Best Credit Cards With No Annual Fee and Cash Back in 2025
Credit cards with no annual fee and cash back rewards are designed to help consumers save money while earning rewards on their purchases. These cards eliminate the burden of yearly fees, making them accessible to a wide range of users. The cash back rewards can be redeemed as statement credits, direct deposits, or even gift cards, providing flexibility in how you use your earnings. Many of these cards also come with additional benefits such as fraud protection, purchase security, and even travel perks, despite the absence of an annual fee.
When selecting a no-annual-fee cash back credit card, it is essential to consider the rewards structure. Some cards offer a flat-rate cash back on all purchases, while others provide higher rewards in specific categories like groceries, gas, or dining. Your spending habits will determine which card is the best fit for you. Additionally, introductory bonuses can provide a significant boost to your rewards, but it is important to read the fine print to understand any spending requirements or limitations.
Top No-Annual-Fee Cash Back Credit Cards in 2025
Several credit cards stand out in 2025 for offering excellent cash back rewards without charging an annual fee. Below is a detailed look at some of the best options available:
1. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card offers a flat 1.5% cash back on all purchases, with no annual fee. It also includes an introductory bonus for new cardholders who meet the spending requirement within the first few months. This card is ideal for those who prefer simplicity and consistent rewards across all spending categories.
2. Citi® Double Cash Card
The Citi® Double Cash Card is unique in that it offers 2% cash back on all purchases—1% when you buy and an additional 1% when you pay your bill. This card is perfect for those who want to maximize rewards without worrying about category restrictions.
3. Discover it® Cash Back
The Discover it® Cash Back card provides 5% cash back in rotating categories each quarter (up to the quarterly maximum) and 1% on all other purchases. Discover also matches all the cash back earned at the end of the first year, making it an excellent choice for new users.
4. Bank of America® Customized Cash Rewards Credit Card
This card allows users to choose their preferred cash back category, such as gas, online shopping, dining, travel, or drug stores, and earn 3% cash back in that category (up to a quarterly cap). All other purchases earn 1% cash back. There is no annual fee, and it includes a modest introductory bonus.
Comparison of Top No-Annual-Fee Cash Back Credit Cards
| Card Name | Cash Back Rate | Intro Bonus | Special Features |
|---|---|---|---|
| Chase Freedom Unlimited® | 1.5% on all purchases | Yes | No annual fee, simple rewards structure |
| Citi® Double Cash Card | 2% on all purchases | No | Earn 1% when you buy and 1% when you pay |
| Discover it® Cash Back | 5% rotating categories, 1% other | Cash back match first year | No annual fee, quarterly bonus categories |
| Bank of America® Customized Cash Rewards | 3% on chosen category, 1% other | Yes | Flexible category selection |
How to Choose the Right Card for You
Selecting the best no-annual-fee cash back credit card depends on your spending habits and financial goals. If you prefer simplicity, a flat-rate cash back card like the Chase Freedom Unlimited® or Citi® Double Cash Card may be ideal. For those who spend heavily in specific categories, the Discover it® Cash Back or Bank of America® Customized Cash Rewards card could offer higher rewards.
Always review the terms and conditions, including any introductory offers, redemption options, and potential fees (such as foreign transaction fees) before applying. Additionally, consider your credit score, as some cards may require good to excellent credit for approval.