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. 151AFT+ Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  2. 152ALPA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  3. 153ALPA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  4. 154Altonized Community Federal Credit Union VISA CardAltonized Community Federal Credit UnionYearly value$0 a yearIntro APRNonePurchase APRNot stated
  5. 155American Express® Corporate Purchasing CardAmerican ExpressYearly value$0 a yearIntro APRNonePurchase APRNot stated
  6. 156APWU Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  7. 157APWU Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  8. 158ATU Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  9. 159ATU Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  10. 160BankAmericard® Credit CardBank of AmericaYearly value$0 a yearIntro APRNonePurchase APR15.24–26.24%
  11. 161BankAmericard® Credit Card for StudentsBank of AmericaYearly value$0 a yearIntro APRNonePurchase APR15.24–26.24%
  12. 162BCTGM Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  13. 163BCTGM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  14. 164BECU Low Rate Credit CardBECUYearly value$0 a yearIntro APRNonePurchase APR25.49%
  15. 165Business Visa DocuSignBECUYearly value$0 a yearIntro APRNonePurchase APRNot stated
  16. 166Capital One Platinum Secured credit cardCapital OneYearly value$0 a yearIntro APRNonePurchase APR29.24%
  17. 167BECU Cash Back Credit CardBECUWelcome offer: $200 cash back after $2,000 in 3 monthsYearly value$0 a yearIntro APRNonePurchase APR16.49–25.49%
  18. 168Cash Rewards Visa® Credit CardsTruistYearly value$0 a yearIntro APRNonePurchase APR18.99–27.99%
  19. 169Citi Simplicity® Credit Card - Low Intro APR Credit CardCitiYearly value$0 a yearIntro APR0% for 18 mothen 17.74–28.49%Purchase APR17.74–28.49%
  20. 170Citi® Diamond Preferred® Credit CardCitiYearly value$0 a yearIntro APR0% for 12 mothen 16.74–27.49%Purchase APR16.74–27.49%
  21. 171Citi® Secured Mastercard®CitiYearly value$0 a yearIntro APRNonePurchase APR26.24%
  22. 172Pennsylvania State Employees Cu Classic VisaPennsylvania State Employees CUYearly value$0 a yearIntro APR0% for 6 mothen 12.9%Purchase APR12.90%
  23. 173Consumer Credit CardsSouthwest 66 Credit UnionYearly value$0 a yearIntro APRNonePurchase APR13.49–18.00%
  24. 174CSEA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  25. 175CSEA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  26. 176CWA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  27. 177CWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  28. 178Discover it Cash Back Credit CardDiscoverWelcome offer: $200 cash back after $500 in 3 monthsYearly value$0 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  29. 179Empowerment Credit CardGecu Federal Credit UnionYearly value$0 a yearIntro APRNonePurchase APR11.90–17.90%
  30. 180everBlue Cash Back Plus MastercardBangor Savings BankYearly value$0 a yearIntro APR0% for 6 mothen 0.17–0.25%Purchase APR0.17–0.25%
  31. 181GreenSelect Credit CardFNBOYearly value$0 a yearIntro APR0% for 18 mothen 15.24–25.24%Purchase APR15.24–25.24%
  32. 182HONOR CardPolice Federal Credit UnionYearly value$0 a yearIntro APRNonePurchase APRNot stated
  33. 183IAFF Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  34. 184IAFF Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  35. 185IAM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  36. 186IATSE Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  37. 187IATSE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  38. 188IBB Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  39. 189IBB Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  40. 190IBEW Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  41. 191IBEW Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  42. 192Ironworkers Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  43. 193IUE-CWA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  44. 194IUE-CWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  45. 195IUOE Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNonePurchase APR26.99%
  46. 196IUOE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  47. 197IUPA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  48. 198IUPA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  49. 199IUPAT Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  50. 200L.L.BEAN® MASTERCARD®CitiYearly value$0 a yearIntro APRNonePurchase APR19.74–30.74%

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