Cashback Credit Cards without Annual Fee – Get Money Back on Every Expense!

An easy way to get $1-$5 cashback on every $100 spent in the USA? This is not a dream – it is possible with $0 annual fee credit cards!

How does a Cashback Card work?

• Groceries ($600/month) → $30 cashback
• Gas ($200/month) → $10 cashback
• Bills (Internet/Phone) → Extra $5-$10
  Purchases using Bus card – money is returned automatically!

Top 3 $0 Fee Cards (USA) of 2025:

, Card | Cashback Rate | Special Offer |
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, Citi® Double Cash | 2% everywhere. $200 bonus ($1,500/3 mah)
, Chase Freedom Flex | 5% rotating categories 9% cashback Amazon Prime Day |
, Discover it® Cashback| 5% quarterly bonus First year’s cashback double! ,

How to avail cashback? (US Tips)

1. Automatic Bills Pay:
   Comcast/Verizon bills charged to card → $50/month = $60 annually
2. Supermarket Stacking:
   Kroger/Walmart + 5% category = $300/month → $15 cashback
3. Welcome Bonus Pakaro:
   “$200 bonus for $500 spend” = 40% return!
4. Rewards Redeem Smartly:
   Statement credit > Gift cards (higher value)

4 Dangerous Mistakes:

1. Only looking at cashback:
   $1,000 balance at 28% APR = $280 annual soybean!
2. Making minimum payment:
   $500 balance → $25 min pay = $475 at 24% APR ($114/year extra)
3. Taking Store Cards:
   Target/Walmart cards have 28%+ APR
4. Increasing Credit Utilization:
   Using more than 30% of limit → Credit score drops

US Real-Life Example:

Ayesha (Nurse):

• Card: Chase Freedom Unlimited®
  Expenses:
  ✓ Groceries: $400/month → $12 cashback
  ✓ Gas: $120/month → $3.60 cashback
  ✓ Dining: $300/month → $9 cashback
• Total Annual Deposit: $295 + $200 bonus = $495 ($0 fee!)

Shariah-Compliant Halal Alternative:

• UIF Visa Card:
  $0 annual fee | No interest (halal profit-share)
  1.5% cashback per purchase

How to Apply:

1. Credit Score Check:
   Check it for free on CreditKarma.com (650+ for best cards)
2. Pre-Qualify:
   Eligibility test on Citi/Chase website
3. Online Apply:
   Upload SSN + ID + Income Proof (W-2)

Pro Tip: Don’t apply for more than 2 cards in a year!

Conclusion:

“A good cashback card with CPA in your pocket!”
From these cards:

• $6,000 annual spend = upto $360 cashback
• Responsible use = 720+ credit score
• Halal way = avoidance of sins
  (For halal cards google “UIF Cards” or “Umar Finance”!)

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