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. 51CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  2. 52IAFF Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  3. 53IAM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  4. 54IAM Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  5. 55IATSE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  6. 56IBB Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  7. 57IBEW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  8. 58Ink Business Unlimited Credit CardChaseWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$450 a yearIntro APR0% for 12 mothen 16.99–24.99%Purchase APR16.99–24.99%
  9. 59Ironworkers Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  10. 60Ironworkers Primary Access Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  11. 61IUE-CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  12. 62IUOE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  13. 63IUPA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  14. 64IUPAT Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  15. 65IUPAT Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  16. 66Launch VisaWhatcom Educational Credit UnionWelcome offer: 5,000 pointsYearly value$450 a yearIntro APRNonePurchase APR14.24–21.24%
  17. 67NALC Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  18. 68NATCA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  19. 69NNU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  20. 70NNU Rate Advantage Credit CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  21. 71NPMHU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  22. 72NPMHU Rate Advantage Credit CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  23. 73OnePay Cash Rewards World MastercardSynchronyWelcome offer: 35 OnePay PointsYearly value$450 a yearIntro APRNonePurchase APR20.49–31.49%
  24. 74OPEIU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  25. 75PayPal Cashback MastercardSynchronyYearly value$450 a yearIntro APRNonePurchase APR18.49–33.24%
  26. 76Quicksilver Cash Back Rewards CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  27. 77Quicksilver Rewards for Good CreditCapital OneYearly value$450 a yearIntro APRNonePurchase APR29.24%
  28. 78Quicksilver Secured RewardsCapital OneYearly value$450 a yearIntro APRNonePurchase APR29.24%
  29. 79Quicksilver StudentCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 monthsYearly value$450 a yearIntro APRNonePurchase APR18.74–28.74%
  30. 80REI Co-op Mastercard Credit CardCapital OneWelcome offer: $100 REI gift cardOnce per 48 monthsYearly value$450 a yearIntro APRNonePurchase APR17.74–28.74%
  31. 81SchoolsFirst Rewards MastercardSchoolsFirstWelcome offer: 10,000 pointsYearly value$450 a yearIntro APRNonePurchase APR13.50–17.90%
  32. 82School Employee MastercardSchoolsFirstYearly value$450 a yearIntro APRNonePurchase APR10.25–17.90%
  33. 83SEIUSM Rewards Visa® CardFNBOWelcome offer: $100 USD statement credit after $500 in purchasesYearly value$450 a yearIntro APRNonePurchase APR22.49–28.99%
  34. 84SMART Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  35. 85Spark 1.5% Cash SelectCapital OneWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$450 a yearIntro APR0% for 9 mothen 16.99–26.99%Purchase APR16.99–26.99%
  36. 86Teamsters Cash RewardsCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.9–26.99%Purchase APR16.90–26.99%
  37. 87Teamsters Direct Mail - Mainstreet (Non-Teaser)Capital OneYearly value$450 a yearIntro APRNonePurchase APR27.24–27.49%
  38. 88Teamsters Direct Mail - Mainstreet (Teaser)Capital OneYearly value$450 a yearIntro APR0% for 9 mothen 27.24–27.49%Purchase APR27.24–27.49%
  39. 89Teamsters Direct Mail - UpmarketCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 20.9–25.15%Purchase APR20.90–25.15%
  40. 90TWU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  41. 91UAW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  42. 92UFCW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  43. 93UFCW Primary Access Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  44. 94UMWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  45. 95Union Plus Cash RewardsCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.99–28.99%Purchase APR16.99–28.99%
  46. 96Union Plus Direct Mail - Mainstreet (Non-Teaser)Capital OneYearly value$450 a yearIntro APRNonePurchase APR27.24–27.49%
  47. 97Union Plus Direct Mail - Mainstreet (Teaser)Capital OneYearly value$450 a yearIntro APR0% for 9 mothen 27.24–27.49%Purchase APR27.24–27.49%
  48. 98Union Plus Direct Mail - UpmarketCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 20.9–25.15%Purchase APR20.90–25.15%
  49. 99UNITE HERE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  50. 100UNITE HERE Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%

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