Best No Annual Fee Card for Shell

American Express · No annual fee

The best no-annual-fee hotel card for casual Hilton guests. Earn 7x points at Hilton properties and 5x on restaurants, supermarkets, and gas stations. Automatic Silver status gives you perks like 5th-night-free on reward stays. Points are worth ~0.5¢ each.

American Express · No annual fee

Amex's no-annual-fee cashback card earns 3% in three powerful everyday categories — supermarkets, online retail, and gas. The online retail 3% is especially valuable as more spending moves online. Disney Bundle credit ($84/year) partially offsets the lack of fee, making this an excellent companion card.

Wells Fargo · No annual fee

Wells Fargo's flagship no-annual-fee rewards card covers six popular bonus categories at 3x. Dining, travel, gas, transit, streaming, and phone plans all earn triple points. Add cell phone protection and no foreign transaction fees and you have a strong everyday card.

Navy Federal Credit Union · No annual fee

One of the best credit union cards available to military members and their families. The standout feature is the incredibly low APR range (12.24-18%) combined with no annual fee and no balance transfer fees. 3x on dining, gas, and transit is competitive.

Discover · No annual fee

The best secured credit card by a wide margin — and the only secured card that earns meaningful cash back rewards. Most secured cards offer nothing; Discover gives you 2% on gas and dining with Cashback Match doubling it all year one. Automatic review for upgrade to unsecured after 7 months means your deposit is returned faster than most.

Chase · No annual fee

The best no-annual-fee business credit card for companies spending on office supplies and telecom. Earn 5% cash back at office supply stores, on internet, cable, and phone services — categories that most businesses use heavily. The $750 welcome bonus after just $6,000 spend makes the first year especially lucrative.

U.S. Bank · No annual fee

One of the best no-annual-fee dining cards available. Earn an uncapped 4x points on dining purchases, plus 2x on groceries, streaming, gas, and EV charging. The intro APR and no foreign transaction fees sweeten the deal.

Chase · No annual fee

The essential card for Amazon Prime members. 5% back on all Amazon.com and Whole Foods purchases is hard to beat. The 2% on restaurants, gas, and transit makes it a solid everyday card too. No annual fee beyond your Prime membership.