First card: no-annual-fee cards by everyday earn rate
The highest everyday rate among no-annual-fee cards is 3.00%, from Hilton Honors American Express Card and Robinhood Gold Card. The table below ranks all 49 open no-annual-fee cards from DanHana's catalog.
This page is not a fixed editorial ranking: it is computed from the catalog on every request. Card names, annual fees, and earn rates are all catalog values, so the ranking changes when the catalog changes.
Key Takeaways
Everyday-rate leader: Hilton Honors American Express Card and Robinhood Gold Card (3.00%)
Scope: all 49 open cards with a $0 annual fee. Sort: everyday earn rate descending, ties by card id ascending.
How the ranking works
49 open cards with a $0 annual fee
Sort: the catalog's general-spend earn rate (everything), descending; ties by card id ascending.
Rates are shown as % with two decimals. A point's cash value varies by card and redemption, so this page never converts points into dollars.
No-annual-fee cards by everyday earn rate (49 cards)
| Rank | Card | Everyday earn rate | Annual fee |
|---|---|---|---|
| 1 | Hilton Honors American Express Card | 3.00% | $0 |
| 2 | Robinhood Gold Card | 3.00% | $0 |
| 3 | The Blue Business® Plus Credit Card from American Express (business card) | 2.00% | $0 |
| 4 | Apple Card | 2.00% | $0 |
| 5 | Citi Double Cash® Card | 2.00% | $0 |
| 6 | Fidelity® Rewards Visa Signature® Card | 2.00% | $0 |
| 7 | IHG One Rewards Credit Card | 2.00% | $0 |
| 8 | SoFi Unlimited 2% Credit Card | 2.00% | $0 |
| 9 | Wells Fargo Active Cash® Card | 2.00% | $0 |
| 10 | Bank of America® Travel Rewards credit card | 1.50% | $0 |
| 11 | Bank of America® Unlimited Cash Rewards credit card | 1.50% | $0 |
| 12 | Chase Freedom Unlimited | 1.50% | $0 |
| 13 | Discover it® Miles | 1.50% | $0 |
| 14 | Chase Ink Business Unlimited (business card) | 1.50% | $0 |
| 15 | PayPal Cashback Mastercard® | 1.50% | $0 |
| 16 | Capital One Quicksilver Cash Rewards Credit Card | 1.50% | $0 |
| 17 | REI Co-op Mastercard | 1.50% | $0 |
| 18 | Capital One VentureOne Rewards Credit Card | 1.25% | $0 |
| 19 | Amazon Store Card (Prime Store Card) | 1.00% | $0 |
| 20 | Blue Cash Everyday® Card from American Express | 1.00% | $0 |
| 21 | My Best Buy® Visa® Card | 1.00% | $0 |
| 22 | Bilt Blue Card | 1.00% | $0 |
| 23 | Bloomingdale's Card | 1.00% | $0 |
| 24 | Bank of America® Customized Cash Rewards credit card | 1.00% | $0 |
| 25 | Citi Strata℠ Card | 1.00% | $0 |
| 26 | Costco Business Anywhere (business card) | 1.00% | $0 |
| 27 | Costco Anywhere Visa® Card by Citi | 1.00% | $0 |
| 28 | Discover it® Chrome | 1.00% | $0 |
| 29 | Discover it® Cash Back | 1.00% | $0 |
| 30 | Disney® Visa® Card | 1.00% | $0 |
| 31 | Chase Freedom Flex® | 1.00% | $0 |
| 32 | Chase Ink Business Cash (business card) | 1.00% | $0 |
| 33 | Kohl's Card | 1.00% | $0 |
| 34 | Lowe's Business (Pro) (business card) | 1.00% | $0 |
| 35 | Macy's American Express® Card | 1.00% | $0 |
| 36 | Marriott Bonvoy Bold® Credit Card | 1.00% | $0 |
| 37 | Nordstrom Credit Card | 1.00% | $0 |
| 38 | Amazon Prime Visa | 1.00% | $0 |
| 39 | Sam's Club® Mastercard® | 1.00% | $0 |
| 40 | Capital One Savor Cash Rewards Credit Card | 1.00% | $0 |
| 41 | Target Circle™ Card | 1.00% | $0 |
| 42 | United Gateway℠ Card | 1.00% | $0 |
| 43 | U.S. Bank Altitude® Connect Visa Signature® Card | 1.00% | $0 |
| 44 | U.S. Bank Altitude® Go Visa Signature® Card | 1.00% | $0 |
| 45 | U.S. Bank Cash+® Visa Signature® Card | 1.00% | $0 |
| 46 | Venmo Credit Card | 1.00% | $0 |
| 47 | Verizon Visa® Card | 1.00% | $0 |
| 48 | Wells Fargo Autograph® Card | 1.00% | $0 |
| 49 | The Home Depot Consumer Credit CardNo general-spend rate in the catalog -- shown as 0% | 0.00% | $0 |
How to read this ranking
Every card in the table is open to new applicants, has a $0 annual fee, and is a credit card. Closed-to-new cards and debit cards are excluded.
Sort: the catalog's general-spend earn rate (everything), descending; ties by card id ascending.
Rates are shown as % with two decimals. A point's cash value varies by card and redemption, so this page never converts points into dollars.
Rows marked (business card) are business cards. If you want a personal first card, look at the unmarked rows.
Secured cards (cards that require a security deposit) are not in DanHana's catalog, so none appear in this ranking. This is general information only.
When the catalog changes, this ranking changes too. It is not a fixed recommendation.
Credit basics first
This page links to the basics instead of rewriting them. Start with these guides.
Frequently asked questions
Why do no-annual-fee cards come up for a first card?
With no annual fee, keeping the card costs nothing each year. Still, do not pick on the fee alone -- weigh the earn rate and your own spending pattern too.
How is the ranking computed?
All 49 open $0-annual-fee credit cards are sorted by the catalog's general-spend earn rate, descending; ties by card id ascending. Nothing is cut.
Is the % a dollar value?
No. It is the catalog's general-spend earn figure shown as %. Points are not converted into dollars here, because a point's cash value varies by card and redemption.
Can I see my approval odds?
Not on this page. The catalog holds no approval-difficulty data, so no score or probability is shown. The issuer makes the final approval decision.
What is a secured card?
A card that requires a security deposit. Secured cards are not in DanHana's catalog, so none appear in this ranking.
What should I read next?
Start with the three guides under 'Credit basics first' above: building a score from scratch, starting without an SSN, and the authorized-user strategy.
Sources
- DanHana catalog (card info, annual fees, everyday earn rates)
Page updated: October 29, 2026