Best No-Annual-Fee Credit Card Bonuses
Updated October 2026
Cards that cost nothing to keep but still pay a welcome bonus. Great first cards and easy keepers.
👩🍼 Mama's #1 pick:Top pick: Discover it® Card, Up to $300 in credits. Only $500 of spending for $300? That's one of the easiest bonuses around.
- #1
Discover (Capital One)
Discover it® Card
Up to $300 in credits
Spend $500 in 3 months · No annual fee
- #2
Bank of America
Bank of America® Unlimited Cash Rewards
$250 cash bonus
Spend $1,000 in 3 months · No annual fee
- #3
Chase
Chase Freedom Unlimited®
$200 bonus
Spend $500 in 3 months · No annual fee
- #4
Capital One
Capital One Quicksilver Rewards
$200 bonus
See terms · No annual fee
- #5
Chase
Chase Freedom® Visa Platinum
$200 bonus
Spend $500 in 3 months · No annual fee
Side-by-side comparison
| Offer | Bonus | Spend | Time | Annual fee |
|---|---|---|---|---|
| Discover it® Card | Up to $300 in credits | $500 | 3 mo | $0 |
| Bank of America® Unlimited Cash Rewards | $250 cash bonus | $1,000 | 3 mo | $0 |
| Chase Freedom Unlimited® | $200 bonus | $500 | 3 mo | $0 |
| Capital One Quicksilver Rewards | $200 bonus | — | — | $0 |
| Chase Freedom® Visa Platinum | $200 bonus | $500 | 3 mo | $0 |
FAQ
What is the best pick in best no-annual-fee credit card bonuses for October 2026?
Discover it® Card is our top pick right now: Up to $300 in credits. $100 statement credit after your first payment. $200 more after spending $500 in 3 months. No annual fee.
Are referral links different from regular sign-up links?
A referral link usually gives you the same or a better welcome offer than the public page, and the person who referred you may also earn a reward. It costs you nothing extra.
How often is this list updated?
Offers are re-checked regularly against each issuer's terms. Every offer guide shows its last-verified date. Always confirm the offer on the application page before applying.
More lists
ReferralMama may earn a referral reward if you use these links. Offers change and may differ for you. Check each issuer's terms before applying.