Best Travel Credit Card Without Annual Fee
| Card | All-time for | Welcome Offer/Sign Upwards Bonus | Earning Rate | Almanac Fee |
| Capital One VentureOne Rewards Credit Card | Best for airline transfer partners | xx,000 miles |
| $0 |
| Capital One SavorOne Cash Rewards Credit Card | Dining and entertainment | $200 |
| $0 |
| Hunt Freedom Unlimited® | Best for flexible cash rewards | Earn an Boosted 1.five% Greenbacks Dorsum |
| $0 |
| Bank of America® Travel Rewards credit card | Best for existing Banking company of America customers | 25,000 points |
| $0 |
| Capital Ane Quicksilver Cash Rewards Credit Menu | Best for beginner cash dorsum | $200 |
| $0 |
| Depository financial institution of America® Customized Cash Rewards credit menu | All-time for customizable rewards structure | $200 |
| $0 |
| Citi® Double Cash Carte | Best for everyday spending | Due north/A |
| $0 |
| Hilton Honors American Limited Card | Best for hotel points | Earn 80,000 Points |
| $0 |
| Chase Freedom Flex℠ | Best for rotating bonus categories | $200 |
| $0 |
| Hotels.com® Rewards Visa® Credit Carte | Best for booking inexpensive hotels across multiple brands | Get 2 Advantage Nights Worth $250 Total |
| $0 |
| Citi Rewards+® Carte | Best for pocket-sized purchases | 20,000 points |
| $0 |
There's no meliorate way to maximize rewards earnings while minimizing costs than by using a credit card with no annual fee. Information technology's true that cards with no annual fee typically have fewer benefits and lower rewards rates when compared to many of the best credit cards out there, simply in that location are still some no-annual-fee cards out there that are quite valuable.
Arguably the best cards with no almanac fee are the Chase Liberty Unlimited and Chase Freedom Flex because of their flexibility. You're earning rewards on every purchase, and the card is a great stand-alone cash-back card or free bill of fare to an existing Chase Ultimate Rewards card. In this guide, I walk through some of my other favorite cards with no almanac fee so you tin decide if whatsoever are worth your while.
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The best no-annual-fee credit cards
Upper-case letter Ane VentureOne Rewards: Best for airline transfer partners
Current bonus: Earn 20,000 miles after y'all spend $500 on purchases in the kickoff three months from account opening.
Rewards rate: Earn ane.25 miles per dollar on every buy.
Intro and regular April:0% intro APR for the first 15 months on purchases and balance transfers; xv.24% – 25.24% variable April afterwards that.
Why it's the best no-almanac-fee credit carte du jour for airline transfer partners:Beginner travelers who desire to earn miles on every purchase without paying an annual fee should consider the VentureOne Rewards Bill of fare. While 1.25 miles per dollar on every buy isn't the industry standard for no-almanac-fee, flat-rate cards, all Capital One miles-earning cards requite yous admission to 15+ airline and hotel transfer partners, boosting the potential value you get from your rewards. This carte is a solid selection for any beginner who is looking for a starter menu before moving up to 1 of the best travel credit cards.
Uppercase One offers the Uppercase Ane Venture Rewards Credit Menu, with 2 miles per dollar on every purchase. Although it comes with a $95 annual fee, you'll go a college rewards rate and benefits such as a credit on your TSA PreCheck/Global Entry application fee (up to $100) in return. While the no annual fee VentureOne card has a lower earning charge per unit, it does have the same transfer options every bit the more than expensive Venture Rewards card so you aren't losing annihilation on the redemption side by keeping your costs down.
Check out our full card review.
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Official application link: Capital One VentureOne.
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Upper-case letter One SavorOne Greenbacks Rewards Carte: Best for dining and entertainment
Current bonus:Earn $200 later you spend $500 in the first iii months of account opening.
Rewards charge per unit:Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores similar Walmart® and Target®), plus one% on all other purchases
Intro and Regular April:0% intro Apr for fifteen months from account opening on purchases and balance transfers; then a 15.24% – 25.24% variable Apr applies
Why it'due south the all-time no-annual-fee credit card for dining and entertainment:The tradeoff for the SavorOne is that it has a slightly lower rewards rate than the Capital letter Ane Savor Cash Rewards Credit Card in exchange for its no annual fee. Only information technology still packs a punch. Dining and entertainment are divers broadly to include restaurants, takeout, concerts, sporting events, tourist attractions and much more.
Although at that place are plenty of cards that reward spending on dining, entertainment is a rare bonus category. To get iii% back on those purchases, plus at grocery stores, is an splendid return for a no-annual-fee card.
Check out our full card review.
The information for the Capital One Savor card has been collected independently past The Points Guy. The card details on this page take not been reviewed or provided by the carte du jour issuer.
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Official application link: Capital One SavorOne.
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Chase Freedom Unlimited: Best for flexible cash rewards
Electric current bonus: Earn an additional 1.5% greenbacks dorsum on everything you buy (on up to $20,000 spent in the first year) – worth upwards to $300 cash dorsum!
Rewards rate: Earn unlimited 1.5% cash dorsum on purchases and an elevated rate on the following categories:
- 5% dorsum on travel purchased through Hunt Ultimate Rewards.
- 3% back on dining, including takeout and eligible commitment service.
- 3% back at drugstores.
Intro and regular APR: 0% intro APR for the first xv monthsfrom account opening on purchases and balance transfers. Subsequently the intro menses, a variable APR of 15.24% – 23.99% applies
Why information technology's the all-time no-annual-fee credit card for flexibility:The Chase Freedom Unlimited is a peachy card for non-bonus spending. You'll earn 1.v% no matter where you swipe, and no annual fee means information technology'south perfect for pairing. In fact, it makes upwards 1 very important third of the Chase Trifecta, a powerful combination of cards that offers stiff earning rates, redemption options and travel perks.
This may not be the most exciting card at face value, but if you as well concur a premium Ultimate Rewards-earning card — such equally the Chase Sapphire Preferred Card, the Ink Business Preferred Credit Carte or the Chase Sapphire Reserve — you can convert the greenbacks back you earn on the Liberty Unlimited card to points and transfer them to Chase'southward airline and hotel partners or redeem directly through the Chase travel portal at a charge per unit of ane.25 cents each (Sapphire Preferred and Ink Preferred) or 1.5 cents (Sapphire Reserve).
The Chase Freedom Unlimited tops this listing because of its flexibility as i of the nigh versatile cash-back credit cards . Plus, the increased bonus categories are stellar for travel, dining and drugstores makes it a solid no-annual-fee menu incredibly lucrative — and cartel I say information technology, heady.
You can use it as a stand up-alone card for all spending if you're a beginner, and so add other Chase travel cards in one case you're ready to outset digging into the Ultimate Rewards programme. This card charges a 3% foreign transaction fee, so it won't be your all-time choice for spending while abroad.
Check out our full card review.
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Official awarding link: Chase Liberty Unlimited.
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Depository financial institution of America® Travel Rewards credit card: All-time for existing Bank of America customers
Current bonus: Earn 25,000 points afterward yous spend $1,000 on purchases in the first 90 days of account opening.
Rewards rate: Earn 1.5 points per dollar on all purchases.
Intro and Regular APR: 0% intro APR for the first 15 billing cycles on purchases afterward that, xiv.24% to 24.24% (Variable) applies.
Why it'south the best no-annual-fee credit card for existing Depository financial institution of America customers:This is another card that is pretty straightforward. Information technology earns 1.5 points per dollar on all purchases with no limit. It's not the only menu on this list to offering a similar rewards structure, but it does take a unique advantage if you lot are an existing Banking concern of America client.
If you qualify for the Preferred Rewards program, you can increase that earning rate by anywhere from 25% to 75% (depending on how much you take in total assets across accounts with Depository financial institution of America). That ways you lot could be earning up to 2.62 points per dollar on every purchase — which is amazing for a no-annual-fee card. You lot can redeem points to cover travel expenses such equally flights, hotels, rental cars and baggage fees, similar to how the Capital One Venture cards work.
Cheque out our full bill of fare review.
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Official application link: Banking company of America Travel Rewards.
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Majuscule I Quicksilver Cash Rewards Carte du jour: All-time for cash back beginners
Current bonus:Earn $200 afterwards y'all spend $500 in the first 3 months.
Rewards charge per unit: Earn an unlimited one.five% cash back on every purchase.
Intro and Regular Apr:0% intro April on purchases and balance transfers for the first 15 months; 15.24%-25.24% variable APR after that.
Why it's the best no-annual-fee credit card for everyday spending:If you're looking for a straightforward cash-back card as your first rewards credit carte, the Quicksilver is a solid option. You'll earn 1.five% cash back on every purchase, no matter what it is. Y'all can definitely find cards that offer higher cash dorsum rates, merely they'll come with an almanac fee, bonus categories to juggle or both. The Quicksilver may non be the flashiest card on this list, but information technology'south a steady, uncomplicated fashion to earn cash-back rewards on every purchase, no matter what. Information technology's i of the best cash-back credit cards out in that location.
Bank check out our full card review.
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Official awarding link: Upper-case letter 1 Quicksilver.
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Banking company of America Customized Greenbacks Rewards credit card: All-time for customizable rewards construction
Current bonus:Earn $200 cash bonus afterward you spend $1,000 in purchases in the first xc days of account opening.
Rewards rate:Earn 3% on the bonus category of your choice; 2% at grocery stores and wholesale clubs (with a $2,500 cap in combined bonus category spending each quarter; then unlimited 1% cash back on all other purchases.
Intro and regular April: 0% intro Apr for your first 15 billing cycles on purchases and balance transfers (made within the first 60 days). After the intro APR offer ends, a variable April that'south currently xiv.24% to 24.24% will use. The menu has a remainder transfer fee either $10 or 3% of the amount of each transaction, whichever is greater.
Why it's the best no-annual-fee credit card for customizable rewards structure:If y'all're looking for a flexible rewards structure, it's difficult to beat the Bank of America Customized Greenbacks Rewards card. You'll cull which category earns iii% cash dorsum each month from a listing that includes gas stations, online shopping, dining, travel, drug stores and dwelling house improvements/furnishings. Also earn ii% cash back at grocery stores and wholesale clubs. You'll earn 3% and ii% greenbacks back on the start $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
Equally with other Bank of America cards, you can take advantage of the Preferred Rewards plan to maximize your earnings. If yous're a Platinum Honors member, you'll earn five.25% on the category of your choosing and 3.five% at grocery stores and wholesale clubs. This rewards structure is impressive on its ain for a no-annual-fee card, but Preferred Rewards members will be hard-pressed to find a more rewarding cash-back card — especially with no annual fee.
Check out our full card review.
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Official application link: Bank of America® Customized Cash Rewards credit card
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Citi Double Greenbacks Card: Best for everyday spending
Electric current bonus:N/A.
Rewards charge per unit:Earn up to 2% greenbacks dorsum on all purchases — 1% when you buy and another 1% when you pay your bill.
Intro and Regular Apr:0 Intro April for the first xviii months on balance transfers subsequently that, and then the variable Apr will be 14.74% – 24.74% based on your creditworthiness. There is an intro residuum transfer fee of 3% of each transfer (minimum $5) completed inside the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Why it's the best no-annual-fee credit card for everyday spending: There are no bells or whistles on this carte, but if simplicity is what you're looking for, then the Citi Double Cash Card has it. It earns 2% cash dorsum on every purchase — 1% when you make the buy, and another i% when you pay information technology off. Citi has besides added the ability to transfer the cash-back rewards earned on this card into full-fledged ThankYou Points when paired with the Citi Prestige® Menu or Citi Premier® Card . The information for the Citi Prestige Carte du jour has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the menu issuer.
In plow, you lot tin can so transfer to airlines , making this card much more compelling. Information technology now offers a similar construction every bit the Chase Freedom Unlimited (apartment-charge per unit cash back with the ability to convert to points with carte pairings ), but you'll ultimately accept to compare Chase and Citi's transfer partners to make up one's mind which carte is best for you. Similar several other cards on this list, you won't want to utilise this bill of fare on international purchases because of its 3% foreign transaction fee.
Check out our total card review.
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Official application link: Citi Double Cash.
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Hilton Honors American Limited Card: Best for hotel points
Current welcome offer: Earn eighty,000 bonus points after you spend $1,000 in purchases on the Card in the first three months of Card Membership.
Rewards rate: Earn vii points per dollar on eligible Hilton purchases; 5 points per dollar at U.South. restaurants, U.S. supermarkets and U.S. gas stations; and 3 points per dollar on all other eligible purchases.
Why it's the all-time-no-annual fee credit card for hotel points If you're looking for a low-cost bill of fare to maximize your Hilton hotel stays, the Hilton Honors Amex is a solid option. Information technology's not oft you lot notice a no-annual-fee card ( see rates and fees ) that offers such a high welcome offer and the power to earn substantial points on bonus spending categories. In addition to raking in Hilton Honors points, this card gives cardholders automatic Hilton Honors Silver status , which includes a 20% points bonus, no resort fees on award stays, standard in-room and anteroom Wi-Fi, tardily checkout, fifth standard-award night free and two bottles of h2o.
Spend $twenty,000 on the card in a calendar year and earn an upgrade to Gold through the end of the next calendar year. This carte du jour likewise has no foreign transaction fees ( see rates and fees ). If you typically spend a significant corporeality at Hilton properties throughout the year, Hilton and Amex offering cobranded cards that come up with better earning rates and perks to help upgrade your travel experiences. Nonetheless, this is a good starting point for beginners who are but getting into the Hilton Honors program. Spend $20,000 on the card in a calendar year and earn an upgrade to Gilded through the end of the adjacent calendar year. And this card is amid the Amex cards receiving temporary perks to help cardholders maximize reward during the pandemic — bonus points will count toward aristocracy tier qualification and lifetime Diamond status through the cease of the twelvemonth. This card also has no foreign transaction fees (see rates and fees). If you typically spend a pregnant amount at Hilton backdrop throughout the year, Hilton and Amex offering cobranded cards that come with amend earning rates and perks to assist upgrade your travel experiences. However, this is a good starting bespeak for beginners who are just getting into the Hilton Honors program.
Check out our full carte review.
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Official awarding link: Hilton Honors Amex.
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Chase Liberty Flex: All-time for rotating bonus categories
Current bonus: Earn $200 after you spend $500 on purchases in the showtime 3 months of account opening.
Rewards rate: Earn 5% on up to $1,500 spent on rotating categories each quarter (activation required). Additionally, you'll earn the post-obit:
- 5% back on travel purchased through Hunt Ultimate Rewards.
- iii% dorsum on dining.
- 3% back at drugstores.
Intro and regular APR: 0% intro April for xv months from account opening on purchases and balance transfers. Afterwards the intro catamenia, the card has a variable April of 15.24% – 23.99%.
Why it's the best no-annual-fee credit carte du jour for rotating bonus categories:The Freedom Flex card has rotating quarterly bonus categories that reward you with v% cash back, helping you earn in a broad variety of categories each year. Activation is required before you tin can start earning your 5x points, merely information technology takes less than a infinitesimal to activate.
Like the Chase Liberty Unlimited, you tin pair the Chase Freedom Flex with Chase Ultimate Rewards credit cards, so that you're effectively earning 5x points on eligible purchases. Given how valuable Hunt Ultimate Rewards points are — and considering that the carte du jour comes with an additional 1.5% greenbacks back on everything yous buy (on up to $20,000 spent in the first twelvemonth) – worth up to $300 greenbacks dorsum!
With this versatility, it should come up equally no surprise that nosotros rank the Hunt Liberty Flex equally 1 of our picks for the best rewards credit cards. Just keep in mind that this carte du jour charges a three% foreign transaction fee that makes it unappealing to use when abroad.
Check out our total card review.
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Official application link: Hunt Liberty Flex
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Hotels.com® Rewards Visa® Credit Carte: Best for hotels across multiple brands
Current bonus: New cardholders will earn two hotel reward nights worth $250 total (max. $125 per dark) after spending $1,000 on purchases in the outset three months of business relationship opening.
Rewards rate: One eligible paid hotel night gets y'all one stamp. Or, by spending $500 on the Hotels.com credit menu, y'all can also earn one postage stamp. 10 stamps equals one free hotel nighttime.
Intro and Regular APR: 15.74% – 23.74% variable April.
Why it's the best no-annual-fee credit carte for hotels across multiple brands: If you tend to stay at hotels from multiple hotel bondage (or at boutique hotels that aren't part of a major loyalty programme), you'll capeesh the Hotels.com credit carte du jour's fresh take on earning rewards. Yous can earn one stamp for 1 paid night or by spending $500 or more than on your card, and x stamps equals 1 free hotel night. Y'all can meet how the free nights stack up speedily just from hotel spend. Plus, enjoy other benefits like a suite of travel protections and no strange transaction fees.
Check out our total carte review .
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Official awarding link: Hotel.com Rewards Visa
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Citi Rewards+ Menu: Best for small purchases
Electric current bonus: Earn twenty,000 ThankYou bonus points after y'all spend $ane,500 on purchases with your bill of fare within 3 months of account opening.
Rewards rate: For a limited fourth dimension, earn v ThankYou points per dollar on air travel and hotels up to $6,000 in the start 12 months; and then ane indicate per dollar spent thereafter. Earn 2 ThankYou points per dollar on the first $6,000 spent at supermarkets and gas stations each year (and then i signal per dollar); points are rounded upward to the nearest 10 for every purchase.
Intro and regular APR: 0% intro April on purchases and balance transfers for 15 months from date of account opening. After that, the variable April will be xiv.24% – 24.24% based upon your creditworthiness. Balance transfers need to be completed within the first four months of account opening. There is an intro balance transfer fee of three% of each transfer (minimum $v) completed within the offset 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Why it's the all-time no-annual-fee credit carte for small purchases:The Rewards+ Carte stands out for its unique earning scheme. In add-on to earning 2x ThankYou points on supermarket and gas station purchases (up to $6,000, then 1 ThankYou point per dollar on everything else), points earnings on all purchases are rounded up to the nearest 10 points. And then if you buy a $1.99 pack of glue, y'all'll earn x points. This round-up feature as well applies to your 2x purchases.
Buying $31 worth of groceries at a supermarket will earn 70 points total (31 ten 2 = 62, rounded up to seventy). It's a great card for maximizing smaller, everyday purchases that otherwise wouldn't earn much. It is important to note that the points y'all earn with this bill of fare can only be transferred to JetBlue or redeemed toward travel, gift cards or statement credits at a rate of 1 cent per point. However, if y'all also take the Citi Prestige® Card or Citi Premier® Carte, you can move points from the Rewards+ to ane of those accounts in order to transfer them to the total selection of Citi airline partners, including Etihad Guest and Singapore KrisFlyer.
Bank check out our full bill of fare review.
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Official application link: Citi Rewards+.
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What is an annual fee?
Many credit carte du jour issuers charge their customers an almanac fee to increment acquirement and starting time administrative costs similar customer service, technology services and the simple act of producing your credit carte du jour. These fees will usually appear on your first statement each year in the month that you opened your card. So if you opened a credit carte du jour in Nov, every Nov you tin can await to be charged the almanac fee.
Typically speaking, higher annual fees accompany cards with premium benefits like high rewards rates, annual statement credits, lounge access, and other travel perks. Of course, that'due south non to say that cards with no annual fee aren't valuable. But if you have a carte with no annual fee, you shouldn't expect to run into a long list of perks accompanying the card.
Who should get a no-almanac-fee credit card?
The cards on this list stand for the all-time of the best when it comes to cards with no annual fee, but you'll find better bonuses, perks and bonus categories on cards with an annual fee. If y'all're looking to accept multiple gratis trips a year, fly in premium cabins or stay in luxury hotels, you'll almost definitely demand cards with an almanac fee to make that happen. Annual fees might seem counterintuitive if the goal is to become free travel, just if you look at the numbers, you often end up getting far more in return than what you spend in fees.
Beginning-time credit card owners
If you're new to the credit card game, then you might consider starting out with a no-annual-fee card to make sure it's correct for y'all. Information technology's a total-time gig – y'all'll be occupied enough with keeping on peak of monthly payments and tracking your spending to brand certain yous reach earning thresholds to worry near making sure y'all've got the cash to pay for its annual fee.
It's also a great way to start building up credit, for free – so long as you hitting your monthly payments, that is. You can likewise keep them open up forever, which increases your average age of accounts. Once you lot've got that down, then maybe upgrade to an annual fee credit card.
Related: Guide to credit carte du jour annual fees
Those looking to rebuild credit
Don't fret if you happen to have bad credit. There are no-annual-fee credit cards available to you lot and some fifty-fifty take congenital in tools to help you lot rebuild that credit to where it once was.
Related: The best starter cards for building your credit
Those who wish to consolidate balances
If you lot're struggling to manage several credit card balances, some no annual fee credit cards such as the Citi® Diamond Preferred® Carte du jour offer of 0% Intro APR for 21 months on residuum transfers from date of showtime transfer and 0% Intro APR for 12 months on purchases from date of business relationship opening, then a variable April of fourteen.49% – 24.49%, based on your creditworthiness. Remainder transfers must be completed inside the beginning four months of account opening.
Related: The best balance transfer credit cards
Diversification of credit card portfolio
No annual-fee-credit cards also brand cracking complimentary cards to ones with college annual fees. For instance, the Chase Freedom Unlimited makes an excellent pairing with the Hunt Sapphire Preferred Card.
When to downgrade to a no-annual-fee credit card
Many elevation-rated travel cards with an annual fee offer potent sign-up bonuses that make them a no-brainer for the first year. However, the cards aren't always useful long term. Maybe your spending habits modify, yous've added new cards that fit your lifestyle ameliorate, or you don't travel as much these days to justify the higher-fee card.
Rather than abolish the card and potentially damage your credit score, it's meliorate to keep your business relationship open without racking upwardly too many annual fees. An easy way is to downgrade to a no-almanac-fee card.
Let's say y'all opened the Hunt Sapphire Reserve — with its $550 annual fee — because of the bonus and travel perks. For a couple of years, you're traveling frequently and therefore using the card enough to beginning the out-of-pocket fee. However, you lot eventually kickoff to limit your travel to but once a year or so. The annual fee for Reserve may no longer exist worth it since you aren't using your rewards or taking advantage of the card's other benefits. Only downgrade to a Freedom Unlimited , without an annual fee, and your trouble is solved.
Exist aware that upgrading or downgrading might make it harder for you to earn the bonus on that card in the future, and so you'll take to gene that into your plans. This is especially true with American Express credit cards considering of the issuer's strict welcome offer restrictions .
Related: Pros and cons of downgrading your credit cards right at present
Comparing top rewards cards and their no-annual-fee counterparts
Some issuers offer like card options, one with an annual fee and one without. You might ask yourself why you would ever apply for the card with an almanac fee if yous can get a similar one with no fee. Depending on your spending habits, the annual fee may really be worth the higher rewards.
Let's look at Uppercase One'south credit carte du jour lineup — specifically the Bask and Venture credit cards. Both come in a no-annual-fee version as well, in exchange for a lower rewards charge per unit. With the Bask, that extra ane% dorsum you earn volition out-earn the SavorOne even with the almanac fee deviation when yous're spending more $9,500 on dining and entertainment each year. That'due south simply under $800 a month on combined dining and entertainment spending.
For the Venture cards, you'll need to spend at least $12,667 each yr on the carte in gild to out-earn the no annual fee VentureOne. Since the Venture earns two miles per dollar across all purchases, that means you but accept to spend $ane,056 per month on the card to brand the Venture worth it.
The more you spend on your credit carte du jour each month, the more likely information technology is that the almanac fee version of the card is a better investment long term. However, individuals who won't be spending that much on a credit bill of fare each month tin can yet benefit from the no-annual-fee version.
How to pair no annual fee and annual fee cards
Starting out with a no annual fee card is always a good thought. It helps you to learn how to manage your finances and is the first stride to being a pro at the points and miles game. In one case you've got that down, it'southward worth because pairing your no annual fee credit carte du jour with one that charges an annual fee to eternalize your earning and advantage potential.
Allow'south look at an example. If you already have the Hunt Unlimited Freedom card, you'll already be earning a flat 1.5% greenbacks back on all purchases, 5% cash dorsum on travel, 3% on dining as well as 3% on drugstores. And then, it would exist worth your while to utilise this carte on purchases which fit into those elevated categories, then switch to a travel rewards menu like the Chase Sapphire Reserve for spending on other every day purchases, like gas and other spends.
This means you'll continue to earn great greenbacks back, while benefiting at the same time from great travel rewards like travel credits. That said, y'all don't take to pair it with a travel rewards menu, there are many others you could choose from that would exist more inline with your lifestyle if travel isn't something y'all do frequently.
What types of no annual fee credit cards are there?
Credit cards with no annual fees are more common than you might imagine. The near mutual blazon of carte to non charge an annual fee is cash back credit cards.
However, it's harder to discover travel credit cards without annual fees. That's because these cards often come with premium perks that aren't cheap. You tin can wait to pay up to the hundreds of dollars for travel credit cards at the peak end of the scale.
Whatever the type of credit card you're looking for whether information technology exist travel, student, small business or greenbacks back, information technology'due south always worth checking out to see if you tin find a no-annual-fee version. Bear in mind though that the best sign-upwards bonuses, benefits and perks often come with cards with a fee.
Lesser line
Every bit you lot tin run into, y'all don't demand to pay an annual fee to earn valuable rewards with a credit card. Whether they earn cash back or points that can be redeemed toward travel, the options listed to a higher place represent groovy opportunities to rack upwardly rewards. There are cases when a credit card'due south benefits tin justify paying an almanac fee, but it'southward good to know that there are several solid no-annual-fee options likewise.
Boosted reporting past Daniel Ross.
Featured image by skaman306 via GettyImages
For rates and fees of the Hilton Amex bill of fare, please click here.
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