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.

301Working America Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
302Working America Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
303WyHy Visa PlatinumWyhy Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR11.90–16.90%
304WyHy Visa SecuredWyhy Federal Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR18.00%
305Xtreme Rewards Credit CardOrlando Credit UnionYearly value$0 a yearIntro APRNone: No 0% intro APR statedPurchase APR15.74–18.00%
306Mid American CU 14.9% Share Secured VisaMid American Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR14.90%
3073Rivers Mastercard Credit CardThree Rivers Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR14.95–18.00%
308Mid American CU 9.9% Share Secured VisaMid American Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR9.90%
309AAA Daily Advantage Visa SignatureComenity Capital BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR17.74–32.24%
310AAA Travel Advantage Visa SignatureComenity Capital BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR17.74–32.24%
311ABFCU Classic Credit cardsArkansas Best Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR10.00–18.00%
312Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR14.24–16.24%
313AEO, Inc. Visa CardSynchronyYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR33.49–33.99%
314Align VisaAlign Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR11.75–16.75%
315AmazonChaseWelcome offer: $150 Amazon Gift CardYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR18.99–27.74%
316American Airlines AAdvantage® MileUp CardCitiWelcome offer: 15,000 AAdvantage miles after $500 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.74–29.74%
317Amtrak Guest Rewards® Mastercard®FNBOWelcome offer: 15,000 points after $1,000 in purchasesYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR26.74–27.24%
318Anchor & Anchor Secured VisaLighthouse Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR12.49%
319Ann Taylor MastercardComenity BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR35.99%
320AT&T Points Plus® Card from CitiCitiWelcome offer: $200 statement credit after $1,000 in 3 monthsYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.74–27.74%
321Athleta Encore Mastercard®BarclaysYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR33.49%
322Atwoods Rewards Mastercard®FNBOYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR26.49–30.49%
323Banana Republic Encore Mastercard®BarclaysYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR33.49%
324Bass Pro Shops CLUB Credit CardCapital OneWelcome offer: 75 CLUB Points after $25 in purchasesHighest we’ve seen: The highest offer we’ve seen on this cardOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
325Belk Rewards MastercardSynchronyYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR34.99%
326Best Friends Credit CardCredit OneYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR28.74–29.49%
327Bilt Palladium Blue CardBiltWelcome offer: 50,000 Bilt Points after $4,000 in 3 monthsYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
328BJ’s One® Credit CardCapital OneYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR18.99–29.24%
329Blain's Farm and Fleet Rewards MasterCard®FNBOYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR25.24–25.74%
330BluCurrent Classic CardBlucurrent Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR13.90%
331BluCurrent Platinum CardBlucurrent Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR9.90%
332Blue CardBiltYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
333Bread Cashback American ExpressComenity Capital BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.24–34.24%
334Bread Rewards™ American Express®Comenity BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.24–34.24%
335Truist Business Cash Rewards Credit CardTruistWelcome offer: $300 cash back after $3,000 in 3 monthsYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 9 mothen 17.99–26.99%Purchase APR17.99–26.99%
336Sunmark CU Business CreditSunmark Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR16.49–20.49%
337Business Essentials™ Visa® CardUS BankWelcome offer: 50,000 Points after $5,000 in purchasesYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
338360 FCU Business Rewards360 Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
339Del-One FCU Business VisaDel-One Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR15.90%
340Cabela's CLUB Credit CardCapital OneWelcome offer: 75 CLUB Points after $25 in purchasesHighest we’ve seen: The highest offer we’ve seen on this cardOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.74–31.24%
341Caesars Rewards VisaComenity BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR19.74–34.24%
342Capital One VentureOne BusinessCapital OneWelcome offer: 50,000 milesYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR16.99–22.99%
343Carnival Rewards™ Mastercard®BarclaysWelcome offer: 20,000 points after $1,000 in 3 monthsYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 mothen 18.74–29.74%Purchase APR18.74–29.74%
344Dakotaland FCU Cash Back VISADakotaland Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR9.90–17.90%
345PNC Cash Rewards Visa Credit CardPNCYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR18.99%
346Century Bank Consumer VisaCentury BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated
347Chase Freedom Flex Credit CardChaseWelcome offer: $250 cash back after $500 in 3 monthsOnce per 24 months: The issuer’s rule on getting the bonus again: check when you canYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 15 mothen 18.49–27.99%Purchase APR18.49–27.99%
348Chase Slate Credit CardChaseYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 21 mothen 18.49–28.49%Purchase APR18.49–28.49%
349Chase Slate Edge Credit CardChaseYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APR29.24%
350Chime Cash Rewards Visa Credit CardStride Bank, National AssociationYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APRNone: No 0% intro APR statedPurchase APRNot stated: Purchase APR not stated

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