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.

401JOPLIN METRO CREDIT UNION PLATINUM 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 APR10.90%
402JOPLIN METRO CREDIT UNION PREFERRED 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 APR11.50%
403JOPLIN METRO CREDIT UNION SECURED 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 APR15.90%
404Kroger Rewards World Elite MastercardUS 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 APR17.49–30.49%
405LCCU Secured Visa Credit CardLatino Community 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 APR11.25%
406LCCU Unsecured Visa Credit CardLatino Community 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 APR16.25%
407LOFT 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%
408Sunmark CU Low Rate PlatinumSunmark 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 APR11.49–20.74%
409M&T Visa Signature Credit CardM&T BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 9 mothen 17.99–24.99%Purchase APR17.99–24.99%
410Magnolia FCU VisaMagnolia 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 APR8.75–18.00%
411Marriott Bonvoy BoldChaseWelcome offer: 45,000 Marriott Bonvoy points after $1,000 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%
412Weststar CU MasterCard Platinum RewardsWeststar Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 3 mothen 11.24–17.99%Purchase APR11.24–17.99%
413MemberSelect Rewards MasterCard®Community Resource 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 APR15.24–17.99%
414MGM Rewards World Elite 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 APR24.74–25.24%
415MPD Community Credit Union Visa Classic credit cardM.P.D. Community Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 moPurchase APRNot stated: Purchase APR not stated
416NAE FCU Platinum VisaN A E 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 APR8.99–16.99%
417New York Yankees Mastercard®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 APR17.74–32.24%
418NFL Extra Points 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 APR17.74–32.24%
419NFL Green Bay Packers Extra Points 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 APR17.74–32.24%
420North Star CCU VisaNorth Star Community 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 APR11.00–13.00%
421Northern Tool 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 APR26.49–26.99%
422Norwegian Cruise Line® World Mastercard® Credit CardBank of AmericaWelcome offer: 20,000 WorldPoints 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 APR17.74–27.74%
423OECU Visa Classic Credit CardOklahoma Educators 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%
424OECU Visa Platinum Credit CardOklahoma Educators 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 APR9.49–18.00%
425Old Navy Encore MastercardBarclaysYearly 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%
426Ollo Platinum MastercardMerrick BankYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 9 mothen 22.49–29.99%Purchase APR22.49–29.99%
427Ontario Shores Federal Credit Union Classic Credit CardOntario Shores 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
428OPFCU VISAOmaha 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 APR8.99–18.00%
429Orvis Rewards Visa® CardFNBOWelcome offer: 5,000 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 APR26.49–26.99%
430Our Best Cash Rewards Business Credit CardWells FargoWelcome offer: $500 cash back after $5,000 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 16.99–24.99%Purchase APR16.99–24.99%
431Passport 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 APR18.75–24.75%
432PayPal Credit MastercardSynchronyYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 mothen 29.64%Purchase APR29.64%
433PenFed Power Cash RewardsPenFedYearly 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 APR16.49–18.24%
434Penn National Gaming mycash 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 APR19.74–34.24%
435Petco Pay 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 APR28.49–34.99%
436Novation CU PlatinumNovation 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
437Wyhy FCU Platinum Cash+ RewardsWyhy 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 APR12.90–17.15%
438Lake Trust CU Platinum EliteLake Trust 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
439Communityamerica FCU Platinum Low RateCommunityamerica 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 APR11.99–18.00%
440CU Of New Jersey Platinum MastercardCredit Union Of New JerseyYearly 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 APR11.65–18.00%
441Hanscom FCU Platinum MastercardHanscom 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 APR11.99–17.99%
442Harvard FCU Platinum MasterCardHarvard Federal Credit UnionWelcome offer: 10,000 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 12 mothen 13.24–17.74%Purchase APR13.24–17.74%
443360 FCU Platinum Reward360 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
444Sunmark CU Platinum RewardsSunmark Credit UnionWelcome offer: 7,500 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 APR13.49–22.49%
445Sun East FCU Platinum Rewards MastercardSun East Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 6 mothen 13.49–18%Purchase APR13.49–18.00%
446Harvard FCU Platinum Rewards MasterCardHarvard Federal Credit UnionWelcome offer: 10,000 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 12 mothen 15.24–18%Purchase APR15.24–18.00%
447Harvard FCU Platinum Rewards Plus MasterCardHarvard Federal Credit UnionYearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash valueIntro APR0% for 12 mothen 17.24–18%Purchase APR17.24–18.00%
448Achieve Financial CU Platinum Rewards VisaAchieve Financial 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%
449Red Canoe CU Platinum Rewards Visa Credit CardRed Canoe 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 APR4.90–22.90%
450PenFed Platinum Rewards Visa®PenFedYearly 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 APR18.24%

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