9 Best Credit Cards Low Spenders

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Finding a good credit card can be hard when you don’t spend much money each month.

You don’t want to pay an annual fee for a card you don’t use very often. And you don’t want a card with a low credit limit.

Here are some of the best credit cards for low-spenders that offer excellent rewards and perks with no annual fee.

Best for Everyday Spending: Chase Freedom Unlimited® (review)

Best for Travel: Capital One Venture Rewards Credit Card (review)

Best for Best for U.S. Supermarkets & Gas Stations: Blue Cash Everyday® Card from American Express (review)

1. Chase Freedom Unlimited®

Best for Everyday Spending

No Annual Fee

card_name

  • bonus_miles_full
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After that, a reg_apr,reg_apr_type APR.)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

2. Capital One Venture Rewards Credit Card

Best for Travel

No Annual Fee
Capital One VentureOne Rewards Credit Card
  • bonus_miles_full
  • Unlimited 5x Miles on Hotels and Rental Cars Booked Via Capital One
  • Unlimited 1.25x Miles on All Other Purchases
  • Secondary Rental Car Insurance
  • Extended Warranty
  • No Annual Fee


Learn More Our Review

The Capital One VentureOne Rewards Credit Card is a no-annual-fee travel card, which allows cardmembers to earn unlimited 1.25X miles on every purchase, every day.

These miles can be used for travel purchases and are fully transferable to Capital One’s airline and hotel partners.

The VentureOne also offers nice benefits like no foreign transaction fees, rental car insurance, and extended warranty protection.

3. Capital One SavorOne Cash Rewards Credit Card

Best for Dining, Entertainment, & Groceries

No Annual Fee
Capital One SavorOne Rewards
  • Earn bonus_miles_full
  • 8% Cash Back at Capital One Entertainment
  • 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
  • No Annual Fee
Learn More Our Review

The Capital One SavorOne is a no-annual-fee card that earns 3% cash back in four popular categories: dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).

The SavorOne also has nice perks such as no foreign transaction fees and extended warranty protection.

Plus, cardholders earn 10% cash back on purchases with Uber and Uber Eats and complimentary Uber One membership statement credits every month through November 14, 2024.

4. Citi® Double Cash Card

Best for Simplicity

2% Cash Back & No Annual Fee
Citi® Double Cash Card
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, reg_apr,reg_apr_type.
  • No Annual Fee
Our Review Learn More
Non-Affiliate Link

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

5. Blue Cash Everyday® Card from American Express

Best for U.S. Supermarkets & Gas Stations

No Annual Fee
Blue Cash Everyday® Card from American Express
  • bonus_miles_full
  • 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
  • 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits

The Blue Cash Everyday® Card from American Express is a great no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).

The Blue Cash also offers $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)

Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit

6. Chase Freedom Flex℠

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee
Learn More Our Review
Referral Link

The Chase Freedom Flex℠ (review) is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

7. Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
  • Earn a bonus_miles_full.
  • 1.5% Cash Back on Every Purchase
  • 5% Cash Back on Hotels and Rental Cars Booked via Capital One Travel
  • 0% intro APR on purchases and balance transfers for 15 months. After that, reg_apr,reg_apr_type.
  • No Annual Fee
Learn More Our Review

The Capital One Quicksilver Cash Rewards Credit Card is a no-annual-fee credit card offering 1.5% cash back on all purchases.

It also comes with nice benefits such as no foreign transaction fees, extended warranty, and travel accident insurance.

8. Citi Rewards+® Card

No Annual Fee
Citi Rewards+® Card
  • bonus_miles_full
  • Round Up to the Nearest 10 points on Every Purchase.
  • For a Limited Time, earn 5 ThankYou Points per $1 spent on Hotel, Car Rentals, and Attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024.
  • 2x Points at Supermarkets and Gas Stations
  • 10% Points Back up to 15,000 Extra Points
  • No Annual Fee
Our Review Learn More
Non-Affiliate Link

The Citi Rewards+® Card is a no-annual-fee card that offers 2 points per dollar at gas stations and grocery stores, on up to $6,000 per year (and 1 point per dollar thereafter).

Plus, it rounds the earnings on all purchases up to the nearest 10 points and gives you 10% back on the first 100,000 points you redeem each year.

9. Delta SkyMiles® Blue American Express Card

No Annual Fee
Delta SkyMiles® Blue American Express Card
  • bonus_miles_full
  • 2X SkyMiles Per Dollar on Delta Air Lines
  • 2x SkyMiles Per Dollar at Restaurants worldwide (including takeout & delivery in the U.S.)
  • 20% Statement Credit on Delta In-Flight Purchases
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The Delta SkyMiles® Blue American Express Card (review) is a no-annual-fee card that earns 2x SkyMiles at restaurants worldwide, including U.S. takeout and delivery, and 2x SkyMiles on Delta purchases. 

Plus, you receive 20% savings in statement credits on Delta in-flight food and drinks and up to a $50 discount on flights booked on delta.com for every 5,000 miles redeemed via Pay With Miles.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

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