10 Best Reward Credit Card No Annual Fee in 2022

There are so many credit cards available for users that it can be difficult to choose the best one. There is no such thing as a “one size fits all” credit card. Different people have many options, such as food lovers, street warriors, travelers, or anyone trying to build credit. A little research will help you find a specially designed card for your lifestyle.

To determine which credit card offers the best value, here we shortlisted some of the best credit cards of 2022. When used wisely, credit cards can be a powerful tool for your finances. In addition to providing valuable consumer protection and expression, many credit cards allow you to earn rewards for every dollar you spend. Some credit cards extend 0% APR for a limited time.

Surprisingly, many credit cards offer powerful benefits and do not charge an annual fee. We have profiled all top cards in this article without an annual fee. It also identifies the cards with the most powerful rewards programs and benefits available. Let’s see the list below!

10 Best No Annual Fee Rewarding Credit Cards

This list will let you explore the best credit cards of 2022 that don’t charge an annual fee. It focuses on finding cards that offer lucrative reward programs and consumer benefits, such as extended warranty and purchase protection against damage or theft. We also considered cards that offer 0% APR for limited-time purchases. So, you can build credit, save on interest charges and earn over $2,000 in Cashback over five years.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card * is an Amazon premium credit card that Amazon Prime members can only use. Amazon.com and Whole Foods Market offer a strong 5% cashback to their eligible Prime membership. Its members can also enjoy 2% backs on restaurants, gas stations, drug stores, and 1% all other purchases. This rate of return makes the Amazon Prime Rewards Visa Signed Card * the best credit card on the market for purchases on Amazon.

Annual Fee: As long as you are an Amazon Prime member, there is no additional annual fee

Promo codes: You can choose a 5 % discount or Promo APR for eligible purchases

Earning Rewards: Earn 5% payback benefits on Amazon.com and Whole Foods Market with eligible Prime memberships, 2 % at restaurants, gas stations, drugstores, and 1% on all other purchases.

Other Benefits and Drawbacks

This card is perfect for Amazon Prime members and Whole Foods enthusiasts.

The main drawback of this card is the meager welcome bonus. This credit card isn’t great, considering that many rewarded credit cards offer 50,000 points worth more than $ 500 if you meet the minimum spending requirements within the first few months. However, this card has benefits such as an extended warranty, purchase protection, travel and emergency assistance, and refunds for loss. You can use it outside the United States without paying overseas transaction fees.

Chase Freedom Flex℠

If you want to increase your chances of earning points and prefer the Chase Ultimate Rewards® system, Chase Freedom Flex will break into your wallet. The latest members of the Freedom family will check many boxes on the perfect credit card wishlist. This card comes with zero annual fees, with a generous initial welcome bonus.

Annual fees: It doesn’t charge any annual fee for its members.

Earning Rewards: Earn 5% payback for up to $ 1,500 spent in the quarterly bonus category (1% after that), 5 % for travel booked with Chase Ultimate Rewards®, and 3% for purchases at restaurants and bar drugstores. At the same time, you can avail of a 1% cashback on all of your other purchases by using this card.

Other Bonuses: It offers a great bonus offer for its new members. Buy $500 in the first three months of opening an account, and you’ll get a bonus of $200.

United Gateway℠ Card

The United Gateway ℠ Card is United’s free entry-level credit card with no annual fee. It provides cardholders with United Airlines MileagePlus miles in collaboration with Chase. As the name implies, this credit card is designed to introduce new members to the world of MileagePlus credit cards. Still, it will almost certainly further stimulate your appetite.

This card is a free annual credit card for travelers. It offers a wide variety of travel and insurance benefits that are very common. Unlike most airline credit cards, which have annual fees, it does not offer priority boardings.

Annual Fee: 0$

Bonuses: Earn 2 miles for every dollar you spend on United purchases and 1 mile for every dollar you spend on all other purchases at gas stations, local transit, and roadways.

Earning Rewards: It doesn’t imply any foreign transaction fee. Moreover, you can get a cashback of 25% on United inflight purchases using your card.

Capital One® Walmart Rewards® Card

The Capital One® Walmart Rewards™ Mastercard® is one of the best credit cards with no annual fees. It offers exceptional rewards to its cardholders. Suppose you purchase from Walmart.com or any other platform. It’s nice that this perks with free grocery delivery and pickup from the Walmart store.

Annual fee: No annual fee

Bonus Offer: Save $5 at Walmart stores in your first 12 months using your Capital One Walmart Rewards Card with Walmart Pay, which allows you to pay quickly and securely from your phone at Walmart.

Other Benefits: This cashback credit card lets you earn 5% cashback on purchasing at Walmart.com or with the Walmart app. Additionally, a cashback of 2% at restaurants, travel, and Murphy & Walmart USA fuel station. It also offers a 1% discount on all of your other purchases.

Discover it® Cash Back

The Discover it Cash Back is the most lucrative card with a rotating selection of Cashback bonus categories. The most attractive feature of this card is the Cashback bonus, which is especially useful in the first year of holding the card.

Bonus Offer: By holding a Discover card, users can get a discount of 5% on daily purchases at different places every quarter. In addition to that, get an unlimited payback of 1% on all other purchases.

Annual Fee: It doesn’t charge an annual fee from its users.

Other Benefits and Drawbacks: Apart from bundles of benefits, this card also has drawbacks. You must activate the bonus every quarter to get the 5% payback. Skipping registration can result in a significant loss of rewards. Quarterly bonus spending is also limited to the first $1,500 spent per quarter.

Navy Federal More Rewards American Express® Card

This card offers a lot of rewards in several categories ranging from no annual fee to $250 bonus points. Users can earn 25,000 value points on a purchase of $3,000 within three months of account opening. Navy Fed’s credit card provides a generous welcome bonus alongside earnings to its members.

Rewards and Bonuses: Customers can get a 3% cashback on food deliveries and restaurants. Not only confined to this, but they can also avail of this discount at fuel stations and 1% payback on all other purchases.

Citi® Double Cash Card

Citi® Double credit card offers a simple reward system. Users can earn a cashback of 2% on all of their purchases. Other benefits of the Citi Double Cash Card include no annual fee, limited Cashback and $0 liability for unauthorized payments, 24/7 fraud monitoring, and small additional services such as contactless and near ubiquity of digital wallets. The rewards are simple and easy to obtain, but the minimum ransom is $25.

• Save up to 2 – 1% payback on your purchases and 1% on your account.
• No annual fee
• Introductory APR period for a balance transfer

Petal 2 “Cash Back, No Fees” Visa Credit Card

The Petal 2 “Cash Back, No Fees” Visa credit card is one of the best cards designed for people with little or no credit history. It is suitable for all who rely on other financial information to determine their creditworthiness. There are no annual fees or deposits, and you may even earn some rewards. The card also offers a bonus cashback of 2% to 10% from selected sellers via the Petal offer.

• Other Benefits
• Zero Annual Fee
• No foreign transaction fee
• It doesn’t imply any over-limit fee. Moreover, credit history is not required.

Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for students could be a great first credit card option for some novice creditors. It is designed for US college and international students who are short on credit or profile. Deserve credit cards utilizes alternative data such as bank history, grants, and scholarships to evaluate creditworthiness. All purchases earn 1% payback, and there is no annual fee.

Annual Fee: Zero

Bank of America Travel Rewards credit card

This card is particularly designed for those with limited credit history. This card has no overseas transaction fees (and no annual fees). The card also comes with a 0% introductory APR for 12 billing cycles on shopping. Its users can earn 1.5 points per dollar on every purchase at any place.

APR: It offers a Variable APR of 13.99% – 23.99% on shopping and balance transfer.

10 Best Reward Credit Card No Annual Fee in 2022

There are so many credit cards available for users that it can be difficult to choose the best one. There is no such thing as a “one size fits all” credit card. Different people have many options, such as food lovers, street warriors, travelers, or anyone trying to build credit. A little research will help you find a specially designed card for your lifestyle.

To determine which credit card offers the best value, here we shortlisted some of the best credit cards of 2022. When used wisely, credit cards can be a powerful tool for your finances. In addition to providing valuable consumer protection and expression, many credit cards allow you to earn rewards for every dollar you spend. Some credit cards extend 0% APR for a limited time.

Surprisingly, many credit cards offer powerful benefits and do not charge an annual fee. We have profiled all top cards in this article without an annual fee. It also identifies the cards with the most powerful rewards programs and benefits available. Let’s see the list below!

10 Best No Annual Fee Rewarding Credit Cards

This list will let you explore the best credit cards of 2022 that don’t charge an annual fee. It focuses on finding cards that offer lucrative reward programs and consumer benefits, such as extended warranty and purchase protection against damage or theft. We also considered cards that offer 0% APR for limited-time purchases. So, you can build credit, save on interest charges and earn over $2,000 in Cashback over five years.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card * is an Amazon premium credit card that Amazon Prime members can only use. Amazon.com and Whole Foods Market offer a strong 5% cashback to their eligible Prime membership. Its members can also enjoy 2% backs on restaurants, gas stations, drug stores, and 1% all other purchases. This rate of return makes the Amazon Prime Rewards Visa Signed Card * the best credit card on the market for purchases on Amazon.

Annual Fee: As long as you are an Amazon Prime member, there is no additional annual fee

Promo codes: You can choose a 5 % discount or Promo APR for eligible purchases

Earning Rewards: Earn 5% payback benefits on Amazon.com and Whole Foods Market with eligible Prime memberships, 2 % at restaurants, gas stations, drugstores, and 1% on all other purchases.

Other Benefits and Drawbacks

This card is perfect for Amazon Prime members and Whole Foods enthusiasts.

The main drawback of this card is the meager welcome bonus. This credit card isn’t great, considering that many rewarded credit cards offer 50,000 points worth more than $ 500 if you meet the minimum spending requirements within the first few months. However, this card has benefits such as an extended warranty, purchase protection, travel and emergency assistance, and refunds for loss. You can use it outside the United States without paying overseas transaction fees.

Chase Freedom Flex℠

If you want to increase your chances of earning points and prefer the Chase Ultimate Rewards® system, Chase Freedom Flex will break into your wallet. The latest members of the Freedom family will check many boxes on the perfect credit card wishlist. This card comes with zero annual fees, with a generous initial welcome bonus.

Annual fees: It doesn’t charge any annual fee for its members.

Earning Rewards: Earn 5% payback for up to $ 1,500 spent in the quarterly bonus category (1% after that), 5 % for travel booked with Chase Ultimate Rewards®, and 3% for purchases at restaurants and bar drugstores. At the same time, you can avail of a 1% cashback on all of your other purchases by using this card.

Other Bonuses: It offers a great bonus offer for its new members. Buy $500 in the first three months of opening an account, and you’ll get a bonus of $200.

United Gateway℠ Card

The United Gateway ℠ Card is United’s free entry-level credit card with no annual fee. It provides cardholders with United Airlines MileagePlus miles in collaboration with Chase. As the name implies, this credit card is designed to introduce new members to the world of MileagePlus credit cards. Still, it will almost certainly further stimulate your appetite.

This card is a free annual credit card for travelers. It offers a wide variety of travel and insurance benefits that are very common. Unlike most airline credit cards, which have annual fees, it does not offer priority boardings.

Annual Fee: 0$

Bonuses: Earn 2 miles for every dollar you spend on United purchases and 1 mile for every dollar you spend on all other purchases at gas stations, local transit, and roadways.

Earning Rewards: It doesn’t imply any foreign transaction fee. Moreover, you can get a cashback of 25% on United inflight purchases using your card.

Capital One® Walmart Rewards® Card

The Capital One® Walmart Rewards™ Mastercard® is one of the best credit cards with no annual fees. It offers exceptional rewards to its cardholders. Suppose you purchase from Walmart.com or any other platform. It’s nice that this perks with free grocery delivery and pickup from the Walmart store.

Annual fee: No annual fee

Bonus Offer: Save $5 at Walmart stores in your first 12 months using your Capital One Walmart Rewards Card with Walmart Pay, which allows you to pay quickly and securely from your phone at Walmart.

Other Benefits: This cashback credit card lets you earn 5% cashback on purchasing at Walmart.com or with the Walmart app. Additionally, a cashback of 2% at restaurants, travel, and Murphy & Walmart USA fuel station. It also offers a 1% discount on all of your other purchases.

Discover it® Cash Back

The Discover it Cash Back is the most lucrative card with a rotating selection of Cashback bonus categories. The most attractive feature of this card is the Cashback bonus, which is especially useful in the first year of holding the card.

Bonus Offer: By holding a Discover card, users can get a discount of 5% on daily purchases at different places every quarter. In addition to that, get an unlimited payback of 1% on all other purchases.

Annual Fee: It doesn’t charge an annual fee from its users.

Other Benefits and Drawbacks: Apart from bundles of benefits, this card also has drawbacks. You must activate the bonus every quarter to get the 5% payback. Skipping registration can result in a significant loss of rewards. Quarterly bonus spending is also limited to the first $1,500 spent per quarter.

Navy Federal More Rewards American Express® Card

This card offers a lot of rewards in several categories ranging from no annual fee to $250 bonus points. Users can earn 25,000 value points on a purchase of $3,000 within three months of account opening. Navy Fed’s credit card provides a generous welcome bonus alongside earnings to its members.

Rewards and Bonuses: Customers can get a 3% cashback on food deliveries and restaurants. Not only confined to this, but they can also avail of this discount at fuel stations and 1% payback on all other purchases.

Citi® Double Cash Card

Citi® Double credit card offers a simple reward system. Users can earn a cashback of 2% on all of their purchases. Other benefits of the Citi Double Cash Card include no annual fee, limited Cashback and $0 liability for unauthorized payments, 24/7 fraud monitoring, and small additional services such as contactless and near ubiquity of digital wallets. The rewards are simple and easy to obtain, but the minimum ransom is $25.

• Save up to 2 – 1% payback on your purchases and 1% on your account.
• No annual fee
• Introductory APR period for a balance transfer

Petal 2 “Cash Back, No Fees” Visa Credit Card

The Petal 2 “Cash Back, No Fees” Visa credit card is one of the best cards designed for people with little or no credit history. It is suitable for all who rely on other financial information to determine their creditworthiness. There are no annual fees or deposits, and you may even earn some rewards. The card also offers a bonus cashback of 2% to 10% from selected sellers via the Petal offer.

• Other Benefits
• Zero Annual Fee
• No foreign transaction fee
• It doesn’t imply any over-limit fee. Moreover, credit history is not required.

Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for students could be a great first credit card option for some novice creditors. It is designed for US college and international students who are short on credit or profile. Deserve credit cards utilizes alternative data such as bank history, grants, and scholarships to evaluate creditworthiness. All purchases earn 1% payback, and there is no annual fee.

Annual Fee: Zero

Bank of America Travel Rewards credit card

This card is particularly designed for those with limited credit history. This card has no overseas transaction fees (and no annual fees). The card also comes with a 0% introductory APR for 12 billing cycles on shopping. Its users can earn 1.5 points per dollar on every purchase at any place.

APR: It offers a Variable APR of 13.99% – 23.99% on shopping and balance transfer.