Best No-Annual-Fee Credit Cards of March 2025
Citi Double Cash Card: $200 Bonus, 2% Cash Back
Citi Double Cash® Card is one of the best cash back credit cards with no annual fee. It offers $200 bonus cash. In addition, it offers 2% cash back on all purchases with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases..
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 18 months
- Annual Fee (rates & fees)
- $0
- Credit Needed
- Excellent, Good, Fair
Other No-Annual-Fee Credit Cards
Many other credit cards are also offering rewards or cash back with no annual fee. Here are a few no-annual-fee credit cards that offer good rewards and bonus.
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | Blue Cash Everyday® Card from American Express | $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.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, then 1%. | $0
rates & fees |
 | Chase Freedom Unlimited® | Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account openingEnjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases. | $0 |
 | Delta SkyMiles® Blue American Express Card | 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases. | $0
rates & fees |
 | The New United Gateway℠ Card | Debut Offer: Earn 30,000 bonus miles2x miles on United purchases2x miles at gas stations, on local transit and commuting1x mile on all other purchases | $0 |
 | Costco Anywhere Visa® Card by Citi | 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0
rates & fees |
 | Ink Business Unlimited® Credit Card | $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account openingUnlimited 1.5% cash back on every purchase made for your business | $0 |
 | Ink Business Cash® Credit Card | $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening5% 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 year2% 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 | $0 |
 | The American Express Blue Business Cash™ Card | $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. | $0
rates & fees |
 | USAA Preferred Cash Rewards Credit Card | Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. | $0
(rates & fees) |
 | Choice Rewards World Mastercard® | 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases | $0 |
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