Best No Annual Fee Credit Cards of 2026
Nothing to pay just for having the card. Sorted by how much each one gives back.
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lemonope may be paid if you apply through some links on this page. That never changes the facts shown, the order of cards or which cards we include. How we make money
Sorted by the card's own published terms, never by what an issuer pays.
Top 10 cards · See all 122 on the full list
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U.S. BankU.S. Bank Cash+ Secured VisaSecured · 
5% two categories you choose (first $2,000/quarter combined), 2% one everyday category you choose, 1% else; 5% prepaid travel via U.S. Bank Travel Center; deposit
- Annual fee
- No fee
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U.S. BankU.S. Bank Altitude Connect Visa SignatureTravel ·
4x travel, 4x gas & EV charging (first $1,000/quarter), 2x grocery/dining/streaming, 1x else; 5x prepaid hotels & car rentals via U.S. Bank Travel Center
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.74%–27.74% variable
- Welcome offer
- 20,000 bonus points
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U.S. BankU.S. Bank Cash+ Visa SignatureCash back ·
5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.99%–28.24% variable
- Welcome offer
- $200 after $1,000 spend
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PenFed Credit UnionPenFed Platinum Rewards Visa SignatureCash back ·
5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 12 months on balance transfers made in the first 60 days
- Regular APR
- 17.99% variable
- Welcome offer
- 15,000 points after $1,500 spend in 90 days
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RobinhoodRobinhood Gold CardCash back ·
3% cash back on all categories (Robinhood Gold membership required)
- Annual fee
- No fee
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SynchronyVerizon Visa CardCash back ·
4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Verizon Dollars)
- Annual fee
- No fee
- Regular APR
- 22.24%, 27.24% or 33.24% variable
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ChaseChase Freedom UnlimitedCash back ·
1.5% everything, 3% dining & drugstores, 5% Chase Travel
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $200 bonus after $500 spend in 3 months
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ChaseChase Freedom FlexCash back · 
5% rotating quarterly categories, 3% dining & drugstores, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $250 bonus after $500 spend in 3 months
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Capital OneCapital One Savor Cash RewardsCash back ·
3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel
- Annual fee
- No fee
- Intro APR
- 0% for 12 months on purchases and balance transfers
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $200 after $500 spend in 3 months
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PNCPNC Cash Rewards VisaCash back ·
4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on balance transfers made in the first 90 days
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $250 after $1,000 spend in 3 months
Terms checked on Oct. 26, 2026 on the issuer's own site. Rates and offers change; the issuer's page has the final terms.
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