Why it’s the best credit card for travel credits: The Chase Sapphire Reserve comes with an annual $300 travel credit. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. 0% p.a. The Hilton Honors American Express Card comes with $0 annual fee (see rates and fees), yet youâll earn Hilton Honors points for each dollar you spend and youâll qualify for elite perks automatically. Our ratings take into account the cardâs rewards, fees, rates along with the cardâs category. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio. That's the equivalent to $200 in cash. Benefits and Drawbacks: The Hilton Honors American Express Card offers robust earning categories that let you earn bonus points in many categories where Americans spend the most. Bonus Offer: Earn 10,000 Membership RewardsÂ® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. Who's this for? The Blue Delta SkyMiles Credit Card from American Express is a good starter card for casual Delta fliers to earn Skymiles without paying … No minimum to redeem for cash back. Cardholders also earn a earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. 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. Mile-for-Mile match of all Miles earned the first year, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. 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. When it comes to redeeming your rewards, you can cash them in for any travel purchase charged to your card at a rate of one cent per point. Money expert Clark Howard is a strong proponent of picking out a no annual fee credit card that offers you the best mix of cash rewards and low rates. 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. The best travel credit cards with no annual fee. The Bank of America® Travel Rewards for Students is a great choice for students who plan on studying abroad or traveling during breaks. There are no blackout dates on flights booked through Go Far® Rewards, and there are no foreign transaction fees. 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. While most of us are still stuck at home (or at least close by), travel credit cards with perks like free hotel nights and airport lounge access have lost some of their allure. Another perk is the intro 0% APR period, which lasts for 12 months on new purchases. 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. 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 youâll never have to worry about loyalty program rules or blackout dates. For a $99 annual fee, the premium version— The JetBlue Plus Card —gives you a richer sign-up bonus (30,000 points for spending $1,000 in the first 90 days) and gives you 6 points per dollar spent on JetBlue flights. Youâll get a free credit score each month and 0% Intro APR on purchases for 12 months (followed by a variable APR of 14.99% to 22.99%), but thatâs about it. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Excellent/Good (700 - 749), On Chase's SC Manhattan is the only card that offers a direct 5% cashback on your grocery shopping in the supermarkets. You must be 18 or older and enrolled in school (college, vocational or trade school) to qualify for this card. No annual fee and no foreign transaction fees. Cardholders earn 5% back in Uber Cash on all Uber purchases including Uber rides, Uber Eats orders and JUMP bike and scooter rides. Here are CNBC Select's top picks for the travel credit cards without an annual fee: 3X points on dining out and ordering in; gas, rideshares and transit; flights, hotels, homestays and car rentals; and popular streaming services. The Uber Credit Card recently relaunched with a new rewards program geared toward fans of Uber services. The Bank of AmericaÂ® Travel Rewards for Students is geared to young adults who are building credit, so it may be easier to qualify for when compared to other travel credit cards. A score in the âgoodâ range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards you can expect to need a score of 740 or higher to qualify. Website, Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening, On American Express's No annual fee does not mean no fees at all, though. If you have expected upcoming expenses that you want to pay for over time, or you're looking to consolidate debt, the Wells Fargo Propel American Express® Card can help you finance debt without incurring interest charges. Complimentary international travel insurance. Especially since many of those credit cards also charge high annual fees that can top $500 per year. And the card is even better when you can earn bonus rewards for travel-related purchases. Read our full review of the the Delta SkyMilesÂ® Blue American Express Card. The first Bonvoy Rewards card with no annual fee, 15 Elite Night credits per year + Silver Elite status, Rewards bonus categories are somewhat limited, 15.99% – 22.99% Variable APR on purchases and balance transfers, Earn 3X points for every $1 spent at over 6,900 participating Marriott Bonvoyâ¢ hotels, 2X points per $1 spent on other travel purchases (from airfare to taxis and trains), 1X points per $1 spent on all other purchases, Earn Unlimited Marriott Bonvoyâ¢ points and get free stays faster, Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim, up to $50,000 per account, Baggage delay insurance reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days, Flexible rewards program with a wide variety of redemption categories, Earn 2X Membership RewardsÂ® points at US supermarkets on up to $6,000 per year in purchases (then 1X), Earn 2X Membership RewardsÂ® points when you use your Card to book your trip through AmexTravel.com, Earn 1 Membership RewardsÂ® point for every eligible dollar you spend on everything else, You can use Membership RewardsÂ® points towards eligible charges you make on your Card, such as retail, dining, entertainment and more, Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month, Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases, BofA Preferred Rewards clients earn 25%-75% more cashback, No bonus categories to boost reward earnings, No intro 0% APR offer for balance transfers, APR can be high, depending on creditworthiness”, Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire, 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, Use your card to book your trip how and where you want â you’re not limited to specific websites with blackout dates or restrictions, Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees, 0% Introductory APR for 12 billing cycles for purchases. 1X points on all other purchases, 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, 0% APR for 12 months on purchases and qualifying balance transfers, 14.49% to 24.99% variable on purchases and balance transfers, Introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum), Rewards totals incorporate the points earned from the welcome bonus. (After the introductory period there's a 14.49% to 24.99% variable APR.) Credit cards with consumer protections or automatic elite status were given preference in our ranking, as were travel credit cards that let you redeem points in more than one way. If you're a fan of Uber and want to earn an industry-leading 5% back in rewards on all your Uber rides or Uber Eats orders, the Uber Credit Card is a great choice. The opinions expressed are the authorâs 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. And since it has no foreign transaction fees, itâs also a great card to use when traveling. You’ll receive three Go Far® Rewards points for every $1 spent on travel and dining, at gas stations, on rideshares and transit, and on select streaming services. The Bank of AmericaÂ® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. 0% Introductory APR for 12 billing cycles for purchases. This card does let you Earn 10,000 American Airlines AAdvantageÂ® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening, and youâll earn double rewards on groceries and American Airlines purchases. The good news is there are several no fee credit cards that deliver great value through cash back, travel rewards, low interest rates, or no foreign transaction fees, despite the fact they’re free to carry. (Based on our calculations, the average card user will earn around 32,777 miles in the first year.). No Foreign Transaction Fees. As a cardholder, youâll also avoid foreign transaction fees on purchases you make abroad and qualify for benefits like travel accident insurance and extended warranties. 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. However, this card really shines when itâs paired with a premium Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business PreferredÂ® Credit Card. 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 … Follow Johnson on Twitter, Facebook, or Instagram. Best for hotels: Capital One VentureOne Rewards Credit Card Why we like it. As a Silver Elite, the main hotel benefits youâll receive include priority late checkout and 10% bonus points on paid stays. Earn 2X Miles per dollar spent on Delta purchases. 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. Finally, youâll qualify for 0% Intro APR on purchases for 12 months, followed by a variable APR of 15.49% to 25.49%. 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. We looked for travel rewards credit cards with reasonable earning rates as well as bonus offers. Rewards: Earn 2 Membership Rewards points per dollar on up to $6,000 spent at U.S. Supermarkets each year (then 1 points per dollar) and 1 point per dollar on all other purchases; also earn 20% in bonus rewards each time you use your card for at least 20 purchases within a billing period. 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. Fortunately, the top credit card issuers do offer some travel credit cards that donât charge an annual fee. The problem is, most of the premier travel credit cards on the market come with valuable perks that require consumers to pay an annual fee. Rewards: Earn 3 points per dollar spent on dining, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services plus 1 point per dollar spent on other purchases. This card also comes with a longer-than-average special financing offer of no interest for 12 billing cycles (then 16.49% to 24.49% variable APR). For that reason, it may be worth considering. Learn more: Wells Fargo Propel American Express Card review: The best no annual fee travel credit card for your next vacation. Youâll also receive secondary auto rental coverage, access to a Global Assist hotline and no foreign transaction fees. You only need to make a minimum transaction of Rs. If youâre looking for a cash back credit card but you want the option to redeem points for travel, the Chase Freedom UnlimitedÂ® may be exactly what you need. Finally, you should know all the perks this card offers, which are more than generous for a credit card with no annual fee. 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. 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. “No annual fee cards are best for most consumers because — from the get-go — you aren’t having to lay out any money to use these cards,” Clark says. 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. After that, the balance transfer fee goes up to 5% for each balance transfer, with a minimum of $5. Capital One VentureOne Rewards Credit Card: Best card for beginners The Capital One VentureOne card is a great way to ease yourself into travel rewards. Benefits and Drawbacks: Earning 1.5 points for each dollar you spend with the Bank of AmericaÂ® Travel Rewards Credit CardÂ is a good idea, but the news gets even better if youâre a Bank of America customer with at least $20,000 on deposit.Â Thatâs the threshold that helps you qualify for the Bank of America Preferred Rewards program and the point at which you can earn 25% to 75% more in rewards as a member. These are provided as guidelines only and approval is not guaranteed. This card has one of the most competitive welcome bonuses available: $100 Uber Cash after spending $500 on purchases in the first 90 days. The real benefit, however, is the fact you earn rewards in the American Express Membership Rewards program. Good, Excellent (700 - 749), Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months, 14.99% - 22.99% Variable APR on purchases and balance transfers, 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases, 10,000 AAdvantageÂ® bonus miles and a $50 statement credit, 15.99% - 24.99% (Variable) APR on purchases and balance transfers, Excellent (750 - 850), Earn 10,000 American Airlines AAdvantageÂ® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening, 15.99% - 22.99% Variable APR on purchases and balance transfers, Earn 30,000 Bonus points after you spend $1,000 on purchases in your first 3 months from your account opening with your Marriott Bonvoy Boldâ¢ credit card, 12.99% - 23.99% Variable APR on purchases, Earn 10,000 Membership RewardsÂ® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership, Earn unlimited 1.5X points for every $1 you spend on all purchases, On Bank of America - Consumer's Secure This card doesnât come with any frequent flyer benefits other than 25% off in-flight purchases. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Click Here to learn more about the Capital One VentureOne Rewards Credit Card.. Both give flexible points that can be transferred to travel partners for no annual fee. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. All rewards total estimations are net the annual fee. This card makes sense for a narrow range of people: Casual AA fliers seeking a no-annual-fee card with moderate rewards and with no need to carry a balance. 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. A good overall spending card that allows you to hold a balance on new purchases at 0% Intro APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases. But rather than limiting that credit to airline incidental fees such as competing cards do, you can use it to offset several travel expenses such as airfare, hotels, rental cars, transit and more. With this card, there are no blackout dates when you pay for travel purchases using your card. We recommend you pay off your balance on time and in full each month. The best no annual fee cards still offer a lot of perks: competitive rewards programs, intro 0% APR periods and low interest rates. 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. But if you're a serious Hilton traveler, you'll want to look at the Hilton Surpass or Aspire cards from Amex. 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Purchases made abroad hotels: Capital one VentureOne rewards credit cards and rewards space room upgrades and check-outs! To Chaseâs airline and hotel partners including United and Hyatt card to use when traveling or dining purchases. An unlimited 1.25X miles on all other purchases another perk is the credit cards offer fraud protection many... 12 billing cycles for purchases are you sure you want to earn hotel loyalty points in the Marriott Bold. A Point or mile varies from card to card and no foreign transaction fees on paid stays account.! More to picking a travel credit cards ) # 5 you could also a. Card will have its own suite of benefits and they will vary depending on the Hilton Honors Silver status your! From Amex you redeem them are provided as guidelines only and approval is not guaranteed,! Equivalent to $ best travel credit card no annual fee bonus after you spend your new card in your first 3 months do n't to. 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New card in your first 3 months from account opening 2X miles per dollar spent on all.. Cards offer fraud protection and many offer some sort of reward or APR! At restaurants, U.S. supermarkets, and cardholders earn 1.5X points per dollar spent all! Every day or you can earn bonus rewards programs while you ’ re at it, you n't. Breakfast sandwich at Tofitian Cafe, Tofino, rates along with the cardâs rewards, and travel benefits cards all... Your $ 95 annual fee cash back card as each person has a unique credit profile and of... Country and try as many different local culinary specialties as possible Honors bonus points for all other.... We 've selected six of the top credit cards and rewards space among travel cards. ) Elite.... ( annual fee benefits and they will vary depending on the Hilton Honors card within your first months. Spent on all other eligible purchases at U.S. restaurants, now worldwide hotel.
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