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.

351Choice Privileges MastercardWells FargoWelcome offer: 40,000 Choice Privileges points after $1,000 in 3 monthsWas 60,000: Below the best offer we’ve seen on this card: 60,000Once per 15 months on this card family: 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 APR19.24–28.49%
352Citi Double Cash® Credit CardCitiWelcome offer: $200 cash back after $1,500 in 6 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 APR18.49–28.74%
353Citi Strata℠ CardCitiWelcome offer: 20,000 ThankYou Points after $1,000 in 3 monthsOnce per lifetime on this card family: 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 18.74–28.74%Purchase APR18.74–28.74%
354Carolina Cooperative FCU ClassicCarolina Cooperative 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
355Florida West Coast CU Classic CardFlorida West Coast 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
356Greater Pittsburgh Police FCU Classic VisaGreater Pittsburgh Police 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 APR8.99%
357CU For All Classic Visa Credit CardCredit Union For All, TheYearly 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 APR15.99–19.99%
358CLUB Business Credit CardCapital OneWelcome offer: 75 CLUB Points after $1,000 in 2 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
359Commercial Rewards Credit CardUS 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
360Consumer Credit CardDestinations 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 APR9.50–19.50%
361Consumer Credit CardTongass 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 APR9.95–12.95%
362Consumer Credit CardSandia Area Federal Credit UnionWelcome offer: 10,000 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 APRNone: No 0% intro APR statedPurchase APR8.49–17.99%
363Consumer Platinum (Non-Rewards) CardMidfirst BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 12 mothen 13.74–21.74%Purchase APR13.74–21.74%
364Electel Cooperative FCU Credit CardElectel Cooperative 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%
365Credit Card Agreement 11-2024Alabama State Employees 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
366Mid Carolina CU Credit Card ProgramMid Carolina 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 APR7.45–18.00%
367Crypto.com 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%
368Delta SkyMiles® Blue American Express CardAmerican ExpressWelcome offer: 80,000 Delta SkyMiles miles 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 APRNone: No 0% intro APR statedPurchase APR19.74–28.74%
369Edge ConsumerBlue Ridge Bank, National AssociationWelcome offer: $100 cash back 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 12 mothen 17.49–23.49%Purchase APR17.49–23.49%
370Mid American CU Everyday Gold 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%
371Mid American CU Everyday 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%
372Extreme VisaScott 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 APR11.90–17.90%
373Farm Bureau Member Rewards Mastercard - PlatinumFarm Bureau Bank FSBWelcome offer: 10,000 reward points after $500 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 16.74–29.99%Purchase APR16.74–29.99%
374Fidelity® Rewards Visa Signature®US 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 APR16.49–26.49%
375Fifth Third 1.67% Cash/Back CardFifth ThirdYearly 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 APR29.74%
376Fifth Third Preferred Cash/Back Credit CardFifth ThirdYearly 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 APR18.99–28.99%
377First State Bank Credit CardFirst State 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 APR18.00%
378Firstmark Credit Union Platinum RewardsFirstmark 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 APR15.25–18.00%
379Fleet Rewards 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 APR22.49–33.74%
380Gap 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%
381GM Business™ Mastercard®BarclaysWelcome offer: 100,000 Business Card Points after $5,000 in 5 monthsYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 9 mothen 22.49–32.49%Purchase APR22.49–32.49%
382GM Rewards™ Mastercard®BarclaysWelcome offer: 30,000 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 9 mothen 22.49–32.49%Purchase APR22.49–32.49%
383GO REWARDS® Credit CardNavy FederalYearly 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 APR13.49–18.00%
384PenFed Gold Credit CardPenFedYearly 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 APR16.99–18.24%
385Good Sam Coast to Coast VisaComenity Capital BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 mothen 21.49–34.99%Purchase APR21.49–34.99%
386Good Sam Rewards VisaComenity 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 APR21.49–34.99%
387Gulf Visa® CardFNBOYearly 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 APR30.49–30.99%
388Gundersen Credit UnionGundersen 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 APR8.90%
389H-E-B Visa Signature® Credit CardFirst Electronic 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 APR16.74–29.99%
390Harvard Alumni World MasterCardHarvard Federal Credit UnionWelcome offer: 10,000 points after $500 in purchasesYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 12 mothen 13.24–18%Purchase APR13.24–18.00%
391Hilton Honors American Express CardAmerican ExpressYearly 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 APR29.49%
392Horizon Credit Union Visa ClassicHorizon 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 APR17.50–21.00%
393IHG One Rewards Credit CardChaseWelcome offer: 125,000 IHG One Rewards points after $2,000 in 3 monthsOnce per 24 months on this card family: 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 APR19.49–27.99%
394IKEA VisaComenity 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 APR21.99%
395Interval World MastercardComenity 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 APR29.49–34.24%
396iStudent VisaForcht 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 APR20.75–24.75%
397J Crew 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 APR33.49–33.74%
398JCPenney MastercardSynchronyWelcome offer: $35 cash back after $35 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 APR33.49–33.74%
399JetBlue CardBarclaysWelcome offer: 10,000 TrueBlue 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 APRNone: No 0% intro APR statedPurchase APR19.74–29.74%
400JOPLIN METRO CREDIT UNION CLASSIC VISAJoplin Metro 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 APR12.90%

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