Best No Annual Fee Credit Cards 2026

Great rewards without the yearly cost.16 cards worth $5,140+ in sign-up bonuses.

American Express

Delta SkyMiles Gold Card

70,000 miles
~$770 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
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Chase

Ink Business Unlimited

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Chase

United Explorer Card

60,000 miles
~$720 value
Spend Required$3,000 in 3 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x United2x dining2x hotels
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American Express

Hilton Honors Card

80,000 points
~$400 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
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American Express

Blue Cash Preferred Card

$350
~$350 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
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Chase

Chase Freedom Unlimited

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
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Capital One

Capital One SavorOne

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
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Wells Fargo

Wells Fargo Autograph Card

20,000 points
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
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Chase

Chase Freedom Flex

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
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American Express

Blue Cash Everyday Card

$200
~$200 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
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Citi

Citi Double Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
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Citi

Citi Custom Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
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Capital One

Capital One Quicksilver

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
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Discover

Discover it Cash Back

Cashback Match
~$150 value
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly, up to $1,500)
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