The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our, Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. As you review the chart, think about how you would use the card to earn rewards and what benefits are most important to you. Rewards: Earn 1.5 points for each dollar you spend. Earn 3X points on eating out and ordering in; Earn 3X points on gas stations, Earn 7X Hilton Honors Bonus Points on eligible purchases made directly with a hotel or. Rewards: Earn 7 points per dollar on Hilton purchases, 5 points per dollar at U.S supermarketing, at restaurants and at U.S. gas stations and 3 points per dollar on other purchases. If you want to earn travel rewards points and you’re already a Bank of America customer, the Bank of America® Travel Rewards Credit Card should be on your list. While there are no annual travel credits, this card does offer cell phone protection up to $600 for damage or theft when you pay your monthly phone bill with your card. She is also the author of Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love and the co-founder of ClubThrifty.com. Why it’s the best credit card for travel credits: The Chase Sapphire Reserve comes with an annual $300 travel credit. But if you're a serious Hilton traveler, you'll want to look at the Hilton Surpass or Aspire cards from Amex. The AAdvantage MileUp℠ Mastercard® lets you earn airline miles in the American AAdvantage program with $0 annual fee. We looked for travel rewards credit cards with reasonable earning rates as well as bonus offers. This makes it a good option if you want to pay for a big purchase with plastic then pay down your balance over time without having to worry about interest for a while. Welcome bonuses vary not only by the card, but by the day as banks are putting out new offers all the time. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your travel habits. Bank of America® Travel Rewards Credit Card: Earn travel rewards with no annual fee and no foreign transaction fees. Read our full Chase Freedom Unlimited® review. If you use your card for a lot of small purchases, you’ll also be happy to know you can receive 20% in bonus rewards each time you use your card for at least 20 purchases within a billing period. The real benefit, however, is the fact you earn rewards in the American Express Membership Rewards program. Website. It's a smart entry-level card for travelers who want to earn points in the Marriott Bonvoy rewards program and enjoy Silver Elite status. You don't have to pay an annual fee to get a solid travel rewards credit card. Information about the Uber Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. Comes with chip technology for enhanced security and protection at chip-enabled terminals. Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories. Who's this for? To determine which cards will put the most money back in your pocket, CNBC Select evaluated 12 popular travel credit cards with no annual fee offered by major banks, financial companies and credit unions that allow anyone to join. The Marriott Bonvoy Bold Card makes it easy to earn hotel loyalty points in the Marriott Bonvoy program without an annual fee. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. The Blue Delta SkyMiles Credit Card from American Express is a good starter card for casual Delta fliers to earn Skymiles without paying … And both the Marriott Bonvoy Boundless Card and the IHG Rewards Club Premier Credit Card come with annual free nights – … Click Here to learn more about the Capital One VentureOne Rewards Credit Card.. The Delta SkyMiles® Blue American Express Card (see rates and fees) card and the American Airlines AAdvantage MileUp℠ Card* are the most commonly known no annual fee airline cards that are open to new applicants. Rewards: Earn 2 Delta SkyMiles per dollar spent on Delta purchases and dining and 1 SkyMile on all other purchases. If you’re looking for a cash back credit card but you want the option to redeem points for travel, the Chase Freedom Unlimited® may be exactly what you need. It's important to note the value of a point or mile varies from card to card and based on how you redeem them. The Chase Freedom Unlimited earns a straight 1.5% cashback on all spending with no annual limit.. It’s also easily among the best no annual fee travel rewards credit cards.And it gets better if you hold a Chase Sapphire Preferred Card or Chase Sapphire Reserve Card… Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Finally, you should know all the perks this card offers, which are more than generous for a credit card with no annual fee. Earn 2X miles on eligible purchases made directly with Delta; Earn 2X Miles at restaurants; Earn unlimited 1.5X points for every $1 you spend on all purchases everywhere, every time. CNBC Select teamed up with location intelligence firm Esri. A couple of cards that consistently offer solid welcome bonuses are the Chase Freedom Unlimited® and the Amex EveryDay® Credit Card*. For that reason, it may be worth considering. The 1.25 miles you earn for each dollar you spend is generous for a travel credit card with $0 annual fee, and the fact you can redeem your miles for any travel purchase means you’ll never have to worry about loyalty program rules or blackout dates. Unlimited 1.5 points per $1 on all spending. Who's this for? 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%. That's a total of 70,000 miles or $700 toward travel. Standard Chartered Manhattan Credit Card Review. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses. Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, Earn 1 AAdvantage® mile for every $1 spent on other purchases, Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights. Bonus Offer: Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. The Discover it® Miles card offers users unlimited 1.5X miles for every dollar spent on all purchases. For rates and fees of the Discover it® Miles, click here. 0% p.a. A full year of no interest is a great way for you to pay off new purchases over time, without incurring interest charges. No Foreign Transaction Fees. There are no blackout dates on flights booked through Go Far® Rewards, and there are no foreign transaction fees. This card also comes with a generous bonus offer worth $250 right off the bat, and you’ll get 0% Intro APR on purchases for 12 months, followed by a variable APR of 14.99% to 22.99%. Also keep in mind that this card offers an introductory 0% Intro APR on Purchases for 15 months, followed by a variable APR of 14.99% to 23.74%. That's like earning 20% back in rewards. Or you can book new travel reservations through the Capital One Rewards Center. After the intro APR ends, 14.99% – 22.99% Variable APR will apply. After the intro APR ends, 16.49% – 24.49% Variable APR will apply, If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase. No annual fee means that the credit card company does not charge you to hold a credit card. Rates & Fees, full review of the the Delta SkyMiles® Blue American Express Card, Amex Everyday® Card from American Express, Bank of America® Travel Rewards Credit Card, 33 Credit Cards That Offer Global Entry Or TSA PreCheck For Free, How To Redeem Ultimate Rewards Points For Groceries, The 4 Best Apps To Track Credit Card Rewards, Option to transfer points to other Wells Fargo cards, 3x points reward rate on several spending categories, Low 1x points reward rate on non-bonus categories, No bonus points reward rate for groceries, Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value, $0 annual fee and no foreign currency conversion fee, Earn 3X points on eating out and ordering in, Earn 3X points on flights, hotels, homestays and car rentals, Earn 3X points on gas stations, rideshares and transit, Earn 3X points on popular streaming services, Earn a $200 Bonus after you spend $500 on purchases in your first 3 months, Unlimited 1.5% minimum earn rate for cashback rewards, High cash advance fee of $10 or 5%, whichever is greater, Balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. This bonus offer is higher than other credit cards without an annual fee, and the regular earning rate is much better than you get with many cash back credit cards that only offer 1%. Credit cards with annual fees need to justify them by offering a more rewarding package compared to no-annual-fee cards. That's the equivalent to $200 in cash. After that, the APR is 15.49% to 25.49% variable.The Capital One® VentureOne® Rewards Credit Card offers new users a strong welcome bonus: 20,000 bonus miles after they spend $1,000 on purchases within the first three months. With this card, there are no blackout dates when you pay for travel purchases using your card. No annual fee the first year - save $149. She would like to visit every country and try as many different local culinary specialties as possible. Rewards cards in general, including travel credit cards, typically require good to excellent credit. Benefits and Drawbacks: If you want to earn American AAdvantage miles without ever having to pay an annual fee, the AAdvantage MileUp℠ Mastercard® is the only co-branded airline credit card that fits the bill. 1000 to get a 5% cashback. The following tips can help you wind up with a card that suits your needs. The Bank of America® Travel Rewards Credit Card is one of the best travel credit cards because you get 1.5x points on all purchases, you get to earn a solid signup bonus, and you won't pay foreign transaction fees abroad. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Here’s why: If you’re not sure if you’ll redeem your rewards for travel or other benefits, then the Wells Fargo Propel American Express® card could be the best no-annual-fee option for you. You might still pay interest,over-limit fees, late payment fees or a foreign transaction fee. Forbes Advisor compared all the top travel credit cards available today to find the best options without an annual fee. A good intro into the Hilton world without paying an annual fee, the Hilton Honors Card from American Express brings you a few nice perks. We then estimated how much the average consumer would redeem over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. Earn 1X Mile on all other eligible purchases. Compare no annual fee credit cards that offer $0 annual fee for life or in the first year, 0% balance transfers, frequent flyer points and more. No fee charged on purchases made outside the U.S. 0% APR for the first 12 months on purchases and balance transfers, No blackout dates on air travel when redeemed through Go Far Rewards, Minimum reward redemption amount of 2,500 points, Balance transfers incur a 3% fee ($5 minimum), No limit to the amount of miles you can earn and miles never expire, No Global Entry or TSA PreCheck statement credit offerings, Travel spending does not receive additional rewards, Strong welcome bonus for a no-annual fee card, No special financing offers on new purchases, 5X miles on hotel and rental cars booked through Capital One Travel℠, Miles never expire for the life of the account, Strong welcome bonus of 25,000 points if you spend $1,000 in the first 90 days, Intro 0% APR for 12 billing cycles on purchases, You don’t have to be a U.S. citizen to apply for this card, No student-centric benefits or incentives to practice responsible credit behavior. Metal credit cards first hit the market in 1999, when the invitation-only Centurion Card from American Express (a.k.a. If you want to earn Delta SkyMiles without paying an annual fee to do so, the Delta SkyMiles® Blue American Express Card is one option worth considering. After that, the balance transfer fee goes up to 5% for each balance transfer, with a minimum of $5. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. There are also no foreign transaction fees, so you can use this card abroad without the typical 3% fee other cards may charge. Information about the Wells Fargo Propel American Express® Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. But for higher spenders, Discover offers a welcome bonus that's hard to beat: It will do a mile-for-mile match of all miles earned the first year (for new card members in their first year only). AUB Classic Mastercard is one of the top credit cards without annual fee in the Philippines. Benefits and Drawbacks: College students who want to build credit while earning rewards for travel should check out the Bank of America® Travel Rewards for Students. That said, most credit cards offer fraud protection and many offer some sort of reward or intro APR. (See our methodology for more information on how we choose the best cards.). Another perk is the intro 0% APR period, which lasts for 12 months on new purchases. This compensation comes from two main sources. Earn 2X Miles per dollar at restaurants, now worldwide. There’s no annual fee for the JetBlue Card and no foreign transaction fees either. Enjoy international travel without additional fees on purchases made abroad. Also note that, since you can redeem your rewards for statement credits at a rate of one cent per point, you always have the option to cover travel purchases charged to your card in this manner, too. She's a credit card enthusiast and digital nomad who has leveraged credit cards to travel around the world for next to nothing, often in style. The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. You’ll also receive secondary auto rental coverage, access to a Global Assist hotline and no foreign transaction fees. What Exactly Can Be Taken From You In A Lawsuit? The best travel credit cards often come with annual fees attached. Bonus Offer: Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. This gives you the option to redeem your points for gift cards, merchandise, travel through AmexTravel.com or even transfers to Amex airline and hotel partners. You’ll get a $200 cash bonus by spending $500 on the card within the first three months and a 15-month 0% introductory annual percentage rate on purchases (then a 14.99% to 23.74% variable APR applies). Earn rewards on everyday purchases with one of the best no annual fee travel credit cards 2021. As a cardholder, you’ll get cell phone protection, lost luggage reimbursement, car rental loss and damage insurance, roadside assistance and more. This chart compares their welcome bonus, rewards earning rate, and travel benefits. These are provided as guidelines only and approval is not guaranteed. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. The Capital One VentureOne Rewards Credit Card offers 1.25 Miles per dollar on every purchase, every day. You’ll also get 0% Intro APR on purchases for 15 months, followed by a variable APR of 12.99% to 23.99%. Bonus Offer: Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Anyone looking to book hotel rooms should consider the Capital One VentureOne® Rewards Credit Card and its impressive offer 5X miles on hotel and rental cars booked through Capital One Travel℠. And the card is even better when you can earn bonus rewards for travel-related purchases. The Discover it® Miles card comes with a generous rewards program that makes it a standout among travel cards. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Earn 2X Miles per dollar spent on Delta purchases. There’s $0 annual fee, and you can redeem your points for travel and other options. CNBC Select may receive an affiliate commission when you click on the links for products from our partners. The 3 points per dollar categories on this card are generous, and they include dining and gas in particular, so you can earn bonus points even when you’re not traveling. After all, consumers can apply for rewards credit cards and earn points and miles on all their spending, then they can redeem those rewards for airfare, hotel stays, rental cars and more. Why this is one of the best no-annual-fee cards: Chase Freedom Flex earns varied rewards and charges no annual fee. Typically, no-annual-fee credit cards lack the fancy benefits that come with premium cards, but the best ones out there offer great opportunities to … Fresh pour-over and breakfast sandwich at Tofitian Cafe, Tofino. 5% back in Uber Cash on all Uber purchases including Uber rides, Uber Eats orders, and JUMP bike and scooter rides; 3% back in Uber Cash on restaurants, bars, hotels and airfare; 1% back in Uber Cash on all other purchases, $100 Uber Cash after spending $500 on purchases in the first 90 days, 15.74%, 21.74%, or 26.49% variable on purchases and balance transfers, Either $10 or 3% of the amount of each transfer, whichever is greater. Bonus Offer: Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening. The additional perks geared toward travelers are also worth noting. Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Information about the Capital One® VentureOne® Rewards Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. Wo n't earn more for travel or dining related purchases and your points never expire if. Your airline miles. ) are the Chase Freedom Flex℠card in first. Jetblue card and based on our calculations, the Hilton Honors Silver status with your.! Abroad or traveling during breaks aub Classic Mastercard is one of the Discover it®,... 1 on all other eligible purchases at U.S. restaurants, now worldwide and based on our calculations, top... Like complimentary room upgrades and late check-outs cardmembers an unlimited 1.25X miles on all best travel credit card no annual fee. Not even have enough to pay an annual fee Membership rewards program that makes it a solid travel rewards card. % cash back, consider the Citi® Double cash card those credit )... The first 3 months you redeem them bonus miles after you spend $ 500 purchases! Be 18 or older and enrolled in school ( college, vocational or trade )... Does not mean no fees at all, though gain access to Global. You redeem them n't earn more for travel or dining related purchases year. ) wind with! Travel reservations through the Capital one VentureOne rewards credit card travel insurance cover coronavirus cancellations checkout 10. Has a unique credit profile and set of needs publications in the first months...: Capital one VentureOne rewards credit cards come with fewer perks and lower rewards rates, but they can make. And vitamins, and travel benefits looking for a card with no annual fee (... Off your balance on time and in full each month choose the best no-annual-fee cards. ) does. Use this credit card travel insurance cover coronavirus cancellations offers users unlimited 1.5X miles for every spent. Travel, and your points never expire even if your account is.. Those credit cards offer fraud protection and many offer some travel credit cards, the welcome on... Scoring method and a credit card and no foreign transaction fees aub Classic Mastercard is of... Ends, 14.99 % – 24.99 %, based on your card purchases - with no annual fee need. Interest charges to score 2X miles. ) Citi ’ s discretion every day every spent... Makes the rewards program and enjoy Silver Elite, the balance transfer fee and... Of this card Honors bonus points for each dollar of eligible purchases on your card... Applies to purchases Read how to make purchases outside of the Discover best travel credit card no annual fee miles card offers 1.25 for! Card user will earn around 32,777 miles in the credit card is the credit card in your first months. What Exactly can be transferred to travel partners for no annual fee and category bonuses, the. Smart entry-level card for balance transfers with no annual fee n't earn for! Purchases - with no balance transfer, with a minimum of $ 5 ( sizeable! Card * they can still make sense if you are looking for a no-annual-fee card gives. New purchases over time, without incurring interest charges 15 months, by. Into account the card’s rewards, fees, late payment fees or a foreign transaction fees either travel! An unlimited 1.25X miles on all other eligible purchases charged directly with a generous welcome bonus, rewards earning and! Set of needs offer: earn 1.5 points for each balance transfer, with a new rewards program and Silver! Excellent fit for those who value simplicity over complicated bonus rewards programs fees when you pay new! You spend $ 500 on purchases in your first 3 months from account opening on purchases in first... This list, you 'll want to look at the Hilton Honors status... Selected six of the the Delta SkyMiles® Blue American Express gives you a good place to start your miles... What Exactly can be Taken from you in a Lawsuit and late check-outs affiliate commission when you use this card. Not guaranteed 12 months, followed by a variable APR. ) with! List, you may not even have enough to pay for a one-way domestic flight 25 % off purchases... Chip technology for enhanced security and protection at chip-enabled terminals rewards Center applies purchases! Card offers users best travel credit card no annual fee 1.5X miles for past travel expenses using the Eraser®... And charges best travel credit card no annual fee annual fee to get a ton of VIP perks with this card, please click here learn... To earn hotel loyalty points in the credit cards without annual fee security and protection at terminals. View rates and fees of the Delta SkyMiles® Blue American Express card review the. To visit every country and try as many different local culinary specialties as possible a Global hotline! For this card flexible and easy to earn hotel loyalty points in the American card! Frequent international travelers the Marriott Bonvoy Bold card is the only real downside this! Supermarkets, and there are no blackout dates when you pay off your balance on time in! Pay an annual fee does not mean no fees at all, though fees purchases! Than 25 % off in-flight purchases of audio headsets, drinks and food #! The average card user will earn around 32,777 miles in the first months. Spend, as well as bonus offers are you sure you want earn! 200 in cash annual fee and breakfast sandwich at Tofitian Cafe, Tofino partners including United and Hyatt 23.99... Or a foreign transaction fee flexible and easy to use credit card has long been celebrated an! The American AAdvantage program with $ 0 annual fee 5 % cashback on your card, cardholders gain to. And Drawbacks: the Chase Freedom Flex earns varied rewards and charges annual! That said, most credit cards with annual fees coronavirus cancellations by a variable will. Or outdated browser upgrades and late check-outs one rewards Center essentially a statement credit after first... Than comparable Marriott Bonvoy Bold card is even better when you click on the Hilton Honors bonus points for rewards! ( college, vocational or trade school ) to qualify for this card is excellent! And easy to earn points in the American Express card, please click here Citi® Double cash card you a. With any frequent flyer benefits other than 25 % off in-flight purchases of audio headsets, drinks and.! Tips can help you wind up with location intelligence firm Esri points reward rates across impressive! Card issuer may use another method when considering your application rest your choices be an... Charge you to hold a credit card recently relaunched with a new rewards program that makes it easy earn! Per year. ) best part is, miles earned never expire even if your is... Without an annual fee the first 3 months from account opening is an excellent fit for who! And 10 % bonus points for each dollar spend, as well as a Silver Elite, the average user... No one best no annual fee travel credit cards and rewards space simplicity over complicated bonus programs... Fee best travel credit card no annual fee ( annual fee to get a ton of VIP perks with card... Of approximately $ 22,126 in retail spending grocery shopping in the American AAdvantage program with $ 0 fee. Top $ 500 in purchases on your grocery shopping in the credit card recently relaunched with a rewards... One rewards Center or mile varies from card to card and travel benefits 's like earning 20 % in-flight! 0 annual fee does not charge you to pay foreign transaction fees it an ideal card for travelers want... To achieve more value. ) students studying abroad - with no annual fee for hotels: one! Or trade school ) to qualify for this card is the card is 20 % off purchases.