Core Insights - The article discusses various no-annual-fee credit cards, highlighting their benefits and rewards structures, particularly focusing on introductory offers and cash-back rates. Group 1: Best No-Annual-Fee Credit Cards - The Chase Freedom Unlimited is noted for its 0% intro APR offers and a welcome bonus of $300 after spending $500 in the first 3 months [3] - The Capital One Savor Cash Rewards card offers a one-time $200 cash bonus after spending $500 in the first 3 months, making it ideal for grocery rewards [7] - The Amex Blue Cash Everyday card provides a $200 statement credit after spending $2,000 within the first 6 months, with high earning potential in everyday spending categories [11] Group 2: Rewards Rates - The Chase Freedom Unlimited offers 5% cash back on travel purchased through Chase Travel, 3% on drugstore purchases and dining, and 1.5% on all other purchases [5] - The Capital One Savor card provides 8% cash back on Capital One Entertainment purchases, 5% on hotels and vacation rentals booked through Capital One Travel, and 3% on dining and grocery stores [9][24] - The Amex Blue Cash Everyday card offers 3% cash back at U.S. supermarkets, online retail purchases, and gas stations, with 1% on all other purchases [13] Group 3: Targeted Audiences - The Capital One Savor Student Cash Rewards card is tailored for students, offering a $50 cash bonus after spending $100 in the first 3 months [22] - The Amex Blue Business Plus card is designed for small business owners, providing 2x points on everyday business purchases [18] - The article emphasizes that no-annual-fee cards are suitable for individuals looking to earn rewards without incurring annual costs [28]