2025 No-Brain Credit Card Recommendations
Many banks have launched “no-brain” credit cards, defined as cards that provide unlimited or high-limit rewards regardless of the purchase channel, as long as the spending threshold is met or specific tasks are completed, such as setting up automatic payments. No matter how you use the card, you can enjoy cash or points rewards. This article compiles selected no-brain credit cards for 2025, giving you a comprehensive overview!
HSBC Cash Back Premier Card〉Unlimited 1.22% Cash Back in Taiwan
Image / HSBC Official Website
The HSBC Cash Back Premier Card supports mobile payments such as Apple Pay, Google Pay, and Samsung Pay, offering unlimited cash back of 1.22% for domestic spending and 2.22% for overseas spending, with no minimum spending threshold required to enjoy rewards. The reward channels are quite diverse, including online shopping, delivery platforms, mobile payments, and insurance premium payments.
Promotion Period: From now until June 30
Fubon LINE Bank Co-branded Card〉Unlimited 1% Cash Back in Taiwan
Image / Fubon Bank Official Website
The Fubon LINE Bank co-branded card emphasizes rewards from LINE Pay. It offers 1% cash back for domestic spending and 2.5% cash back for overseas spending with no limits. Additionally, by completing the following three tasks: overseas spending at 2.5%, bonus of 3% for specified online shopping, and 3% for automatic payments, you can enjoy a total maximum cash back of 8.5%. For spending at specified restaurants and beverage shops, you can also receive an additional 5% in LINE POINTS rewards.
Promotion Period: From now until July 31
Fubon Jih Tsai Card〉1% Cash Back for General Spending, 2.5% for Japanese Yen
Image / Fubon Bank Official Website
The Fubon Jih Tsai Card offers unlimited 1% cash back for general spending both domestically and internationally. By meeting the criteria of 1% for domestic general spending, an additional 0.3% for binding Fubon accounts for automatic deductions (no limit), and 5% for new users who open a NewNewBank account and successfully link automatic payments, you can enjoy up to 6.3% in total. Additionally, this card emphasizes a 4% cash back for spending in Japan, including unlimited 2.5% cash back for purchases in Japanese Yen and 1.5% for binding mobile payments that support Japanese contactless payments (with a monthly limit of NT$1,000).
Promotion Period: From now until June 30
Yongfeng DAWHO Cash Back Card〉1% Cash Back for General Spending in Taiwan, 1% Bonus for Automatic Payments
Image / Yongfeng Bank Official Website
The Yongfeng DAWHO Cash Back Card offers unlimited 1% cash back for general spending in Taiwan and 2% for overseas spending. According to the rewards structure, completing designated tasks, including binding a digital account for automatic credit card payments and applicable electronic or mobile bills, can grant an additional 1% cash back on general spending (with a limit of NT$300 for high-tier customers). This means a total maximum cash back of 2% for domestic spending and 3% for overseas spending. Furthermore, if you spend at seven designated channels, you can receive an additional 5% (with a limit of NT$300 for high-tier customers), allowing for a maximum of 7% cash back domestically and up to 8% overseas.
Further Reading: 2025 Comprehensive Review of Credit Card LINE Pay Rewards! Which Card Offers the Best LINE POINTS? New Users “Apply for This Card” to Enjoy Up to 10% Cash Back
Image / Yongfeng Bank Official Website
Image / Yongfeng Bank Official Website
Promotion Period: From now until June 30
DBS Eco Card〉Unlimited 1.2% Cash Points for Domestic and Overseas Spending
Image / DBS Bank
DBS Bank’s Eco Card offers two reward qualification options for DBS account holders, DBS Treasures clients, and DBS Treasures Private clients. Additionally, binding mobile payments such as Apple Pay, Samsung Pay, JKo Pay, and LINE Pay can earn extra rewards.
Promotion Period: From now until June 30
Taishin Rose Giving Card〉1% Cash Back for General Domestic Spending, Up to 2% on Holidays
Image / Taishin Bank Official Website
The Taishin Rose Giving Card provides 1% cash back for everyday domestic spending and up to 2% on holidays when using the “Taishin Credit Card Digital Bill” and setting “Taishin Account to Deduct Taishin Credit Card Payments.” It also offers up to 3% Taishin Points for overseas spending, with a maximum total reward limit of 3,000 points, equivalent to no limits.
Promotion Period: From now until June 30
This article is reproduced in collaboration with: Digital Age
Further Reading: 2025 Comprehensive Review of Credit Card LINE Pay Rewards! Which Card Offers the Best LINE POINTS? New Users “Apply for This Card” to Enjoy Up to 10% Cash Back
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