Best no-annual-fee credit cards with sign-up bonuses
No-annual-fee cards give you a welcome bonus with zero ongoing cost, and you can keep them open indefinitely to lengthen your credit history — which helps your score. They’re ideal first cards and good long-term keepers.
Every card below has no annual fee and a current sign-up bonus, ranked by value. Pair this list with our eligibility checker to see which you can actually get.
| # | Card | Bonus | Est. value | Min. spend | Annual fee |
|---|---|---|---|---|---|
| 1 | Southwest Personal Cards Chase | 85,000 points | ~$1,275 | $3,000 / 3mo | — |
| 2 | IHG One Rewards Traveler Credit Card Chase | 125,000 points | ~$1,250 | $4,000 / 6mo | None |
| 3 | Rewards Credit Card Northwest Federal Credit Union | 50,000 points | ~$1,000 | $5,000 / 4mo | — |
| 4 | Hilton Honors American Express Card American Express | 80,000 points | ~$800 | $2,000 / 6mo | None |
| 5 | Marriott Bonvoy Bold Card Chase | 60,000 points | ~$750 | $2,000 / 3mo | None |
| 6 | Wells Fargo Autograph Card Wells Fargo | 60,000 points | ~$600 | $1,000 / 3mo | None |
| 7 | Choice Privileges Wells Fargo | 60,000 points | ~$600 | $1,000 / 3mo | — |
| 8 | United Gateway℠ Card Chase | 40,000 miles | ~$520 | $1,000 / 3mo | None |
| 9 | Northwest Federal Credit Union Credit Card Northwest Federal Credit Union | 50,000 points | ~$500 | $5,000 / 4mo | — |
| 10 | Mastercard Lafayette Federal Credit Union | 50,000 points | ~$500 | $5,000 / 3mo | None |
| 11 | Bruin Edge Visa Wescom Credit Union | $500 cash back | ~$500 | $2,500 / 3mo | None |
| 12 | Royal ONE™ Bank of America | 45,000 points | ~$450 | $2,000 / 3mo | None |
| 13 | Double Cash Citi | 20,000 points | ~$400 | $1,500 / 6mo | None |
| 14 | Customized Cash Rewards Bank of America | $375 cash back | ~$375 | — | None |
| 15 | Citi Rewards+ Citi | 25,000 points | ~$350 | $1,500 | None |
Don’t apply blind — the biggest reason applications get denied is issuer eligibility rules. Check which of these you can actually get →
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Values are estimates based on our point valuations and current offers, which change frequently. See how we value rewards. Verify terms on the issuer’s site before applying.