Best Rewards Credit Cards for No Annual Fee in 2023

We love the no-annual-fee Hilton Honors American Express Card because it lets you earn reward points faster when you spend across Hilton properties. It also comes with a sizeable spending-based welcome offer.

Eligible spending at hotels and resorts in the Hilton portfolio comes with 7X points. You earn 5X points on dining at U.S. restaurants, including takeout and delivery, as well as on groceries at U.S. supermarkets and on gas at U.S. gas stations. All other purchases come with 3X points.

This card is ideal for international use, as it charges no overseas transaction fees.

All cardholders get complimentary Hilton Honors Silver Status. This card offers car rental loss and damage insurance and access to Global Assist Hotline.

Pros

• No foreign transaction fee
• No annual fee
• Hilton Honors Silver Status
• Welcome bonus
• Hilton Honors status upgrade
• High points reward rate
• Car rental loss and damage insurance
• Global Assist Hotline
• Fraud protection
• Additional cards

• No fee on international transactions
• $0 annual fee
• Complimentary Hilton Honors Silver Status
• Upgrade to Hilton Honors Gold Status for spending $20,000 in a calendar year
• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $1,000 in purchases on the Card in the first three months of Card Membership. The offer expires 7/19/2023.
• Earn 7 points per dollar spent at Hilton hotels and resorts
• Earn 5 points per dollar spent at U.S. gas stations, supermarkets and restaurants
• Earn 3 points per dollar spent on other eligible purchases
• 24/7 assistance in case of an emergency
• Car rental loss and damage insurance
• No liability for fraudulent transactions
• Additional cards available

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We're in love with the Chase Freedom Unlimited® because it comes with no annual fee and gives you the ability to earn unlimited rewards. In the first three months of account opening, you can earn a $200 bonus after you spend $500 on purchases. Additionally, spending a minimum of $12,000 on groceries in the first year (except at Walmart and Target) can earn you an easy $600 cash back. Another plus is that the cash back rewards you earn don't expire for the life of the card.

An intro 0% APR on purchases for the first 15 months enables you to make big-ticket purchases without having to pay interest — provided you repay the entire amount during the intro period. Cardholders can also eliminate interest on existing debt with a balance transfer. You'll enjoy 15 months with no interest to pay off your transferred balances After the promo period expires, you might benefit by getting a low ongoing rate depending on your credit score.

Complimentary purchase and travel protection might come in handy in various scenarios, such as if you miss your flight or an item is damaged or stolen after you buy it.

If you use Lyft to get around, you stand to benefit even more — by earning 5% cash back until March 2025.

Pros

• No annual fees
• 0% APR on purchases for 15 months from account opening, then a variable APR of 19.49% –28.24%
• Intro bonus cash back offer
• Earn 5% cash back on travel purchases through Chase Ultimate Rewards
• Earn 3% cash back on dining-related purchases
• Earn 3% cash back on drugstore purchases
• Earn 1.5% cash back on all other purchases
• You may earn unlimited cash back that never expires
• Redeem rewards for cash back, for gift cards, for travel or through Amazon.com
• Get complimentary purchase and travel coverage

• Pay $0 annual fee for the life of your card
• Pay no interest on purchases for the first 15 months, after which a creditworthiness-dependant APR of 19.49% –28.24% applies
• Travel purchases through Chase Ultimate Rewards earn 5% cash back
• Spending at restaurants, on takeout and through other eligible delivery services, as well as drugstore purchases, earn 3% cash back
• All other purchases earn 1.5% cash back
• You get to earn unlimited cash back rewards, and they don't expire as long as your account remains active
• Different ways to redeem your cash back include receiving a statement credit, withdrawing it through a direct deposit, using it to get gift cards or using it to pay for travel
• Zero liability protection, 24/7 fraud protection, purchase protection and extended warranty protection are in place to provide extra peace of mind
• Feel better when traveling by knowing that you have access to travel and emergency assistance services, trip cancellation/interruption insurance and auto rental collision damage coverage.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommended the Chase Freedom Flex℠ to people who wish to earn high category-based cash back without paying an annual fee. You get 5% cash back on combined purchases of up to $1,500 in bonus categories you activate every quarter and on travel purchased through Chase Ultimate Rewards. You get 3% cash back on multiple bonus categories. You also get higher-than-usual cash back at gas stations during the first year.

This card comes with an introductory APR applies on purchases and balance transfers. However, if you use this card to transfer a balance, you need to pay a balance transfer fee. This card also comes with foreign transaction fees.

Some of the additional benefits come in the form of purchase protection, extended warranty, cell phone protection, trip cancellation/interruption insurance and auto rental collision damage waiver.

Pros

• Generous welcome offer
• Rotating cash back bonus categories
• No annual fee
• Excellent customer-facing features
• Grocery store perks
• DoorDash and Lyft benefits

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on quarterly rotating bonus categories
• 5% cash back on Chase Ultimate Rewards travel purchases
• 3% cash back on dining, takeout, delivery and drug store purchases
• 1% cash back on all other purchases

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the no-annual-fee IHG® Rewards Traveler Credit Card to people who frequently stay at properties that are part of the InterContinental Hotels Group and wish to earn reward points faster. You earn up to 17X points per dollar at IHG Hotels and Resorts. Purchases at restaurants, gas stations and grocery stores come with 2X points, and you get 1X points on all other purchases.

If you spend $10,000 or more on purchases in a calendar year, you get Gold Elite Status that remains valid until the end of the following year. If you redeem your points for stays of four or more nights, you get a free reward night. This card is perfect to use outside of the U.S. as it comes with no foreign transaction fees.

Additional benefits include purchase protection and travel insurance coverage.

Pros

• No annual fee
• No foreign transaction fees
• Points expiration period extension
• High reward rate
• Numerous hotel redemption options

• No annual fee
• No foreign transaction fee
• Earn 120,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.
• Up to 17x points per dollar on category-based spending
• Points may expire if you do not have 12 months of consecutive activity on your card and do not spend enough to qualify for Gold Elite status
• Benefits and rewards may vary by location

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.