Best Cash Back Credit Cards with No Annual Fee

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cash back 3If you are looking for a cash back credit card to maximize your savings, you need to ask questions like do you pay your bills on time every month, what is the rewards rate of the card, how many sign up bonuses do you earn, what is the intro APR, regular APR, and does the card charge annual fee, foreign transaction fees. We’ve rounded up the best cash back credit cards that are likely to appeal to just about every type of consumer.

Best for traveling abroad

Capital One Quicksilver Cash Rewards Credit Card

Annual fee: None
Interest rate: 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
Sign up bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Rewards: Earn unlimited 1.5% cash back on every purchase, every day. Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018. 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.

Capital One Quicksilver Cash Rewards Credit Card is a hassle free credit card that comes with no annual fee, no foreign transaction fees. You earn a flat 1.5% cash back on every purchases you make so that you won’t have to worry about dealing with quarterly rotating bonus categories. Plus, there’s no limit to the cashback you can earn.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR
for 9 months

13.99% - 23.99% (Variable) APR after that

0% intro APR
for 9 months

13.99% - 23.99% (Variable) APR after that

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $150 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • One-time $150 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Click here for more details on Capital One® Quicksilver® Cash Rewards Credit Card

Best visa credit card for gas stations

Bank of America Cash Rewards Credit Card

Annual fee: None
Interest rate: 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
Sign up bonus: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
Rewards: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account

If you are looking for a no annual fee visa credit card for your gas or grocery purchases, the Bank of America Cash Rewards Credit Card is an ideal card for you. With the card, you can save 3% on gas and 2% on groceries up to $1500 in combined grocery store and gas purchases each quarter. And you can earn 10% bonus if you have an active checking or savings account with bank of america and redeem your cash back into the account. If you’re a Preferred Rewards client of Bank of America, you can increase that bonus to 25%-75%.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Bank of America® Cash Rewards Credit Card

0% intro APR
for 12 billing cycles

13.99% - 23.99% Variable APR after that

0% intro APR
for 12 billing cycles for balance transfers made in the first 60 days

13.99% - 23.99% Variable APR after that

$0

Excellent / Good CreditLearn MoreView Card Details
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Click here for more details on Bank of America® Cash Rewards Credit Card

This content is not provided or commissioned by American Express. Opinions expressed here are the author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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