16 Best Cash Back Credit Cards With 0 Annual Fees for June 2025
Whether you’re trying to get cash back on your grocery shopping or for your next trip, having the best cash back credit cards can help to keep more money in your wallet.
Most of these credit cards will give you an average of 5% cash back without high fees or a yearly commitment. The fascinating thing about selecting the best credit cards for cash back is that you get to enjoy the benefits of getting rewards.
What Are The Best Cash Back Credit Cards?
The best cash back credit cards are ones that offer high reward rates but have a low yearly fee. Not to mention, a cash back card that allows you to swipe internationally. In this list, we will rank each from the highest cash back credit cards to the lowest.
Best Credit Cards for Cash Back
1. Capital One
Capital One $0 Annual Fee 8% Cash Back Key Features: Earn $200 cash back after spending $500 on purchases within 3 months 8% Cash back on purchases made through Capital One Entertainment Get 3% cash back on purchases from grocery shopping, dining, entertainment, and streaming You can earn 5% on your Hotel Stay Overall, this card is ranked the best for cash back because it offers great rewards with no yearly fees. |
2. American Express Blue Preferred Card
Blue Cash Preferred® Card No Annual fee 6% Cash Back  Key Features: Get 6% cash back on groceries and selected streaming subscriptions $0 in annual fee for your first year, then $95 after You will receive a $250 cash back for spending $3000 in 6 months They have a Low Intro APR: 0% intro There is an APR on purchases and balance transfers for 12 months from the date of account opening. Then, your APR will be a variable APR of 20.24% – 29.24%. |
3. Bank of America Customized Cash Rewards credit card
Bank of America No Annual Fee 5% Cash Back Key Features: Pay $0 annual fee Get a $200 cash rewards bonus online after making at least $1,000 in purchases in the first 90 days of your account opening Get 3% cash back + 3% first-year cash back bonus in the category of your choice Automatic 2% cash back at grocery stores and wholesale clubs Unlimited 1% cash back on all other purchases You can earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. |
4. Chase Freedom Flex
Chase Freedom Flex $0 Annual Fee 5% Cash Back Key Features: $1500 cash back on combined purchases as a bonus The regular APR is 18.99-28.49% $0 in annual fee 5% cash back on Chase travel purchases through Chase Travel®. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* |
5. Discover It Cash Back Credit Card
Discover Credit Card $0 Annual Fee 5% Cash Back Key Features: There is no annual fee Earn 5% Cash back on everyday purchases There is a 0% Intro APR† for 15 months on purchases and balance transfers and a 3% Intro Balance Transfer Fee until September 10, 2025. Then, 18.24% to 27.24% on the Standard Variable Purchase APR and up to a 5% fee for future balance transfers will apply. Easy-to-use digital credit card, with great 5-star reviews from its customers. |
6. Chase Freedom Unlimited
Chase Freedom Unlimited $0 Annual Fee 1.5- 5% Cash Back Key Features: No fee reward card Earn 1.5% unlimited cash back on all purchases, regardless of category. Get 5% cash back on travel purchased through the Chase Travel portal Earn 3% on dining and drugstores, and 5% on gas stations and grocery stores (excluding Target and Walmart) on up to $12,000 spent in the first year. The Chase Unlimited cash back card has purchase protection 0% Intro APR, Earn $200 back from $500 spent within 3 months |
7. Quicksilver from Capital One
Capital One QuickSilver $0 Annual Fee 1.5- 5% Cash Back Key Features: Earn $200 as a one-time cash bonus after spending $500 within 3 months Earn unlimited 1.5% cash back on all your purchases No Foreign Transaction Fees No annual fees Access to Capital One Shopping 0% introductory APR for the first 15 months that your account is open. After that, your APR will be 19.24%, 25.24%, or 29.24%, based on your creditworthiness. |
8. Blue Cash Every Day Card
American Express $0 Annual Fee 3% Cash Back Key Features: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 20.24% to 29.24%.¤ Earn $200 back after you spend $2,000 in 6 months Earn 3% cash back on supermarket groceries, retail purchases, and gas. Card Members can explore the Amex Offers and save on Amazon purchases |
9. Ink Business Cash® Credit Card
Chase Business Credit Card $0 Annual Fee 5% Cash Back Key Features: Get $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after opening your new account. Earn 5% cash back in select business categories 0% intro APR for 12 months from account opening on purchases. After that, 17.49%–25.49% variable APR. |
Best cashback credit cards with 0 annual fee
Finding the best credit cards with no annual fee eliminates that extra charge that comes with a credit card.
10. Citi Double Cash Card
Citi Double Cash Credit Card $0 Annual Fee 2% Cash Back Key Features: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening. Earn 2% Cash Back on purchases 0% Intro APR for 18 months on balance transfers from the date of account opening; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness Earn 5% total cash back on select Citi travel bookings |
11. Amazon Prime Visa
Prime Visa Cash Card $0 Annual Fee 2% Cash Back Key Features: Prime members receive a $200 Amazon Gift Card instantly loaded into your Amazon account’s Gift Card Balance Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases. |
12. Amazon Visa
Amazon Visa $0 Annual Fee 1-2% Cash Back Key Features: $0 Annual Fees Unlimited 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases. APR 19.49%–28.24% variable APR |
13. Synchrony Premier World Mastercard®
Synchrony Premier $0 Annual Fee 2% Cash Back Key Features: 2% cash back on every purchase Purchase APR: Variable, ranging from 18.24% to 33.99% Balance Transfer APR: Variable, ranging from 18.24% to 33.99% with a 4% fee (minimum $10) Variable, from 21.24% to 36.99% with a 5% fee (minimum $10) Penalty APR: Variable, ranging from 28.24% to 39.99% Foreign Transaction Fee: 3% |
14. Instacart Mastercard®
Instacart Mastercard® $0 Annual Fee 2% Cash Back Key Features: Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*, 5% cash back on Chase Travel purchases, and 2% cash back at restaurants, gas stations, and on select streaming services. |
15. DoorDash Rewards Mastercard®
DoorDash MasterCard $0 Annual 2% Cash Back Key Features: No annual card fee first year then renew at $96/ year Earn cash back on every purchase. Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a restaurant, 2% cash back on grocery stores online or in-store, and 1% on all other purchases |
16. PayPal master
PayPal Cash Back Mastercard $0 Annual Fee 2% Cash Back Key Features: With the PayPal Cashback Mastercard, you’ll earn unlimited 3% cash back on purchases when you check out using PayPal, and 1.5% cash back on all other purchases wherever Mastercard is accepted. There are no caps, no rotating categories, and no annual fee. You can also apply with no impact to your credit score if you’re not approved. Maximize your rewards by combining merchant-specific cashback offers with the card’s built-in rewards. Simply save offers in the PayPal app, and they’ll be automatically applied at checkout. Plus, enjoy added security with Mastercard ID Theft Protection™, which alerts you to potential identity theft and helps protect your personal information. |
Best Cash Back Credit Cards FAQs
What are the best cash-back credit cards for daily purchases?
There are several credit cards to offer cash back on your daily purchases. These are CleverHustleWallet’s top picks:
- The Discover it Cash Back credit card gives you 5% on all your daily purchases.
- With the American Express Blue Cash Every Day card, you can earn 3% on groceries, retail, and gas.
- Synchrony Premier rewards 2% cash back on every purchase.
What are the highest-paying cash-back credit cards?
The best-paying cash-back credit cards offer rewards of an average of 5%. These include:
Capital One, Chase Freedom Flex, Ink Business Cash, and Bank of America customized reward cards.
What are the Best Travel Cash Back Credit Cards?
Explore the best travel reward credit cards and save money on your overseas trips. Most of these credit cards give you a lot of miles and points you can redeem for your top-tier travel plans.
- Marriott Bonvoy Boundless®
- Capital One VentureOne
- Wells Fargo Autograph®
Are cash-back rewards taxable?
No, cash back received from a credit card is not taxable, as these rebates are usually treated as a discount on your purchases.
Should I save up Cash Back rewards?
The best recommendation is to redeem this cash back money directly to your high-yield savings account rather than a regular savings account. Doing this can help you grow your money. Look for the best high-yield savings account with a 4-5% APY.
Best Credit Cards for Cash Back Wrap Up
Finding the best cash back credit cards with 0 annual fees for your daily purchases will help you save more on your yearly expenses. Look for those cash-back cards with $0 annual fees but with a high cash-back rate. The great thing about these cards is that once you stay on top of your credit card payments, you can strategically build your wealth through cash back from credit cards.
