Points Frog guide
The best no annual fee credit cards
The best no annual fee credit card as of October 18, 2026 is the Citi Double Cash: 2x ThankYou points on everyday purchases (2.45¢ back per dollar at 1.22¢ a point), with no annual fee. Wells Fargo Active Cash (2¢) and Wells Fargo Autograph (1.6¢) follow, in cents back per dollar.
Card terms checked
- 1
Citi Double Cash
2x ThankYou points · No annual fee · points at 1.22¢ · issuer terms checked
2.45¢ per $1
- 2
Wells Fargo Active Cash
2% cash back · No annual fee · issuer terms checked
2¢ per $1
- 3
Wells Fargo Autograph
1x Wells Fargo Rewards points · No annual fee · points at 1.6¢ · issuer terms checked
1.6¢ per $1
- 4
Chase Freedom Unlimited
1.5% cash back · No annual fee · issuer terms checked
1.5¢ per $1
- 5
Amex Blue Cash Everyday
1% cash back · No annual fee · issuer terms checked
1¢ per $1
- 6
Capital One Savor
1% cash back · No annual fee · issuer terms checked
1¢ per $1
Cents back per dollar is the card's earning rate times what Points Frog values its points at; cash back counts at 1 cent. Welcome bonuses, credits and travel-portal rates are left out. To weigh fees, caps and every category on your own spending, use the best credit card calculator or the annual fee calculator.
Quick answers
What is the best no annual fee credit card?
The best no annual fee credit card as of October 18, 2026 is the Citi Double Cash: 2x ThankYou points on everyday purchases (2.45¢ back per dollar at 1.22¢ a point), with no annual fee.
How does Points Frog rank credit cards?
By cents back per dollar on everyday purchases: the card's earning rate times what Points Frog values its points at, with cash back at 1 cent. Rates come from each issuer's card page and are dated. Welcome bonuses, statement credits and portal-only rates are left out, and so is the annual fee, which each card lists beside its rate.