Top Rewards Credit Cards with No Annual Fee [2025 Guide]

Want the perks of a rewards card without paying an annual fee? Good news — there are plenty of great options in 2025 that let you earn cashback, points, or miles without that extra cost. Here are the best picks right now.

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1. Chase Freedom Unlimited®

• Rewards: 1.5% unlimited cashback on all purchases.
• Bonus: Earn an additional 1.5% cashback on everything you buy (up to $20,000 spent in the first year).
  👉 Learn more at Chase.

2. Citi® Double Cash Card

• Rewards: 2% cashback — 1% when you buy, 1% when you pay.
• Bonus: No caps, no category restrictions — simple and straightforward rewards.
  👉 Check details at Citi.

3. Discover it® Cash Back

• Rewards: 5% cashback in rotating categories (like groceries, gas) up to a quarterly max.
• Bonus: Cashback Match — Discover matches all the cashback you’ve earned at the end of your first year.
  👉 Discover’s offer page.

4. Wells Fargo Active Cash® Card

• Rewards: 2% unlimited cashback on all purchases.
• Bonus: $200 cash rewards bonus after spending $500 in the first 3 months.
  👉 More at Wells Fargo.

5. Capital One Quicksilver Cash Rewards

• Rewards: 1.5% unlimited cashback on every purchase.
• Bonus: $200 cash bonus after spending $500 within the first 3 months.
  👉 Capital One Quicksilver details.

What to Look for in a Rewards Card with No Annual Fee

• Consistent cashback: No confusing rotating categories.
• Easy to redeem rewards: Cashback, travel, gift cards, or statement credits.
• Intro bonuses: Make sure the signup bonus fits your spending habits.
• Low or 0% intro APR: Helpful if you need to make big purchases early on.

Final Thoughts

You don’t have to pay an annual fee to enjoy great rewards. These cards prove that you can earn cashback and bonuses without extra costs — a win-win for smart spenders.

P.S. For more smart money tips and credit card reviews, visit Date Night Now — your trusted guide to better financial moves in 2025!