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 2026-10-26, 18 cards qualify, led by Capital One Quicksilver, Capital One Savor, Chase Freedom Flex. 3 of them are at their all-time high. Amex offers are listed as 'as high as' and may vary by applicant.
By Tyler Kelly · Updated
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | $250 (Feb 2021-Feb 2022) per Doctor of Credit | $0 | 80% of record |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | $250 after $500 in 3 months (Jun 2026) per Doctor of Credit, the highest we found for the current no-annual-fee Savor (the discontinued $95-fee Savor offered $300-$500) | $0 | 80% of record |
| 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 |
| DiscoverDiscover it Cash Back | $200 bonus statement credit after $500 spend in 3 months, plus Unlimited Cashback Match (Discover matches all cash back earned in your first year) | Cashback Match plus a $200 bonus (May 23-Sep 6, 2026) per Doctor of Credit; today's offer ties it | $0 | AT RECORD |
| Wells FargoWells Fargo Active Cash | $100 after $500 spend in 3 months | $200 cash rewards bonus (from the 2021 launch; Doctor of Credit still lists a $200 offer after $1,500 in 6 months in Oct 2026) | $0 | 50% of record |
| 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 | Up to 60,000 points (Jan 2022, when the card had a $95 fee waived the first year) per Doctor of Credit; 30,000 ($300) Aug 2025-Jul 2026 | $0 | 33% of record |
| Wells FargoWells Fargo Autograph | 20,000 points after $1,000 spend in 3 months | 30,000 points ($300) (Aug 2022-Jul 2023; again from Nov 2023) per Doctor of Credit | $0 | 67% of record |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | $200 (Aug 2022-Jan 2023; again from Nov 2023); no higher public offer appears in Doctor of Credit's log | $0 | AT RECORD |
| American ExpressBlue Cash Everyday Card from American Express | $200 cash back after $2,000 spend in 6 months | $250 after $2,000 in 6 months (Jul 2022; a $250 link is also listed by Doctor of Credit in Oct 2026) | $0 | 80% of record |
| American ExpressHilton Honors American Express Card | 70,000 points + Free Night Reward after $2,000 spend in 6 months | 100,000 points + $100 statement credit (Feb-Mar 2021; Jun-Oct 2022) per Doctor of Credit | $0 | 70% of record |
| American ExpressBlue Business Cash Card from American Express | As high as $500 statement credit after $5,000 spend in 3 months (offer varies) | $750 via a YMMV/targeted link (Jul 2022 after $15,000; Apr 2025 and Apr 2026 after $6,000) per Doctor of Credit | $0 | Business 67% of record |
| American ExpressBlue Business Plus Card from American Express | As high as 50,000 points after $5,000 spend in 3 months (offer varies) | 75,000 points after $15,000 via a YMMV/targeted link (Jul 2022; Jan 2025; Dec 2025) per Doctor of Credit | $0 | Business 67% of record |
| ChaseChase Ink Business Cash | $750 (75,000 points) after $6,000 spend in 3 months | 100,000 points after $8,000 in 4 months (Jun 15-Sep 17, 2026) per Doctor of Credit | $0 | Business 75% of record |
| ChaseChase Ink Business Unlimited | $750 (75,000 points) after $6,000 spend in 3 months | 100,000 points after $8,000 in 4 months (Jun 15-Sep 17, 2026) per Doctor of Credit | $0 | Business 75% of record |
| 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 · how long to wait between bonuses · eligibility checker · all bonuses