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

Sort byIssuer With a welcome offer 107

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.

251State Farm® Good Neighbor Visa®US BankYearly value$0 a yearIntro APR0% for 18 mothen 17.74–27.74%Purchase APR17.74–27.74%
252Synchrony HOME Credit CardSynchronyYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR34.99%
253Synchrony Preferred MastercardSynchronyYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR26.74–33.49%
254TD Business Solutions Credit Card with Unlimited Cash BackTD BankYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR17.74–27.74%
255TD FlexPay Credit CardTD BankYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR17.74–27.74%
256Techron Advantage Visa CardSynchronyWelcome offer: 62 ¢/gal. in Fuel DiscountsYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR33.99%
257The Goodyear Credit CardCitiWelcome offer: $50 cash back after $250 in purchasesYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR33.74%
258The Home Depot® Consumer Credit CardCitiWelcome offer: $100 cash backYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR29.99%
259Toyota Rewards VisaComenity Capital BankYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR19.74–34.24%
260360 FCU Traditional Classic360 Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR3.99%
261Truist Future Visa® Credit CardTruistYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR16.99–25.99%
262TWU Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
263TWU Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
264U.S. Bank Shield® Visa® Credit CardUS BankYearly value$0 a yearIntro APR0% for 21 mothen 17.24–28.24%Purchase APR17.24–28.24%
265UAW Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
266UAW Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
267UFCW Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
268UMWA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR26.99%
269UMWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
270UNITE HERE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
271Upromise® World Mastercard®BarclaysWelcome offer: $200 cash back after $1,000 in purchasesHighest we’ve seen: The highest offer we’ve seen on this cardYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR18.74–29.74%
272USW Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
273USW Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
274VARIABLE RATEUnited Savings Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR12.25–21.25%
275Ravenswood FCU VISARavenswood Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR12.90%
276Westmark CU Visa Cash RewardsWestmark Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR14.75–18.75%
277Matanuska Valley FCU Visa ClassicMatanuska Valley Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.00–14.00%
278America First FCU Visa Classic Standard RateAmerica First Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR14.99–18.00%
279Allegius FCU Visa Credit CardAllegius Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR9.95–17.95%
280VISA Low-Rate VariableCyprus Federal Credit UnionYearly value$0 a yearIntro APR0% for 6 mothen 10.49–18%Purchase APR10.49–18.00%
281Central Willamette CU Visa PlatinumCentral Willamette Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR10.24–21.75%
282Champion CU Visa PlatinumChampion Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR10.00–14.00%
283Down East CU Visa PlatinumDown East Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.90–17.90%
284Idaho Central CU Visa PlatinumIdaho Central Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.24–24.00%
285Maui County FCU Visa PlatinumMaui County Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR7.00–17.50%
286Summit CU Visa PlatinumSummit Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR8.95–16.95%
287Unison CU Visa PlatinumUnison Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR9.99%
288Priority First FCU Visa Platinum CardPriority First Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR8.90–15.40%
289Alliant CU Visa Platinum Credit CardAlliant Credit UnionYearly value$0 a yearIntro APR0% for 12 mothen 25.74%Purchase APR25.74%
290Hills Bank And Trust Company Visa Platinum Credit CardHills Bank And Trust CompanyYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.75–15.75%
291Mirastar FCU Visa Platinum Credit CardMirastar Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR14.99%
292Kirtland FCU VISA PLATINUM LOW RATEKirtland Federal Credit UnionYearly value$0 a yearIntro APR0% for 12 mothen 9.75–16.5%Purchase APR9.75–16.50%
293Tucson FCU Visa Platinum Preferred Credit CardTucson Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR14.00–16.75%
294Iq CU Visa Platinum RewardsIq Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
295Grow Financial FCU Visa PreferredGrow Financial Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR10.49–17.99%
296Visa PremiumFirst Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
297Westmark CU Visa RewardsWestmark Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR16.24–20.24%
298Meridian Trust FCU VISA REWARDSMeridian Trust Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR12.00%
299Visa SummitOn Tap Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
300Usf FCU Visa TraditionalUsf Federal Credit UnionWelcome offer: $125 cash back after $1,500 in purchasesYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.99–17.99%

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