While you’re at it, you could also enjoy a more comfortable stay with perks like complimentary room upgrades and late check-outs. 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 youâre not traveling. Cardholders can take advantage of lost luggage reimbursement, car rental loss and damage insurance, roadside assistance and 24/7 travel and emergency assistance. The Blue Delta SkyMiles Credit Card from American Express is a good starter card for casual Delta fliers to earn Skymiles without paying an annual fee. Standard Chartered Manhattan Credit Card Review. 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. Youâll 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. 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. Earn 1 CUA Platinum Rewards Point per $1 spent. (Read how to make the most of your airline miles.). This card also provides a year of no interest on purchases and balance transfers. The Bank of AmericaÂ® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. The best no annual fee cards still offer a lot of perks: competitive rewards programs, intro 0% APR periods and low interest rates. Unemploymentâ âBenefitsâ âBoostâ Calculator, See Cardholders earn 5% back in Uber Cash on all Uber purchases including Uber rides, Uber Eats orders and JUMP bike and scooter rides. 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 only need to make a minimum transaction of Rs. Read our full Chase Freedom UnlimitedÂ® review. After that, the balance transfer fee goes up to 5% for each balance transfer, with a minimum of $5. The Amex EverydayÂ® Card from American Express doesnât charge an annual fee, yet youâll earn American Express Membership Rewards points that can be transferred to airlines and hotels. This card starts you off with 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, but youâll also earn a flat 1.5 points for each dollar you spend. Frequent travelers will like this card because it gives you points not just on flights and hotels but also car rentals, homestays and ridesharing services. No annual fee the first year - save $149. No annual fee means that the credit card company does not charge you to hold a credit card. Earn unlimited 1.5 points per $1 spent on all purchases, and your points never expire. 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. 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). No annual fee does not mean no fees at all, though. 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. 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%. The Capital One VentureOne Rewards Credit CardÂ 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. 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. 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. Benefits and Drawbacks: The Capital One VentureOne Rewards Credit Card makes it easy to earn miles and redeem them for any travel purchases you want. 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. Here are some advantages of cards with an annual fee: Big spenders get big rewards: You may find the annual fee small change compared to the generous and unlimited rewards available from many annual-fee credit cards. That's like earning 20% back in rewards. 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. To view rates and fees of the Delta SkyMilesÂ® Blue Credit Card, please click here. She would like to visit every country and try as many different local culinary specialties as possible. Finally, youâll qualify for 0% Intro APR on purchases for 12 months, followed by a variable APR of 15.49% to 25.49%. If you want to earn travel rewards points and youâre already a Bank of America customer, the Bank of AmericaÂ® Travel Rewards Credit CardÂ should be on your list. If you rack up 35,000 miles within the first 12 months, Discover will match you with 35,000 miles. 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. 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. 14.49% - 24.99% Variable APR on purchases and balance transfers, Good/Excellent (700 - 749), 20,000 bonus points when you spend $1,000 in purchases in the first 3 months â a $200 cash redemption value. All ratings are determined solely by our editorial team. Another perk is the intro 0% APR period, which lasts for 12 months on new purchases. Website, Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening, On American Express's Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. The cards in this round-up check every box, and based on our calculations, you could earn upwards of $1,500 in cash back over five years. Rewards cards in general, including travel credit cards, typically require good to excellent credit. CNBC Select teamed up with location intelligence firm Esri. Unfortunately, the welcome bonus on this card is not worth a lot. Finally, you should know all the perks this card offers, which are more than generous for a credit card with no annual fee. There are also no foreign transaction fees, so you can use this card abroad without the typical 3% fee other cards may charge. Traditionally, these types of rewards have been reserved for the top cards with an annual fee. 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. 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). Why it’s the best no-annual-fee card for travel: The Wells Fargo Propel is a great choice as a first travel credit card. Benefits and Drawbacks: The Chase Freedom UnlimitedÂ® may be marketed as a cash back credit card, but you can redeem your rewards for travel through the Chase Ultimate Rewards portal, which partners with Expedia.com. We recommend you pay off your balance on time and in full each month. SC Manhattan is the only card that offers a direct 5% cashback on your grocery shopping in the supermarkets. Plus, signing up for a no-fee card doesn't necessarily mean giving up on valuable travel perks. If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you. This no-annual-fee card also gives cardmembers an unlimited 1.25X miles on all other purchases, making it a solid choice for everyday use. Second Stimulus Check Calculator: How Much Will You Receive? As a Silver Elite, the main hotel benefits youâll receive include priority late checkout and 10% bonus points on paid stays. Earn unlimited 1.5% cash back on all other purchases. Who's this for? That's the equivalent to $200 in cash. One of several Marriott credit cards, the Marriott Bonvoy Bold card is the only one without an annual fee. 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. Complimentary international travel insurance. The best part is, miles earned never expire even if your account is closed. But, there’s good news: There are some great travel rewards cards available that allow you to earn rewards at a competitive rate, and without the annual costs of a premium card. The Chase Freedom Unlimited Card. Earn 2 SkyMiles at restaurants and on Delta purchases, as well as 1 mile per dollar on other eligible purchases, Use Pay with Miles for flight discounts starting at $50 off for 5,000 miles, Welcome bonus is not enough for even a one-way flight in many cases. 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