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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19 Cards Available:

Credit card

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$875

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Annual Fee: $0

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Estimated Bonus Value :

$875

Offer: Get $500 in the form of 50,000 Ultimate Rewards points when you spend $3,000 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. 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 cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $500 in the form of 50,000 Ultimate Rewards points when you spend $3,000 in your first 3 months
Credit card
Estimated Bonus Value :

$375

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Annual Fee: $0

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Estimated Bonus Value :

$375

Offer: Get 75,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months

This no-annual fee Hilton card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*.

*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: Get 75,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months
Credit card
Estimated Bonus Value :

$300

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Annual Fee: $0

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Estimated Bonus Value :

$300

Offer: Get 30,000 bonus points when you spend $3,000 in your first 3 months.

The Propel offers 3x on gas stations, rideshares, transit, flights, hotels, car rentals, and some streaming services. 1x elsewhere.

These points can be used in their travel portal to purchase travel of almost any kind. The card also provides complimentary cell phone insurance.

Offer: Get 30,000 bonus points when you spend $3,000 in your first 3 months.
Credit card

Chase Freedom Credit Card

Annual Fee: $0

Estimated Bonus Value :

$263

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Annual Fee: $0

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Estimated Bonus Value :

$263

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months

A no-fee Chase card with rotating 5x Ultimate Rewards points earning categories. The categories change every 3 months and vary from gas to drug stores and anything in between. This card is excellent to have in conjunction with a Chase Sapphire Reserve or Chase Sapphire Preferred, both of which unlock transfers to airlines and hotels and an ability to combine your points between them.

Because the 5% bonus categories rotate, we cannot factor this into your spend. Therefore, your actual rewards will be higher than shown.

This card is best combined with a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

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, 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.

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months
Credit card
Estimated Bonus Value :

$263

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Annual Fee: $0

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Estimated Bonus Value :

$263

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything. 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.

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.

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in 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: 15,000 bonus Membership Rewards points when you spend $5,000 in 3 months

Highly Recommended:

Earn 2x Membership Rewards points on everything - 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.

Offer: 15,000 bonus Membership Rewards points when you spend $5,000 in 3 months
Credit card
Estimated Bonus Value :

$240

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Annual Fee: $0

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Estimated Bonus Value :

$240

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 months

This no-fee business card offers 1.5x Capital One miles and 5X miles on hotel and rental car booked via Capital One Travel on all purchases with no annual fee.

Use these miles as a purchase eraser at 1 cent per point, or transfer them to a range of airlines at the ratio of 2:1.5, which equals 1.5 airline miles per dollar spent.

NOTE: 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 months
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 $1,000 within 3 months

This no-fee card offers 1.25x on all purchases, except for 10x on hotels.com through January 2020.

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.

Offer: 20,000 miles when you spend $1,000 within 3 months
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$225

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Annual Fee: $0

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Estimated Bonus Value :

$225

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.

Round up to the nearest 10 points on all purchases. 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.

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 15,000 bonus points when you spend $1,000 within your first 3 months.
Credit card
Estimated Bonus Value :

$210

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Annual Fee: $0

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Estimated Bonus Value :

$210

Offer: Get 30,000 bonus Marriott Bonvoy points after you spend $1,000 in your first 3 months

The Marriott Bonvoy Bold Credit Card is Chase's "no fee" entrant into the lineup of Marriott Bonvoy credit cards. It is similar to the Chase Marriott Bonvoy Boundless Card but with no annual fee and no annual free night certificate. It also earns considerably less points per dollar spent.

Note When calculating your Estimated Rewards Values, Hotel spend will be considered "spend at Marriott Bonvoy hotels" for the purposes of calculating your potential reward values (in this case, 3X). Hotel spend at other brands will not earn the bonus multiplier and would only earn 2X Bonvoy points (the rate for all other travel).

Offer: Get 30,000 bonus Marriott Bonvoy points after you spend $1,000 in your first 3 months
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: $200 when you spend $3,000 in 3 months

This no-fee business card offers 1.5% cash back on all purchases.

Offer: $200 when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get $150 (as a statement credit) when you spend $1,000 in your first 3 months

This card offers a flat 1.5% cash back with no annual fee.

Offer: Get $150 (as a statement credit) when you spend $1,000 in your first 3 months
Credit card

Blue Cash Everyday Card

Annual Fee: $0

Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.

The Blue Cash EveryDay credit card has no annual fee and earns cash back.

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

- 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.)

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: $150 when you spend $500 in your first 3 months

This is a simple 1.5% cash back card, though it offers a 12-month introductory rate of 1.8% cash back on purchases made with Apple Pay or Google Pay.

Offer: $150 when you spend $500 in your first 3 months
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get $150 cash back when you spend $500 in 90 days

With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.

Please note that applications are only being accepted in the following states:  Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

If you are not in an approved state, please see our other cash back credit cards.

Offer: Get $150 cash back when you spend $500 in 90 days
Credit card
Estimated Bonus Value :

$100

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Annual Fee: $0

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Estimated Bonus Value :

$100

Offer: Get $100 bonus when you spend $1,000 in your first 90 days

This card earns a straight 2% cash back with no bonus categories to worry about and no confusing points system.

Note, however, that you must deposit your rewards into a Fidelity account in order to redeem for the full 2%.

Offer: Get $100 bonus when you spend $1,000 in your first 90 days
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: This card does not have a bonus offer at this time.

This starter business card for average credit offers 1% cash back on all purchases and no annual fee.

Offer: This card does not have a bonus offer at this time.
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Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time

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