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Best Credit Card Bonuses With No Annual Fee (2026)

You don't need to pay an annual fee to earn a great sign-up bonus. Several popular credit cards offer welcome bonuses worth $150–$300 or more with no yearly cost. Here are the best no-annual-fee credit card bonuses available right now.

No Annual Fee Cards

Citi

Citi Double Cash Bonus — Up to $200

$200 after $1,500 spend in 6 months

$200No fee
Bank of America

Bank of America Unlimited Cash Rewards Bonus — Up to $200

$200 after $1,000 in purchases

$200No fee
Discover

Discover it Miles Bonus — Up to $100

$100 statement credit

$100No fee
Discover

Discover it Cash Back Bonus — Up to $100

$100 bonus + 2X cash back first year

$100No fee

Other Credit Card Offers

These cards may have an annual fee. Check each offer for details.

Chase

Chase British Airways Credit Card Bonus — Up to 90,000 Avios

90,000 Avios after $5,000 spend

$90000
American Express

American Express Business Platinum Bonus — Up to 300,000 Points

Up to 300,000 points

$3000
American Express

American Express Marriott Business Bonus — Up to 5 Free Nights

5 Free Nights (up to 50,000 points each)

$2500
Capital One

Capital One Spark Cash Plus Bonus — Up to $2,000

$2,000 when you spend $30,000 in first 3 months

$2000
Chase

Chase IHG Premier Business Card Bonus — Up to 200,000 Points

Up to 200,000 bonus points

$2000
American Express

American Express Marriott Bonvoy Bevy Bonus — Up to 175,000 Points

175,000 Marriott Bonvoy points

$1750
Chase

Chase IHG Rewards Premier Card Bonus — Up to 175,000 Points

175,000 bonus points

$1750
American Express

American Express Hilton Business Bonus — Up to 175,000 Points

175,000 points + Free Night

$1750
American Express

American Express Hilton Surpass Bonus — Up to 130,000 Points

130,000 points + free night

$1300
American Express

American Express Delta SkyMiles Reserve Bonus — Up to 125,000

Up to 125,000 bonus miles

$1250
Chase

Chase Sapphire Reserve Bonus — Up to 125,000 Points

Up to 125,000 points

$1250
Barclays

Barclays GM Business Credit Card Bonus — Up to 100,000 Points

100,000 points after $5,000 spend

$1000
Chase

Chase Ink Business Preferred Bonus — Up to 100,000 Points

100,000 points after $8,000 spend

$1000
Citi

Citi AAdvantage Executive Bonus — Up to 100,000 Miles

100,000 miles after $10,000 spend

$1000
Capital One

Capital One Business Spark Cash Bonus — Up to $1,000

Earn $1,000 when you spend $10,000 in 3 months

$1000
Chase

Chase United Quest Card Bonus — Up to 100,000 Miles

100,000 miles + 3,000 PQP

$1000
Citi

Citi Strata Elite Bonus — Up to 100,000 Points

100,000 points after $6,000 spend

$1000
Truist

Truist Business Premium Card Bonus — Up to $1,000

$1,000 bonus after $15,000 spend

$1000
Citi

Citi AAdvantage Globe Credit Card Bonus — Up to 90,000 Miles

90,000 miles after $5,000 spend

$900
Chase

Chase Aeroplan Credit Card Bonus — Up to 85,000 Points

85,000 points after $4,000 spend

$850
Chase

Chase United Explorer Bonus — Up to 85,000 Miles

Up to 85,000 miles bonus

$850
Chase

Chase World of Hyatt Business Bonus — Up to 80,000 Points

80,000 points after $10,000 spend

$800
PNC

PNC BusinessOptions Credit Card Bonus — Up to $800

Up to $800 bonus

$800
Citi

Citi AAdvantage Platinum Select Bonus — Up to 80,000 Miles

80,000 miles after $3,500 spend

$800
American Express

American Express Blue Business Plus Bonus — Up to 75,000 Points

75,000 points after $6,000 spend

$750
Barclays

Barclays JetBlue Plus Bonus — Up to 75,000 Points

75,000 bonus points

$750
Capital One

Capital One Venture Bonus — Up to $1,000

75,000 miles + $250 travel credit

$750
Capital One

Capital One Business Spark Cash Select Bonus — Up to $750

$750 bonus when you spend $6,000

$750
American Express

American Express Business Delta Bonus — Up to 70,000 Miles

70,000 bonus miles + $200 flight credit

$700
Lafayette Federal Credit Union

Lafayette Federal Credit Union Mastercard Bonus — Up to $650

Up to $650 in flights or $600 gift card

$650
Wells Fargo

Wells Fargo One Key+ Credit Card Bonus — Up to $600

$600 in OneKeyCash bonus

$600
Synchrony

Synchrony Virgin Red Bonus — Up to $200

60,000 points + $200 credit

$600
Chase

Chase Marriott Bold Bonus — Up to $60,000

60,000 points + free night

$600
Ridgewood Savings Bank

Ridgewood Savings Bank Credit Card Bonus — Up to $500

$500 bonus after $5,000 spend

$500
American Express

American Express Delta Gold Bonus — Up to 50,000 Miles

50,000 miles + $400 credit

$500
PenFed

PenFed Pathfinder Rewards Bonus — Up to $50,000 Points

50,000 points + possible $50 referral

$500
American Express

American Express Blue Business Cash Bonus — Up to $750

$500 when you spend $5,000

$500
Wescom Credit Union

Wescom Bruin Edge Credit Card Bonus — Up to $500

$500 with $2,500 spend in 90 days

$500
Northwest Federal Credit Union

Northwest Federal Credit Union Credit Card Bonus — Up to $500

50,000 points ($500) after $5k spend

$500
Landmark Credit Union

Landmark Credit Union Business Credit Card Bonus — Up to $500

Up to $500 bonus

$500
Fremont Bank

Fremont Bank World Mastercard Bonus — Up to $500

$500 after $5,000 spend

$500
Wells Fargo

Wells Fargo Signify Business Bonus — Up to $500

Up to $500 bonus

$500
American Express

American Express Business Gold Bonus — Up to 35,000 Points

35,000 points bonus

$350
Navy Federal Credit Union

Navy Federal Flagship Credit Card Bonus — Up to $350

35,000 points + Free Amazon Prime

$350
Barclays

Barclays Upromise Bonus — Up to $300

Up to $300 bonus when you spend $1,000

$300
American Express

American Express Blue Cash Preferred Bonus — Up to $300

Up to $300 bonus

$300
U.S. Bank

U.S. Bank Shopper Cash Rewards Bonus — Up to $250

$250 after $2,000 in purchases

$250
FNBO

FNBO Evergreen Business Card Bonus — Up to $200

Up to $200 bonus

$200
Citi

Citi AT&T Points Plus Bonus — Up to $200

Up to $200 cash bonus

$200
Chase

Chase Marriott Bonvoy Boundless Bonus — Up to $500

Up to 4 Free Nights + $100 airline credit

$200
1st Source Bank

1st Source Bank Business Credit Card Bonus — Up to $200

Up to $200 bonus

$200
Regions Bank

Regions Bank Credit Card Bonus — Up to $200

Up to $200 bonus

$200
Wells Fargo

Wells Fargo Credit Card Bonus — Up to $200

Up to $200 bonus

$200
Sallie Mae

Sallie Mae Credit Card Bonus — Up to $200

$200 bonus after $1,000 spend

$200
FNBO

FNBO Evergreen Business Card Bonus — Up to $200

Up to $200 bonus

$200
Fidelity

Fidelity Rewards Visa Signature Card Bonus — Up to $150

Up to $150 bonus

$150
Huntington

Huntington Voice Business Bonus — Up to $150

$150 bonus + 8% categories

$150
Chase

Chase Marriott Bonvoy Boundless Bonus — Up to $100

4 Free Nights + Up to $100 Airline Credit

$100
United

United MileagePlus Debit Bonus — Up to 10,000 Miles

10,000 miles after $500 spending

$100
Apple

Apple Card Bonus — Up to $75

$75 when you spend $75

$75
Zions Bancorporation (Amegy Bank, Vectra Bank, California Bank & Trust, National Bank of Arizona, Zions Bank, Nevada State Bank)

AmaZing Business Credit Card Bonus — Up to $1,000

Up to $1,000 bonus or 100,000 points

$10

Tips for Choosing a No-Fee Card

  • Compare the sign-up bonus amount relative to the spending requirement — lower spend thresholds are easier to hit.
  • Look at ongoing rewards: a no-fee card with 2% cash back can earn you more long-term than a one-time bonus.
  • Check if the card offers a 0% intro APR period, which can be valuable if you need to finance a large purchase.
  • Consider whether the card reports to all three credit bureaus — useful for building credit.
  • Read the fine print for foreign transaction fees if you travel internationally.

Want to see all credit card offers, including premium cards with annual fees? Browse all credit card offers →