**2025 Recommendations for No-Brainer Credit Cards**
Many banks have introduced “no-brainer” credit cards, defined as cards that offer unlimited or high-limit rewards across all spending channels. As long as certain spending thresholds are met or specific tasks are completed, such as setting up automatic payments, cardholders can enjoy cash or points rewards regardless of how they use the card. This article compiles a selection of no-brainer credit cards for 2025, providing you with a comprehensive overview!
**HSBC Cash Back Royal Card**
Unlimited 1.22% cash back on domestic spending
*Source: HSBC Bank Official Website*
The HSBC Cash Back Royal Card supports mobile payments such as Apple Pay, Google Pay, and Samsung Pay, offering an unlimited cash back of 1.22% on domestic spending and 2.22% on overseas spending. There is no minimum spending threshold required to enjoy the rewards, and the eligible spending categories are quite diverse, including online shopping, food delivery platforms, mobile payments, and insurance premium payments.
**Promotion Period:** From now until June 30
**Union Bank LINE Bank Co-Brand Card**
Unlimited 1% cash back on domestic spending
*Source: Union Bank Official Website*
The Union Bank LINE Bank Co-Brand Card emphasizes rewards through LINE Pay, offering 1% cash back on domestic spending and 2.5% cash back on overseas spending with no limit. Additionally, by completing the following three tasks—2.5% cash back on overseas spending, an extra 3% cash back on designated online video shopping, and a 3% reward for setting up automatic payments—cardholders can enjoy a total maximum cash back of 8.5%. There is also a 5% LINE POINTS rewards bonus for spending at designated restaurants and beverage shops.
**Promotion Period:** From now until July 31
**Union Bank Jizuru Card**
1% cash back on general spending domestically and abroad, 2.5% cash back on yen spending
*Source: Union Bank Official Website*
The Union Bank Jizuru Card offers unlimited 1% cash back on general spending both domestically and internationally. By achieving 1% cash back on domestic general spending, linking to a Union account for an additional 0.3% (no limit), and successfully linking to a NewNewBank account for a 5% bonus, cardholders can enjoy a total maximum of 6.3% cash back. Furthermore, this card highlights a cash back of up to 4% for spending in Japan, which includes unlimited 2.5% cash back on yen spending, and 1.5% cash back for using QUICPay that supports Japanese payments (with a monthly limit of NT$1,000).
**Promotion Period:** From now until June 30
**Yongfeng DAWHO Cash Back Card**
1% cash back on general spending domestically, 1% bonus for automatic payments
*Source: Yongfeng Bank Official Website*
The Yongfeng DAWHO Cash Back Card offers an unlimited 1% cash back on domestic general spending and 2% on overseas spending. By fulfilling specific tasks, including linking a digital account for automatic credit card payments and utilizing electronic or mobile billing, cardholders can enjoy an additional 1% cash back on general spending (with a maximum limit of NT$300 for high users), resulting in a total maximum cash back of 2% domestically and 3% internationally. Additionally, spending at seven designated channels can earn an extra 5% (maximum limit of NT$300 for high users), allowing for a maximum cash back of 7% domestically and 8% internationally.
**Extended Reading:** **2025 Credit Card LINE Pay Rewards Overview! Which card offers the best LINE POINTS? New users can get up to 10% cash back with this card.**
*Source: Yongfeng Bank Official Website*
*Source: Yongfeng Bank Official Website*
**Promotion Period:** From now until June 30
**DBS Eco Sustainable Card**
Unlimited 1.2% cash back on domestic and international spending
*Source: DBS Bank*
The DBS Eco Sustainable Card offers two reward qualification options based on whether the cardholder is a DBS account holder, a DBS Prosperous Wealth client, or a DBS Prosperous Private client. Additionally, linking mobile payment options such as Apple Pay, Samsung Pay, JKO Pay, and LINE Pay can provide further bonuses:
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**Promotion Period:** From now until June 30
**Taishin Rose Giving Card**
1% cash back on general spending domestically, up to 2% on holidays
*Source: Taishin Bank Official Website*
The Taishin Rose Giving Card offers 1% cash back on weekday domestic spending and up to 2% on holidays when using the “Taishin Credit Card Digital Bill” and setting up “Taishin Account Payments for Taishin Credit Card Bills.” It also provides up to 3% Taishin Point cash back for overseas spending, with a maximum total rewards cap of 3,000 points, effectively meaning no limit.
**Promotion Period:** From now until June 30
This article is republished in collaboration with: Digital Age
**Extended Reading:** **2025 Credit Card LINE Pay Rewards Overview! Which card offers the best LINE POINTS? New users can get up to 10% cash back with this card.**
**Top 10 Trending Credit Cards in 2024! Taishin’s “Old Card Renewal” offers 3.3% cash back, while this DBS card will see a significant reduction next year.**