Best No-Annual-Fee Credit Cards of 2026
Strong rewards with a $0 annual fee — ranked by current welcome offer value.
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#1
American Airlines AAdvantage® MileUp® Card
Welcome offer: Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
Rewards: Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening. Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
No annual fee
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#2
AT&T Points Plus® Card from Citi
Welcome offer: Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
Rewards: Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. Earn a $10 per line monthly discount on your AT&T wireless bill and a $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T. Earn a $20 statement credit on your AT&T Points Plus® Card from Citi each billing cycle after you spend $1,000 or more on purchases. That's up to $240 a year!
No annual fee
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#3
Blue Cash Everyday® Card from American Express
Welcome offer: Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
Rewards: Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
No annual fee
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#4
Blue Cash Preferred® Card from American Express
Welcome offer: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
Rewards: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout. Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do. Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
No annual fee
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#5
CareCredit Credit Card
Welcome offer: CareCredit is a health and wellness credit card with flexible financing options so you can pay over time for care you want or need.*
Rewards: Earn points on eligible purchases if approved for the CareCredit Rewards Mastercard
No annual fee
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#6
CareCredit Rewards Mastercard®
Welcome offer: CareCredit is a health and wellness credit card with flexible financing options so you can pay over time for care you want or need.*
Rewards: Earn points on eligible purchases if approved for the CareCredit Rewards Mastercard
No annual fee
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#7
Chase Freedom Rise®
Welcome offer: Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
Rewards: Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening. Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
No annual fee
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#8
Chase Freedom Unlimited®
Welcome offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Rewards: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
No annual fee
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#9
Chase Sapphire Preferred® Card
See terms
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#10
CIT Platinum Savings
See terms
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Offer figures come from issuer feed data refreshed every few hours. Terms apply — verify the current offer on the issuer's site before applying.