BonusCeilingBest no-annual-fee credit card bonuses (Oct 2026)
Cards with a $0 annual fee (not just waived for the first year), sorted by the lowest minimum spend. As of 2026-10-16, 18 cards qualify, led by Capital One Quicksilver, Capital One Savor, Chase Freedom Flex. 1 of them are at their all-time high. Amex offers are listed as 'as high as' and may vary by applicant.
By TK · Updated
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| ChaseChase Freedom Flex | $250 after $500 spend in 3 months | $250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy | $0 | AT RECORD |
| ChaseChase Freedom Unlimited | $200 after $500 spend in 3 months | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories | $0 | 67% of record |
| Wells FargoWells Fargo Active Cash | $100 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Customized Cash Rewards | $200 after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Travel Rewards | 25,000 points ($250 value) after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| U.S. BankU.S. Bank Altitude Connect | 20,000 points after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Wells FargoWells Fargo Autograph | 20,000 points after $1,000 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | Unknown (not verified) | $0 | History unknown |
| American ExpressBlue Cash Everyday Card from American Express | $150 cash back after $2,000 spend in 6 months | Unknown (not verified) | $0 | History unknown |
| American ExpressHilton Honors American Express Card | 70,000 points + Free Night Reward after $2,000 spend in 6 months | Unknown (not verified) | $0 | History unknown |
| American ExpressBlue Business Cash Card from American Express | As high as $500 statement credit after $5,000 spend in 3 months (offer varies) | Unknown (not verified) | $0 | Business History unknown |
| American ExpressBlue Business Plus Card from American Express | As high as 50,000 points after $5,000 spend in 3 months (offer varies) | Unknown (not verified) | $0 | Business History unknown |
| ChaseChase Ink Business Cash | $750 (75,000 points) after $6,000 spend in 3 months | 90,000 points after $6,000 (recurring) | $0 | Business 83% of record |
| ChaseChase Ink Business Unlimited | $750 (75,000 points) after $6,000 spend in 3 months | 90,000 points after $6,000 (recurring) | $0 | Business 83% of record |
| DiscoverDiscover it Cash Back | Unlimited Cashback Match: Discover matches all cash back earned in your first year (no minimum spend) | Unknown (not verified) | $0 | History unknown |
| DiscoverDiscover it Miles | Unlimited Miles Match: Discover matches all miles earned in your first year (no minimum spend) | Unknown (not verified) | $0 | History unknown |
See also: issuer rules · eligibility checker · all bonuses