Mejores tarjetas sin cuota anual de 2026
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Ordenadas por las condiciones publicadas de la tarjeta, nunca por lo que paga un emisor.
Las 10 mejores tarjetas · Ver las 122 en la lista completa
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U.S. BankU.S. Bank Cash+ Secured VisaAsegurada · 
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
- Cuota anual
- Sin cuota
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U.S. BankU.S. Bank Altitude Connect Visa SignatureViajes ·
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
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 billing cycles on purchases and balance transfers
- APR regular
- 17.74%–27.74% variable
- Bono de bienvenida
- 20,000 bonus points
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U.S. BankU.S. Bank Cash+ Visa SignatureReembolso en efectivo (cash back) ·
5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 billing cycles on purchases and balance transfers
- APR regular
- 17.99%–28.24% variable
- Bono de bienvenida
- $200 after $1,000 spend
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PenFed Credit UnionPenFed Platinum Rewards Visa SignatureReembolso en efectivo (cash back) ·
5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, 1x else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 12 months on balance transfers made in the first 60 days
- APR regular
- 17.99% variable
- Bono de bienvenida
- 15,000 points after $1,500 spend in 90 days
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RobinhoodRobinhood Gold CardReembolso en efectivo (cash back) ·
3% cash back on all categories (Robinhood Gold membership required)
- Cuota anual
- Sin cuota
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SynchronyVerizon Visa CardReembolso en efectivo (cash back) ·
4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Verizon Dollars)
- Cuota anual
- Sin cuota
- APR regular
- 22.24%, 27.24% or 33.24% variable
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ChaseChase Freedom UnlimitedReembolso en efectivo (cash back) ·
1.5% everything, 3% dining & drugstores, 5% Chase Travel
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on purchases and balance transfers
- APR regular
- 18.49%–27.99% variable
- Bono de bienvenida
- $200 bonus after $500 spend in 3 months
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ChaseChase Freedom FlexReembolso en efectivo (cash back) · 
5% rotating quarterly categories, 3% dining & drugstores, 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on purchases and balance transfers
- APR regular
- 18.49%–27.99% variable
- Bono de bienvenida
- $250 bonus after $500 spend in 3 months
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Capital OneCapital One Savor Cash RewardsReembolso en efectivo (cash back) ·
3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 12 months on purchases and balance transfers
- APR regular
- 18.74%–28.74% variable
- Bono de bienvenida
- $200 after $500 spend in 3 months
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PNCPNC Cash Rewards VisaReembolso en efectivo (cash back) ·
4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on balance transfers made in the first 90 days
- APR regular
- 18.74%–28.74% variable
- Bono de bienvenida
- $250 after $1,000 spend in 3 months
Condiciones revisadas el 26 de octubre de 2026 en el sitio del propio emisor. Las tasas y ofertas cambian; las condiciones finales están en la página del emisor.
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