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HopPerks

Best no-annual-fee credit cards

No fee to earn back, so the value is whatever you earn on top. These are the strongest no-annual-fee cards we track, ranked by the rewards they return — vendor-neutral, with a source on every fact.

Last updated

  1. 1Robinhood
    Robinhood Gold

    3% everyday · up to 5x points

    Apply
  2. 2SoFi
    SoFi Card

    2% everyday · up to 3x points

    Apply
  3. 3American Express
    Blue Business Plus

    2% everyday · up to 2x points

    Apply
  4. 4Citi
    Citi Double Cash

    2% everyday · up to 2% back

    Apply
  5. 5Fidelity
    Fidelity Rewards Visa

    2% everyday · up to 2% back

    Apply
  6. 6U.S. Bank
    U.S. Bank Smartly

    2% everyday · up to 2% back

    Apply
  7. 7Wells Fargo
    WF Active Cash

    2% everyday · up to 2% back

    Apply
  8. 8American Express
    Hilton Honors

    1.5% everyday · up to 7x points

    Apply
  9. 9Chase
    Freedom Unlimited

    1.5% everyday · up to 5% back

    Apply
  10. 10Capital One
    Quicksilver

    1.5% everyday · up to 5% back

    Apply
  11. 11PayPal
    PayPal Cashback

    1.5% everyday · up to 3% back

    Apply
  12. 12Bank of America
    BofA Travel Rewards

    1.5% everyday · up to 1.5x points

    Apply

Ranked by the value each card returns, vendor-neutral — no issuer pays for placement. All categories & roundups

How these numbers are calculated, and where every fact comes from: How we know this.

Frequently asked

What is the best no-annual-fee credit cards?

Robinhood Gold leads our ranking (3% everyday · up to 5x points). Your own spend and which perks you'll use can change the best pick for you.

How does HopPerks rank these cards?

By the value they actually return on typical use — rewards plus credits, with a source on every fact. We never take issuer money for placement.