Best Credit Card with No Fee Annually 


Discover it Cash Back

Discover it Cash Back has a very good incentive program called “CashBack Match”. All the cashback you’ve earned in the first year after getting the card, will be matched by Discover, and the amount will be applied to your card. Basically, your cashback is doubled. If your total cashback for 12 months is $100, another $100 will be given to you by Discover after your 12th billing cycle.


For eligible purchases in restaurants,, gas stations and grocery stores (rotating categories), you can earn a cash back of 5% on the first $1500 spent per quarter. You have unlimited cash back of 1% on your other purchases.


To earn the bonus categories’ cash back, don’t forget to enroll quarterly or every three months.


With the Cashback Match incentive, you will be getting 10% cashback (5% original + 5% match) on the bonus categories, and your other purchases will earn 2% cashback (1% original + 1% match).


Chase Freedom Unlimited

Chase Freedom Unlimited gives the best return on your spending.


It has an unlimited cash back of 1.5% on your purchases without any restrictions. There is no minimum amount for cash back redemption and no requirements or extra stipulations on bonus categories’ earnings.


Combining your points earned from your Freedom Unlimited credit card and your Chase Sapphire Reserve card can give you 2.25% (of total amount spent) earnings.

Your cash back can also be redeemed as points that you can use for the 1. 5x Ultimate Rewards, and this apply to all your purchases, when you combine your Freedom Unlimited with your Ink Business Preferred Card or with your Chase Sapphire Preferred card.


Similar to Chase Freedom, you’ll also get a bonus of $150 after spending $500 within 90 days of getting the new card.