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. 101USW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  2. 102Educators CU Visa SignatureEducators Credit UnionYearly value$450 a yearIntro APRNonePurchase APR14.25–21.25%
  3. 103Working America Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  4. 104Bank of America® Customized Cash Rewards Credit Card for StudentsBank of AmericaWelcome offer: $200 cash back after $1,000 in 3 monthsYearly value$435 a yearIntro APRNonePurchase APR17.74–27.74%
  5. 105US Bank Premier Cash Rewards Visa Signature CardUS BankWelcome offer: $150 cash back after $500 in 3 monthsYearly value$430 a yearIntro APRNonePurchase APR17.74–30.74%
  6. 106Kohl's CardCapital OneYearly value$420 a yearIntro APRNonePurchase APR29.99–30.24%
  7. 107Triple Cash Rewards Visa® Business Credit CardUS BankWelcome offer: $750 cash back after $6,000 in 6 monthsYearly value$420 a yearIntro APR0% for 12 mothen 17.49–26.49%Purchase APR17.49–26.49%
  8. 108Venmo Visa CardSynchronyYearly value$410 a yearIntro APRNonePurchase APR18.74–31.24%
  9. 109Sunmark CU Signature CardSunmark Credit UnionYearly value$375 a yearIntro APRNonePurchase APR13.49–20.49%
  10. 110AARP® Travel Rewards Mastercard® from BarclaysBarclaysWelcome offer: $100 cash back after $500 in 3 monthsYearly value$370 a yearIntro APRNonePurchase APR20.49–29.99%
  11. 111Venmo Visa Signature CardSynchronyYearly value$370 a yearIntro APRNonePurchase APR18.74–31.24%
  12. 112Amazon Visa Credit CardChaseWelcome offer: $50 Amazon Gift CardYearly value$360 a yearIntro APRNonePurchase APR18.99–27.74%
  13. 113Ink Business Cash Credit CardChaseWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$360 a yearIntro APR0% for 12 mothen 16.99–24.99%Purchase APR16.99–24.99%
  14. 114Instacart Credit CardChaseWelcome offer: 50 Instacart creditOnce per 24 monthsYearly value$360 a yearIntro APRNonePurchase APR18.49–27.99%
  15. 115Prime Visa Credit CardChaseWelcome offer: $150 Amazon Gift CardYearly value$360 a yearIntro APRNonePurchase APR18.99–27.74%
  16. 116AARP® Essential Rewards Mastercard® from BarclaysBarclaysWelcome offer: $100 cash back after $500 in 3 monthsYearly value$350 a yearIntro APRNonePurchase APR20.49–29.99%
  17. 117Discover it Student Chrome Credit CardDiscoverYearly value$340 a yearIntro APR0% for 6 mothen 16.74–25.74%Purchase APR16.74–25.74%
  18. 118Gas & Restaurant Credit CardDiscoverYearly value$340 a yearIntro APR0% for 15 mothen 17.74–26.74%Purchase APR17.74–26.74%
  19. 119Business Advantage Cash Rewards Credit Card with 3% Choice CategoryBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsYearly value$335 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  20. 120Business Advantage Customized Cash Rewards credit cardBank of AmericaYearly value$335 a yearIntro APRNonePurchase APRNot stated
  21. 121Apple CardAppleYearly value$300 a yearIntro APRNonePurchase APR17.74–27.99%
  22. 122US Bank Cash+ Secured Visa Cash Back Credit CardUS BankYearly value$300 a yearIntro APRNonePurchase APRNot stated
  23. 123cashRewards Secured Credit CardNavy FederalYearly value$300 a yearIntro APRNonePurchase APR18.00%
  24. 124Credit Card AgreementUniversity Of Kentucky Federal Credit UnionYearly value$300 a yearIntro APRNonePurchase APR10.74–18.00%
  25. 125CU Hawaii Classic/Gold/Platinum MasterCardCU Hawaii Federal Credit UnionYearly value$300 a yearIntro APRNonePurchase APR11.00–17.25%
  26. 126Discover it Balance Transfer Credit CardDiscoverYearly value$300 a yearIntro APR0% for 6 mothen 17.74–26.74%Purchase APR17.74–26.74%
  27. 127Discover it Student Cash Back CardDiscoverYearly value$300 a yearIntro APR0% for 6 mothen 16.74–25.74%Purchase APR16.74–25.74%
  28. 128Disney Card from ChaseChaseWelcome offer: Mixed: $100 Disney Gift Card eGift and $50 statement credit after $500 in 3 monthsOnce per 24 monthsYearly value$300 a yearIntro APRNonePurchase APR18.49–27.99%
  29. 129MauiFed VISA PlatinumMaui Federal Credit UnionYearly value$300 a yearIntro APRNonePurchase APR12.15–18.00%
  30. 130MyWalgreens MastercardSynchronyYearly value$300 a yearIntro APRNonePurchase APR24.99–34.74%
  31. 131NHL Discover CardDiscoverYearly value$300 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  32. 132Premio Mastercard®FNBOWelcome offer: 5,000 points after $20,000 in purchasesYearly value$300 a yearIntro APRNonePurchase APR23.74–24.24%
  33. 133Spark ClassicCapital OneYearly value$300 a yearIntro APRNonePurchase APR29.24%
  34. 134U.S. Bank Cash+ Visa Signature® CardUS BankWelcome offer: $200 cash back after $1,000 in 3 monthsYearly value$300 a yearIntro APR0% for 15 mothen 17.99–28.24%Purchase APR17.99–28.24%
  35. 135United Bank Visa PlatinumUnited BankYearly value$300 a yearIntro APRNonePurchase APR5.99%
  36. 136Visa Rewards, Visa, Buff One VisaElevations Credit UnionWelcome offer: 25,000 points after $1,000 in 3 monthsOnce per 24 monthsYearly value$300 a yearIntro APR0% for 12 mothen 11.74–21%Purchase APR11.74–21.00%
  37. 137Bank of America® Secured Travel Rewards Credit CardBank of AmericaYearly value$270 a yearIntro APRNonePurchase APR27.74%
  38. 138Bank of America® Travel Rewards Credit CardBank of AmericaWelcome offer: 25,000 points after $1,000 in purchasesYearly value$270 a yearIntro APRNonePurchase APR17.74–27.74%
  39. 139Business Advantage Travel Rewards World Mastercard®Bank of AmericaWelcome offer: 50,000 online points after $5,000 in 3 monthsYearly value$270 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  40. 140Ollo Select Rewards MastercardMerrick BankYearly value$250 a yearIntro APR0% for 12 mothen 29.49–29.74%Purchase APR29.49–29.74%
  41. 141Blue Business® Plus Credit CardAmerican ExpressYearly value$180 a yearIntro APRNonePurchase APRNot stated
  42. 142Credit One Bank Platinum Rewards Visa® with No Annual FeeCredit OneYearly value$95 a yearIntro APRNonePurchase APR28.74–30.49%
  43. 143Credit One Bank Secured CardCredit OneYearly value$95 a yearIntro APRNonePurchase APR28.74–30.49%
  44. 144AFA-CWA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  45. 145AFA-CWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  46. 146AFGE Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  47. 147AFGE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  48. 148AFM Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  49. 149AFM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  50. 150AFSCME Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%

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