最佳免年费信用卡 – 存得更多，花得更明智

Avoid unnecessary fees while enjoying top rewards and benefits!

🎯 Why Choose a No Annual Fee Card?

✅ Save Money – Keep more of your hard-earned cash without worrying about yearly fees.
✅ Earn Rewards & Cashback – Many no-fee cards still offer excellent perks like cashback and points.
✅ Great for Beginners – A perfect choice for those new to credit or looking to build their score.
✅ Low Maintenance – No need to justify a high annual fee with spending to break even.
✅ Flexible & Convenient – Some even include travel perks, purchase protection, and more!

🏆 Best No Annual Fee Credit Cards

1. Citi® Double Cash Card

💰 Earn up to 2% cashback (1% when you buy, 1% when you pay off your balance).
💳 无年费, and widely accepted worldwide.
⚡ Intro APR on balance transfers for the first 18 months.

最适合： Those who want a simple, high-earning cashback card with no hidden fees.

2. Chase Freedom Unlimited®

🎁 1.5% cashback on all purchases.
🚀 5%返现 on travel booked through Chase Ultimate Rewards.
💳 3% 现金返还 on dining and drugstores.
🎉 $200 sign-up bonus after spending $500 in the first 3 months.

最适合： People who want an easy-to-use rewards card with extra perks.

3. Discover it® Cash Back

💵 5%返现 in rotating bonus categories each quarter (activation required).
💰 1%返现 on all other purchases.
🎯 现金返还匹配 – Discover matches all cashback earned in the first year!

最适合： Those who want to maximize cashback with rotating categories.

4. Capital One Quicksilver Cash Rewards

💲 1.5% unlimited cashback on all purchases.
🚀 无境外交易费用 – great for international travelers.
💳 $200 bonus after spending $500 in the first 3 months.

最适合： Anyone looking for a no-hassle flat-rate cashback card.

5. Wells Fargo Active Cash™ Card

💰 2% unlimited cashback on every purchase.
🎉 $200 welcome bonus after spending $1,000 in the first 3 months.
💳 Intro APR on purchases and balance transfers for 15 months.

最适合： Those who want a high unlimited cashback rate with no effort.

💡 How to Choose the Right No Annual Fee Card

📊 Compare Rewards & Cashback – Pick a card that aligns with your spending habits.
💳 Look for Bonus Offers – Many offer sign-up bonuses that give extra value.
📈 Consider Additional Perks – Some include travel protection, extended warranties, or purchase protection.
🚀 Check Credit Score Requirements – Most require a good to excellent credit score (670+).

Final Thoughts: The Smart Choice for Savvy Shoppers

No annual fee credit cards let you enjoy financial freedom while maximizing rewards. Whether you want cashback, travel benefits, or a solid everyday card, there’s an option that fits your needs. Don’t pay for perks you can get for free—apply today and start saving!

作者：亚瑟 Updated on 4 月 1, 2025