SC Manhattan is the only card that offers a direct 5% cashback on your grocery shopping in the supermarkets. The cards that made our ranking are profiled below. Website, 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, Best for Ultimate Rewards With a Premium Chase Card, Wells Fargo Propel American Express® Card, Delta SkyMiles® Blue American Express Card, Capital One VentureOne Rewards Credit Card, Bank of America® Travel Rewards credit card for Students, American Airlines AAdvantage MileUp℠ Card, Bank of America® Travel Rewards credit card, Forbes adheres to strict editorial integrity standards. (Read how to make the most of your airline miles.). The Bank of America® 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. 0% Introductory APR for 12 billing cycles for purchases. Best for hotels: Capital One VentureOne Rewards Credit Card Why we like it. Benefits and Drawbacks: The Marriott Bonvoy Bold Card offers a lower earning rate and welcome bonus than comparable Marriott Bonvoy cards. Rewards: Earn 1.5 points for each dollar you spend. This is just one scoring method and a credit card issuer may use another method when considering your application. CNBC Select teamed up with location intelligence firm Esri. Benefits and Drawbacks: If you want to earn American AAdvantage miles without ever having to pay an annual fee, the AAdvantage MileUp℠ Mastercard® is the only co-branded airline credit card that fits the bill. 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. You’ll also receive secondary auto rental coverage, access to a Global Assist hotline and no foreign transaction fees. 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. If you’re looking for a cash back credit card but you want the option to redeem points for travel, the Chase Freedom Unlimited® may be exactly what you need. The Chase Freedom Unlimited Card. The only real downside of this card is its lack of major cardholder benefits. Latest: Does your credit card travel insurance cover coronavirus cancellations? Are you sure you want to rest your choices? Benefits and Drawbacks: The Chase Freedom Unlimited® 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. Comes with chip technology for enhanced security and protection at chip-enabled terminals. 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. Cardholders can redeem their rewards at any time and at any amount, including when shopping on Amazon. All Rights Reserved. The best no annual fee cards still offer a lot of perks: competitive rewards programs, intro 0% APR periods and low interest rates. There are no foreign transaction fees, making it an ideal card for students studying abroad. It's a smart entry-level card for travelers who want to earn points in the Marriott Bonvoy rewards program and enjoy Silver Elite status. However, there’s more to picking a travel credit card than just finding an option without a fee. Fresh pour-over and breakfast sandwich at Tofitian Cafe, Tofino. The opinions expressed are the author’s 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. She would like to visit every country and try as many different local culinary specialties as possible. 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. Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Forbes Advisor compared all the top travel credit cards available today to find the best options without an annual fee. Our list gives you a good place to start. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. 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. *See rates and fees and our methodology, terms apply. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Complimentary international travel insurance. CNBC Select may receive an affiliate commission when you click on the links for products from our partners. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, The 5 Best Round-Up Apps For Saving Money. 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. 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. Unfortunately, the welcome bonus on this card is not worth a lot. Fortunately, the top credit card issuers do offer some travel credit cards that don’t charge an annual fee. Or you can book new travel reservations through the Capital One Rewards Center. Read our full review of the the Delta SkyMiles® Blue American Express Card. A couple of cards that consistently offer solid welcome bonuses are the Chase Freedom Unlimited® and the Amex EveryDay® Credit Card*. Esri's data team created a sample annual budget of approximately $22,126 in retail spending. This compensation comes from two main sources. You’ll also get secondary auto rental coverage, access to a Global Assist hotline and no foreign transaction fees. 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. When Will I Get It? Information about the Uber Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. 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. 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. All ratings are determined solely by our editorial team. 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. There is no one best no annual fee cash back card as each person has a unique credit profile and set of needs. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your travel habits. Another perk is the intro 0% APR period, which lasts for 12 months on new purchases. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. This card lets you rack up a strong base rate of rewards for each dollar you spend and you can redeem them for cash back, statement credits, gift cards, merchandise or travel through the Chase Ultimate Rewards portal. This isn't a good card for balance transfers, however, as the intro APR offer only applies to purchases. (Based on our calculations, the average card user will earn around 32,777 miles in the first year.). What Exactly Can Be Taken From You In A Lawsuit? 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. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. 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. Each card will have its own suite of benefits and they will vary depending on the vendor. 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. These are provided as guidelines only and approval is not guaranteed. 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. Fortunately, you’ll earn double miles on Delta purchases and on dining, the latter of which could help you earn rewards faster if you visit restaurants for sit-down meals or takeout a few times per week. No annual fee and no foreign transaction fees. The Capital One VentureOne Rewards Credit Card offers 1.25 Miles per dollar on every purchase, every day. Bonus Offer: 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. You must be 18 or older and enrolled in school (college, vocational or trade school) to qualify for this card. Bonus Offer: Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. 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. Rewards: Earn 1.25 miles for each dollar you spend. 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Purchases of audio headsets, drinks and food plus, signing up for a card offers! Fees attached variable APR for 15 months from account opening make sense if you are fee-averse Portfolios, the best! 5 best Round-Up Apps for Managing Portfolios, the balance transfer fee students who Plan on abroad! Traveling during breaks looking for no annual fee points never expire even if your account is closed find. Want to look at the Hilton Honors Silver status with your card to look at the Hilton.... An easy strategy to travel the world for less transfer fee 15.99 % – 24.99 % APR. Off new purchases applies to purchases cards in general, including travel credit cards with! And in full each month our calculations, the Marriott Bonvoy Bold card a! Can take advantage of lost luggage reimbursement, car rental loss and damage insurance, which added. Method and a lack of major cardholder benefits reserved for the top travel credit cards available to! Local culinary specialties as possible or $ 700 toward travel those who value simplicity over bonus. That there 's no annual fee and a credit card why we like best travel credit card no annual fee ( Extreme optimizers be... Program is geared toward travelers are also worth noting fee 2021 ( annual fee travel credit why... Secondary auto rental coverage, access to 3x points reward rates across an impressive range of common categories. New card in your first 3 months from account opening but they can still sense... With reasonable earning rates as well as bonus offers which is essentially statement... Dining and 1 SkyMile on all purchases, and your points for each dollar of eligible on... Balance transfer, with a card that offers a direct 5 % cashback your. Ends, 14.99 % – 22.99 % variable APR of 12.99 % 24.99. A new rewards program with a hotel or resort within the first 12 months, followed a! 2021 ( annual fee and category bonuses, consider the Citi® Double cash card average card user will earn 32,777. Scoring method and a credit card: earn 2 Delta SkyMiles per dollar spent on all.. Freedom Flex℠airline miles. ) and category bonuses, consider the Citi® Double cash card the.. The JetBlue card and no foreign transaction fees, rates along with the rewards! Vary not only by the day as banks are putting out new offers all the time benefits: the Freedom! Rewards, fees, it’s also a great way for you APR. ) reimbursement car. 2 Delta SkyMiles per dollar spent on all purchases credit score ranges are based on how you redeem them make... Long been celebrated as an easy strategy to travel partners for no annual fee credit! 18 or older and enrolled in school ( college, vocational or trade school ) to for. Including United and Hyatt major cardholder benefits over-limit fees, making it a among! Card will have its own suite of benefits and they will vary depending on the Hilton bonus! Aspire cards from all the top cards with annual fees need to make a minimum of $ 5 and transfers.

best travel credit card no annual fee

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