Top 10 Credit Cards with No Annual Fees in 2025

Choosing the right credit card can feel like navigating a maze, especially when you’re looking for one that offers great perks without the burden of an annual fee. In 2025, several credit cards stand out for their exceptional benefits and $0 annual fees. Let’s dive into the top 10 options that can help you maximize rewards and savings.

1. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is a favorite among those who prefer straightforward rewards. It offers an unlimited 2% cash back on all purchases, making it simple to earn without worrying about rotating categories. Plus, there’s a generous sign-up bonus and a 0% introductory APR period for both purchases and balance transfers. With no annual fee, it’s a solid choice for everyday spending.

2. Chase Freedom Unlimited®

For those seeking versatile cash back options, the Chase Freedom Unlimited® is a strong contender. It provides 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, and 1.5% on all other purchases. New cardholders can also benefit from a 0% introductory APR on purchases and balance transfers for the first 15 months. With no annual fee, it’s a well-rounded card for various spending habits.

3. Discover it® Cash Back

The Discover it® Cash Back card is known for its rotating 5% cash back categories, which include places like grocery stores, restaurants, gas stations, and online shopping, up to a quarterly maximum. All other purchases earn 1% cash back. A unique feature is Discover’s Cashback Match™, where they match all the cash back you’ve earned at the end of your first year. This card also boasts no annual fee.

4. Capital One SavorOne Cash Rewards Credit Card

If you enjoy dining and entertainment, the Capital One SavorOne Cash Rewards Credit Card offers 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®). All other purchases earn 1% cash back. There’s also a one-time $200 cash bonus after spending $500 within the first three months. With no annual fee, it’s a great card for foodies and entertainment enthusiasts.

5. Citi® Double Cash Card

The Citi® Double Cash Card offers a simple yet effective rewards structure: earn 1% cash back when you make a purchase and an additional 1% when you pay it off. This totals to 2% cash back on all purchases. It’s an excellent choice for those who prefer a straightforward, no-fuss rewards program. Plus, there’s no annual fee to worry about.

6. Blue Cash Everyday® Card from American Express

For everyday spending, the Blue Cash Everyday® Card from American Express offers 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% at U.S. gas stations, and 1% on other purchases. New cardholders can also enjoy a $200 statement credit after spending $2,000 in purchases within the first six months. There’s no annual fee, making it a practical choice for routine expenses.

7. Bank of America® Customized Cash Rewards credit card

This card allows you to choose your 3% cash back category from options like gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You’ll also earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1%). All other purchases earn 1% cash back. There’s no annual fee, and new cardholders can earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.

8. Capital One VentureOne Rewards Credit Card

For travelers, the Capital One VentureOne Rewards Credit Card offers 1.25 miles per dollar on every purchase. Miles can be redeemed for travel purchases or transferred to over 15 travel loyalty programs. New cardholders can earn 20,000 bonus miles once they spend $500 on purchases within the first three months. With no annual fee and no foreign transaction fees, it’s a solid choice for occasional travelers.

9. Bilt World Elite Mastercard®

The Bilt World Elite Mastercard® is unique in that it allows you to earn points on rent payments without any fees. You’ll earn 1 point per dollar on rent payments (up to 50,000 points per year), 2 points per dollar on travel, and 3 points per dollar on dining. Points can be transferred to travel partners like American Airlines and Hyatt. There’s no annual fee, making it a great option for renters looking to maximize rewards.

10. Chase Freedom Flex℠

The Chase Freedom Flex℠ offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, and 1% on all other purchases. New cardholders can earn a $200 bonus after spending $500 on purchases in the first three months from account opening. With no annual fee, it’s a versatile card for various spending habits.

When choosing a credit card, it’s important to consider your spending habits and financial goals. Each of these cards offers unique benefits that cater to different lifestyles.