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No Annual Fee Credit Cards

We base our ratings on the value of the points of each card by the amount of the bonus. Pretty simple!

 

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30 Cards Available:

Credit card
Estimated Bonus Value :

$1,313

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Annual Fee: $0

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Estimated Bonus Value :

$1,313

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months

The simplest of the Chase Business cards, it earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2022.

It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.

0% APR Intro Offer

Get 12 months of 0% Interest on new purchases your new card account for 12 months (Terms apply).

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months
Credit card

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$1,313

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Annual Fee: $0

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Estimated Bonus Value :

$1,313

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months

This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.

Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months
Credit card
Estimated Bonus Value :

$650

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Annual Fee: $0

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Estimated Bonus Value :

$650

Offer: Earn up to 130,000 Hilton Honors bonus points: Earn 80,000 points when you spend $1,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $5,000 in your first 6 months. Terms apply. (Rates and Fees)

The no-annual fee Hilton Honors American Express Card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*. Terms apply.

*American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

NOTE: For the purposes of calculating your expected rewards, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Earn up to 130,000 Hilton Honors bonus points: Earn 80,000 points when you spend $1,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $5,000 in your first 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $3,000 in your first 90 days

The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.

You also get a 25% bonus each anniversary of your prior year's rewards, up to $250.

There's no annual fee, no foreign transactions fees, and it offers complimentary secondary cell phone protection.

Offer: Get $500 when you spend $3,000 in your first 90 days
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $4,500 in your first 150 days

The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations, office supplies or cell phone service or at restaurants.

You will earn 3% cash back on all four of these categories with no cap.

No annual fee.

Offer: Get $500 when you spend $4,500 in your first 150 days
Credit card
Estimated Bonus Value :

$440

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Annual Fee: $0

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Estimated Bonus Value :

$440

Offer: Get 2 Hotels.com reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. (*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.)

There are no credit card bonus categories - not even for Hotels.com itself.  All spend is equal. There are no foreign transaction fees.

For every $500 you spend, you earn a stamp. 10 stamps has a free night maximum value of $110.  If you only earn stamps through credit card spend (and not through paying for stays), then you will earn a free hotel night up to $110 in value for every $5,000 you spend.  That represents a potential value of 2.2% return on your card spend.

Simple and straightforward.

Note: The Your Best Credit Card Rewards calculator assume you will redeem for maximum value making this credit card an effective 2.2% cash back card - but only good for redemption on Hotels.com bookings. 

Offer: Get 2 Hotels.com reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. (*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.)
Credit card

United Gateway Card

Annual Fee: $0

Estimated Bonus Value :

$360

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Annual Fee: $0

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Estimated Bonus Value :

$360

Offer: Up to 30,000 bonus miles: Earn 15,000 bonus miles after you spend $1,000 on purchases in your first 3 months plus an additional 15,000 miles when you spend $3,000 in your first 6 months.
  • 2 miles per dollar on United Airlines purchases and earn 25% back on United inflight purchases
  • 2 miles per dollar at gas stations,  and on local transit and commuting charges
  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021
  • Earn 1 mile per $1 spent on all other purchases
  • No foreign transaction fees

Note that in calculating your rewards on this card, we are counting all airfare as 2X miles since we don't capture your spend by airline. However, please note that the 2X multiplier on airfare will only apply to United flights.

Offer: Up to 30,000 bonus miles: Earn 15,000 bonus miles after you spend $1,000 on purchases in your first 3 months plus an additional 15,000 miles when you spend $3,000 in your first 6 months.
Credit card
Estimated Bonus Value :

$350

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Annual Fee: $0

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Estimated Bonus Value :

$350

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months, plus 5X on grocery store purchases on up to $12,000 spent in the first year.

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything, except as noted below. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

Chase Freedom Unlimited Rate:

  • 5X on travel when purchased through the Chase Ultimate Rewards portal*
  • 5X on Lyft until March 2022
  • 3X on dining (including takeout and delivery)
  • 3X at drugstores
  • 1.5X on everything else

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

0% Interest APR Intro Offer:

Get a 0% Intro APR for 15 months (Terms Apply)

Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above. 

Offer: Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months, plus 5X on grocery store purchases on up to $12,000 spent in the first year.
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$300

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Annual Fee: $0

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Estimated Bonus Value :

$300

Offer: Get 20,000 bonus points when you spend $1,500 within your first 3 months.

o% APR Offers - Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months. Then, the variable APR will be 13.49% - 23.49%, depending on your creditworthiness. There is a balance transfer fee, which is either $5 or 3% of the amount of each transfer, whichever is greater.

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 20,000 bonus points when you spend $1,500 within your first 3 months.
Credit card
Estimated Bonus Value :

$255

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Annual Fee: $0

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Estimated Bonus Value :

$255

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)

Highly Recommended: Earn 2x Membership Rewards points on everything with the Blue Business® Plus Credit Card - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.

Intro 0% APR - 0% introductory APR on purchases for 12 months, then 13.24% (Prime Rate + 9.99%) to 19.24% (Prime Rate + 15.99%.  (Rates and Fees)

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$250

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Annual Fee: $0

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Estimated Bonus Value :

$250

Offer: Earn a $100 statement credit when you spend $2,000 in your first 6 months. Plus, get 20% back at Amazon.com - up to $150 within your first 6 months. Terms apply. (Rates and Fees)

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

It features bonus cashback on groceries, gas, and department stores.

- Earn 3% cash back at US supermarkets for up to $6,000 in annual purchases; 1% thereafter.

- Earn 2% cash back at US gas stations and certain US Department Stores

- Earn 1% cash back on everything else.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

0% Intro APR

Enjoy a 0% APR on new purchases for 15 months starting when you are approved for the Blue Cash Everyday card; then 13.99% to 23.99%. (Rates and Fees)

Offer: Earn a $100 statement credit when you spend $2,000 in your first 6 months. Plus, get 20% back at Amazon.com - up to $150 within your first 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$250

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Annual Fee: $0

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Estimated Bonus Value :

$250

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)

The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee. 

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$240

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Annual Fee: $0

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Estimated Bonus Value :

$240

Offer: 20,000 miles when you spend $500 within 3 months

This no-fee card offers 1.25x on all purchases.

Compare this card with the standard Venture which earns 2x miles on all purchases. Spend your miles to erase purchases or transfer them to more than a dozen airlines.

Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.

The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a purchase eraser, the early spend bonus value will be $200, exactly.

You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: 20,000 miles when you spend $500 within 3 months
Credit card

Capital One Quicksilver

Annual Fee: $0

Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.
Credit card

Capital One SavorOne

Annual Fee: $0

Estimated Bonus Value :

$200

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