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Best No Annual Fee Credit Cards of January 2022

Best Cash Back Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

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Citi Custom Cash℠ Card

Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Bonus ?$200 cash back after spending $750 in the 3 months
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person
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Best Student Credit Card

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on travel purchased through Chase Ultimate Rewards
3%
Earn 3% on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Bonus ?$200 Bonus after you spend $500 on purchases in your first 3 months from account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.99% - 24.74%% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 24.74%
  • No annual fee
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Best Cash Back Card

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

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Bank of America® Customized Cash Rewards credit card

Rewards Rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
Bonus ?$200 cash bonus after spending $1,000 in the first 90 days of account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
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Best Cash Back Card

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

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Bank of America® Unlimited Cash Rewards credit card

Rewards Rate
1.5%
Earn 1.5% cash back on every purchase, every time.
Bonus ?$200 online cash rewards bonus after $1,000 in purchases in the first 90 days of account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • New Offer! With the new Unlimited Cash Rewards credit card, you can earn 1.5% cash back on every purchase, every time
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • If you're a Preferred Rewards member, you earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase
  • No limit to the amount of cash back you can earn and cash rewards don't expire
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
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Best Cash Back Card

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

0% Intro APR
15 months
0% APR for 15 months on new purchases
Bonus ?$200 statement credit after spending $2,000 in the first 6 months
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores
  • 1% Cash Back on other purchases
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee
  • Terms Apply
  • Rates and Fees
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Best Cash Back Card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

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Capital One SavorOne Cash Rewards Credit Card

Rewards Rate
8%
Earn 8% cash back on tickets at Vivid Seats through January 2023.
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.
Bonus ?$200 cash bonus after spending $500 in the first 3 months
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.99% - 24.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
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Summary: Best No Annual Fee Credit Cards of January 2022

Credit Card Best For Annual Fee Intro Bonus Credit Score
Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Best Student Credit Card $0 $200 Good or Excellent (670-850) Compare Cards

on creditcards.com

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

on creditcards.com

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