Credit cards with no annual fee
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Credit cards with no annual fee: 34 current offers are compared, including personal and business cards; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among credit cards with no annual fee with a confirmed value, Capital One Spark Cash Select for Business and Chase Ink Business Cash and Chase Ink Business Unlimited and U.S. Bank Business Triple Cash Rewards tie for the highest estimated first-year value after fees at $750, using cash redemption. The lowest annual fee among credit cards with no annual fee is $0. Opening any of the 26 personal cards compared for credit cards with no annual fee adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
A $0 annual fee does not mean a card has no costs. Check interest, transfer, foreign-transaction and late-payment terms at the issuer.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankNo Annual Fee: 34 available offers, ordered by conditional cash value after fees.
Offers for No Annual Fee to compare
1. Capital One Spark Cash Select for Business
Welcome offer: $750 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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2. Chase Ink Business Cash
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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3. Chase Ink Business Unlimited
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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4. U.S. Bank Business Triple Cash Rewards
Welcome offer: $750 cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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5. Bank of America Business Advantage Unlimited Cash Rewards
Welcome offer: $500 statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $500.
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6. Bank of America Business Advantage Travel Rewards
Welcome offer: 50,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $500.
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7. American Express Blue Business Cash
Welcome offer: $250 statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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8. Bank of America Travel Rewards
Welcome offer: 25,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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9. Bank of America Unlimited Cash Rewards
Welcome offer: $250 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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10. Chase Freedom Flex
Welcome offer: $250 bonus cash back (25,000 points redeemable for $250). Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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11. Bank of America Customized Cash Rewards
Welcome offer: $200 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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12. Capital One Quicksilver Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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13. Capital One Savor Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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14. Chase Freedom Unlimited
Welcome offer: $200 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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15. Citi Double Cash
Welcome offer: 20,000 ThankYou points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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16. Discover it Cash Back
Welcome offer: $200 statement credit after $500/3 months + unlimited first-year Cashback Match. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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17. U.S. Bank Altitude Connect Visa Signature
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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18. U.S. Bank Altitude Go Visa Signature
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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19. U.S. Bank Cash+ Visa Signature
Welcome offer: $200 cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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20. Wells Fargo Autograph Visa
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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21. Wells Fargo Active Cash Card
Welcome offer: $100 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $100.
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22. American Express Blue Business Plus
Welcome offer: 15,000 Membership Rewards points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $90.
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23. American Express Blue Cash Everyday
Welcome offer: As high as $200 cash back in Reward Dollars, redeemable as a statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
Bonus up to $200 with conditions. This ceiling is excluded from the estimate.
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24. American Express Delta SkyMiles Blue
Welcome offer: 10,000 Delta miles. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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25. American Express Hilton Honors
Welcome offer: 70,000 Hilton Honors points + 1 award-night certificate. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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26. Barclays JetBlue Card
Welcome offer: 10,000 TrueBlue points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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27. Capital One Platinum Secured
Welcome offer: None. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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28. Chase IHG One Rewards Credit Card
Welcome offer: 125,000 IHG points after spending + 10,000 authorized-user add (up to 135,000). Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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29. Chase Marriott Bonvoy Bold
Welcome offer: 45,000 Marriott Bonvoy points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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30. Chase United Gateway
Welcome offer: Up to 50,000 United miles: 40,000 after spending + 10,000 authorized-user add. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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31. Chime Card (formerly Chime Credit Builder)
Welcome offer: None. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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32. Citi AAdvantage MileUp
Welcome offer: 15,000 AAdvantage miles + $100 statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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33. Discover it Miles
Welcome offer: Miles Match (first year). Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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34. Wells Fargo Choice Privileges Mastercard
Welcome offer: 60,000 Choice Privileges points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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Compare requirements and conditional value
No Annual Fee estimates use cash redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (cash) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Capital One Spark Cash Select for Business | $0 | $6,000 in 3 months | $750 | Capital One Spark Cash Select for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Ink Business Cash | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Ink Business Unlimited | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Business Triple Cash Rewards | $0 | $6,000 in 6 months | $750 | U.S. Bank Business Triple Cash Rewards: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Business Advantage Unlimited Cash Rewards | $0 | $5,000 in 3 months | $500 | Bank of America Business Advantage Unlimited Cash Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Business Advantage Travel Rewards | $0 | $5,000 in 3 months | $500 | Bank of America Business Advantage Travel Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Blue Business Cash | $0 | $3,000 in 3 months | $250 | American Express Blue Business Cash: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Travel Rewards | $0 | $1,000 in 3 months | $250 | Bank of America's terms say the Bank of America Travel Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Unlimited Cash Rewards | $0 | $1,000 in 3 months | $250 | Bank of America's terms say the Bank of America Unlimited Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Flex | $0 | $500 in 3 months | $250 | Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Customized Cash Rewards | $0 | $1,000 in 3 months | $200 | Bank of America's terms say the Bank of America Customized Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Capital One Quicksilver Cash Rewards | $0 | $500 in 3 months | $200 | Capital One's terms say the Capital One Quicksilver Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Capital One Savor Cash Rewards | $0 | $500 in 3 months | $200 | Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Unlimited | $0 | $500 in 3 months | $200 | Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Citi Double Cash | $0 | $1,500 in 6 months | $200 | Citi's terms say the Citi Double Cash welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Discover it Cash Back | $0 | $500 in 3 months | $200 | Discover it Cash Back: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.Issuer terms | Network: Discover.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Altitude Connect Visa Signature | $0 | $1,000 in 3 months | $200 | US Bank's terms say the U.S. Bank Altitude Connect Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Altitude Go Visa Signature | $0 | $1,000 in 3 months | $200 | US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Cash+ Visa Signature | $0 | $1,000 in 3 months | $200 | US Bank's terms say the U.S. Bank Cash+ Visa Signature welcome offer is unavailable if you have or had the card.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Wells Fargo Autograph Visa | $0 | $1,000 in 3 months | $200 | Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Wells Fargo Active Cash Card | $0 | $500 in 3 months | $100 | Wells Fargo's terms say the Wells Fargo Active Cash Card welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Blue Business Plus | $0 | $3,000 in 3 months | $90 | American Express Blue Business Plus: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Blue Cash Everyday | $0 | $2,000 in 6 months | $0 | American Express Blue Cash Everyday: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0.Personalized bonus up to $200 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Delta SkyMiles Blue | $0 | $1,000 in 6 months | $0 | American Express Delta SkyMiles Blue: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| American Express Hilton Honors | $0 | $2,000 in 6 months | $0 | American Express Hilton Honors: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Barclays JetBlue Card | $0 | $1,000 in 3 months | $0 | Barclays JetBlue Card: Prior ownership may affect this offer. Wyndham incentives are intended for first-time holders of the specific card; repeat bonuses may be revoked. A fixed waiting period does not assure eligibility.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Capital One Platinum Secured | $0 | No purchase threshold recorded | $0 | Capital One Platinum Secured: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Chase IHG One Rewards Credit Card | $0 | $2,000 in 3 months | $0 | Chase's terms say you cannot open the card while you hold it, and the Chase IHG One Rewards Credit Card welcome offer is unavailable if you received its welcome bonus within the past 24 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Chase Marriott Bonvoy Bold | $0 | $1,000 in 3 months | $0 | Chase's terms say you cannot open the card while you hold it, and the Chase Marriott Bonvoy Bold welcome offer is unavailable if you received its welcome bonus within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Chase United Gateway | $0 | $1,000 in 3 months | $0 | Chase's terms say the Chase United Gateway welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Chime Card (formerly Chime Credit Builder) | $0 | No purchase threshold recorded | $0 | Chime Card (formerly Chime Credit Builder): You need a Chime Checking Account and funds in the secured account to use this card. A closed Chime Card cannot currently be reopened.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Citi AAdvantage MileUp | $0 | $500 in 3 months | $0 | Citi's terms say the Citi AAdvantage MileUp welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Discover it Miles | $0 | No purchase threshold recorded | $0 | Discover it Miles: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.Issuer terms | Network: Discover.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
| Wells Fargo Choice Privileges Mastercard | $0 | $1,000 in 3 months | $0 | Wells Fargo's terms say the Wells Fargo Choice Privileges Mastercard new-account application may be unavailable if you currently hold the card, and the Wells Fargo Choice Privileges Mastercard welcome offer may be unavailable if you opened the card within the past 15 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0.No fixed cash bonus amount counted. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards and Capital One Platinum Secured: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Spark Cash Select for Business and Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards and Capital One Platinum Secured: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited and Chase IHG One Rewards Credit Card and Chase Marriott Bonvoy Bold and Chase United Gateway: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited and Chase IHG One Rewards Credit Card and Chase Marriott Bonvoy Bold and Chase United Gateway: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
U.S. Bank Business Triple Cash Rewards and U.S. Bank Altitude Connect Visa Signature and U.S. Bank Altitude Go Visa Signature and U.S. Bank Cash+ Visa Signature: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.
Bank of America Travel Rewards and Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards: Applicants report limits of two Bank of America consumer approvals in two months, three in 12, and four in 24. Exceptions may occur.
Bank of America Business Advantage Unlimited Cash Rewards and Bank of America Business Advantage Travel Rewards and Bank of America Travel Rewards and Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.
Bank of America Business Advantage Unlimited Cash Rewards: This Bank of America business offer may be declined if the same business entity currently has or held another BofA business card in the last 24 months.
American Express Blue Business Cash and American Express Blue Business Plus and American Express Blue Cash Everyday and American Express Delta SkyMiles Blue and American Express Hilton Honors: Applicants report a usual five-day gap between Amex lending-card approvals. This is an observed limit, not a published guarantee. Amex usually allows no more than two lending-card approvals in 90 days. Reported exceptions do not guarantee approval. Amex usually limits applicants to five lending cards in total, including business cards. Exceptions have been reported.
Citi Double Cash and Citi AAdvantage MileUp: Applicants report 8-day spacing and no more than 2 Citi applications in 65 days. This is unpublished and exceptions occur.
Discover it Cash Back and Discover it Miles: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.
Wells Fargo Autograph Visa and Wells Fargo Active Cash Card and Wells Fargo Choice Privileges Mastercard: You may not qualify for another Wells Fargo consumer card if you opened one within the last four months.
Wells Fargo Autograph Visa and Wells Fargo Active Cash Card and Wells Fargo Choice Privileges Mastercard: Wells Fargo may consider recently opened accounts across banks. Reports conflict on a fixed 24-month cutoff.
Barclays JetBlue Card: Barclays may be sensitive to six or more recent cards in 24 months; applicant reports include exceptions.
Barclays JetBlue Card: consider leaving 6 months between personal applications. A conservative personal-card spacing preference; exceptions are reported.
Chime Card (formerly Chime Credit Builder): You need a Chime Checking Account and funds in the secured account to use this card. A closed Chime Card cannot currently be reopened.
Welcome offers and prior-card history
Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase United Gateway welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say you cannot open the card while you hold it, and the Chase IHG One Rewards Credit Card welcome offer is unavailable if you received its welcome bonus within the past 24 months.
Chase's terms say you cannot open the card while you hold it, and the Chase Marriott Bonvoy Bold welcome offer is unavailable if you received its welcome bonus within the past 24 months.
Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Capital One's terms say the Capital One Quicksilver Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Citi's terms say the Citi AAdvantage MileUp welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Citi's terms say the Citi Double Cash welcome offer is unavailable if you received its welcome bonus within the past 48 months.
US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.
US Bank's terms say the U.S. Bank Altitude Connect Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.
US Bank's terms say the U.S. Bank Cash+ Visa Signature welcome offer is unavailable if you have or had the card.
Bank of America's terms say the Bank of America Unlimited Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.
Bank of America's terms say the Bank of America Customized Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.
Bank of America's terms say the Bank of America Travel Rewards new-account application may be unavailable if you held the card within the past 24 months.
Wells Fargo's terms say the Wells Fargo Choice Privileges Mastercard new-account application may be unavailable if you currently hold the card, and the Wells Fargo Choice Privileges Mastercard welcome offer may be unavailable if you opened the card within the past 15 months.
Wells Fargo's terms say the Wells Fargo Active Cash Card welcome offer may be unavailable if you opened the card within the past 48 months.
Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.
American Express Blue Business Cash: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Blue Business Plus: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Blue Cash Everyday: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Delta SkyMiles Blue: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Hilton Honors: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
Chase's terms say you cannot open the Chase Ink Business Cash while you hold it.
Chase's terms say you cannot open the Chase Ink Business Unlimited while you hold it.
Barclays JetBlue Card: Prior ownership may affect this offer. Wyndham incentives are intended for first-time holders of the specific card; repeat bonuses may be revoked. A fixed waiting period does not assure eligibility.
Capital One Spark Cash Select for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.
Effect on Chase 5/24
Capital One Spark Cash Select for Business is a business card that reports to personal bureaus and can add to Chase's 5/24 count.
Chase Ink Business Cash: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Ink Business Unlimited: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
U.S. Bank Business Triple Cash Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Business Advantage Unlimited Cash Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Business Advantage Travel Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Blue Business Cash is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Travel Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Unlimited Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Freedom Flex is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Customized Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Quicksilver Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Savor Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Freedom Unlimited is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Citi Double Cash is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Discover it Cash Back is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Altitude Connect Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Altitude Go Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Cash+ Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Autograph Visa is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Active Cash Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Blue Business Plus is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Blue Cash Everyday is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Delta SkyMiles Blue is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Hilton Honors is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Barclays JetBlue Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Platinum Secured is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase IHG One Rewards Credit Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Marriott Bonvoy Bold is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase United Gateway is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chime Card (formerly Chime Credit Builder) is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Citi AAdvantage MileUp is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Discover it Miles is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Choice Privileges Mastercard is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Issuer terms: Capital One Spark Cash Select for Business and Chase Ink Business Cash and Chase Ink Business Unlimited and U.S. Bank Business Triple Cash Rewards and Bank of America Business Advantage Unlimited Cash Rewards and Bank of America Business Advantage Travel Rewards and American Express Blue Business Cash and Bank of America Travel Rewards and Bank of America Unlimited Cash Rewards and Chase Freedom Flex and Bank of America Customized Cash Rewards and Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards and Chase Freedom Unlimited and Citi Double Cash and Discover it Cash Back and U.S. Bank Altitude Connect Visa Signature and U.S. Bank Altitude Go Visa Signature and U.S. Bank Cash+ Visa Signature and Wells Fargo Autograph Visa and Wells Fargo Active Cash Card and American Express Blue Business Plus and American Express Blue Cash Everyday and American Express Delta SkyMiles Blue and American Express Hilton Honors and Barclays JetBlue Card and Capital One Platinum Secured and Chase IHG One Rewards Credit Card and Chase Marriott Bonvoy Bold and Chase United Gateway and Chime Card (formerly Chime Credit Builder) and Citi AAdvantage MileUp and Discover it Miles and Wells Fargo Choice Privileges Mastercard may have welcome-offer restrictions in both directions; changing application order does not remove the relevant holding, approval or bonus-history exclusions; applicant reports also suggest checking Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited and Chase IHG One Rewards Credit Card and Chase Marriott Bonvoy Bold and Chase United Gateway before opening Bank of America Travel Rewards and Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards and Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards and Citi Double Cash and Discover it Cash Back and U.S. Bank Altitude Connect Visa Signature and U.S. Bank Altitude Go Visa Signature and U.S. Bank Cash+ Visa Signature and Wells Fargo Autograph Visa and Wells Fargo Active Cash Card and American Express Blue Cash Everyday and American Express Delta SkyMiles Blue and American Express Hilton Honors and Barclays JetBlue Card and Capital One Platinum Secured and Chime Card (formerly Chime Credit Builder) and Citi AAdvantage MileUp and Discover it Miles and Wells Fargo Choice Privileges Mastercard if Chase access matters, because another personal account can bring you to the reported 5/24 threshold.
Questions about No Annual Fee
What could delay a card application for No Annual Fee?
Capital One, Chase, US Bank, Bank of America, American Express, Citi, Discover, Wells Fargo, Barclays, Chime applications and recent account openings can affect timing for No Annual Fee. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for No Annual Fee have an application order?
For Credit cards for No Annual Fee, offer exclusions apply in both directions and some depend on the selected offer. A different order cannot remove earlier card or bonus history.
Which welcome offers for No Annual Fee depend on earlier card or bonus history?
Chase Ink Business Cash's welcome offer may depend on whether you have or had Chase Ink Business Unlimited. Check the specific event and waiting period in the offer terms before counting a welcome bonus.