RateHerald

The full list

All no annual fee cards

All 597 cards on the list, to sort and filter. The list page shows the top of each ranking.

Checked Oct 12, 2026

Sorted by Yearly cash value after the first year for our typical spender (rewards and credits minus fees), highest first. Counts only cash back and points the issuer prices in cents; cards whose rewards we can’t count, or whose points have no stated cash value, come last.

  1. 1CareCredit MastercardSynchronyYearly value$710 a yearIntro APRNonePurchase APR32.99%
  2. 2Citizens Summit World MastercardCitizensYearly value$610 a yearIntro APRNonePurchase APR17.99%
  3. 3Wells Fargo Cash Back Credit CardWells FargoWelcome offer: $100 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$600 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  4. 4Credit One Bank Omni Rewards American Express® CardCredit OneWelcome offer: $200 cash back after $1,000 in 6 monthsYearly value$600 a yearIntro APRNonePurchase APR29.99–30.49%
  5. 5Evergreen Credit CardFNBOYearly value$600 a yearIntro APRNonePurchase APR19.74–28.24%
  6. 6Evergreen® Business Edition® Credit CardFNBOYearly value$600 a yearIntro APR0% for 6 mothen 17.49–28.24%Purchase APR17.49–28.24%
  7. 7Personal Credit CardHoosier Heartland State BankYearly value$600 a yearIntro APRNonePurchase APRNot stated
  8. 8Platinum Visa Card with and without Rewards.1st Community Federal Credit UnionYearly value$600 a yearIntro APRNonePurchase APRNot stated
  9. 9U.S. Bank Business Essentials Visa® CardUS BankWelcome offer: 50,000 points after $5,000 in purchasesYearly value$600 a yearIntro APRNonePurchase APRNot stated
  10. 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%
  11. 11Navy Federal More Rewards American Express® CardNavy FederalWelcome offer: 20,000 points after $2,000 in 3 monthsYearly value$565 a yearIntro APRNonePurchase APR14.15–18.00%
  12. 12Savor RewardsCapital OneWelcome offer: $200 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$515 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  13. 13Savor Rewards for Good CreditCapital OneYearly value$515 a yearIntro APRNonePurchase APR29.24%
  14. 14Savor Student Credit CardCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 monthsYearly value$515 a yearIntro APRNonePurchase APR18.74–28.74%
  15. 15Chase Freedom Unlimited Credit CardChaseWelcome offer: $200 cash back after $500 in 3 monthsOnce per 24 monthsYearly value$505 a yearIntro APR0% for 15 mothen 18.49–27.99%Purchase APR18.49–27.99%
  16. 16U.S. Bank Altitude® Go Secured Visa® CardUS BankYearly value$505 a yearIntro APRNonePurchase APRNot stated
  17. 17U.S. Bank Altitude® Go Visa Credit CardUS BankWelcome offer: 20,000 Points after $1,000 in purchasesOnce per 60 monthsYearly value$505 a yearIntro APR0% for 15 mothen 17.74–27.74%Purchase APR17.74–27.74%
  18. 18Ollo Rewards+ for Educators MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  19. 19Ollo Rewards+ for Nurses MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  20. 20Nih FCU Visa Platinum CardNih Federal Credit UnionYearly value$490 a yearIntro APRNonePurchase APR11.99–16.99%
  21. 21Cash Rewards Secured Credit Card from Bank of AmericaBank of AmericaYearly value$480 a yearIntro APRNonePurchase APR27.74%
  22. 22Blue Cash Everyday® CardAmerican ExpressYearly value$470 a yearIntro APRNonePurchase APR19.74–28.74%
  23. 23Trugrocer FCU Visa ClassicTrugrocer Federal Credit UnionWelcome offer: 100 cashback after $500 in purchasesYearly value$470 a yearIntro APRNonePurchase APR16.90%
  24. 24VISA PLATINUM CASH REBATEKirtland Federal Credit UnionYearly value$460 a yearIntro APRNonePurchase APRNot stated
  25. 25Our Best Rewards Credit CardWells FargoWelcome offer: 20,000 points after $1,000 in 3 monthsOnce per 48 monthsYearly value$455 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  26. 26Susan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of AmericaWelcome offer: $200 cash back after $1,000 in 3 monthsYearly value$455 a yearIntro APRNonePurchase APR17.74–27.74%
  27. 27AFA-CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  28. 28AFGE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  29. 29AFM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  30. 30AFSCME Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  31. 31AFSCME Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  32. 32AFT+ Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  33. 33AFT+ Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  34. 34ALPA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  35. 35APL FCU CLASSIC VISA CARDApl Federal Credit UnionYearly value$450 a yearIntro APRNonePurchase APR6.49–18.00%
  36. 36APWU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  37. 37ATU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  38. 38Bank of America® Travel Rewards Credit Card for StudentsBank of AmericaWelcome offer: 25,000 points after $1,000 in 3 monthsHighest we’ve seenYearly value$450 a yearIntro APRNonePurchase APR17.74–27.74%
  39. 39Bank of America® Unlimited Cash Rewards Credit CardBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsYearly value$450 a yearIntro APRNonePurchase APR17.74–27.74%
  40. 40Bank of America® Unlimited Cash Rewards Credit Card for StudentsBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsYearly value$450 a yearIntro APRNonePurchase APR17.74–27.74%
  41. 41Bank of America® Unlimited Cash Rewards Secured Credit CardBank of AmericaYearly value$450 a yearIntro APRNonePurchase APR27.74%
  42. 42BCTGM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  43. 43Business Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsYearly value$450 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  44. 44Business Advantage Unlimited Cash Rewards Secured Business Credit CardBank of AmericaYearly value$450 a yearIntro APRNonePurchase APR26.99%
  45. 45BECU Business Cash Back Credit CardBECUWelcome offer: $300 cash back after $3,000 in 3 monthsOnce per 12 monthsYearly value$450 a yearIntro APRNonePurchase APR17.24%
  46. 46BECU Business Low Rate Credit CardBECUYearly value$450 a yearIntro APRNonePurchase APR14.74%
  47. 47Capital Credit Union VISA Credit CardCapital Credit UnionYearly value$450 a yearIntro APRNonePurchase APR15.49–27.49%
  48. 48Regions Cash Rewards Credit CardRegionsWelcome offer: $100 cash back after $500 in 3 monthsWas $200Yearly value$450 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  49. 49Chase Freedom Rise Credit CardChaseWelcome offer: $25 USD statement creditOnce per 24 monthsYearly value$450 a yearIntro APRNonePurchase APR18.49–27.99%
  50. 50CSEA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%

Values are estimates for our typical spender ($2,500 a month) from each card’s published terms, not advice. “Needs $… a month” marks a bonus whose spending requirement is above that pace. We sort by the measure you pick and nothing else; no link here pays us. How we value cards