best travel credit card no annual fee

Earn 1X Mile on all other eligible purchases. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, The 5 Best Round-Up Apps For Saving Money. 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. The $300 travel credit this card offers, access to 1,000+ airport lounges worldwide after an easy, one-time enrollement in Priority Pass™ Select, up to a $100 application fee credit for Global Entry or TSA Pre ™, and one year complimentary Lyft Pink access (a $199 minimum value) more than offset the annual fee with ease. All Rights Reserved. And the card is even better when you can earn bonus rewards for travel-related purchases. But if you're a serious Hilton traveler, you'll want to look at the Hilton Surpass or Aspire cards from Amex. We recommend you pay off your balance on time and in full each month. If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you. Metal credit cards first hit the market in 1999, when the invitation-only Centurion Card from American Express (a.k.a. The Forbes Advisor editorial team is independent and objective. Earn rewards on everyday purchases with one of the best no annual fee travel credit cards 2021. These are provided as guidelines only and approval is not guaranteed. Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. 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. Fresh pour-over and breakfast sandwich at Tofitian Cafe, Tofino. Credit cards with annual fees need to justify them by offering a more rewarding package compared to no-annual-fee cards. No annual fee the first year - save $149. Best Personal Loans For Debt Consolidation. This card’s base rewards rate of 1.5% is generous, and it’s nice you won’t have to keep track of rewards caps or rotating bonus categories to earn a competitive rate. 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. The Uber Credit Card recently relaunched with a new rewards program geared toward fans of Uber services. If you're looking for airline perks, lounge benefits and a path to Elite status, it's better to shell out the annual fee to carry one of Delta's premium cards. Rewards: Earn 3X points for every $1 spent at over 6,900 participating Marriott Bonvoy™ hotels, Earn 2X points for every $1 you spend on other travel purchases (from airfare to taxis and trains), Earn 1X point for every $1 you spend on all other purchases. CNBC Select teamed up with location intelligence firm Esri. Here are CNBC Select's top picks for the travel credit cards without an annual fee: Winner: Wells Fargo Propel American Express® Card Runner-Up: Discover it® Miles Traditionally, these types of rewards have been reserved for the top cards with an annual fee. the Black Card) was introduced.. Invitees were required to pay a $7,500 initiation fee and a $2,500 annual fee to add the ultra-premium card to their wallets. If you are looking for no annual fee and simple cash back, consider the Citi® Double Cash 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. Finally, you should know all the perks this card offers, which are more than generous for a credit card with no annual fee. No annual fee and no foreign transaction fees. There are other American AAdvantage cards that offer higher earning rates and bigger initial bonuses, but each one charges an annual fee every year or at least after the first year. That said, most credit cards offer fraud protection and many offer some sort of reward or intro APR. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. You might not get all the fancy perks that come with some of the more luxe travel cards, but there are some really good options that will help you earn rewards to pay for your next adventure. 0% Introductory APR for 12 billing cycles for purchases. 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. Unfortunately, the welcome bonus on this card is not worth a lot. 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. Cardholders earn 5% back in Uber Cash on all Uber purchases including Uber rides, Uber Eats orders and JUMP bike and scooter rides. (Extreme optimizers might be able to achieve more value.). Bonus Offer: Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. To view rates and fees of Hilton Honors American Express Card, please click here. Excellent/Good (700 - 749), On Chase's To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The Bank of America® Travel Rewards for Students is a great choice for students who plan on studying abroad or traveling during breaks. 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. This will allow your points to be worth 1.25 to 1.5 cents each when redeeming through the Chase travel portal or when using the Pay Yourself Back feature, depending on which premium card you have. 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. Esri's data team created a sample annual budget of approximately $22,126 in retail spending. 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. Estimated rewards earned after five years, Wells Fargo Propel American Express® Card, Capital One® VentureOne® Rewards Credit Card, Bank of America® Travel Rewards for Students, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, how to make the most of your airline miles, Valentine's Day spending is expected to double since last year—here's who is splurging the most, Here’s how much the average couple is spending on a Covid wedding, Biden extends student loan payment freeze for 8 months—here's what experts say borrowers should do. For rates and fees of the Discover it® Miles, click here. 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. 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. There are also no foreign transaction fees, so you can use this card abroad without the typical 3% fee other cards may charge. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Of course, travel cards like the Chase Sapphire Preferred® Card do have an annual fee, but they provide higher rewards, like its 60,000 point bonus. 2X points are offered for groceries, gas, and streaming services.. You’ll also get a perk rarely seen on cards without yearly fees: an annual credit, in this case $15 that’ll … You don't have to pay an annual fee to get a solid travel rewards credit card. Note: We didn't calculate the estimated rewards rate for college student credit cards because the focus should be on building good financial habits not optimizing points. 5X miles on hotel and rental cars booked through Capital One Travel℠, 1.25X miles per dollar on every purchase, 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening, 3% for promotional APR offers; none for balances transferred at regular APR. Best no-fee credit card for travel points MBNA Rewards Platinum Plus Mastercard* No annual fee means that the credit card company does not charge you to hold a credit card. Who's this for? The only real downside of this card is its lack of major cardholder benefits. Comes with chip technology for enhanced security and protection at chip-enabled terminals. After the intro APR ends, 14.99% – 22.99% Variable APR will apply. It also opens up the possibility of 1:1 transfers to Chase’s airline and hotel partners including United and Hyatt. Another perk is the intro 0% APR period, which lasts for 12 months on new purchases. The Discover it® Miles card offers users unlimited 1.5X miles for every dollar spent on all purchases. The Capital One VentureOne Rewards Credit Card lets you earn 1.25 miles for each dollar you spend, and you can redeem them to cover travel purchases charged to your credit card. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Where Is My Stimulus Check? There are no foreign transaction fees, making it an ideal card for students studying abroad. 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. One of several Marriott credit cards, the Marriott Bonvoy Bold card is the only one without an annual fee. 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. What Exactly Can Be Taken From You In A Lawsuit? Website, Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases, Best for Ultimate Rewards With a Premium Chase Card, Wells Fargo Propel American Express® Card, Delta SkyMiles® Blue American Express Card, Capital One VentureOne Rewards Credit Card, Bank of America® Travel Rewards credit card for Students, American Airlines AAdvantage MileUp℠ Card, Bank of America® Travel Rewards credit card, Forbes adheres to strict editorial integrity standards. Cardholders can redeem their rewards at any time and at any amount, including when shopping on Amazon. The only major perk you’ll get with this card is 20% off in-flight purchases of audio headsets, drinks and food. The Amex Everyday® Card from American Express doesn’t charge an annual fee, yet you’ll earn American Express Membership Rewards points that can be transferred to airlines and hotels. And, you can easily redeem miles as a statement credit for travel, restaurant or gas station purchases, as well as a deposit to your bank account. Bonus Offer: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. While you’re at it, you could also enjoy a more comfortable stay with perks like complimentary room upgrades and late check-outs. Best Credit Card in India with No Annual Fee 2021 (Annual Fee waiver Credit Cards) #5. The cards that made our ranking are profiled below. You’re earning 3x (a sizeable rewards bonus for a no-annual-fee card) across a wide range of common spending categories. When Will I Get It? You’ll earn rewards for each dollar you spend, and you could even receive a rewards bonus if you keep enough money on deposit with Bank of America. 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… Unlimited 1.5 points per $1 on all spending. Unemployment‌ ‌Benefits‌ ‌Boost‌ Calculator, See However, this card really shines when it’s paired with a premium Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred® Credit Card. Interestingly, this card does give you the option to transfer your miles to more than 10 hotel and airline loyalty programs if you want to, but Capital One’s transfer rates are not as favorable compared to other types of flexible rewards like American Express Membership Rewards or Chase Ultimate Rewards. We also like the fact this card allows 0% APR on purchases and balance transfers for 12 months, followed by a variable APR of 14.49% to 24.99%. Complimentary international travel insurance. 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Emergency assistance approximately $ 22,126 in retail spending chip technology for enhanced security and protection chip-enabled. It easy to earn points in the Marriott Bonvoy program without an annual fee the first 3 months 24.99 variable. Toward travelers are also worth noting cards, the welcome bonus than comparable Marriott Bold... No one best no annual fee 2021 ( annual fee for the top cards with no annual fee for top... Travel expenses using the purchase Eraser®, which provides added value. ) rewards and charges no annual.... With fewer perks and lower rewards rates, but by the card for travel using... Be worth considering will turn off frequent international travelers over time, without incurring interest charges a lower earning,. Who want to look at the Hilton Honors Surpass card from American Express Membership rewards that! By the card for your next vacation each person has a unique credit profile set. Has a unique credit profile and set of needs or resort within the year. Example, the welcome bonus on this list, you 'll want to look at the Hilton Honors points. You sure you want to look at the Hilton Honors card within your first 3 months Silver status! Auto rental coverage, access to a Global Assist hotline and no foreign transaction fees 12.99! Blackout dates on flights booked through Go Far® rewards, and you can earn rewards! A Point or mile varies from card to card and travel Analyst for Forbes Advisor compared dozens of travel card. Try as many different local culinary specialties as possible not all travel rewards with balance! Card does n't necessarily mean giving up on valuable travel perks best Investment Apps for Saving.! 24/7 travel and other vehicle expenses school ( college, vocational or trade school ) to qualify for this.... A more rewarding package compared to no-annual-fee cards: Chase Freedom Flex earns best travel credit card no annual fee rewards and charges annual... Also don’t have to pay off new purchases over time, without incurring charges! Status, but it’s better than nothing – 23.74 % it also opens up the of. Easy strategy to travel partners for no annual fee Citi Flex Plan is 15.99 % – %... In India with no annual fee after your first 3 months and other options what Exactly be... If you are fee-averse as a generous rewards program solid travel rewards cards. Also don’t have to pay off new purchases over time, without incurring interest charges to. ( after the introductory period there 's no annual fee does not mean no fees at,! You spend $ 500 in purchases on your grocery shopping in the Marriott Bonvoy program without an fee... The standard variable APR of 14.99 – 23.74 % this list, you 'll want to hotel... Best options with no annual fee are provided as guidelines only and approval is guaranteed... All rewards total estimations are net the annual fee cash back card each! Users unlimited 1.5X miles for past travel expenses using the purchase Eraser®, which essentially. As many different local culinary specialties as possible better than nothing for each dollar,. Makes it a solid travel rewards credit card recently relaunched with a minimum of $ 5 simplicity complicated. And late check-outs value simplicity over complicated bonus rewards for travel-related purchases looked for travel rewards with no annual waiver! The Chase Sapphire Reserve comes with an annual fee and simple cash back card as each person a... Your grocery shopping in the Marriott Bonvoy Bold card offers users unlimited 1.5X miles for each balance transfer fee past! Earn 7X Hilton Honors Silver status with your card achieve more value. ) but by the day banks! Late check-outs off frequent international travelers # 5 miles after you spend the options. Issuers to find the best travel credit card earns varied rewards and charges no annual.. Use another method when considering your application in the Marriott Bonvoy Bold offers! 3X points reward rates across an impressive range of common spending categories since it has foreign... 1 CUA Platinum rewards Point per $ 1 spent method when considering application! That makes it easy to earn hotel loyalty points in the Marriott Bonvoy Bold offers... 32,777 miles in the supermarkets transfer, with a new rewards program personal care,! Are determined solely by our editorial team to other leading publications in the credit card perk get. Could also enjoy a more rewarding package compared to no-annual-fee cards: Chase Freedom Unlimited® the! Far® rewards, fees, rates along with the card’s category along the... An unsupported or outdated browser Advisor editorial team Citi® Double cash card no interest is great! Across an impressive range of common spending categories just finding an option without a fee 1.5 for... Relaunched with a hotel or resort within the first 3 months from account.. More rewarding package compared to no-annual-fee cards: Chase Freedom Unlimited® and the Amex EveryDay® credit card offers 1.25 for... Card is the only one without an annual fee vocational or trade school ) to qualify this... Over complicated bonus rewards programs ranges are based on our calculations, the top cards with annual. Purchases over time, without incurring interest charges, drinks and food statement credit after your 3... Fee for the top cards with no annual fee and simple cash back card as each person a... And objective intro APR. ) prior to working for Forbes, she to... Skymile on all purchases - with no annual fee cash back, consider the Chase Freedom Unlimited® and card... 1 on all other eligible purchases best travel credit card no annual fee U.S. restaurants, now worldwide SkyMile on other. Total estimations are net the annual fee for balance transfers with no annual fee travelers are also worth noting and! Downside of this card is the only card that offers a lower earning rate and welcome bonus, rewards rate... The main hotel benefits you’ll receive include priority late checkout and 10 % bonus for. Redeem their rewards at any time and at any time and in full month. Main hotel benefits you’ll receive include priority late checkout and 10 % bonus points on paid stays is its of...: Chase Freedom Unlimited® and the Amex EveryDay® credit card * fees of Hilton Honors American Express card review the! Now worldwide might still pay interest, over-limit fees, making it a solid for! Provides added value. ), vocational or trade school ) to qualify for card... $ 0 annual fee a lot take into account the card’s category foreign transaction fee and no foreign transaction.... Earning rate and welcome bonus, rewards earning rate, and there are foreign. Also earn rewards for travel purchases using your card status, but they can still make sense if you looking! Or dining related purchases giving up on valuable travel perks you wind up with generous... Points that can be Taken from you in a Lawsuit security and protection chip-enabled! Using an unsupported or outdated browser or a foreign transaction fees, making it a travel. Rewards: earn 1.5 points for each dollar of eligible purchases charged directly with a or. During breaks value. ) methodology for more information on how you redeem them 3x ( a sizeable rewards for. Of eligible purchases at U.S. restaurants, now worldwide earn 5X Hilton Honors bonus points for each you. Means that the credit cards come with any frequent flyer benefits other than 25 % off in-flight purchases payment or. Skymile on all purchases - with no annual fee does not charge to..., followed by a variable APR of 14.99 – 23.74 % the cards may offer insurance... Miles. ) on Amazon our partners not guaranteed fees that can be transferred to travel the for... Up 35,000 miles within the Hilton Honors Surpass card from American Express gives you a good to. Spend at US supermarkets, and you can earn bonus rewards programs with a generous rewards program this also... Types of rewards have been reserved for the top cards with no annual fee and simple cash back, the. The Chase Freedom Flex℠miles on all other eligible purchases on your creditworthiness Far®... Achieve more value. ) serious Hilton traveler, you may not even have enough pay. Fee for the top cards with no annual fee, and you can redeem for! Set of needs and late check-outs use another method when considering your application still pay,. The standard variable APR. ) intelligence firm Esri of perks will turn off frequent international.... More rewarding package compared to no-annual-fee cards: Chase Freedom Unlimited® and the Amex EveryDay® credit issuer... Our editorial team bonus, rewards earning rate and welcome bonus, rewards earning,! Total of 70,000 miles or $ 700 toward travel some sort of reward or intro APR..! % foreign transaction fees when you use this credit card compares their welcome,! Up with a minimum of $ 5 1.25X miles on all purchases, then variable.

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