Best No-Fee Credit Card Recommendations for This Holiday Season

Holiday shopping is upon us, and the earlier you shop, the more likely you are to cash in on some massive deals. But before you start crossing gifts off your list, it’s a good idea to consider a no-fee rewards credit card to cover the cost of all the cheer you want to spread this holiday season. 

After all, it’s no secret that gift buying can add up, but this list of no-fee credit card options is a gift that will help you save money on everything from clothes to toys and electronics. 

American Express – Blue Cash Everyday®️

The Blue Cash Everyday®️ Card from American Express comes with a zero-dollar annual fee and the potential to earn cash back at the grocery store, gas station, select department stores and on other everyday purchases. This rewards credit card offers 3 cash back tiers ranging from 1% to 3% depending on your purchase category.

You can also share your American Express benefits by adding an additional card member to your account. By doing so, you can earn cash back on their purchases just as you do on your card.

Discover it®️ Cash Back Credit Card

Just in time for the holidays, the Discover it®️ Cash Back Credit Card offers 5% cash back on up to $1,500 in purchases at, and You’ll automatically earn 1% back on all other purchases. Also, with the card’s exclusive 2X Cash Back Match, you’ll get an unlimited dollar-for-dollar kickback on all the cash back you’ve earned at the end of your first year automatically.

With no annual fee, cash rewards and a match on all the cash back you’ve earned by the end of your first year, the Discover it®️ Cash Back Credit Card stands as one of the top no-fee credit cards for the holiday season.

Amazon Prime Rewards Visa Signature Card from Chase

I don’t know about you, but I order from Amazon enough to get rewarded, so the Amazon Prime Rewards Visa Signature Card from Chase is a no brainer. With it, you can earn 5% back on ALL and Whole Foods Market purchases with an eligible Prime membership. PLUS, you’ll get 2% back at restaurants, gas stations and pharmacies and 1% back on all other qualified purchases. 

This no-annual-fee credit card also comes with an Amazon Gift Card bonus that will be automatically loaded into your account once you’re credit card application is approved. 

Citi®️ Double Cash Card

No, your eyes are not deceiving you – that really reads “Double Cash.” With the Double Cash Card from Citi®️, you earn cash back twice. You get an unlimited 1% cash back reward on purchases and an additional 1% as you pay for your purchases. All that while reaping the benefits of no annual fee. With this card there are no confusing purchase categories, so you’re guaranteed to earn cash back on every purchase.

PLUS, the Citi®️ Double Cash Card comes with a balance transfer offer where you can qualify for a 0% introductory APR for 18 months on balance transfers.

Ok, so you now have the information you need to choose a credit card that will pay you to shop. As always, spend wisely and go with a credit card that offers the perks and rewards you want so you can spend, save and earn cash back all at the same time.


When considering using a credit card to cover holiday expenses, choose one with no fees that also earns rewards or cash back. By being thoughtful about how you spend your money (even during the holiday season), you’ll be able to finally reach your financial goals. Ready for more guidance on how to improve your credit, save more money and build that wealth-generating, debt-free lifestyle you’ve been wanting? Get it all inside Flyy Credit University.

Credit Professional, ready to help you take your financial future back.

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