Best No Annual Fee Cards with Big Cash Sign-Up Bonus

By Kira Brecht, Updated on Nov 24, 2021

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Best No Annual Fee Cards with Big Cash Sign-Up Bonus

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Do you love earning cash back and hate paying annual fees? We have excellent news for you.

You can now earn a large cash sign-up bonus and unlimited cash back on every purchase with no annual fee. Nothing beats money coming back into your bank account. Shop and earn with these valuable cash-back credit cards. It’s that easy.

As an extra bonus, some of these cards offer 0% introductory APR for over a year. That means you won’t see any monthly interest charges piling up until 2022.

What are you waiting for? Compare these lucrative cash-back cards below and apply for your perfect match today!

Top No-Annual Fee Cash Back Cards with Big Bonus

Capital One Quicksilver Cash Rewards Credit Card

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Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Earn cash on everything you buy, everywhere with this $0 annual fee card. The Capital One Quicksilver Cash Rewards Credit Card pays you unlimited 1.5% cash back on every purchase, every day. If you have a big purchase on the horizon, enjoy an APR of 0% intro on purchases for 15 months, then 14.99% - 24.99% (Variable) APR after that. That gives give you breathing room to pay it off with no monthly interest piling up. If you travel abroad, foreign transaction fees can add up. Not here, this card has none.

Best for: If you want a high rate of cash back on all purchases every day. It’s also a great choice for international travelers. Don’t worry if your credit isn’t perfect, this card is designed for people with Excellent/Good credit.

Discover it® Cash Back

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Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. That mean's you'll be taking home a massive end-of-year bonus when you use this card every day.

When it comes to cash-back credit cards, the Discover it® Cash Back is in a league of its own. You will earn a substantial 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. Even better? This card has a $0 annual fee.

Best for: If you like your credit rewards in cash, the Discover it® Cash Back is a great match for you. The signature feature on this crowd-pleasing card is the sign-up bonus that matches your category spending into an unheard of 10% cash-back rate, with the Cashback Match in your first year of card membership.

Bank of America® Customized Cash Rewards credit card

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Sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Start earning generous cash back on everyday purchases with this $0 annual fee card now. This groundbreaking offer lets you choose how you earn 3% cash back! Choose from gas, online shopping, dining, travel, drug stores and home improvement and furnishings. Earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases. If you have a big purchase on the horizon take advantage of 0% Intro APR for 15 billing cycles for purchases then 13.99% - 23.99% Variable APR after that.

Best for: If you want to choose how you earn cash back rewards, this is the only card that lets you choose your rewards category to match your buying habits.

Discover it® chrome

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Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees and no overlimit fee the Discover it® chrome credit card comes with everything you’re looking for. Cardholders get an intro APR of 0% Intro APR for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable APR after that. With the Discover it® chrome credit card you can ensure you're always ready to hit the road. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.

Best for: If you’re looking for a card with unlimited cash back opportunities alongside over a year of 0% intro APR for both balance transfers and purchases.

U.S. Bank Altitude® Go Visa Signature® Card

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Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Even better, those points never expire and the U.S. Bank Altitude® Go Visa Signature® Card has no annual fee, which means that there’s no downside when you’re earning your points.


After the first 90 days, the U.S. Bank Altitude® Go Visa Signature® Card still offers an extraordinarily competitive suite of rewards. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. Plus, this card gives your plenty of space to pay off big purchases or transfer balances with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) APR after that intro period. And did we mention that this all comes with no annual fee?


Best for: Those looking for a great balance of card features. Between a compelling sign-up bonus, strong ongoing rewards and competitive intro APR period on purchases and balance transfers, this card has something for almost everyone.

Citi Rewards+® Card

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Sign-up bonus: Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

The Citi Rewards+® Card is special because it’s the only card on this list that helps you earn more points on every purchase (even the little ones). We can’t overstate this enough: the Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Even better, cardholders can also take advantage of an intro APR 0% for 15 months on purchases, then 13.49% - 23.49% (variable) APR and an intro APR of 0% for 15 months on balance transfers, then 13.49% - 23.49% (variable) APR after that.

Best for: If you’re looking for a card with an incredibly strong combination of flexible everyday rewards and over a year of 0% intro APR on both purchases and balance transfers.

Chase Freedom Flex℠

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Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

The Chase Freedom Flex℠ is an incredible new card that has some of the most generous rewards on the market – and all with a $0 annual fee. Chase Freedom Flex℠ boasts a truly staggering suite of cashback rewards: Earn 5% cash back on eligible purchases in rotating categories, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket. Plus, Chase Freedom Flex℠ can also be a great way to finance a large upcoming expense or big-ticket item with 0% Intro APR on Purchases for 15 months and then 14.99% - 24.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up.

Best For: If you’re looking for a high rate of cash back on a massive breadth of categories, from groceries to restaurants to travel. And since this card has a long period of intro APR on purchases and a $0 annual fee, it’s easy to earn cash back without having to worry about additional costs or fees. Bottom line? No matter which way you slice it, the Chase Freedom Flex℠ is an outstanding pick.

Start Earning Your Cash Back Now

Make a purchase and earn. Your spending adds up, which means your cash back will too. These top cash-back cards offer a fast way to earn a big cash bonus, with a relatively low spending requirement. Apply now.    

Methodology

Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.