CardPortfolio

Best No-Annual-Fee Cards

Ranked by baseline reward rate among cards with no annual fee. Led by Robinhood Gold Card and Citi Double Cash.

  1. #1 Robinhood Gold Card
    Robinhood · No annual fee    3% baseline rate
  2. #2 Citi Double Cash
    Citi · No annual fee    2% baseline rate
  3. #3 Wells Fargo Active Cash
    Wells Fargo · No annual fee    2% baseline rate
  4. #4 Chase Freedom Unlimited
    Chase · No annual fee    1.5% baseline rate
  5. #5 Capital One Quicksilver Cash Rewards
    Capital One · No annual fee    1.5% baseline rate
  6. #6 Discover it Miles
    Discover · No annual fee    1.5x baseline rate
  7. #7 Discover it Cash Back
    Discover · No annual fee    1% baseline rate
  8. #8 Capital One Savor
    Capital One · No annual fee    1% baseline rate
Ranked from data/cards.json - rates, fees, and estimated bonus values are pulled from the same database as the rest of the site, not sponsored placement. See each card's own page for category caps, issuer rules, and redemption notes before deciding.