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

By Kira Brecht, Updated on Oct 23, 2020

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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 interest for over a year. That means you won’t see any monthly interest charges piling up until 2021.

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

Discover it® Cash Back

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Sign-up bonus: Get an unlimited cash rewards bonus your first year. 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. You control the amount of your sign-up bonus. Turn $150 into $300 with Cashback Match™ or even more depending on your spending. Take 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 an extremely high Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. In your first year, discover will match the 5% cash-back on category spending. That means you can earn an extraordinary 10% cash back on category spending in your first year (up to the limits). You’d be hard pressed to find a card that pays more in your first year of card ownership. Even better? This card has $0 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.

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 travel purchased through Chase, 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% - 23.74% 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.

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 long 0% intro on purchases for 15 months. 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.

Chase Freedom Unlimited®

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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 Unlimited® is a streamlined card that offers a high rate of unlimited cash back rate on every purchase with $0 annual fee. Apply now for this card and earn earn 5% cash back on travel purchased through chase, 3% on dining and drugstores, and 1.5% on all other purchases. You will be surprised at how fast the cash adds up. If you’ve got a big purchase coming up, this card is a great choice with long 0% Intro APR for 15 months. That gives you over a year to pay off your purchase without monthly interest charges adding up.

Best for: If you want to earn a high rate of cash back on every purchase, we highly recommend Chase Freedom Unlimited®. Choose this card for its extra-long 0% intro interest if you are planning a big purchase that you want to pay off over time. There’s no limit to how much cash-back you can earn on this easy-to-use card. You’ll be glad you have this valuable card in your wallet.

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

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Sign-up bonus: Earn 25,000 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) rate 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.

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.