Credit cards
Best credit cards with no annual fee
Cards that charge $0 every year, not just the first one, so keeping the card open costs nothing after the bonus is banked. Ordered by year-one value: the cash value of the welcome bonus, plus first-year statement credits, minus the annual fee.
187 cards. Offer terms last checked against issuers on August 3, 2026.
| # | Card | Bonus | Min spend | Window | Annual fee | Year-1 value | Links |
|---|---|---|---|---|---|---|---|
| 1 | Chase Ink Business Cash | 100K UR | $8,000 | 4mo | $0 | $1,000 | Review · Offer |
| 2 | Chase Ink Business Unlimited | 100K UR | $8,000 | 4mo | $0 | $1,000 | Review · Offer |
| 3 | Capital One Spark Cash Select | $750 | $6,000 | 3mo | $0 | $750 | Review · Offer |
| 4 | US Bank Triple Cash Rewards Business | $750 | $6,000 | 6mo | $0 | $750 | Review · Offer |
| 5 | Wells Fargo Signify Business Cash | $500 | $5,000 | 3mo | $0 | $500 | Review |
| 6 | Bank of America Business Advantage Travel Rewards | 30K Points | $3,000 | 3mo | $0 | $300 | Review · Offer |
| 7 | Truist Business Cash Rewards | $300 | $10,000 | 3mo | $0 | $300 | Review · Offer |
| 8 | American Express Blue Business Cash | Up to $250 (base offer not confirmed) | $3,000 | 3mo | $0 | $250 | Review · Offer |
| 9 | Amex Blue Cash Everyday | Up to $250 (base offer not confirmed) | $2,000 | 6mo | $0 | $250 | Review · Offer |
| 10 | Associated Bank Everyday Rewards+ | 25K Points | $500 | 3mo | $0 | $250 | Review · Offer |
| 11 | Navy Federal cashRewards | $250 | $2,500 | 3mo | $0 | $250 | Review · Offer |
| 12 | Navy Federal cashRewards Plus | $250 | $2,500 | 3mo | $0 | $250 | Review · Offer |
| 13 | U.S. Bank Cash+ | $250 | $1,000 | 3mo | $0 | $250 | Review · Offer |
| 14 | USAA Bank Preferred Cash Rewards | $250 | $1,000 | 3mo | $0 | $250 | Review · Offer |
| 15 | Bank of America Customized Cash Rewards | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 16 | Bank-Fund FCU BEYOND | 20K Points | $4,000 | 3mo | $0 | $200 | Review |
| 17 | BofA Unlimited Cash Rewards | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 18 | Capital One Quicksilver Rewards | $200 | $500 | 3mo | $0 | $200 | Review · Offer |
| 19 | Capital One Savor | $200 | $500 | 3mo | $0 | $200 | Review · Offer |
| 20 | Charles Schwab Investor Card | Up to $200 (base offer not confirmed) | $1,000 | 3mo | $0 | $200 | Review |
| 21 | Chase Freedom Flex | $200 | $500 | 3mo | $0 | $200 | Review · Offer |
| 22 | Chase Freedom Unlimited | $200 | $500 | 3mo | $0 | $200 | Review · Offer |
| 23 | Citi Double Cash | $200 | $1,500 | 6mo | $0 | $200 | Review · Offer |
| 24 | FNBO Evergreen | $200 | $1,000 | 3mo | $0 | $200 | Review |
| 25 | FNBO Evergreen Business | $200 | $1,000 | 3mo | $0 | $200 | Review |
| 26 | Navy Federal More Rewards | 20K Points | $2,000 | 3mo | $0 | $200 | Review · Offer |
| 27 | PNC Cash Rewards Visa | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 28 | Regions Cash Rewards | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 29 | Regions Prestige | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 30 | SoFi Credit Card | $200 | $1,500 | 3mo | $0 | $200 | Review · Offer |
| 31 | Truist Enjoy Travel | 20K Points | $1,500 | 3mo | $0 | $200 | Review · Offer |
| 32 | U.S. Bank Altitude Connect | 20K points | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 33 | US Bank Altitude Go | 20K Points | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 34 | USAA Bank Cashback Rewards Plus | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 35 | USAA Eagle Adapt | $200 | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 36 | Wells Fargo Active Cash | $200 | $500 | 3mo | $0 | $200 | Review · Offer |
| 37 | Wells Fargo Autograph | 20K Wells Fargo Rewards | $1,000 | 3mo | $0 | $200 | Review · Offer |
| 38 | Affinity FCU Cash Rewards | $150 | $3,000 | 3mo | $0 | $150 | Review · Offer |
| 39 | Associated Bank Max Cash Preferred | $150 | $500 | 3mo | $0 | $150 | Review · Offer |
| 40 | Booking.com Genius Rewards | $150 | $1,500 | 3mo | $0 | $150 | Review · Offer |
| 41 | CommunityAmerica Visa Signature | $150 | $2,000 | 3mo | $0 | $150 | Review · Offer |
| 42 | Disney Visa | $150 | $500 | 3mo | $0 | $150 | Review · Offer |
| 43 | Fidelity Rewards Visa | $150 | $1,500 | 3mo | $0 | $150 | Review · Offer |
| 44 | Redstone Federal | $150 | $3,000 | 3mo | $0 | $150 | Review · Offer |
| 45 | State Farm Premier Cash Rewards | $150 | $500 | 3mo | $0 | $150 | Review · Offer |
| 46 | TD Bank Cash | $150 | $1,000 | 3mo | $0 | $150 | Review |
| 47 | TD Bank Double Up | $150 | $1,000 | 3mo | $0 | $150 | Review |
| 48 | Verizon | $150 | $1,500 | 3mo | $0 | $150 | Review · Offer |
| 49 | PenFed Platinum Rewards | 15K Points | $1,500 | 3mo | $0 | $135 | Review · Offer |
| 50 | American Express Blue Business Plus | Up to 15K MR (base offer not confirmed) | $3,000 | 3mo | $0 | $105 | Review · Offer |
| 51 | AAA Daily Advantage | $100 | $1,000 | 3mo | $0 | $100 | Review · Offer |
| 52 | AAA Travel Advantage | $100 | $1,000 | 3mo | $0 | $100 | Review · Offer |
| 53 | First Tech Federal Platinum Rewards | 10K Points | $2,000 | 2mo | $0 | $100 | Review |
| 54 | Harris Teeter Rewards | $100 | $500 | 3mo | $0 | $100 | Review |
| 55 | MGM Resorts Rewards | 10K Points | $1,000 | 3mo | $0 | $100 | Review · Offer |
| 56 | PenFed Power Cash Rewards | $100 | $1,500 | 3mo | $0 | $100 | Review · Offer |
| 57 | UNFCU Azure | 10K Points | $2,000 | 3mo | $0 | $100 | Review · Offer |
| 58 | UPromise | $100 | $500 | 3mo | $0 | $100 | Review · Offer |
| 59 | Wells Fargo Attune | $100 | $500 | 3mo | $0 | $100 | Review · Offer |
| 60 | Caesars Rewards | 10K Points | $1,000 | 3mo | $0 | $50 | Review · Offer |
| 61 | Tractor Supply Co. | 5K Points | $50 | 1mo | $0 | $50 | Review · Offer |
| 62 | Walmart OnePay CashRewards | $50 | $75 | 1mo | $0 | $50 | Review · Offer |
| 63 | Fairwinds CU Preferred Cash Back | $2,000 | $50,000 | 6mo | $0 | $20 | Review · Offer |
| 64 | AAFES Military Star | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 65 | Abound FCU Platinum | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 66 | Alliant | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 67 | Ally Everyday Cash Back | No current bonus | — | 3mo | $0 | $0 | Review |
| 68 | Ally Unlimited Cash Back | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 69 | Amex Hilton Honors (No Fee) | Up to 70K Hilton Honors (base offer not confirmed) | $2,000 | 6mo | $0 | $0 | Review · Offer |
| 70 | Amtrak Guest Rewards | 30K Points | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 71 | AOD FCU | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 72 | Apple Card | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 73 | AT&T Points Plus | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 74 | Aven | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 75 | Aven (Gas Option) | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 76 | Aven (Groceries Option) | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 77 | Bank of America Cash Back | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 78 | Bank of America Royal One | 45K Points | $2,000 | 3mo | $0 | $0 | Review · Offer |
| 79 | Bank of America Student Cash Back | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 80 | Bank of America Student Rewards | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 81 | Bank of America Susan Komen | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 82 | Bank of America Unlimited Cash Back | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 83 | Bank of America Unlimited Cash Back Student | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 84 | Bilt Mastercard | No current bonus | — | — | $0 | $0 | Review · Offer |
| 85 | Bread Cashback | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 86 | Bread Rewards | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 87 | Capital One Platinum | No current bonus | — | — | $0 | $0 | Review · Offer |
| 88 | Capital One Spark Classic Business | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 89 | Capital One VentureOne Business | 50K miles | $4,500 | 3mo | $0 | $0 | Review |
| 90 | Capital One VentureOne Rewards | 20K miles | $500 | 3mo | $0 | $0 | Review |
| 91 | Carnival | 30K Points | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 92 | Chase Freedom Rise | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 93 | Chase IHG One Rewards Traveler | 80K Points | $2,000 | 3mo | $0 | $0 | Review · Offer |
| 94 | Chase United ClubSM Business | 110K Miles | $5,000 | 3mo | $0 | $0 | Review · Offer |
| 95 | Chase United GatewaySM | 40K Miles | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 96 | Chase United QuestSM | 70K Miles | $4,000 | 3mo | $0 | $0 | Review · Offer |
| 97 | Chase UnitedSM Explorer | 60K Miles | $3,000 | 3mo | $0 | $0 | Review · Offer |
| 98 | Choice Privileges | 40K Points | $1,000 | 3mo | $0 | $0 | Review |
| 99 | Citi Custom Cash | No current bonus | — | 6mo | $0 | $0 | Review |
| 100 | Citi Diamond Preferred | No current bonus | — | — | $0 | $0 | Review · Offer |
| 101 | Citi ThankYou | No current bonus | — | 3mo | $0 | $0 | Review |
| 102 | Citizens Bank Summit | No current bonus | — | 3mo | $0 | $0 | Review |
| 103 | City National Cash Back | No current bonus | — | 3mo | $0 | $0 | Review |
| 104 | City National Flex Rewards | No current bonus | — | 3mo | $0 | $0 | Review |
| 105 | City National Now | No current bonus | — | 3mo | $0 | $0 | Review |
| 106 | Coinbase One | No current bonus | — | 3mo | $0 | $0 | Review |
| 107 | Delta SkyMiles Blue | Up to 10K miles (base offer not confirmed) | $1,000 | 6mo | $0 | $0 | Review · Offer |
| 108 | Discover Chrome | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 109 | Discover Chrome Student | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 110 | Discover it | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 111 | Discover it Cash Back | No current bonus | — | 12mo | $0 | $0 | Review · Offer |
| 112 | Discover It Chrome Gas & Restaurant | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 113 | Discover It Miles | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 114 | Discover it Student | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 115 | Discover Nhl | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 116 | Ducks Unlimited Rewards | No current bonus | — | 3mo | $0 | $0 | Review |
| 117 | FNBO Getaway | No current bonus | — | 3mo | $0 | $0 | Review |
| 118 | Fold Bitcoin Rewards | No current bonus | — | 3mo | $0 | $0 | Review |
| 119 | Ford Rewards | 15K Points | $1,500 | 3mo | $0 | $0 | Review |
| 120 | Gemini | No current bonus | — | 3mo | $0 | $0 | Review |
| 121 | GM Rewards Mastercard | 100K Points | $5,000 | 5mo | $0 | $0 | Review · Offer |
| 122 | HEB | No current bonus | — | 3mo | $0 | $0 | Review |
| 123 | Huntington Business Voice | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 124 | Huntington Cashback | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 125 | IHG One Rewards Traveler | 125K IHG One Rewards | $2,000 | 3mo | $0 | $0 | Review · Offer |
| 126 | JetBlue | 50K Points | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 127 | Kohl's Rewards | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 128 | Korean Air SKYPASS SkyBlue | 10K miles | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 129 | Langley FCU Signature Cash Back | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 130 | Marriott Bonvoy Bold | 60K Marriott Bonvoy | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 131 | Mercury IO Business | No current bonus | — | 3mo | $0 | $0 | Review |
| 132 | My Best Buy | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 133 | Navy Federal GO REWARDS | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 134 | Nibbles Pet Rewards | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 135 | Norwegian Cruise Line | 20K Points | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 136 | Novo Business | No current bonus | — | 3mo | $0 | $0 | Review |
| 137 | Paypal Cashback | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 138 | PNC Bank Cash Unlimited | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 139 | Robinhood Gold | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 140 | Rocket Card | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 141 | Sam's Club | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 142 | Sam's Club Plus | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 143 | Signature FCU Visa Signature | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 144 | SoFi Everyday Cash Rewards | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 145 | Star One | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 146 | State Farm Business Card Rewards | No current bonus | — | 3mo | $0 | $0 | Review |
| 147 | Synchrony Premier | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 148 | T-Mobile | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 149 | Target Circle | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 150 | Truist Enjoy Cash (Option 1) | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 151 | Truist Enjoy Cash (Option 2) | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 152 | United Gateway | 40K United MileagePlus | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 153 | US Bank Shield | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 154 | US Bank Smartly | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 155 | Venmo | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 156 | Wells Fargo One Key | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 157 | Wells Fargo Reflect Visa | No current bonus | — | 3mo | $0 | $0 | Review · Offer |
| 158 | Wyndham Earner | 75K Points | $1,000 | 3mo | $0 | $0 | Review · Offer |
| 159 | Expedia Group One Key | $400 | min spend not confirmed | 3mo | $0 | $400 | Review |
| 160 | Bank of America Business Advantage Customized Cash Rewards | $300 | min spend not confirmed | 3mo | $0 | $300 | Review · Offer |
| 161 | Bank of America Business Advantage Unlimited Cash Rewards | $300 | min spend not confirmed | 3mo | $0 | $300 | Review · Offer |
| 162 | Bank of America Travel Rewards | 25K Points | min spend not confirmed | 3mo | $0 | $250 | Review · Offer |
| 163 | U.S. Bank Cash Plus | $250 | min spend not confirmed | 3mo | $0 | $250 | Review · Offer |
| 164 | Chase Amazon Prime Visa | $200 | min spend not confirmed | window not confirmed | $0 | $200 | Review · Offer |
| 165 | First Tech Federal Choice Rewards | 20K Points | min spend not confirmed | 2mo | $0 | $200 | Review |
| 166 | PNC Bank Cash Rewards | $200 | min spend not confirmed | 3mo | $0 | $200 | Review · Offer |
| 167 | Upgrade Triple Rewards | $200 | min spend not confirmed | 3mo | $0 | $200 | Review · Offer |
| 168 | Amazon Prime Business | Up to $125 (base offer not confirmed) | min spend not confirmed | 3mo | $0 | $125 | Review |
| 169 | Amazon Business | Up to $100 (base offer not confirmed) | min spend not confirmed | 3mo | $0 | $100 | Review |
| 170 | Amazon Prime Rewards | $100 | min spend not confirmed | 3mo | $0 | $100 | Review · Offer |
| 171 | Bilt Blue | $100 | min spend not confirmed | 3mo | $0 | $100 | Review · Offer |
| 172 | Instacart | $100 | min spend not confirmed | 3mo | $0 | $100 | Review · Offer |
| 173 | Rakuten | Up to $100 (base offer not confirmed) | min spend not confirmed | 3mo | $0 | $100 | Review · Offer |
| 174 | REI Co-op | $100 | min spend not confirmed | 2mo | $0 | $100 | Review · Offer |
| 175 | DoorDash Rewards | $96 | min spend not confirmed | 3mo | $0 | $96 | Review · Offer |
| 176 | Bass Pro Shops / Cabela's CLUB | $60 | min spend not confirmed | 1mo | $0 | $60 | Review · Offer |
| 177 | Kroger Rewards | $59 | min spend not confirmed | 3mo | $0 | $59 | Review · Offer |
| 178 | Affinity FCU Pure Rewards | 5K Points | min spend not confirmed | 3mo | $0 | $50 | Review · Offer |
| 179 | Amazon | $50 | min spend not confirmed | 3mo | $0 | $50 | Review · Offer |
| 180 | Huntington Voice Rewards | $5,000 | min spend not confirmed | 3mo | $0 | $50 | Review · Offer |
| 181 | myWalgreens | $50 | min spend not confirmed | 2mo | $0 | $50 | Review · Offer |
| 182 | Chase Rise | $25 | min spend not confirmed | 3mo | $0 | $25 | Review · Offer |
| 183 | Scheel's | $25 | min spend not confirmed | window not confirmed | $0 | $25 | Review · Offer |
| 184 | Amazon Prime Store Card | $10 | min spend not confirmed | 3mo | $0 | $10 | Review · Offer |
| 185 | American Airlines AAdvantage MileUp | 15K miles | min spend not confirmed | 3mo | $0 | $0 | Review · Offer |
| 186 | Celebrity Cruises | 30K Points | min spend not confirmed | 3mo | $0 | $0 | Review |
| 187 | PNC Bank points | 200 Points | min spend not confirmed | 3mo | $0 | $0 | Review · Offer |
How we rank this list
Year-one value is the cash value of the welcome bonus (points at what we think that currency is worth), plus statement credits you can actually claim in the first year, minus the annual fee. Nothing on this page is ordered by how much we get paid.
Where a headline reads up to some number, the offer is targeted or tiered and the big number is a ceiling, not a promise. Those cards are ranked at their base offer, printed in brackets beside the headline.
29 cards on this page have a bonus whose minimum spend we have not checked against the issuer yet. Those rows say so, and they rank below every card whose terms we do know. The full method is on the methodology page.
Want the whole catalog in one table, with a tool that matches cards to your own spending? See all credit card bonuses.