Best No Annual Fee Card for Spotify

Capital One · No annual fee

Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores — four high-value categories covering most everyday spending — all with no annual fee. One of the few no-fee cards offering both grocery and dining bonuses simultaneously, ideal for households that eat out and cook at home.

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.

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.

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.

Discover · No annual fee

Exceptional value with 5% rotating categories and a unique Cashback Match that doubles all rewards the first year.

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.

Wells Fargo · No annual fee

The only credit card that lets you earn rewards on rent payments with zero processing fee. Renters paying $1,500/month earn 18,000 points/year on rent alone — worth $180+ toward travel or potentially more via transfers to American Airlines, United, Hyatt, and other premium partners. The no-annual-fee structure is exceptional given the transfer options.

Chase · No annual fee

One of the best no-annual-fee cards available, combining 5% rotating bonus categories with a permanent 3% on dining and drugstores. When paired with a Chase Sapphire card, cash back converts to transferable Ultimate Rewards points worth 1.25–1.5 cents each — dramatically increasing value. Cell phone protection is a bonus you won't find on most free cards.