Best Credit Card Bonuses With No Annual Fee
No-annual-fee credit card bonuses are useful when you want a lower-friction welcome offer, a keeper card, or cash-back rewards without a yearly cost.
Current matching offers
American Express Business Platinum Bonus — Up to 200,000 Points + 75,000 points
Credit CardAmerican Express
$5,500
American Express Business Gold Bonus — Up to 200,000 Points + 10,000 points
Credit CardAmerican Express
$4,200
American Express Platinum Bonus — Up to 175,000 Points
Credit CardAmerican Express
$3,500
Chase Sapphire Reserve for Business Bonus — Up to 150,000 Points
Credit CardChase
$3,000
Chase Sapphire Reserve Bonus — Up to 150,000 Points + 7,500 points
Credit CardChase
$3,150
Chase Ink Business Preferred Bonus — Up to 100,000 Points + 20,000 points
Credit CardChase
$2,400
Capital One Business Spark Cash Plus Bonus — Up to $2,000
Credit CardCapital One
$2,000
American Express Delta SkyMiles Reserve Bonus — Up to 125,000 Miles
Credit CardAmerican Express
$1,880
Citi Strata Elite Bonus — Up to 100,000 Points
Credit CardCiti
$1,600
Barclays JetBlue Premier Bonus — Up to 100,000 Miles
Credit CardBarclays
$1,500
Bank of America Atmos Rewards Summit Bonus — Up to 100,000 Points
Credit CardBank of America
$1,500
Citi AAdvantage Executive Bonus — Up to 100,000 Miles
Credit CardCiti
$1,500
Bank of America Atmos Summit Bonus — Up to 100,000 Points
Credit CardBank of America
$1,500
American Express Blue Business Plus Bonus — Up to 75,000 Points
Credit CardAmerican Express
$1,500
Citi AAdvantage Globe Bonus — Up to 90,000 Miles
Credit CardCiti
$1,350
Bank of America Atmos Ascent Bonus — Up to 80,000 Miles + 5,000 miles
Credit CardBank of America
$1,360
American Express Marriott Bonvoy Business Bonus — Up to 150,000 Points + 10,000 points
Credit CardAmerican Express
$1,280
Citi AAdvantage Platinum Select Bonus — Up to 80,000 Miles
Credit CardCiti
$1,200
Chase Southwest Rapid Rewards Bonus — Up to 90,000 Points + 10,000 points
Credit CardChase
$1,300
Citi AAdvantage Business Bonus — Up to 75,000 Miles
Credit CardCiti
$1,130
Chase United Explorer Bonus — Up to 75,000 Miles + 5,000 miles
Credit CardChase
$1,200
American Express Business Delta Bonus — Up to 90,000 Miles
Credit CardAmerican Express
$1,080
American Express Hilton Surpass Bonus — Up to 130,000 Points + 10,000 points
Credit CardAmerican Express
$1,120
Capital One Venture Business Bonus — Up to 100,000 Miles
Credit CardCapital One
$1,000
Barclays GM Business Card Bonus — Up to 100,000 Points
Credit CardBarclays
$1,000
Truist Premium Business Card Bonus — Up to $1,000
Credit CardTruist
$1,000
Truist Business Premium Card Bonus — Up to $1,000
Credit CardTruist
$1,000
Amegy Bank Amazing Business Bonus — Up to $1,000
Credit CardAmegy Bank
$1,000
Capital One Business Spark Cash Bonus — Up to $1,000 + $50
Credit CardCapital One
$1,050
Nevada State Bank AmaZing Cash Back Bonus — Up to $1,000
Credit CardNevada State Bank
$1,000
Wells Fargo Autograph Journey Bonus — Up to 60,000 Points
Credit CardWells Fargo
$960
Chase IHG One Rewards Premier Bonus — Up to 185,000 Points + 5,000 points
Credit CardChase
$950
Chase British Airways Bonus — Up to 75,000 Miles
Credit CardChase
$900
American Express Business Delta Bonus — Up to 60,000 Miles
Credit CardAmerican Express
$900
Bank of America Air France KLM FlyingBlue Bonus — Up to 70,000 Miles
Credit CardBank of America
$840
PNC BusinessOptions Bonus — Up to $800
Credit CardPNC
$800
Chase IHG Rewards Traveler Bonus — Up to 125,000 Points + 5,000 points
Credit CardChase
$780
Bank of America Premium Rewards Elite Bonus — Up to 75,000 Points
Credit CardBank of America
$750
Capital One VentureOne Business Bonus — Up to 50,000 Miles
Credit CardCapital One
$750
U.S. Bank Business Triple Cash Bonus — Up to $750
Credit CardU.S. Bank
$750
U.S. Bank Business Leverage Bonus — Up to $750
Credit CardU.S. Bank
$750
Capital One Business Spark Cash Select Bonus — Up to $750 + $50
Credit CardCapital One
$800
Bank of America Royal One Plus Bonus — Up to 70,000 Points
Credit CardBank of America
$700
Bank of America Spirit Free Spirit Bonus — Up to 65,000 Points
Credit CardBank of America
$650
Barclays JetBlue Plus Bonus — Up to 60,000 Points
Credit CardBarclays
$600
Bank of America Premium Rewards Bonus — Up to 60,000 Points
Credit CardBank of America
$600
Lafayette Federal Credit Union Mastercard Bonus — Up to 50,000 Points
Credit CardLafayette Federal Credit Union
$600
Wells Fargo Expedia One Key+ Card Bonus — Up to $600
Credit CardWells Fargo
$600
Landmark Credit Union Business Rewards Visa Bonus — Up to 50,000 Points
Credit CardLandmark Credit Union
$500
Northwest Federal NOW Plus Rewards Bonus — Up to 50,000 Points
Credit CardNorthwest Federal Credit Union
$500
Wells Fargo Signify Business Cash Bonus — Up to $500
Credit CardWells Fargo
$500
Bank of America Business Cash Rewards Bonus — Up to $500
Credit CardBank of America
$500
Northwest Federal Credit Union Checking Bonus — Up to 500 Points
Credit CardNorthwest Federal Credit Union
$500
Wescom Bruin Edge Visa Bonus — Up to $500
Credit CardWescom Credit Union
$500
Fremont Bank World Mastercard Bonus — Up to $500
Credit CardFremont Bank
$500
Ridgewood Savings Bank World Mastercard Bonus — Up to $500
Credit CardRidgewood Savings Bank
$500
American Express Blue Business Cash Bonus — Up to $500 + $250
Credit CardAmerican Express
$750
Bank of America Business Cash Rewards Bonus — Up to $500
Credit CardBank of America
$500
PenFed Pathfinder Rewards Bonus — Up to 50,000 Points + $25
Credit CardPenFed
$450
Wells Fargo Choice Privileges Bonus — Up to 60,000 Points
Credit CardWells Fargo
$360
Navy Federal Flagship Bonus — Up to 35,000 Points
Credit CardNavy Federal
$350
U.S. Bank Altitude Connect Bonus — Up to 20,000 Points
Credit CardU.S. Bank
$300
American Express Blue Cash Preferred Bonus — Up to $300 + $25
Credit CardAmerican Express
$330
U.S. Bank Shopper Cash Rewards Bonus — Up to $250
Credit CardU.S. Bank
$250
Capital One Savor Bonus — Up to $250
Credit CardCapital One
$250
U.S. Bank Amazon Prime Business Bonus — Up to $250
Credit CardU.S. Bank
$250
Citi AT&T Points Plus Bonus — Up to $250
Credit CardCiti
$250
U.S. Bank Cash+ Bonus — Up to $250
Credit CardU.S. Bank
$250
Chase Marriott Bonvoy Bold Bonus — Up to 30,000 Points + 20,000 points
Credit CardChase
$400
Regions Bank Prestige Credit Card Bonus — Up to $200
Credit CardRegions Bank
$200
Discover it Cash Back Bonus — Up to Unlimited cash back match in first year + $50
Credit CardDiscover
$350
Sallie Mae Evolve Bonus — Up to $200
Credit CardSallie Mae
$200
Citi Double Cash Bonus — Up to $200
Credit CardCiti
$200
Bank of America Unlimited Cash Rewards Bonus — Up to $200
Credit CardBank of America
$200
American Express Blue Cash Everyday Bonus — Up to $200
Credit CardAmerican Express
$200
Sallie Mae Accelerate & Evolve Bonus — Up to $200 + $25
Credit CardSallie Mae
$230
Regions Cash Rewards Bonus — Up to $200
Credit CardRegions Bank
$200
Wells Fargo Active Cash Bonus — Up to $200
Credit CardWells Fargo
$200
1st Source Bank Smart Business Rewards Bonus — Up to $200
Credit Card1st Source Bank
$200
FNBO Evergreen Business Bonus — Up to $200
Credit CardFNBO
$200
PNC Cash Rewards Bonus — Up to $200
Credit CardPNC
$200
Chase Freedom Unlimited Bonus — Up to $200 + $25
Credit CardChase
$230
Fidelity Rewards Visa Signature Bonus — Up to $150
Credit CardFidelity
$150
Apple Card Bonus — Up to $75 + $38
Credit CardApple
$110
Barclays Priceline Bonus — Up to $250
Credit CardBarclays
$2.5
Discover it Miles Bonus — Up to 100 Miles + $50
Credit CardDiscover
$150
Chase Marriott Bonvoy Boundless Bonus — Up to 20,000 points
Credit CardChase
$200
American Express EveryDay Bonus — Up to 3,750 points
Credit CardAmerican Express
$40
How to compare these offers
- Compare the welcome bonus against the required spend.
- Check whether the card has a true $0 annual fee or only waives it for the first year.
- Review issuer rules for repeat bonuses before applying.
Related pages
Frequently Asked Questions
Can no-annual-fee cards have good welcome bonuses?
Yes. The absolute bonus may be smaller than a premium card, but the net value can be strong because there is no annual fee to offset.
Should I keep a no-annual-fee card after earning the bonus?
Often yes, if it has useful rewards or helps your credit profile. Keeping a no-fee card open can be easier than managing a card with an ongoing annual fee.