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. 451Alcoa Community FCU Platinum VisaAlcoa Community Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR7.99–15.99%
  2. 452CU For All Platinum Visa Credit CardCredit Union For All, TheYearly valueNot countedIntro APRNonePurchase APR9.99–10.99%
  3. 453Rivermark Community CU Platinum, Cash Back, Secured CardRivermark Community Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  4. 454PlayStation VisaComenity BankYearly valueNot countedIntro APRNonePurchase APR17.74–32.24%
  5. 455PNC Secured Credit CardPNCYearly valueNot countedIntro APRNonePurchase APR24.24–26.24%
  6. 456Pottery Barn Key Rewards VisaCapital OneYearly valueNot countedIntro APR0% for 12 mothen 29.49%Purchase APR29.49%
  7. 457USAA Preferred Cash Rewards Visa Signature® Credit CardUSAAYearly valueNot countedIntro APRNonePurchase APR15.90–27.90%
  8. 458Texans CU Premier Rewards CardTexans Credit UnionWelcome offer: 40,000 points after $2,000 in purchasesYearly valueNot countedIntro APRNonePurchase APR13.65–17.99%
  9. 459Greenwood CU Premier Visa Credit Card & Premier Visa Secured Credit CardGreenwood Credit UnionYearly valueNot countedIntro APRNonePurchase APR12.49–21.00%
  10. 460Prestige Credit CardRegionsWelcome offer: $200 cash back after $1,000 in 3 monthsYearly valueNot countedIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  11. 461Pro Xtra Credit CardCitiWelcome offer: $100 cash backYearly valueNot countedIntro APRNonePurchase APRNot stated
  12. 462Proponent VisaProponent Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.50–18.00%
  13. 463Ravalli County Federal Credit Union Visa ClassicRavalli County Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.90%
  14. 464RCI® Elite Rewards® World Mastercard®BarclaysWelcome offer: 5,000 RewardsYearly valueNot countedIntro APRNonePurchase APR19.49–29.74%
  15. 465Police FCU Rewards CardPolice Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  16. 466Gecu FCU Rewards Credit CardGecu Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR14.74–17.90%
  17. 467Oklahoma'S CU Rewards Credit CardOklahoma’s Credit UnionYearly valueNot countedIntro APRNonePurchase APR13.49–17.99%
  18. 468Rewards Credit CardsSouthwest 66 Credit UnionYearly valueNot countedIntro APRNonePurchase APR14.49–17.24%
  19. 469Rewards MCSunwest Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  20. 470Tcm Bank Rewards PlatinumTcm Bank, National AssociationYearly valueNot countedIntro APR0% for 12 mothen 16.74–26.74%Purchase APR16.74–26.74%
  21. 471Del-One FCU Rewards VisaDel-One Federal Credit UnionYearly valueNot countedIntro APR0% for 6 mothen 13.25–18%Purchase APR13.25–18.00%
  22. 472Ross MastercardComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR30.74–31.24%
  23. 473Royal ONE™ Visa Signature® Credit CardBank of AmericaWelcome offer: 30,000 points after $1,500 in 3 monthsYearly valueNot countedIntro APRNonePurchase APR17.74–27.74%
  24. 474Runnings Mastercard®FNBOYearly valueNot countedIntro APRNonePurchase APR26.49–26.99%
  25. 475RVCU Credit CardRiver Valley Credit UnionYearly valueNot countedIntro APRNonePurchase APR7.50–11.50%
  26. 476Sacramento Credit Union Platinum, Platinum Rewards and Secured VisaSacramento Credit UnionYearly valueNot countedIntro APR0% for 6 mothen 11.5–21.4%Purchase APR11.50–21.40%
  27. 477Sage Business Enhanced Visa® Credit CardRegionsWelcome offer: $300 cash back after $3,000 in 3 monthsYearly valueNot countedIntro APR0% for 12 mothen 16.24–26.24%Purchase APR16.24–26.24%
  28. 478Saks World Elite MastercardComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR31.74–32.24%
  29. 479Sam's World Elite MastercardSynchronyYearly valueNot countedIntro APRNonePurchase APR20.40–28.65%
  30. 480Scheels® Visa® CardFNBOWelcome offer: 1,500 pointsYearly valueNot countedIntro APRNonePurchase APR26.49–26.99%
  31. 481ScoreRewards MastercardSynchronyYearly valueNot countedIntro APRNonePurchase APR30.74–30.99%
  32. 482Secure Classic360 Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  33. 483Carolina Cooperative FCU SecuredCarolina Cooperative Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  34. 484Secured Chime Visa Credit CardStride Bank, National AssociationYearly valueNot countedIntro APRNonePurchase APRNot stated
  35. 485Sunwest FCU Secured MasterCardSunwest Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  36. 486Jonah Bank Of Wyoming Secured PlatinumJonah Bank Of WyomingYearly valueNot countedIntro APRNonePurchase APR16.25%
  37. 487Avadian CU Secured VisaAvadian Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  38. 488Secured Visa / Credit Builder VisaSummit Credit UnionYearly valueNot countedIntro APRNonePurchase APR8.95–16.95%
  39. 489US Bank Secured Visa® Credit CardUS BankYearly valueNot countedIntro APRNonePurchase APRNot stated
  40. 490SEIUSM Platinum Edition® Visa® CardFNBOYearly valueNot countedIntro APR0% for 6 mothen 15.49–25.99%Purchase APR15.49–25.99%
  41. 491Carolina Cooperative FCU SelectCarolina Cooperative Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  42. 492Mid American CU Select Gold VisaMid American Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.90%
  43. 493Langley FCU Select VisaLangley Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR10.50–18.00%
  44. 494Mid American CU Select VisaMid American Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.90%
  45. 495Sephora VisaComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR23.34–32.75%
  46. 496Share Secured Credit CardsSouthwest 66 Credit UnionYearly valueNot countedIntro APRNonePurchase APR13.49–14.24%
  47. 497Premier America CU Signature MastercardPremier America Credit UnionWelcome offer: 20,000 Reward Points after $2,000 in 3 monthsYearly valueNot countedIntro APRNonePurchase APR11.99–24.99%
  48. 498Associated Healthcare CU Signature RewardsAssociated Healthcare Credit UnionYearly valueNot countedIntro APRNonePurchase APR14.49–17.99%
  49. 499Avadian CU Signature VisaAvadian Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  50. 500One Nevada CU Signature VisaOne Nevada Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.75–20.75%

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