WWafacard Compare cards

Category guide

Best no annual fee credit cards

A focused shortlist of no annual fee cards to compare by fees, rewards, and benefits.

How to choose a no annual fee credit card

No-annual-fee credit cards are useful long-term keepers because they can preserve account age without a yearly cost. They are often strong for simple cash back or starter travel rewards.

Best for no annual fee
AARP Essential Rewards Mastercard from Barclays Barclays
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4.7 ★★★★★
Wafa rating

AARP Essential Rewards Mastercard from Barclays

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
AARP Travel Rewards Mastercard from Barclays Barclays
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4.7 ★★★★★
Wafa rating

AARP Travel Rewards Mastercard from Barclays

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Abound Visa® Platinum Card Abound CU
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4.7 ★★★★★
Wafa rating

Abound Visa® Platinum Card

Abound CU · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Abound CU's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Alliant Cashback Visa® Signature Credit Card Alliant
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4.7 ★★★★★
Wafa rating

Alliant Cashback Visa® Signature Credit Card

Alliant · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2.5%
Intro APR
Check terms
See rates & apply on Alliant's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Alliant Visa Platinum Rewards Credit Card Alliant
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4.7 ★★★★★
Wafa rating

Alliant Visa Platinum Rewards Credit Card

Alliant · Visa

Annual fee
$0
Welcome bonus
5,000 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Alliant's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Amazon Business Prime American Express Card American Express
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4.7 ★★★★★
Wafa rating

Amazon Business Prime American Express Card

American Express · Amex

Annual fee
$0
Welcome bonus
125 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Amazon Prime Visa Chase
image coming soon
4.7 ★★★★★
Wafa rating

Amazon Prime Visa

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 36mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Baggage coverage may be included
Best for no annual fee
Apple Card Goldman Sachs
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4.7 ★★★★★
Wafa rating

Apple Card

Goldman Sachs · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Goldman Sachs' site
Why we like it
  • No yearly card fee
Best for no annual fee
AT&T Points Plus℠ Card from Citi Citi
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4.7 ★★★★★
Wafa rating

AT&T Points Plus℠ Card from Citi

Citi · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
Cash back
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Athleta Encore Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Athleta Encore Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x-5x
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • No yearly card fee
Best for no annual fee
Avant® Cashback Rewards Mastercard® Avant
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4.7 ★★★★★
Wafa rating

Avant® Cashback Rewards Mastercard®

Avant · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Avant's site
Why we like it
  • No yearly card fee
Best for no annual fee
Banana Republic Encore Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Banana Republic Encore Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x-5x
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • No yearly card fee
Best for no annual fee
Bank of America Customized Cash Rewards Secured Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America Customized Cash Rewards Secured Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Bank of America's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1%-5.25%
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
Varies
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • Baggage coverage may be included
  • No yearly card fee
Best for no annual fee
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1.5%-2.62%
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Travel Rewards credit card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Travel Rewards credit card

Bank of America · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Bank of America® Travel Rewards Credit Card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Travel Rewards Credit Card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Bank of America® Unlimited Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Unlimited Cash Rewards credit card for Students Bank of America
image coming soon
4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards credit card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Bank of America® Unlimited Cash Rewards Secured Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards Secured Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%-2%
Intro APR
Check terms
See rates & apply on Bank of America's site
Why we like it
  • No yearly card fee
Best for no annual fee
BankAmericard® credit card Bank of America
image coming soon
4.7 ★★★★★
Wafa rating

BankAmericard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
0%
Intro APR
0% · 21mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Barclays View™ Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Barclays View™ Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x-3x
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
BILL Divvy Corporate Card Bill.com
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4.7 ★★★★★
Wafa rating

BILL Divvy Corporate Card

Bill.com · Visa

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1.5x-7x
Intro APR
Check terms
See rates & apply on Bill.com's site
Why we like it
  • Employee card controls may be available
  • No yearly card fee
  • Business spending features
Best for no annual fee
Blue Cash Everyday® Card from American Express American Express
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4.7 ★★★★★
Wafa rating

Blue Cash Everyday® Card from American Express

American Express · Amex

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
BMO CashBack Mastercard BMO
image coming soon
4.7 ★★★★★
Wafa rating

BMO CashBack Mastercard

BMO · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
0.5%-3%
Intro APR
0% · 9mo
See rates & apply on BMO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Bread Cashback™ American Express® Credit Card Bread Financial
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4.7 ★★★★★
Wafa rating

Bread Cashback™ American Express® Credit Card

Bread Financial · Amex

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
Check terms
See rates & apply on Bread Financial's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Brex Card Brex
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4.7 ★★★★★
Wafa rating

Brex Card

Brex · Mastercard

Annual fee
$0
Welcome bonus
75,000 points
Rewards rate
1x-7x
Intro APR
Check terms
See rates & apply on Brex's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Brex Corporate Card Brex
image coming soon
4.7 ★★★★★
Wafa rating

Brex Corporate Card

Brex · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
1x-8x
Intro APR
Check terms
See rates & apply on Brex's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Capital One Platinum Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Platinum Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • No yearly card fee
Best for no annual fee
Capital One Platinum Secured Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Platinum Secured Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Capital One Quicksilver Cash Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Quicksilver Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Capital One Quicksilver Student Cash Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Capital One Savor Cash Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Savor Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-8%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Capital One Savor Student Cash Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Savor Student Cash Rewards Credit Card

Capital One · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-8%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Capital One Spark 1% Classic for Business Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Spark 1% Classic for Business Credit Card

Capital One · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Employee card controls may be available
  • No yearly card fee
  • Business spending features
Best for no annual fee
Capital One Spark Cash Select for Business Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Spark Cash Select for Business

Capital One · Mastercard

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1.5%-5%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for no annual fee
Capital One VentureOne Business Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One VentureOne Business Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
1.5x-5x
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Partner status benefits may apply
Best for no annual fee
Capital One VentureOne Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One VentureOne Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Carnival® World Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Carnival® World Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1x-2x
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Chase Freedom Flex℠ Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Freedom Flex℠ Credit Card

Chase · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
Chase Freedom Rise℠ Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Freedom Rise℠ Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • No yearly card fee
Best for no annual fee
Chase Freedom Unlimited® Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Freedom Unlimited® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Chase Slate® Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Slate® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for no annual fee
Chime Visa® Credit Card Chime
image coming soon
4.7 ★★★★★
Wafa rating

Chime Visa® Credit Card

Chime · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Chime's site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Citi Custom Cash® Card Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi Custom Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Citi Double Cash® Card Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi Double Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 18mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Citi Simplicity® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Simplicity® Card

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 18mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Citi Strata℠ Card Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi Strata℠ Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-5x
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Citi® Diamond Preferred® Card Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi® Diamond Preferred® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Citi® Secured Mastercard® Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi® Secured Mastercard®

Citi · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Citizens Clear Value® Mastercard® Citizens
image coming soon
4.7 ★★★★★
Wafa rating

Citizens Clear Value® Mastercard®

Citizens · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 18mo
See rates & apply on Citizens' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Baggage coverage may be included
Best for no annual fee
Coinbase One Card Coinbase
image coming soon
4.7 ★★★★★
Wafa rating

Coinbase One Card

Coinbase · American Express

Annual fee
$0
Welcome bonus
50 points
Rewards rate
2%-4%
Intro APR
Check terms
See rates & apply on Coinbase's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Costco Anywhere Visa® Business Card by Citi Citi
image coming soon
4.7 ★★★★★
Wafa rating

Costco Anywhere Visa® Business Card by Citi

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Costco Anywhere Visa® Card by Citi Citi
image coming soon
4.7 ★★★★★
Wafa rating

Costco Anywhere Visa® Card by Citi

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Crate & Barrel Credit Card Comenity
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4.7 ★★★★★
Wafa rating

Crate & Barrel Credit Card

Comenity · Visa

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-10%
Intro APR
0% · 6mo
See rates & apply on Comenity's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Crypto.com Visa Signature® Credit Card Crypto.com
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4.7 ★★★★★
Wafa rating

Crypto.com Visa Signature® Credit Card

Crypto.com · Visa

Annual fee
$0
Welcome bonus
2,500 points
Rewards rate
1.5%-6%
Intro APR
Check terms
See rates & apply on Crypto.com's site
Why we like it
  • Airport-lounge benefits may apply
  • No yearly card fee
Best for no annual fee
Current Build Visa® Credit Card Current
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4.7 ★★★★★
Wafa rating

Current Build Visa® Credit Card

Current · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x
Intro APR
Check terms
See rates & apply on Current's site
Why we like it
  • No yearly card fee
Best for no annual fee
DCU Visa® Platinum Credit Card DCU
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4.7 ★★★★★
Wafa rating

DCU Visa® Platinum Credit Card

DCU · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on DCU's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Delta SkyMiles® Blue American Express Card American Express
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4.7 ★★★★★
Wafa rating

Delta SkyMiles® Blue American Express Card

American Express · American Express

Annual fee
$0
Welcome bonus
10,000 points
Rewards rate
1x-2x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Deserve® EDU Mastercard for Students Deserve
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4.7 ★★★★★
Wafa rating

Deserve® EDU Mastercard for Students

Deserve · Mastercard

Annual fee
$0
Welcome bonus
59 points
Rewards rate
1%
Intro APR
0% · 6mo
See rates & apply on Deserve's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
Discover it® Cash Back Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Cash Back Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Discover it® Miles Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Miles Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5x
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Discover it® Secured Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Secured Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-2%
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Discover it® Student Cash Back Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Student Cash Back Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-5%
Intro APR
0% · 6mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Discover it® Student Chrome Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Student Chrome Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-2%
Intro APR
0% · 6mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Disney® Visa® Card Chase
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4.7 ★★★★★
Wafa rating

Disney® Visa® Card

Chase · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1%
Intro APR
0% · 6mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
DoorDash Rewards Mastercard® Chase
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4.7 ★★★★★
Wafa rating

DoorDash Rewards Mastercard®

Chase · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Evergreen® Credit Card FNBO
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4.7 ★★★★★
Wafa rating

Evergreen® Credit Card

FNBO · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 6mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Fifth Third 1.67% Cash/Back Card Fifth Third Bank
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4.7 ★★★★★
Wafa rating

Fifth Third 1.67% Cash/Back Card

Fifth Third Bank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.67%
Intro APR
0% · 12mo
See rates & apply on Fifth Third Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
Getaway℠ Credit Card FNBO
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4.7 ★★★★★
Wafa rating

Getaway℠ Credit Card

FNBO · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
3x
Intro APR
0% · 12mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
GM Business™ Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

GM Business™ Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100,000 points
Rewards rate
3x-7x
Intro APR
0% · 9mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • Employee card controls may be available
Best for no annual fee
GM Rewards™ Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

GM Rewards™ Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
30,000 points
Rewards rate
3x-7x
Intro APR
0% · 9mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Grow Credit Mastercard Grow Credit
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4.7 ★★★★★
Wafa rating

Grow Credit Mastercard

Grow Credit · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Grow Credit's site
Why we like it
  • No yearly card fee
Best for no annual fee
Hilton Honors American Express Card American Express
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4.7 ★★★★★
Wafa rating

Hilton Honors American Express Card

American Express · Amex

Annual fee
$0
Welcome bonus
100,000 points
Rewards rate
3x-7x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
IKEA® Visa® Credit Card Comenity
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4.7 ★★★★★
Wafa rating

IKEA® Visa® Credit Card

Comenity · Visa

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Comenity's site
Why we like it
  • No yearly card fee
Best for no annual fee
Ink Business Unlimited® Credit Card Chase
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4.7 ★★★★★
Wafa rating

Ink Business Unlimited® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
1,000 points
Rewards rate
1.5%
Intro APR
0% · 12mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for no annual fee
Instacart Mastercard® Chase
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4.7 ★★★★★
Wafa rating

Instacart Mastercard®

Chase · Mastercard

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Extended warranty coverage may be included
  • Baggage coverage may be included
  • No yearly card fee
Best for no annual fee
Key Cashback® Credit Card KeyBank
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4.7 ★★★★★
Wafa rating

Key Cashback® Credit Card

KeyBank · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-2%
Intro APR
0% · 12mo
See rates & apply on KeyBank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
KeyBank Latitude® Mastercard® credit card KeyBank
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4.7 ★★★★★
Wafa rating

KeyBank Latitude® Mastercard® credit card

KeyBank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on KeyBank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Marriott Bonvoy Bold® Credit Card Chase
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4.7 ★★★★★
Wafa rating

Marriott Bonvoy Bold® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
60,000 points
Rewards rate
1x-14x
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Maximum Rewards® Visa Signature® Card FNBO
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4.7 ★★★★★
Wafa rating

Maximum Rewards® Visa Signature® Card

FNBO · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1.5%
Intro APR
0% · 12mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Mercury IO Mastercard Mercury
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4.7 ★★★★★
Wafa rating

Mercury IO Mastercard

Mercury · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Mercury's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Mission Lane Cash Back Visa® Credit Card Mission Lane LLC
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4.7 ★★★★★
Wafa rating

Mission Lane Cash Back Visa® Credit Card

Mission Lane LLC · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Mission Lane LLC's site
Why we like it
  • No yearly card fee
Best for no annual fee
My Best Buy® Credit Card Citi
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4.7 ★★★★★
Wafa rating

My Best Buy® Credit Card

Citi · Visa

Annual fee
$0
Welcome bonus
10 points
Rewards rate
1%-5%
Intro APR
0% · 24mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
MyLowe's Rewards Credit Card Synchrony
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4.7 ★★★★★
Wafa rating

MyLowe's Rewards Credit Card

Synchrony · Unknown

Annual fee
$0
Welcome bonus
100 points
Rewards rate
5%
Intro APR
0% · 6mo
See rates & apply on Synchrony's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Navy Federal cashRewards Credit Card Navy Federal Credit Union
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4.7 ★★★★★
Wafa rating

Navy Federal cashRewards Credit Card

Navy Federal Credit Union · Visa or Mastercard

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1.5%-2%
Intro APR
0% · 12mo
See rates & apply on Navy Federal Credit Union's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Navy Federal Credit Union cashRewards® Secured Credit Card Navy Federal Credit Union
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4.7 ★★★★★
Wafa rating

Navy Federal Credit Union cashRewards® Secured Credit Card

Navy Federal Credit Union · Visa or Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
0% · 12mo
See rates & apply on Navy Federal Credit Union's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Navy Federal Credit Union Platinum Credit Card Navy Federal
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4.7 ★★★★★
Wafa rating

Navy Federal Credit Union Platinum Credit Card

Navy Federal · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Navy Federal's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Navy Federal GO REWARDS® Credit Card Navy Federal
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4.7 ★★★★★
Wafa rating

Navy Federal GO REWARDS® Credit Card

Navy Federal · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x-3x
Intro APR
0% · 6mo
See rates & apply on Navy Federal's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Navy Federal More Rewards American Express® Card Navy Federal
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4.7 ★★★★★
Wafa rating

Navy Federal More Rewards American Express® Card

Navy Federal · American Express

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1x-3x
Intro APR
Check terms
See rates & apply on Navy Federal's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Neo World Mastercard® Neo Financial
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4.7 ★★★★★
Wafa rating

Neo World Mastercard®

Neo Financial · Mastercard

Annual fee
$0
Welcome bonus
$50
Rewards rate
0.5%-2%
Intro APR
Check terms
See rates & apply on Neo Financial's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Nordstrom Visa Signature Card TD Bank
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4.7 ★★★★★
Wafa rating

Nordstrom Visa Signature Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
60 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Old Navy Encore Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Old Navy Encore Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x-5x
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
PayPal Cashback Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

PayPal Cashback Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-3%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PenFed Gold Visa® Card PenFed
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4.7 ★★★★★
Wafa rating

PenFed Gold Visa® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
PenFed Platinum Rewards Visa Signature® Card PenFed
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4.7 ★★★★★
Wafa rating

PenFed Platinum Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
15,000 points
Rewards rate
1x-5x
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
PenFed Power Cash Rewards Visa Signature® Card PenFed
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4.7 ★★★★★
Wafa rating

PenFed Power Cash Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-2%
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Petal® 2 “Cash Back, No Fees” Visa® Credit Card WebBank
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4.7 ★★★★★
Wafa rating

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

WebBank · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-10%
Intro APR
Check terms
See rates & apply on WebBank's site
Why we like it
  • No yearly card fee
Best for no annual fee
PNC BusinessOptions® Visa Signature® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC BusinessOptions® Visa Signature® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
800 points
Rewards rate
1%-1.5%
Intro APR
0% · 9mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
PNC Cash Rewards Visa Signature Business Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Cash Rewards Visa Signature Business Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
400 points
Rewards rate
1.5%
Intro APR
0% · 9mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Baggage coverage may be included
  • Fraud-liability protection
Best for no annual fee
PNC Cash Rewards® Visa® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Cash Rewards® Visa® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PNC Cash Unlimited® Visa Signature® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Cash Unlimited® Visa Signature® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
2%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
PNC Core Visa Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Core Visa Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
PNC Points® Visa® Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Points® Visa® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
25%-75%
Intro APR
0% · 12mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
PNC Secured Visa Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Secured Visa Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Priceline VIP Rewards™ Visa® Card Barclays
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4.7 ★★★★★
Wafa rating

Priceline VIP Rewards™ Visa® Card

Barclays · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1x-5x
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Prime Visa Chase
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4.7 ★★★★★
Wafa rating

Prime Visa

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Ramp Corporate Card Ramp
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4.7 ★★★★★
Wafa rating

Ramp Corporate Card

Ramp · Visa

Annual fee
$0
Welcome bonus
1,000 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Ramp's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Regions Prestige Visa® Signature Credit Card Regions
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4.7 ★★★★★
Wafa rating

Regions Prestige Visa® Signature Credit Card

Regions · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-4%
Intro APR
0% · 12mo
See rates & apply on Regions' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
REI Co-op Mastercard Capital One
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4.7 ★★★★★
Wafa rating

REI Co-op Mastercard

Capital One · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • No yearly card fee
Best for no annual fee
Robinhood Gold Card Robinhood
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4.7 ★★★★★
Wafa rating

Robinhood Gold Card

Robinhood · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
3%-5%
Intro APR
Check terms
See rates & apply on Robinhood's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Royal ONE™ Visa Signature® Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Royal ONE™ Visa Signature® Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
450 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Bank of America's site
Why we like it
  • Priority boarding may be available
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Sam's Club Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

Sam's Club Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
$30
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
SECU Cash Rewards Visa Credit Card SECU
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4.7 ★★★★★
Wafa rating

SECU Cash Rewards Visa Credit Card

SECU · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
0.5%-2%
Intro APR
0% · 12mo
See rates & apply on SECU's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Secured Chime Visa® Credit Card Chime
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4.7 ★★★★★
Wafa rating

Secured Chime Visa® Credit Card

Chime · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Chime's site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
SoFi Essential Credit Card SoFi
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4.7 ★★★★★
Wafa rating

SoFi Essential Credit Card

SoFi · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on SoFi's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
SoFi Unlimited 2% Credit Card SoFi
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4.7 ★★★★★
Wafa rating

SoFi Unlimited 2% Credit Card

SoFi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%-10%
Intro APR
Check terms
See rates & apply on SoFi's site
Why we like it
  • Cell phone protection may be available
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Stripe Corporate Card Stripe
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4.7 ★★★★★
Wafa rating

Stripe Corporate Card

Stripe · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Stripe's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Synchrony Premier World Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

Synchrony Premier World Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
2%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Target Circle™ Mastercard® TD Bank
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4.7 ★★★★★
Wafa rating

Target Circle™ Mastercard®

TD Bank · Mastercard

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
TD Cash Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Cash Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
TD Clear Visa Platinum Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Clear Visa Platinum Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on TD Bank's site
Why we like it
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
TD Double UpSM Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Double UpSM Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-2%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
The American Express Blue Business Cash® Card American Express
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4.7 ★★★★★
Wafa rating

The American Express Blue Business Cash® Card

American Express · Amex

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1%-2%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
The Barnes & Noble Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

The Barnes & Noble Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
25 points
Rewards rate
5%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
The Blue Business® Plus Credit Card from American Express American Express
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4.7 ★★★★★
Wafa rating

The Blue Business® Plus Credit Card from American Express

American Express · Amex

Annual fee
$0
Welcome bonus
15,000 points
Rewards rate
1x-2x
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Employee card controls may be available
Best for no annual fee
The Home Depot® Consumer Credit Card Citi
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4.7 ★★★★★
Wafa rating

The Home Depot® Consumer Credit Card

Citi · Other

Annual fee
$0
Welcome bonus
100 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Tomo Charge Card Tomo
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4.7 ★★★★★
Wafa rating

Tomo Charge Card

Tomo · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Tomo's site
Why we like it
  • No yearly card fee
Best for no annual fee
Truist Business Cash Rewards Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Business Cash Rewards Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
300 points
Rewards rate
1%-3%
Intro APR
0% · 9mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Truist Enjoy Cash Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Enjoy Cash Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
0% · 12mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Truist Enjoy Cash Secured Visa credit card Truist
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4.7 ★★★★★
Wafa rating

Truist Enjoy Cash Secured Visa credit card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Truist's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Truist Enjoy Travel credit card Truist
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4.7 ★★★★★
Wafa rating

Truist Enjoy Travel credit card

Truist · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-2x
Intro APR
Check terms
See rates & apply on Truist's site
Why we like it
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Truist Future Visa® Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Future Visa® Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-5x
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • No yearly card fee
Best for no annual fee
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-4x
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
U.S. Bank Business Triple Cash Rewards World Elite Mastercard U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

U.S. Bank · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Partner status benefits may apply
Best for no annual fee
U.S. Bank Cash+® Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Employee card controls may be available
Best for no annual fee
U.S. Bank Visa® Platinum Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Visa® Platinum Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x
Intro APR
0% · 21mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
United Gateway℠ Card Chase
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4.7 ★★★★★
Wafa rating

United Gateway℠ Card

Chase · Visa

Annual fee
$0
Welcome bonus
40,000 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Upgrade Cash Rewards Visa® Upgrade
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4.7 ★★★★★
Wafa rating

Upgrade Cash Rewards Visa®

Upgrade · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Upgrade's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Upgrade Secured OneCard Upgrade
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4.7 ★★★★★
Wafa rating

Upgrade Secured OneCard

Upgrade · Visa

Annual fee
$0
Welcome bonus
$200
Rewards rate
1.5%-3%
Intro APR
Check terms
See rates & apply on Upgrade's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Upromise® World Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Upromise® World Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.25%-1.529%
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
USAA Cashback Rewards Plus American Express® Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Cashback Rewards Plus American Express® Credit Card

USAA · American Express

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on USAA's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Baggage coverage may be included
Best for no annual fee
USAA Preferred Cash Rewards Visa Signature® Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Preferred Cash Rewards Visa Signature® Credit Card

USAA · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on USAA's site
Why we like it
  • Baggage coverage may be included
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
USAA Rate Advantage Visa® Platinum Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Rate Advantage Visa® Platinum Credit Card

USAA · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on USAA's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
USAA® Rewards™ American Express® Card USAA
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4.7 ★★★★★
Wafa rating

USAA® Rewards™ American Express® Card

USAA · American Express

Annual fee
$0
Welcome bonus
2,500 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on USAA's site
Why we like it
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • Baggage coverage may be included
Best for no annual fee
Varo Believe Secured Credit Card Varo
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4.7 ★★★★★
Wafa rating

Varo Believe Secured Credit Card

Varo · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Varo's site
Why we like it
  • No yearly card fee
Best for no annual fee
Verizon Visa Signature® Card Synchrony Bank
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4.7 ★★★★★
Wafa rating

Verizon Visa Signature® Card

Synchrony Bank · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1%-4%
Intro APR
0% · 36mo
See rates & apply on Synchrony Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Wells Fargo Active Cash® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Active Cash® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
Wells Fargo Attune℠ World Elite Mastercard® Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Attune℠ World Elite Mastercard®

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-4%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Partner status benefits may apply
Best for no annual fee
Wells Fargo Autograph℠ Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Autograph℠ Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1x-3x
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
Wells Fargo Business Platinum Credit Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Business Platinum Credit Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
300 points
Rewards rate
1.5%
Intro APR
0% · 9mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Wells Fargo Choice Privileges® Mastercard® Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Choice Privileges® Mastercard®

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
60,000 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Wells Fargo's site
Why we like it
  • Cell phone protection may be available
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Wells Fargo One Key™ Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo One Key™ Card

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1.5%-3%
Intro APR
Check terms
See rates & apply on Wells Fargo's site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Wells Fargo Reflect® Visa® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Reflect® Visa® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
Wells Fargo Signify Business Cash® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Signify Business Cash® Card

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
2%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Employee card controls may be available
Best for no annual fee
Wyndham Rewards Earner® Card Barclays
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4.7 ★★★★★
Wafa rating

Wyndham Rewards Earner® Card

Barclays · Visa

Annual fee
$0
Welcome bonus
75,000 points
Rewards rate
Varies
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
X1 Card X1
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4.7 ★★★★★
Wafa rating

X1 Card

X1 · Visa

Annual fee
$0
Welcome bonus
10 points
Rewards rate
10x
Intro APR
Check terms
See rates & apply on X1's site
Why we like it
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Xbox Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Xbox Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee

Frequently asked questions

Are no-annual-fee cards worse?

Not necessarily. They can be excellent if you want low maintenance and do not need premium benefits.

Can no-fee cards earn good rewards?

Yes. Many no-fee cards offer competitive cash back or category bonuses.