By Travel credit cards can be fantastic tools to accrue points and miles toward aspirational travel. Unfortunately, some of the best travel credit cards on the market come with considerably high annual fees. If you are new to travel hacking, have a tight budget, or hate paying a yearly fee, you may be deterred from applying for one. Luckily, a handful of travel credit cards have no annual fee. Here is a list of travel credit cards with no annual fee.
If you want to read why every carnival chaser should have a travel credit card, please click here.
Note: The APR on travel credit cards is very HIGH, and you should not carry a balance on any travel credit cards except 0% APR introductions.
Downside of no AF travel credit cards
Before you read further, I would like to let you know though you won’t pay any annual fees with these cards, they come with some negatives. You may want more from your card if you are an avid traveler. Some of those benefits include, but are not limited to:
- Trip protections
- Priority boarding
- Lounge access
- Free checked luggage
- Complimentary upgrades
- ClearMe
- TSA Precheck/Global Entry
It is important to note that no annual fee travel credit cards and their multipliers are significantly lower than yearly fee credit cards on the market. Therefore, if perks and multipliers are important, consider those with annual fees.
No annual fee travel credit cards
This list of no-annual fee travel credit cards is in no particular order. Each recommendation may or may not contain affiliate links.
Sign-on bonuses, APR, benefits, etc., are subject to change and vary daily. Review the website information in full before you apply.
Before you take the plunge on any of these, I suggest you read my blog about things you should consider before applying by clicking the link here.
Bank of America Travel Rewards
- Click here for more information.
- Rewards: 1.5 points per dollar spent
- O% APR for the first 18 billing cycles and balance transfers in the first 60 days
- No blackout dates or booking restrictions
- Redemption: redeemed via the Bank of America portal.
US Bank Altitude Go Signature Card
- Click here for more information.
- Sign-on Bonus: 20,000 SUB when you spend 1K in 90 days.
- No foreign transaction fees
- 0% APR on purchases and balance transfers within the first 12 billing cycles
- Rewards: 4X on dining, takeout, and restaurant delivery. 2X on grocery, grocery delivery, streaming, gas, and EV stations
- Redemption: Via US Bank portal.
Bilt World Elite Mastercard
This is currently in my wallet and a card I will keep long-term. This is the only credit card on the market that you can pay your rent without any transaction fee.
- APR: 20-29% based on creditworthiness
- No foreign transaction fees
- Free Shoprunner membership
- You have to make five purchases per billing cycle to earn points.
- Rewards: 3X on dining, 2X on travel, 2-3X on Lyft, 1X on RENT,
- Redemption: BILT portal, statement credits, Amazon shopping
- Benefits: Cellphone protection, purchase security, car rental protection, trip cancellation/interruption, fitness classes
Wells Fargo Autograph
- Click here for more information.
- Sign-on Bonus: 30K points with 1.5K spent in 90 days
- APR: 0% APR for the first 12 months
- Rewards: 3X on: restaurants, travel, gas, transit, streaming, and phone plans.
- Redemption: travel, gift cards, a statement credit in Wells Fargo portal
Capital One Venture One
- Click here for more information.
- Sign-on Bonus: Excellent Credit – 20K points with $500 spent in 90 days. No SUB for Good Credit.
- APR: 0% APR for the first 12 months for excellent credit.
- No foreign transaction fees
- Rewards: 1.25 miles per dollar on purchases, 5 miles per dollar on hotels and car rentals booked through the Capital One portal
- Redemption: Through the Capital One portal or redeem miles via statement credit.
American Express (AMEX) Everyday
- Click here for more information.
- Sign-on Bonus: 10,000 Member Rewards (MR) bonus with
- No foreign transaction fees
- Rewards: 2X on groceries (up to 6K spent a year)
- Redemption: AMEX travel, shopping, a statement credit, transfer to partners as miles or points (1:1 or more)
Discover it Miles
- Click here for more information.
- Rewards: 1.5 miles per dollar spent
- Redemption: Redeem miles for statement credit or cash
United Gateway
- Click here for more information.
- Sign-on Bonus: 20K miles after qualifying purchases
- Rewards: 2X on purchases on gas, commuting/local transit
- APR: 0% for 12 months
- No foreign transaction fees
- 25% on United in-flight and drink purchases
- Redemption: Use miles toward future united flights.
Marriott Bonvoy Bold
- Click here for more information.
- Sign-On Bonus: 60K points after qualifying purchases
- Rewards: 14X points per dollar at Marriott hotels
- Redemption: Use miles toward future Marriott chain hotel bookings.
Hilton Honors Card
- Click here for more information.
- Sign-On Bonus: 100K HH points after 2K spend in 6 months
- Rewards: 7X on Hilton chains, 5X on restaurants, supermarkets, and gas
- Redemption: Use miles toward future Hilton chain hotel bookings.
AMEX Delta SkyMiles Blue
- Click here for more information.
- Sign-On Bonus: 10,000 SUB after spending 1K in 6 months
- No foreign transaction fees
- 20% off Delta in-flight purchases
- Rewards: 2 miles/dollar at restaurants
- Redemption: Use miles toward future Delta airline bookings
American Airlines Advantage MileUp
- Click here for more information.
- Sign-On Bonus: 10,000 SUB and $50 statement credit with $500 spent in 90 days
- Rewards: 2 miles/dollar on AA purchases and grocery
- Redemption: Use miles toward future American Airlines bookings
Citi Advantage Platinum Select
- Click here for more information.
- No annual fee for the first year, and $99 after
- Sign-On Bonus: 50K bonus miles with 2.5K spent in 90 days.
- Preferred boarding, Free checked bag, and save %25 on in-flight purchases
- Rewards: 2 miles/dollar on AA purchases, restaurants, and gas
- Redemption: Use miles toward future American Airlines booking
Jet Blue
- Click here for more information.
- Sign-On Bonus: 10K miles with 1K spent in 90 days
- Rewards: 3 miles/dollar on JetBlue purchases, 2 miles on restaurants and grocery
- Redemption: Use miles toward future JetBlue booking
Choose your next travel credit card wisely!
I do hope this list of no annual fee credit cards gets you well on your way to earning more points an miles on every dollar that you spend. If you know of any other no annual fee credit cards, comment below. Questions? comment below, or email hello@americanwinesmatter.com
