Credit Cards for Rewards
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Every card here is a personal card with no annual fee that earns cash back, either at a flat rate or through bonus categories, and is open to new applicants. The order is alphabetical by name. Flat-rate cards suit spending that's spread out; category cards pay extra on things like groceries, dining or rotating quarterly picks, though some cap the bonus or need activation. If you travel abroad, look at the foreign transaction fee row, because several of these cards charge one. Welcome offers and intro rates change, so check the issuer.
Not a ranking. This list comes from our card data criteria: personal cards open to new applicants with a $0 annual fee band that earn cash back, flat-rate or by bonus category. Cards are listed alphabetically by name. Card details last reviewed October 2–3, 2026; each card page shows its own date. Confirm everything on the issuer site. Our editorial policy.
Advertising disclosure: We may earn a commission from some links on this site, but the card links here currently go straight to issuer sites (no affiliate links). We aim to recommend products based on fit for common spending patterns and responsible use—not solely on payout size. Affiliate disclosure.
Every personal card in our catalog that is open to new applicants, has a $0 annual fee band and earns cash back (flat-rate or bonus-category cards). Business, student and secured cards are left out.
Category bonus (grocery, dining, gas & more)
Elevated cash back at US supermarkets (lower than Preferred) plus other everyday categories.
Flat-rate cash back
Flat cash back of about 1.5% on purchases.
Category bonus (grocery, dining, gas & more)
Elevated cash back on dining, groceries, entertainment and streaming-style categories; 1% on everything else.
Category bonus (grocery, dining, gas & more)
About 5% on rotating quarterly categories (activation and caps apply), plus bonus earn on dining, drugstores and Chase Travel.
Flat-rate cash back
Unlimited base of about 1.5% back, with higher earn on dining, drugstores and travel booked through Chase Travel.
Flat-rate cash back
About 2% cash back on purchases, typically split between when you buy and when you pay.
Category bonus (grocery, dining, gas & more)
Rotating 5% quarterly categories (activation and caps apply); 1% on everything else.
Flat-rate cash back
Flat cash rewards of about 2% on purchases.
| Card | Annual fee band | Rewards type | Foreign transaction fee | Credit typically targeted |
|---|---|---|---|---|
| Blue Cash Everyday® Card from American Express | $0 | Cash back | Yes | Good, Excellent |
| Capital One Quicksilver Rewards | $0 | Cash back | None | Good, Excellent |
| Capital One Savor Rewards | $0 | Cash back | None | Good, Excellent |
| Chase Freedom Flex® | $0 | Cash back | None | Good, Excellent |
| Chase Freedom Unlimited® | $0 | Cash back | Yes | Good, Excellent |
| Citi Double Cash® Card | $0 | Cash back | Yes | Good, Excellent |
| Discover it® Cash Back | $0 | Cash back | None | Good, Excellent |
| Wells Fargo Active Cash® Card | $0 | Cash back | Yes | Good, Excellent |
New to rewards cards? Read our guide: How to choose a first rewards credit card.