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. 501Simple Visa CardForcht Bank, National AssociationYearly valueNot countedIntro APR0% for 5 mothen 13.75–17.75%Purchase APR13.75–17.75%
  2. 502SMART Credit CardOrlando Credit UnionYearly valueNot countedIntro APRNonePurchase APR13.24–18.00%
  3. 503Smart Rewards CardBellwether Community Credit UnionWelcome offer: 5,000 points after $1,000 in purchasesYearly valueNot countedIntro APRNonePurchase APR14.99–25.24%
  4. 504Southern Security Rewards VISASouthern Security Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR13.75–18.00%
  5. 505Sportsman's Guide Buyer's Club Rewards VisaeComenity BankYearly valueNot countedIntro APRNonePurchase APR35.99%
  6. 506Sportsman's Warehouse Explorewards VisaComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR29.49–34.24%
  7. 507Del-One FCU Student Rewards VisaDel-One Federal Credit UnionYearly valueNot countedIntro APR0% for 6 mothen 13.25–18%Purchase APR13.25–18.00%
  8. 508SunWest MasterCardSunwest Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APRNot stated
  9. 509T-Mobile Visa Credit CardCapital OneYearly valueNot countedIntro APRNonePurchase APR18.99–29.24%
  10. 510Talbots World MastercardComenity BankYearly valueNot countedIntro APRNonePurchase APR35.99%
  11. 511Target Circle MastercardTD BankYearly valueNot countedIntro APRNonePurchase APR28.45–28.95%
  12. 512TD Cash Credit CardTD BankWelcome 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%
  13. 513TD Double Up Credit CardTD BankYearly valueNot countedIntro APRNonePurchase APR18.74–28.74%
  14. 514Teamsters Primary Access - InternetCapital OneYearly valueNot countedIntro APRNonePurchase APR27.24–27.49%
  15. 515Teamsters Rate Advantage - InternetCapital OneYearly valueNot countedIntro APR0% for 15 mothen 14.9–25.15%Purchase APR14.90–25.15%
  16. 516The Barnes & Noble Mastercard®BarclaysWelcome offer: $25 Barnes & Noble Gift CardYearly valueNot countedIntro APRNonePurchase APR17.74–29.74%
  17. 517The Key Rewards VisaCapital OneYearly valueNot countedIntro APRNonePurchase APR29.49%
  18. 518The One Key® Card No Annual Fee Credit CardWells FargoWelcome offer: 250 OneKeyCash after $2,000 in 3 monthsOnce per 48 months on this card familyYearly valueNot countedIntro APRNonePurchase APR18.49–28.49%
  19. 519The Restaurant Store Visa® CardFNBOWelcome offer: 5,000 pointsYearly valueNot countedIntro APRNonePurchase APR26.74–27.24%
  20. 520Tidemark FCU Visa PlatinumTidemark Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.50–18.00%
  21. 521TJX Rewards Platinum MastercardSynchronyYearly valueNot countedIntro APRNonePurchase APR30.74–31.24%
  22. 522Pennsylvania Central FCU TraditionalPennsylvania Central Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.90%
  23. 523TRU FCU Credit CardTru Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR7.99–15.99%
  24. 524U.S. Bank Altitude® Connect Visa Signature® CardUS BankWelcome offer: 20,000 Points after $1,000 in 3 monthsOnce per 60 monthsYearly valueNot countedIntro APR0% for 15 moPurchase APRNot stated
  25. 525Ulta Beauty Rewards MastercardComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR23.34–32.75%
  26. 526Union Plus Primary Access - InternetCapital OneYearly valueNot countedIntro APRNonePurchase APR27.24–27.49%
  27. 527Union Plus Rate Advantage - InternetCapital OneYearly valueNot countedIntro APR0% for 15 mothen 14.9–27.49%Purchase APR14.90–27.49%
  28. 528United Bank Endeavor CardUnited BankYearly valueNot countedIntro APRNonePurchase APR11.49–19.49%
  29. 529United Bank Right Start Endeavor CardUnited BankYearly valueNot countedIntro APRNonePurchase APR21.49%
  30. 530United Gateway CardChaseWelcome offer: 50,000 miles after $1,000 in 3 monthsMatches its bestOnce per 24 monthsYearly valueNot countedIntro APR0% for 12 mothen 19.99–28.49%Purchase APR19.99–28.49%
  31. 531Unity™ by Hard Rock MastercardComenity Capital BankYearly valueNot countedIntro APRNonePurchase APR17.74–32.24%
  32. 532Universal Rewards Visa SignatureFNBOYearly valueNot countedIntro APRNonePurchase APR21.49–28.99%
  33. 533VentureOne RewardsCapital OneWelcome offer: 20,000 miles after $500 in 3 monthsOnce per 48 months on this card familyYearly valueNot countedIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  34. 534VentureOne Rewards for Good CreditCapital OneYearly valueNot countedIntro APRNonePurchase APR29.24%
  35. 535Verizon Visa Signature CardSynchronyYearly valueNot countedIntro APRNonePurchase APR22.49–33.74%
  36. 536Victoria's Secret MastercardComenity BankYearly valueNot countedIntro APRNonePurchase APR35.99%
  37. 537Rhode Island CU VisaRhode Island Credit UnionWelcome offer: 10,000 ScoreCard points after $1,000 in 3 monthsYearly valueNot countedIntro APRNonePurchase APRNot stated
  38. 538Chiropractic FCU VISAChiropractic Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.90%
  39. 539VISA AdvantageJovia Financial Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.49–17.99%
  40. 540Coloramo FCU Visa ClassicColoramo Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR16.49%
  41. 541Kings FCU Visa ClassicKings Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR8.95–18.00%
  42. 542Park City CU Visa ClassicPark City Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.00–18.00%
  43. 543Southern CU Visa ClassicSouthern Credit Union, TheYearly valueNot countedIntro APRNonePurchase APR11.90%
  44. 544Tlcu Financial Visa ClassicTlcu FinancialYearly valueNot countedIntro APRNonePurchase APR10.00–21.00%
  45. 545Illinois Educators CU VISA ClassicIllinois Educators Credit UnionYearly valueNot countedIntro APRNonePurchase APR14.90%
  46. 546Bluestone FCU Visa Classic Credit CardBluestone Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR10.25–15.25%
  47. 547VISA Consumer Credit CardNorth Country Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR6.45–16.95%
  48. 548VISA Consumer RewardsLandings Credit UnionYearly valueNot countedIntro APRNonePurchase APR9.25–15.25%
  49. 549Eastrise FCU Visa Credit CardEastrise Federal Credit UnionYearly valueNot countedIntro APRNonePurchase APR11.00–18.00%
  50. 550United Consumers CU Visa Credit CardUnited Consumers Credit UnionYearly valueNot countedIntro APRNonePurchase APR12.24–26.24%

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