/A
Regular Annual Percentage Rate (APR)
12.99% - 23.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months from the date of account opening
Editor's Rating
3.8/5
3.8 out of
5 Stars
Pros & Cons
Pros
20% points bonus when you make at least 20 purchases in a billing period
No annual fee
Access to Amex Offers
Cons
Limited bonus categories
Highlights
More Information
The information related to the Amex EveryDay® Credit Card from American Express has been collected by Business Insider and has not been reviewed by the issuer.
2X points at U.S. supermarkets, on up to $6K in purchases
1X points on your other purchases
Membership Rewards® Pay with Points
0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
Best for American airline loyalists
American Airlines AAdvantage® MileUp®
3.25/5
Annual Fee
$0
Intro offer
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
Because the American Airlines AAdvantage® MileUp® doesn't have a big bonus or benefits for frequent flyers, it's best for those who travel infrequently or are just getting started with earning American Airlines miles.
Details
Rewards
Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.
Annual Fee
$0
Intro offer
10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.24% - 29.99% Variable
Editor's Rating
3.25/5
3.25 out of
5 Stars
Pros & Cons
Pros
Earn American Airlines AAdvantage miles with no annual fee
Rack up double miles at grocery stores in addition to American Airlines purchases
Cons
Modest sign-up bonus is much lower than other American Airlines cards
No meaningful frequent flyer benefits
You'll pay foreign transaction fees on purchases made abroad
Highlights
More Information
The information related to the American Airlines AAdvantage® MileUp® card has been collected by Business Insider and has not been reviewed by the issuer.
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
No Annual Fee
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
The United Gateway℠ Card isn't the best credit card for United flyers, but it can be a good option if you want an airline credit card but you never, ever want to pay an annual fee. With the card, you'll earn United miles and access expanded award availability, but you'll wind up with a relatively low welcome offer and few cardholder perks.
Details
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Annual Fee
$0
Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.74% - 28.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for 12 months
Editor's Rating
3.5/5
3.5 out of
5 Stars
Pros & Cons
Pros
No annual fee
Good bonus categories (including gas stations and local transit/commuting)
Access to expanded United award availability
Cons
Other United credit cards have much higher welcome bonuses
No free checked bag benefit like other United cards
Few United perks other than 25% back on inflight purchases
Highlights
More Information
Earn 20,000 bonus miles
No annual fee
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
Earn 2 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent at gas stations, on local transit and commuting
Earn 1 mile per $1 spent on all other purchases
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
10,000 bonus miles after spending $1,000 in purchases on your new card in the first 6 months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
10,000 bonus miles after spending $1,000 in purchases on your new card in the first 6 months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
If you want a credit card that earns Delta miles for your everyday spending but absolutely don't want to pay an annual fee, this card is worth considering. While it doesn't offer travel perks like a free checked bag or priority boarding, cardholders do get 20% back as a statement credit on Delta inflight purchases and access to Delta's Pay With Miles feature. For most Delta flyers, however, a Delta card with an annual fee and more benefits will prove more valuable.
Details
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
Annual Fee
$0
Intro offer
10,000 bonus miles after spending $1,000 in purchases on your new card in the first 6 months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 29.99% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
3.5/5
3.5 out of
5 Stars
Pros & Cons
Pros
No annual fee
Earns bonus miles at US restaurants
Cons
Doesn't offer benefits like a free checked bag when you fly Delta
Highlights
More Information
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Find the right no-annual-fee credit card for you
Chase Freedom Unlimited®
Chase Freedom Flex℠
Discover it® Cash Back
Capital One Quicksilver Cash Rewards Credit Card
Ink Business Cash® Credit Card
United Gateway℠ Card
Our recommendation
Best if you have a Chase Sapphire card
Intro Offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Show more
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Annual Fee
$0
Our recommendation
Earns among the highest cash back, if you work for it
Intro Offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Show more
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Our recommendation
Get your first year of cash back matched
Intro Offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Our recommendation
Earn 1.5% cash back everywhere
Intro Offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Show more
Rewards
Earn unlimited 1.5% cash back on all purchases.
Annual Fee
$0
Our recommendation
Best for small businesses
Intro Offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Show more
Rewards
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.
Annual Fee
$0
Our recommendation
Best for United loyalists
Intro Offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
Show more
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
In many cases, cards with annual fees have perks that are tied to travel, and if you rarely hit the road, these may not be the perfect fit. Always do an honest assessment of a card's perks and see how they match up with your lifestyle before applying for a credit card.
Are there no-annual-fee cards that don't add foreign transaction fees?
Can you get a no-annual-fee credit card with bad credit?
Yes, you can get a no-annual-fee credit card with bad credit, though a majority of no-annual-fee cards require at least good credit to qualify (FICO score of at least 670). A select few no-annual-fee cards — including starter and secured cards — are available to folks with limited or bad credit.
Some no-annual-fee credit cards worth considering are the Discover it® Student Cash Back and the Petal® 2 "Cash Back, No Fees" Visa® Credit Card. Otherwise, you can apply for secured credit cards, which usually don't charge an annual fee, but require a security deposit.
No Annual Fee Credit Card Reviews
Wells Fargo Active Cash® Card
If you want to earn the highest cash rewards possible on every purchase without having to keep track of bonus categories, the Wells Fargo Active Cash® Card is a winner. Cardholders earn 2% cash rewards on purchases with no limits, and there's a solid welcome bonus offer too: $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.
New cardholders also receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR), which is handy if you've got upcoming expenses you can't pay off in full right away.
The card also comes with a decent array of perks, like cell phone protection, travel emergency assistance services, roadside dispatch, and Visa Signature Concierge access. If you're traveling abroad, it's best to leave the Wells Fargo Active Cash® Card at home, because it adds foreign transaction fees.
The Chase Freedom Unlimited® is another top pick for a no-annual-fee card — especially if there's a chance that you'll want to earn more valuable credit card rewards with a premium credit card later on.
That's because while Chase markets the card as "cash back," it actually earns Chase Ultimate Rewards® points that you can redeem for cash, gift cards, or travel through the Chase Travel Portal at a rate of 1 cent per point.
The Chase Freedom Unlimited® earns 5% cash back on travel booked through Chase, 5% back on Lyft rides through March 2025, 3% cash back on dining and at drugstores, and 1.5% back on all other purchases (or 1.5 points per dollar spent). Paired with a Sapphire Reserve, it's a great card to use for purchases that aren't made on travel expenses or dining.
The Freedom Unlimited is a fantastic all-around card. However, to get the most value when it's time to spend your points, you need the Sapphire Reserve or Preferred card, too, so you can pool your points. Otherwise, points are only worth 1 cent each no matter how you use them, and they can't be transferred to airline or hotel partners.
The Chase Freedom Flex℠ works virtually the same way as the Chase Freedom Unlimited®, earning cash back in the form of Chase Ultimate Rewards points that you can either combine with another card, or redeem for cash or merchandise.
The key difference is how it earns those rewards. Unlike the Chase Freedom Unlimited® — which earns 1.5% cash back (or 1.5 points per dollar spent) on most purchases, the Chase Freedom Flex℠ earns 5% (or 5x) in rotating categories each quarter (once activated) on up to $1,500 spent in that category. From July 1 to September 30, 2023, the card's bonus categories are gas stations, select live entertainment, and electric vehicle charging.
You'll also earn 5% cash back on travel purchases made through Chase, 5% on Lyft rides through March 2025, 3% back on dining and drugstores, and 1% back on everything else.
The Citi® Double Cash Card effectively earns 2% cash back — 1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off. If you're focused on earning credit card rewards, you should be paying your balance off in full each month, so in that case, you can consider this a 2% cash back credit card.
This is one of the best 2% cash-back cards and best cash-back cards in general, and it's simple to use because there are no bonus rewards categories to remember. New cardholders receive a 0% intro APR on balance transfers for 18 months, followed by a 19.24% - 29.24% Variable APR. That's a good deal if you're looking to consolidate debt to save on interest.
The Citi® Double Cash Card is also an excellent starter credit card if you're new to credit card rewards. You can't go wrong with redeeming Double Cash rewards for cash back, but if you later want to delve into travel or other redemptions, you have other options for using Citi ThankYou points.
The Wells Fargo Autograph℠ Card is a great choice if you want to earn a high rate of Wells Fargo rewards in a variety of everyday categories without paying an annual fee. You can earn 3x points on travel, dining, gas stations, popular streaming services, transit, and phone plans, and 1 point per dollar on all other purchases with no limits.
The card comes with a decent welcome bonus offer, too: 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening. That's worth $200 when redeemed as cash. New cardholders can also save money on interest with a 0% intro APR on purchases for 12 months from account opening, followed by a 20.24%, 25.24%, or 29.99% variable.
The Citi Custom Cash℠ Card is a great choice if your spending habits tend to change from month to month. Cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
It's currently offering a welcome bonus of $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.
Cardholders earn:
3% cash back at U.S. supermarkets on up to $6,000 each calendar year (then 1% back)
3% back at U.S. gas stations on up to $6,000 each calendar year in purchases (then 1% back)
3% back on U.S. online retail purchases on up to $6,000 each calendar year (then 1% back)
1% cash back on everything else
Cash back is received in the form of Reward Dollars which can later be redeemed as statement credits.
Keep in mind that your cash back rewards are capped at $6,000 per category each year (then 1% back). So if easily spend more than the $6,000 cap in the bonus categories, you might want to consider a different cash-back rewards card with a higher limit.
There's also a "Preferred" version of the Blue Cash Everyday® Card from American Express — the Blue Cash Preferred® Card from American Express earns a bigger 6% back on the first $6,000 spent at U.S. supermarkets per calendar year (and 1% after), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit including taxis, rideshares, parking, and tolls, and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).
The Discover it Cash Back works similarly to the Chase Freedom Flex℠: It offers 5% cash back on up to $1,500 spent each quarter in rotating bonus categories (then 1% back) and 1% cash back on everything else (from July 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets on up to $1,500 in purchases after enrollment, then 1%).
It doesn't offer the same bonus categories as the Chase Freedom Flex℠, though, although sometimes they overlap.
The Discover it Cash Back is compelling for one other reason: Discover will match all your cash back at the end of your first cardmember year. So if you earned $500 in cash back in your first year, Discover would match that $500 for a total of $1,000 in cash back. This awesome feature is available on all Discover credit cards — and all Discover cards have no annual fee.
The Capital One Quicksilver Cash Rewards Credit Card has no annual fee and earns 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on every other purchase you make. In this regard, it's most similar to the Chase Freedom Unlimited®.
There are also no foreign transaction fees, and the card has a solid welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.
You can even use your cash back earned with the Capital One Quicksilver Cash Rewards Credit Card to pay for purchases on Amazon or eligible PayPal purchases. You can also redeem it as a statement credit, check, automatic redemption, or gift cards.
You'll also get a solid 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) (then a 19.99% - 29.99% Variable APR).
The Capital One Quicksilver Cash Rewards Credit Card (along with the Capital One QuicksilverOne Cash Rewards Credit Card and the Capital One Quicksilver Secured Cash Rewards Credit Card) currently offers cardholders six months of Uber One monthly membership (through November 14, 2024).
Amex Membership Rewards is the issuer's in-house rewards program, and the Amex EveryDay® Credit Card is the best no-fee card that earns them. You can redeem Amex points for travel, merchandise, statement credits, gift cards, and more. However, the best option is to transfer them to an American Express Membership Rewards airline or hotel partner.
The Amex EveryDay® Credit Card earns 2x points at U.S. supermarkets (on up to $6,000 of purchases per year, then 1x after that) and at American Express Travel, and 1x on everything else. It also offers a 20% bonus on points earned in a billing period when you make 20 or more purchases during that period.
While most people will be better off with a version of the card that has an annual fee, the Amex EveryDay® Preferred Credit Card
, the regular Amex EveryDay® Credit Card is still a strong option — especially since there's no annual fee.
Most airline credit cards that are worth having come with an annual fee — although many of them will waive it for the first year. Those cards tend to come with useful benefits for people who fly with the airline, like priority boarding or free checked bags. You can learn more in our guide to the best airline credit cards.
However, if you're interested in earning frequent flyer miles with a particular airline through your spending, but don't care about those perks and want to avoid the fee, you have a couple of options.
If you're a Delta flyer, you can go for the Delta SkyMiles® Blue American Express Card which offers 2 Delta SkyMiles on every eligible dollar spent with Delta and at restaurants worldwide, and 1 mile per dollar on everything else. It also gets you a 20% discount — in the form of a statement credit — on Delta inflight purchases like food or drinks.
American loyalists can consider the American Airlines AAdvantage® MileUp®. This card offers 2x AAdvantage miles on every dollar spent at grocery stores and with American Airlines, and 1 mile per dollar on everything else.
United's United Gateway℠ Card, with an annual fee of $0, earns 2x miles on United purchases, gas, public transit, rideshare services, and taxis, and 1x miles on everything else.
There are many other no-annual-fee credit cards that don't appear on this list. Here's an overview of the cards we considered that didn't make the final cut.
Capital One SavorOne Cash Rewards Credit Card — This card earns 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through November 14, 2024, and 8% cash back on Capital One Entertainment purchases. This card also earns 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, streaming services, and grocery stores (excluding superstores like Walmart and Target), and 1% back on all other purchases.
Capital One VentureOne Rewards Credit Card — You'll earn 1.25 miles per dollar on every purchase, which is better than the standard rate of 1 point/mile per dollar on credit cards, but not by much.
Citi Rewards+® Card — This card is unique in that it rounds up to the nearest 10 points on all your purchases. It also earns 5x points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal (offer ends June 30, 2024), 2x points at supermarkets and gas stations (on up to $6,000 per year, then 1 point per dollar) and 1x point on all other purchases. Cards like the Blue Cash Preferred® Card from American Express have the potential to earn you more rewards, but if you already have a Citi credit card and want to boost your Citi points balance, this card is worth a look. Plus, this card currently offers an increased welcome bonus of 20,000 bonus points after spending $1,500 in the first three months of account opening.
AT&T Points Plus® Card — This card earns 3x ThankYou points at gas stations, 2x at grocery stores (including delivery services), and 1x on everything else. Plus, you can earn up to $240 in annual statement credits when you use this card to pay for your AT&T wireless bill and meet monthly spending thresholds.
Bank of America® Travel Rewards credit card — With this card, you'll earn 1.5 points per dollar on every purchase. That's not a bad return on spending, but this card — and other Bank of America cards — are most rewarding if you're already a Bank of America customer and have enough money in qualifying counts to qualify for the Preferred Rewards program, which gets you bonus credit card rewards.
Why You Should Trust Us: How We Chose the Best No-Annual-Fee Credit Cards
The Insider credit cards editorial team does not consult with Insider's business team to push certain credit cards. We honestly examine each credit card and either recommend or discourage readers from opening cards based on their financial situation. Also, if a credit card is subpar, we will tell you plainly.
We reviewed dozens of no-annual-fee credit cards across all categories — cash back, travel, airline, hotel, and more — and narrowed our focus to cards that offer more than 1 point or mile per dollar on at least one category of purchase. We also looked at welcome bonuses, rewards caps (such as the $1,500 quarterly limit on the Chase Freedom Flex℠ and Discover it Cash Back), and other fine print.
Jasmin Baron was an editor at Insider, responsible for credit card coverage on Personal Finance Insider. Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs.Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For rates and fees of Discover it® Cash Back, please click here.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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