Looking for a credit card without paying an annual fee? In this article we present to you the 7 best options for 2025 in the United States. These cards not only eliminate annoying fees, but also offer rewards, benefits and opportunities to improve your credit history.
Why choose a card with no annual fee?
No annual fee credit cards are an excellent choice for those who want access to credit without unnecessary fees. They are ideal for:
- People who are just starting their credit history.
- Those who want a backup card without using it constantly.
- Saving money in the long run.
- In addition, many of these cards offer additional benefits such as points, cashback, or purchase protection.
Key benefits of each card
- Discover it® Cash Back: Ideal for those who want to maximize cashback in rotating categories such as grocery, gas and restaurants.
- Capital One QuicksilverOne: Great for people with average credit who want fixed cashback.
- Chase Freedom Unlimited®: Perfect for those looking for cashback in several categories without the hassle.
- Citi® Double Cash: Great for those who pay in full each month and want easy cashback.
- Petal® 1 Visa®: Made for those who don’t yet have a credit history. Uses alternative approval technology.
- Wells Fargo Active Cash®: High cashback with no category tracking.
- Blue Cash Everyday® from American Express: Great for families who spend on groceries and gas.
How to apply and what you need
- Applying for these cards is easy, but here are some tips to improve your chances of approval:
- Check your credit score (you can use Credit Karma or Experian).
- Compare benefits and requirements of each card.
- Prequalify on the issuer’s website if possible (it doesn’t affect your score).
- Have your SSN, annual income, and stable address handy.
- Apply directly from each card’s official website.