Best no annual fee credit cards in the US for 2026

Verified Oct 16, 2026USD

Cards with no annual fee ranked by 3-year value on a couple's spending. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

Spending: Couple · $2,555/moRank these on my own spending

#1
Wells Fargo
One Key Card
No annual feeGroceries 3%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$908
Year 2+$658
3 years $2,224 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$908
Year 2+$658
Welcome or anniversary bonus$250 / $0Rewards on spending$658 / $658Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
3%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #1 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $2,224 after fees.
Year 1. $908 = welcome bonus $250 + rewards $658.
Each year after. $658 = rewards $658.
Against #2. Beats Chase IHG One Rewards by $53 over 3 years, mostly on rewards on spending (+$631).
Verified Oct 16, 2026Every term and assumption
#2
Chase
IHG One Rewards
No annual feeGroceries 3xDining 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $1,215, based on 0.59 cents per point
Year 2+estimated value, about $478, based on 0.59 cents per point
3 years estimated value, about $2,170, based on 0.59 cents per point after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,215, based on 0.59 cents per point
Year 2+estimated value, about $478, based on 0.59 cents per point
Welcome or anniversary bonus$738 / $0Rewards on spending$448 / $448Credits$30 / $30Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
3x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
2x
Air
Flights
5x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
2x
Stream
Streaming
2x
Drug
Drugstores
2x
Online
Online shopping
2x
Bills
Phone, internet and utilities
2x
Other
Everything else
Why it's ranked here
Ranked #2 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth about $2,170 (estimated) after fees.
Year 1. about $1,215 (estimated) = welcome bonus $738 + rewards $448 + credits $30.
Each year after. about $478 (estimated) = rewards $448 + credits $30.
Against #1. Trails Wells Fargo One Key Card by $53 over 3 years, mostly on rewards on spending (−$631).
Against #3. Beats Citi Double Cash by $131 over 3 years, mostly on welcome bonus (+$538).
Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#3
Citi
Double Cash
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$813
Year 2+$613
3 years $2,040 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$813
Year 2+$613
Welcome or anniversary bonus$200 / $0Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #3 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $2,040 after fees.
Year 1. $813 = welcome bonus $200 + rewards $613.
Each year after. $613 = rewards $613.
Against #2. Trails Chase IHG One Rewards by $131 over 3 years, mostly on welcome bonus (−$538).
Against #4. Beats Discover it Cash Back by $45 over 3 years, mostly on welcome bonus (+$200).
Verified Oct 16, 2026Every term and assumption
#4
Discover
it Cash Back
No annual feeGroceries 5%Dining 5%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$997
Year 2+$499
3 years $1,994 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$997
Year 2+$499
Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
5%
Groc
Groceries
5%
Dine
Dining and takeout
5%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
5%
Transit
Transit and rideshare
5%
Stream
Streaming
5%
Drug
Drugstores
1%
Online
Online shopping
5%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #4 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
Year 1. $997 = rewards $997.
Each year after. $499 = rewards $499.
Against #3. Trails Citi Double Cash by $45 over 3 years, mostly on welcome bonus (−$200).
Against #5. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#5
Discover
it Secured
No annual feeGroceries 5%Dining 5%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$997
Year 2+$499
3 years $1,994 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$997
Year 2+$499
Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
5%
Groc
Groceries
5%
Dine
Dining and takeout
5%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
5%
Transit
Transit and rideshare
5%
Stream
Streaming
5%
Drug
Drugstores
1%
Online
Online shopping
5%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #5 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
Year 1. $997 = rewards $997.
Each year after. $499 = rewards $499.
Against #4. Discover it Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #6. Discover it Student Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#6
Discover
it Student Cash Back
No annual feeGroceries 5%Dining 5%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$997
Year 2+$499
3 years $1,994 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$997
Year 2+$499
Rewards on spending$997 / $499Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
5%
Groc
Groceries
5%
Dine
Dining and takeout
5%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
5%
Transit
Transit and rideshare
5%
Stream
Streaming
5%
Drug
Drugstores
1%
Online
Online shopping
5%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #6 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,994 after fees.
Year 1. $997 = rewards $997.
Each year after. $499 = rewards $499.
Against #5. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #7. Beats Wells Fargo Active Cash by $55 over 3 years, mostly on rewards on spending (+$155).
Verified Oct 16, 2026Every term and assumption
#7
Wells Fargo
Active Cash
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$713
Year 2+$613
3 years $1,940 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$713
Year 2+$613
Welcome or anniversary bonus$100 / $0Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #7 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,940 after fees.
Year 1. $713 = welcome bonus $100 + rewards $613.
Each year after. $613 = rewards $613.
Against #6. Trails Discover it Student Cash Back by $55 over 3 years, mostly on rewards on spending (−$155).
Against #8. Beats U.S. Bank Cash+ by $85 over 3 years, mostly on rewards on spending (+$185).
Verified Oct 16, 2026Every term and assumption
#8
U.S. Bank
Cash+
No annual feeBills 5%Groceries 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$751
Year 2+$551
3 years $1,854 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$751
Year 2+$551
Welcome or anniversary bonus$200 / $0Rewards on spending$551 / $551Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
5%
Transit
Transit and rideshare
5%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
5%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #8 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,854 after fees.
Year 1. $751 = welcome bonus $200 + rewards $551.
Each year after. $551 = rewards $551.
Against #7. Trails Wells Fargo Active Cash by $85 over 3 years, mostly on rewards on spending (−$185).
Against #9. Beats Discover it Miles by $15 over 3 years, mostly on welcome bonus (+$200).
Verified Oct 16, 2026Every term and assumption
#9
Discover
it Miles
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$920
Year 2+$460
3 years $1,840 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$920
Year 2+$460
Rewards on spending$920 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #9 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,840 after fees.
Year 1. $920 = rewards $920.
Each year after. $460 = rewards $460.
Against #8. Trails U.S. Bank Cash+ by $15 over 3 years, mostly on welcome bonus (−$200).
Against #10. U.S. Bank Smartly Visa Signature is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#10
U.S. Bank
Smartly Visa Signature
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$613
Year 2+$613
3 years $1,840 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$613
Year 2+$613
Rewards on spending$613 / $613Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #10 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,840 after fees.
Year 1. $613 = rewards $613.
Each year after. $613 = rewards $613.
Against #9. Discover it Miles is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #11. Beats Chase Freedom Flex by $14 over 3 years, mostly on rewards on spending (+$264).
Verified Oct 16, 2026Every term and assumption
#11
Chase
Freedom Flex
No annual feeDining 5xGroceries 5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$775
Year 2+$525
3 years $1,826 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$775
Year 2+$525
Welcome or anniversary bonus$250 / $0Rewards on spending$525 / $525Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
5x
Groc
Groceries
5x
Dine
Dining and takeout
5x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
5x
Transit
Transit and rideshare
1x
Stream
Streaming
3x
Drug
Drugstores
5x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #11 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,826 after fees.
Year 1. $775 = welcome bonus $250 + rewards $525.
Each year after. $525 = rewards $525.
Against #10. Trails U.S. Bank Smartly Visa Signature by $14 over 3 years, mostly on rewards on spending (−$264).
Against #12. Beats Capital One Savor by $1 over 3 years, mostly on welcome bonus (+$50).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#12
Capital One
Savor
No annual feeGroceries 3%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$742
Year 2+$542
3 years $1,825 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$742
Year 2+$542
Welcome or anniversary bonus$200 / $0Rewards on spending$542 / $542Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
3%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
3%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #12 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,825 after fees.
Year 1. $742 = welcome bonus $200 + rewards $542.
Each year after. $542 = rewards $542.
Against #11. Trails Chase Freedom Flex by $1 over 3 years, mostly on welcome bonus (−$50).
Against #13. Beats American Express Blue Cash Everyday by $7 over 3 years, mostly on credits (−$101).
Verified Oct 16, 2026Every term and assumption
#13
American Express
Blue Cash Everyday
No annual feeGroceries 3%Online 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$706
Year 2+$556
3 years $1,819 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$706
Year 2+$556
Welcome or anniversary bonus$150 / $0Rewards on spending$523 / $523Credits$34 / $34Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
1%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
3%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #13 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,819 after fees.
Year 1. $706 = welcome bonus $150 + rewards $523 + credits $34.
Each year after. $556 = rewards $523 + credits $34.
Against #12. Trails Capital One Savor by $7 over 3 years, mostly on credits (+$101).
Against #14. Beats Chase Freedom Unlimited by $28 over 3 years, mostly on credits (+$101).
Not counted: Some visitors are offered $200; the lowest offer seen is counted (up to $50 more).
Verified Oct 16, 2026Every term and assumption
#14
Chase
Freedom Unlimited
No annual feeDining 3xDrugstores 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$730
Year 2+$530
3 years $1,790 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$730
Year 2+$530
Welcome or anniversary bonus$200 / $0Rewards on spending$530 / $530Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
3x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1.5x
Air
Flights
1.5x
Hotel
Hotels and car rentals
1.5x
Transit
Transit and rideshare
1.5x
Stream
Streaming
3x
Drug
Drugstores
1.5x
Online
Online shopping
1.5x
Bills
Phone, internet and utilities
1.5x
Other
Everything else
Why it's ranked here
Ranked #14 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,790 after fees.
Year 1. $730 = welcome bonus $200 + rewards $530.
Each year after. $530 = rewards $530.
Against #13. Trails American Express Blue Cash Everyday by $28 over 3 years, mostly on credits (−$101).
Against #15. Beats Wells Fargo Choice Privileges Mastercard by $43 over 3 years, mostly on rewards on spending (+$293).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#15
Wells Fargo
Choice Privileges Mastercard
No annual feeGroceries 3xBills 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $882, based on 0.75 cents per point
Year 2+estimated value, about $432, based on 0.75 cents per point
3 years estimated value, about $1,747, based on 0.75 cents per point after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $882, based on 0.75 cents per point
Year 2+estimated value, about $432, based on 0.75 cents per point
Welcome or anniversary bonus$450 / $0Rewards on spending$432 / $432Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
1x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
1x
Air
Flights
5x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
3x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #15 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth about $1,747 (estimated) after fees.
Year 1. about $882 (estimated) = welcome bonus $450 + rewards $432.
Each year after. about $432 (estimated) = rewards $432.
Against #14. Trails Chase Freedom Unlimited by $43 over 3 years, mostly on rewards on spending (−$293).
Against #16. Beats Bank of America Customized Cash Rewards by $46 over 3 years, mostly on welcome bonus (+$250).
Points valued at 0.75¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#16
Bank of America
Customized Cash Rewards
No annual feeGroceries 2%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$805
Year 2+$449
3 years $1,702 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$805
Year 2+$449
Welcome or anniversary bonus$200 / $0Rewards on spending$605 / $449Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
3%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
3%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
3%
Drug
Drugstores
3%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #16 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,702 after fees.
Year 1. $805 = welcome bonus $200 + rewards $605.
Each year after. $449 = rewards $449.
Against #15. Trails Wells Fargo Choice Privileges Mastercard by $46 over 3 years, mostly on welcome bonus (−$250).
Against #17. Beats Chase United Gateway by $6 over 3 years, mostly on rewards on spending (+$286).
Verified Oct 16, 2026Every term and assumption
#17
Chase
United Gateway
No annual feeGas 2xFlights 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $885, based on 1.2 cents per point
Year 2+estimated value, about $405, based on 1.2 cents per point
3 years estimated value, about $1,696, based on 1.2 cents per point after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $885, based on 1.2 cents per point
Year 2+estimated value, about $405, based on 1.2 cents per point
Welcome or anniversary bonus$480 / $0Rewards on spending$405 / $405Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
1x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
2x
Air
Flights
1x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #17 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth about $1,696 (estimated) after fees.
Year 1. about $885 (estimated) = welcome bonus $480 + rewards $405.
Each year after. about $405 (estimated) = rewards $405.
Against #16. Trails Bank of America Customized Cash Rewards by $6 over 3 years, mostly on rewards on spending (−$286).
Against #18. Beats Wells Fargo Autograph by $25 over 3 years, mostly on welcome bonus (+$280).
Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#18
Wells Fargo
Autograph
No annual feeDining 3xGas 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$690
Year 2+$490
3 years $1,671 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$690
Year 2+$490
Welcome or anniversary bonus$200 / $0Rewards on spending$490 / $490Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
3x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
3x
Air
Flights
3x
Hotel
Hotels and car rentals
3x
Transit
Transit and rideshare
3x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #18 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,671 after fees.
Year 1. $690 = welcome bonus $200 + rewards $490.
Each year after. $490 = rewards $490.
Against #17. Trails Chase United Gateway by $25 over 3 years, mostly on welcome bonus (−$280).
Against #19. Beats Citi Strata by $20 over 3 years, mostly on welcome bonus (+$200).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#19
Citi
Strata
No annual feeGroceries 3xDining 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$550
Year 2+$550
3 years $1,651 after fees· no fee to coverBonus not counted
Apply
Breakdown, earn rates and why it's ranked here
Year 1$550
Year 2+$550
Rewards on spending$550 / $550Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
2x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
3x
Transit
Transit and rideshare
3x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #19 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,651 after fees.
Year 1. $550 = rewards $550.
Each year after. $550 = rewards $550.
Against #18. Trails Wells Fargo Autograph by $20 over 3 years, mostly on welcome bonus (−$200).
Against #20. Beats Bank of America Travel Rewards by $21 over 3 years, mostly on rewards on spending (+$271).
Not counted. Welcome offer not counted: Bonus points after a spending requirement; the amounts don't load on Citi's page.
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#20
Bank of America
Travel Rewards
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$710
Year 2+$460
3 years $1,630 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$710
Year 2+$460
Welcome or anniversary bonus$250 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #20 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,630 after fees.
Year 1. $710 = welcome bonus $250 + rewards $460.
Each year after. $460 = rewards $460.
Against #19. Trails Citi Strata by $21 over 3 years, mostly on rewards on spending (−$271).
Against #21. Bank of America Unlimited Cash Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#21
Bank of America
Unlimited Cash Rewards
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$710
Year 2+$460
3 years $1,630 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$710
Year 2+$460
Welcome or anniversary bonus$250 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #21 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,630 after fees.
Year 1. $710 = welcome bonus $250 + rewards $460.
Each year after. $460 = rewards $460.
Against #20. Bank of America Travel Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #22. Beats Capital One Quicksilver by $50 over 3 years, mostly on welcome bonus (+$50).
Verified Oct 16, 2026Every term and assumption
#22
Capital One
Quicksilver
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$660
Year 2+$460
3 years $1,580 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$660
Year 2+$460
Welcome or anniversary bonus$200 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #22 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,580 after fees.
Year 1. $660 = welcome bonus $200 + rewards $460.
Each year after. $460 = rewards $460.
Against #21. Trails Bank of America Unlimited Cash Rewards by $50 over 3 years, mostly on welcome bonus (−$50).
Against #23. Beats Citi Costco Anywhere Visa by $120 over 3 years, mostly on welcome bonus (+$200).
Verified Oct 16, 2026Every term and assumption
#23
Citi
Costco Anywhere Visa
No annual feeDining 3%Gas 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$487
Year 2+$487
3 years $1,460 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$487
Year 2+$487
Rewards on spending$487 / $487Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
3%
Dine
Dining and takeout
4%
Gas
Gas and EV charging
3%
Air
Flights
3%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #23 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,460 after fees.
Year 1. $487 = rewards $487.
Each year after. $487 = rewards $487.
Against #22. Trails Capital One Quicksilver by $120 over 3 years, mostly on welcome bonus (−$200).
Against #24. Beats Chase Prime Visa by $8 over 3 years, mostly on rewards on spending (+$158).
Verified Oct 16, 2026Every term and assumption
#24
Chase
Prime Visa
No annual feeOnline 5%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$584
Year 2+$434
3 years $1,451 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$584
Year 2+$434
Welcome or anniversary bonus$150 / $0Rewards on spending$434 / $434Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
5%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #24 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,451 after fees.
Year 1. $584 = welcome bonus $150 + rewards $434.
Each year after. $434 = rewards $434.
Against #23. Trails Citi Costco Anywhere Visa by $8 over 3 years, mostly on rewards on spending (−$158).
Against #25. Beats Chase DoorDash Rewards Mastercard by $26 over 3 years, mostly on welcome bonus (+$150).
Verified Oct 16, 2026Every term and assumption
#25
Chase
DoorDash Rewards Mastercard
No annual feeGroceries 2%Dining 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$475
Year 2+$475
3 years $1,426 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$475
Year 2+$475
Rewards on spending$475 / $475Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
4%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #25 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,426 after fees.
Year 1. $475 = rewards $475.
Each year after. $475 = rewards $475.
Against #24. Trails Chase Prime Visa by $26 over 3 years, mostly on welcome bonus (−$150).
Against #26. Beats Chase Freedom Rise by $21 over 3 years, mostly on rewards on spending (+$46).
Verified Oct 16, 2026Every term and assumption
#26
Chase
Freedom Rise
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$485
Year 2+$460
3 years $1,405 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$485
Year 2+$460
Welcome or anniversary bonus$25 / $0Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1.5x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1.5x
Air
Flights
1.5x
Hotel
Hotels and car rentals
1.5x
Transit
Transit and rideshare
1.5x
Stream
Streaming
1.5x
Drug
Drugstores
1.5x
Online
Online shopping
1.5x
Bills
Phone, internet and utilities
1.5x
Other
Everything else
Why it's ranked here
Ranked #26 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,405 after fees.
Year 1. $485 = welcome bonus $25 + rewards $460.
Each year after. $460 = rewards $460.
Against #25. Trails Chase DoorDash Rewards Mastercard by $21 over 3 years, mostly on rewards on spending (−$46).
Against #27. Beats Discover it Chrome by $18 over 3 years, mostly on welcome bonus (+$25).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#27
Discover
it Chrome
No annual feeDining 2%Gas 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$693
Year 2+$347
3 years $1,386 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$693
Year 2+$347
Rewards on spending$693 / $347Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #27 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,386 after fees.
Year 1. $693 = rewards $693.
Each year after. $347 = rewards $347.
Against #26. Trails Chase Freedom Rise by $18 over 3 years, mostly on welcome bonus (−$25).
Against #28. Beats Capital One Quicksilver Secured by $7 over 3 years, mostly on rewards on spending (+$7).
Verified Oct 16, 2026Every term and assumption
#28
Capital One
Quicksilver Secured
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$460
Year 2+$460
3 years $1,380 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$460
Year 2+$460
Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #28 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
Year 1. $460 = rewards $460.
Each year after. $460 = rewards $460.
Against #27. Trails Discover it Chrome by $7 over 3 years, mostly on rewards on spending (−$7).
Against #29. Goldman Sachs Apple Card is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#29
Goldman Sachs
Apple Card
No annual feeGroceries 2%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$460
Year 2+$460
3 years $1,380 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$460
Year 2+$460
Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #29 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
Year 1. $460 = rewards $460.
Each year after. $460 = rewards $460.
Against #28. Capital One Quicksilver Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #30. Beats Chase Marriott Bonvoy Bold by $116 over 3 years, mostly on rewards on spending (+$444).
Verified Oct 16, 2026Every term and assumption
#30
Chase
Marriott Bonvoy Bold
No annual feeGroceries 2xBills 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $640, based on 0.73 cents per point
Year 2+estimated value, about $312, based on 0.73 cents per point
3 years estimated value, about $1,264, based on 0.73 cents per point after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $640, based on 0.73 cents per point
Year 2+estimated value, about $312, based on 0.73 cents per point
Welcome or anniversary bonus$329 / $0Rewards on spending$312 / $312Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2x
Groc
Groceries
1x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1x
Air
Flights
3x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
2x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
2x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #30 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth about $1,264 (estimated) after fees.
Year 1. about $640 (estimated) = welcome bonus $329 + rewards $312.
Each year after. about $312 (estimated) = rewards $312.
Against #29. Trails Goldman Sachs Apple Card by $116 over 3 years, mostly on rewards on spending (−$444).
Against #31. Beats Chase Amazon Visa by $3 over 3 years, mostly on welcome bonus (+$279).
Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#31
Chase
Amazon Visa
No annual feeDining 2%Online 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$454
Year 2+$404
3 years $1,261 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$454
Year 2+$404
Welcome or anniversary bonus$50 / $0Rewards on spending$404 / $404Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
3%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #31 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,261 after fees.
Year 1. $454 = welcome bonus $50 + rewards $404.
Each year after. $404 = rewards $404.
Against #30. Trails Chase Marriott Bonvoy Bold by $3 over 3 years, mostly on welcome bonus (−$279).
Against #32. Beats Capital One VentureOne by $587 over 3 years, mostly on rewards on spending (+$637).
Verified Oct 16, 2026Every term and assumption
#32
Capital One
VentureOne
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$292
Year 2+$192
3 years $675 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$292
Year 2+$192
Welcome or anniversary bonus$100 / $0Rewards on spending$192 / $192Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.25x
Groc
Groceries
1.25x
Dine
Dining and takeout
1.25x
Gas
Gas and EV charging
1.25x
Air
Flights
1.25x
Hotel
Hotels and car rentals
1.25x
Transit
Transit and rideshare
1.25x
Stream
Streaming
1.25x
Drug
Drugstores
1.25x
Online
Online shopping
1.25x
Bills
Phone, internet and utilities
1.25x
Other
Everything else
Why it's ranked here
Ranked #32 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $675 after fees.
Year 1. $292 = welcome bonus $100 + rewards $192.
Each year after. $192 = rewards $192.
Against #31. Trails Chase Amazon Visa by $587 over 3 years, mostly on rewards on spending (−$637).
Against #33. Beats Bank of America BankAmericard by $675 over 3 years, mostly on rewards on spending (+$575).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#33
Bank of America
BankAmericard
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+$0
3 years $0 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+$0
Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #33 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $0 after fees.
Year 1. $0 = nothing.
Each year after. $0 = nothing.
Against #32. Trails Capital One VentureOne by $675 over 3 years, mostly on rewards on spending (−$575).
Against #34. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#34
Capital One
Platinum
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+$0
3 years $0 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+$0
Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #34 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $0 after fees.
Year 1. $0 = nothing.
Each year after. $0 = nothing.
Against #33. Bank of America BankAmericard is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #35. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#35
Chase
Slate
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+$0
3 years $0 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+$0
Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #35 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $0 after fees.
Year 1. $0 = nothing.
Each year after. $0 = nothing.
Against #34. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #36. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#36
Chase
Slate Edge
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+$0
3 years $0 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+$0
Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #36 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $0 after fees.
Year 1. $0 = nothing.
Each year after. $0 = nothing.
Against #35. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Against #37. Wells Fargo Reflect is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption
#37
Wells Fargo
Reflect
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+$0
3 years $0 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+$0
Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #37 of 37. By 3-year value on the couple preset's spending. Over 3 years it's worth $0 after fees.
Year 1. $0 = nothing.
Each year after. $0 = nothing.
Against #36. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

More best-of lists

The ranking in numbers

Couple preset, $2,555 a month, after fees. "~" marks estimates.

Card	Year 1	Year 2+	3 years
Wells Fargo One Key Card	$908	$658	$2,224
Chase IHG One Rewards	~$1,215	~$478	~$2,170
Citi Double Cash	$813	$613	$2,040
Discover it Cash Back	$997	$499	$1,994
Discover it Secured	$997	$499	$1,994
Discover it Student Cash Back	$997	$499	$1,994
Wells Fargo Active Cash	$713	$613	$1,940
U.S. Bank Cash+	$751	$551	$1,854
Discover it Miles	$920	$460	$1,840
U.S. Bank Smartly Visa Signature	$613	$613	$1,840

Frequently asked questions

What are the best no annual fee credit cards?

On couple spending ($2,555 a month), Wells Fargo One Key Card ranks first: $908 in year 1 and $658 a year after fees.

How were these cards picked?

Cards with no annual fee ranked by 3-year value on a couple's spending. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.

Will the order be the same for me?

Only if you spend like the preset. Spending more in a card's bonus categories moves it up. Set your own numbers in the tool to see your order.

Sources

Estimates for information only; not financial advice. See how cards are ranked.