Ranked by value to a typical spender

No annual fee credit cards

Cards with no annual fee: the ones worth the most cash for everyday spending, and the ones with the lowest APRs. The top of each ranking, from 597 cards.

Checked Oct 12, 2026

November 2026 listUpdated Nov 1, 2026

CareCredit is worth the most to a typical spender with no annual fee: $710 a year.

$710a year, the most to a typical spender

50of 597cards on this list

11with a welcome offer

No card here matches both. Clear a filter to see more.

Most cash value to a typical spender

Sorted by yearly cash value after the first year for our typical spender (rewards and credits minus fees, $2,500 a month of spending), highest first. Counts only cash back and points the issuer prices in cents. Leaves out 292 cards whose rewards we can't count, or whose points have no stated cash value.

1CareCredit MastercardSynchronyYearly value$710 a yearIntro APRNone: No 0% intro APR statedPurchase APR32.99%
2Citizens Summit World MastercardCitizensYearly value$610 a yearIntro APRNone: No 0% intro APR statedPurchase APR17.99%
3Wells Fargo Cash Back Credit CardWells FargoWelcome offer: $100 cash back after $500 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly value$600 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
4Credit One Bank Omni Rewards American Express® CardCredit OneWelcome offer: $200 cash back after $1,000 in 6 monthsYearly value$600 a yearIntro APRNone: No 0% intro APR statedPurchase APR29.99–30.49%
5Evergreen Credit CardFNBOYearly value$600 a yearIntro APRNone: No 0% intro APR statedPurchase APR19.74–28.24%
6Evergreen® Business Edition® Credit CardFNBOYearly value$600 a yearIntro APR0% for 6 mothen 17.49–28.24%Purchase APR17.49–28.24%
7Personal Credit CardHoosier Heartland State BankYearly value$600 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
8Platinum Visa Card with and without Rewards.1st Community Federal Credit UnionYearly value$600 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
9U.S. Bank Business Essentials Visa® CardUS BankWelcome offer: 50,000 points after $5,000 in purchasesYearly value$600 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
10U.S. Bank Smartly™ Visa Cash Back Credit CardUS BankYearly value$600 a yearIntro APR0% for 12 mothen 17.99–28.24%Purchase APR17.99–28.24%
11Navy Federal More Rewards American Express® CardNavy FederalWelcome offer: 20,000 points after $2,000 in 3 monthsYearly value$565 a yearIntro APRNone: No 0% intro APR statedPurchase APR14.15–18.00%
12Savor RewardsCapital OneWelcome offer: $200 cash back after $500 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly value$515 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
13Savor Rewards for Good CreditCapital OneYearly value$515 a yearIntro APRNone: No 0% intro APR statedPurchase APR29.24%
14Savor Student Credit CardCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly value$515 a yearIntro APRNone: No 0% intro APR statedPurchase APR18.74–28.74%
15Chase Freedom Unlimited Credit CardChaseWelcome offer: $200 cash back after $500 in 3 monthsOnce per 24 months: The issuer’s rule on getting the bonus again: check when you canYearly value$505 a yearIntro APR0% for 15 mothen 18.49–27.99%Purchase APR18.49–27.99%
16U.S. Bank Altitude® Go Secured Visa® CardUS BankYearly value$505 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
17U.S. Bank Altitude® Go Visa Credit CardUS BankWelcome offer: 20,000 Points after $1,000 in purchasesOnce per 60 months: The issuer’s rule on getting the bonus again: check when you canYearly value$505 a yearIntro APR0% for 15 mothen 17.74–27.74%Purchase APR17.74–27.74%
18Ollo Rewards+ for Educators MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
19Ollo Rewards+ for Nurses MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
20Nih FCU Visa Platinum CardNih Federal Credit UnionYearly value$490 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.99–16.99%
21Cash Rewards Secured Credit Card from Bank of AmericaBank of AmericaYearly value$480 a yearIntro APRNone: No 0% intro APR statedPurchase APR27.74%
22Blue Cash Everyday® CardAmerican ExpressYearly value$470 a yearIntro APRNone: No 0% intro APR statedPurchase APR19.74–28.74%
23Trugrocer FCU Visa ClassicTrugrocer Federal Credit UnionWelcome offer: 100 cashback after $500 in purchasesYearly value$470 a yearIntro APRNone: No 0% intro APR statedPurchase APR16.90%
24VISA PLATINUM CASH REBATEKirtland Federal Credit UnionYearly value$460 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
25Our Best Rewards Credit CardWells FargoWelcome offer: 20,000 points after $1,000 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly value$455 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%

Lowest APR

Sorted by lowest purchase APR today first. Leaves out 7 cards reporting an APR under 5%, which is almost always an intro rate or a reporting error.

1United Bank Visa PlatinumUnited BankPurchase APR5.99%Yearly value$300Intro APRNone: No 0% intro APR stated
2VISA Consumer Credit CardNorth Country Federal Credit UnionPurchase APR6.45–16.95%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
3APL FCU CLASSIC VISA CARDApl Federal Credit UnionPurchase APR6.49–18.00%Yearly value$450Intro APRNone: No 0% intro APR stated
4MauiFed VISA SECUREDMaui Federal Credit UnionPurchase APR6.99%Yearly value$0Intro APRNone: No 0% intro APR stated
5State Bank And Trust Company Visa Platinum Credit CardState Bank And Trust Company, ThePurchase APR6.99–21.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 mothen 6.99–21.99%
6Maui County FCU Visa PlatinumMaui County Federal Credit UnionPurchase APR7.00–17.50%Yearly value$0Intro APRNone: No 0% intro APR stated
7Southpoint Financial CU VISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECUREDSouthpoint Financial Credit UnionPurchase APR7.00–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
8Mid Carolina CU Credit Card ProgramMid Carolina Credit UnionPurchase APR7.45–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
9RVCU Credit CardRiver Valley Credit UnionPurchase APR7.50–11.50%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
10Coloramo FCU Visa SecuredColoramo Federal Credit UnionPurchase APR7.90%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
11Alcoa Community FCU Platinum VisaAlcoa Community Federal Credit UnionPurchase APR7.99–15.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
12TRU FCU Credit CardTru Federal Credit UnionPurchase APR7.99–15.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
13Consumer Credit CardSandia Area Federal Credit UnionWelcome offer: 10,000 points after $1,000 in 3 monthsPurchase APR8.49–17.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
14Magnolia FCU VisaMagnolia Federal Credit UnionPurchase APR8.75–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
15Gundersen Credit UnionGundersen Credit UnionPurchase APR8.90%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
16Priority First FCU Visa Platinum CardPriority First Federal Credit UnionPurchase APR8.90–15.40%Yearly value$0Intro APRNone: No 0% intro APR stated
17Secured Visa / Credit Builder VisaSummit Credit UnionPurchase APR8.95–16.95%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
18Summit CU Visa PlatinumSummit Credit UnionPurchase APR8.95–16.95%Yearly value$0Intro APRNone: No 0% intro APR stated
19Kings FCU Visa ClassicKings Federal Credit UnionPurchase APR8.95–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
20Greater Pittsburgh Police FCU Classic VisaGreater Pittsburgh Police Federal Credit UnionPurchase APR8.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
21NAE FCU Platinum VisaN A E Federal Credit UnionPurchase APR8.99–16.99%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
22OPFCU VISAOmaha Police Federal Credit UnionPurchase APR8.99–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
23Westlake Black Visa Credit CardStride Bank, National AssociationPurchase APR9.24–35.74%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
24VISA Consumer RewardsLandings Credit UnionPurchase APR9.25–15.25%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR stated
25Siouxland Federal Credit Union Rewards Visa Credit CardSiouxland Federal Credit UnionPurchase APR9.49%Yearly value$0Intro APRNone: No 0% intro APR stated

See all 597 cards, with sorting and an issuer filter Credit card payoff calculator

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge