When we calculated the estimated returns, we assumed that cardholders are redeeming points/miles for a typical maximum value of 1 cent per point or mile. Bonus Offer: 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. There is no one best no annual fee cash back card as each person has a unique credit profile and set of needs. 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%. Typically, no-annual-fee credit cards lack the fancy benefits that come with premium cards, but the best ones out there offer great opportunities to … Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Earn 1X Mile on all other eligible purchases. The Bank of America® Travel Rewards for Students is a great choice for students who plan on studying abroad or traveling during breaks. Why it’s the best credit card for travel credits: The Chase Sapphire Reserve comes with an annual $300 travel credit. Cardholder benefits you’ll receive include automatic Silver Status, but you can move up to Gold status if you spend at least $20,000 on your credit card within a calendar year. 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 card doesn’t come with any frequent flyer benefits other than 25% off in-flight purchases. Each of the travel credit cards in our ranking makes it possible to earn travel rewards points without having to pay a fee each year. This method also avoids giving an unfair advantage to cards with large welcome bonuses. We've selected six of the best travel credit cards with no annual fee for you. 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. The Discover it® Miles card offers users unlimited 1.5X miles for every dollar spent on all purchases. If you want to earn Delta SkyMiles without paying an annual fee to do so, the Delta SkyMiles® Blue American Express Card is one option worth considering. Welcome bonuses vary not only by the card, but by the day as banks are putting out new offers all the time. Best Credit Card in India with No Annual Fee 2021 (Annual Fee waiver Credit Cards) #5. No annual fee does not mean no fees at all, though. You also don’t have to pay foreign transaction fees when you use this credit card to make purchases outside of the U.S. The additional perks geared toward travelers are also worth noting. 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. Prior to working for Forbes, she contributed to other leading publications in the credit cards and rewards space. Benefits and Drawbacks: College students who want to build credit while earning rewards for travel should check out the Bank of America® Travel Rewards for Students. That's like earning 20% back in rewards. 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. This bonus offer is higher than other credit cards without an annual fee, and the regular earning rate is much better than you get with many cash back credit cards that only offer 1%. 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 … Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. SC Manhattan is the only card that offers a direct 5% cashback on your grocery shopping in the supermarkets. Information about the Capital One® VentureOne® Rewards Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. “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. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months., which is enough for a few free nights in a low to mid-tier Hilton hotel. 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. As a Silver Elite, the main hotel benefits you’ll receive include priority late checkout and 10% bonus points on paid stays. 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). These fees can be well worth it when you consider all you receive, but not everyone wants to pay a fee regardless of the value of the benefits they receive. This card offers a strong rewards program whether you're a frequent traveler or someone who spends most of their time closer to home (or, like many of us, are a combination of the two). And both the Marriott Bonvoy Boundless Card and the IHG Rewards Club Premier Credit Card come with annual free nights – … Who's this for? Benefits and Drawbacks: The Marriott Bonvoy Bold Card offers a lower earning rate and welcome bonus than comparable Marriott Bonvoy cards. 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. There's also an impressive welcome bonus for a no-annual-fee card: Earn 20,000 points after you spend $1,000 within the first three months. Rewards cards in general, including travel credit cards, typically require good to excellent credit. 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. Each card will have its own suite of benefits and they will vary depending on the vendor. Click Here to learn more about the Capital One VentureOne Rewards Credit Card.. 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. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. Bonus Offer: 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 Bold™ credit card. There’s $0 annual fee, and you can redeem your points for travel and other options. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. You’ll also get secondary auto rental coverage, access to a Global Assist hotline and no foreign transaction fees. Benefits and Drawbacks: Earning 1.5 points for each dollar you spend with the Bank of America® Travel Rewards Credit Card is a good idea, but the news gets even better if you’re a Bank of America customer with at least $20,000 on deposit. That’s 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. But if you're a serious Hilton traveler, you'll want to look at the Hilton Surpass or Aspire cards from Amex. 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. 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. The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. (Based on our calculations, the average card user will earn around 32,777 miles in the first year.). Standard Chartered Manhattan Credit Card Review. 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. Bonus Offer: Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. We compared each card on a range of features, including travel rewards (points and miles), annual fee, welcome bonus, introductory and standard APR, one-time perks, annual perks, redemption rates, as well as factors such as required credit and customer reviews when available. A couple of cards that consistently offer solid welcome bonuses are the Chase Freedom Unlimited® and the Amex EveryDay® Credit Card*. No annual fee the first year - save $149. The best travel credit cards often come with annual fees attached. 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. If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you. Complimentary international travel insurance. Other than having a low monthly income requirement, the AUB Classic Mastercard also allows their cardholders to choose how much they pay and when they can pay their credit card balances. If you can’t justify paying an annual fee, check out our picks of the best no fee credit cards in Canada that made the cut for 2021. 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. Benefits and Drawbacks: The Amex Everyday® Card doesn’t offer an extremely high rewards rate, but you do earn double points on up to $6,000 in spending at U.S. supermarkets each year. She's a credit card enthusiast and digital nomad who has leveraged credit cards to travel around the world for next to nothing, often in style. And since it has no foreign transaction fees, it’s also a great card to use when traveling. You’ll also get 0% Intro APR on purchases for 15 months, followed by a variable APR of 12.99% to 23.99%. 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 AAdvantage® 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 AAdvantage® 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 Bold™ credit card, 12.99% - 23.99% Variable APR on purchases, Earn 10,000 Membership Rewards® 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 As you review the chart, think about how you would use the card to earn rewards and what benefits are most important to you. 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. It also opens up the possibility of 1:1 transfers to Chase’s airline and hotel partners including United and Hyatt. 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. 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. Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories. The only real downside of this card is its lack of major cardholder benefits. 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. Rewards: Earn 2 miles per dollar spent at grocery stores and on American Airlines purchases and 1 mile per dollar on all other purchases. This is just one scoring method and a credit card issuer may use another method when considering your application. 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. 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