By Kira Brecht
Posted July 20th 2018
Wish you could find a travel credit card without the dreaded annual fee? Look no further.
Travel credit cards offer valuable rewards you can use to pay for airfare, hotels and even car rentals. The best way to maximize rewards and minimize your costs is to use a no-annual fee credit card.
Most travel credit cards come with a sizeable annual fee. The good news is you can unlock the door to amazing travel rewards without paying an annual fee, if you apply for the right card.
We’ve done the research and identified the top three travel rewards cards that have $0 annual fee.
These cards are the best low-stress ways to earn substantial travel rewards. These cards let you fly any airline, anytime, without blackout dates and come with no foreign transaction fees or an annual fee.
Apply today and start earning miles to turn your travel dreams into reality.
Best No-Annual Fee Travel Cards
Earn 3x Miles on all Purchases in Your First Year
Massive bonus: This no-annual fee card makes a big splash and Discover rewards travelers with one of the most lucrative sign-up bonuses available. Discover will match all the miles you’ve earned at the end of your first year. For example, if you earn 50,000 miles, you will automatically get 100,000 miles. If you direct all your everyday spending to this card, at the end of the year you could take home a massive bonus.
High on-going rewards: This first-class card offers you unlimited 1.5x miles per dollar on all purchases, every day. With the sign-up bonus, that means you will earn 3 miles for every $1 you spend during your first year, which is an incredible rate for a no-annual fee card.
Easy-to-use: Your miles won’t expire. No blackout dates, fly any airline, any time. No foreign transaction fees.
Get Long 0% Intro APR: If you have a big purchase coming up, get a long 0% for 14 Months then 13.74% – 24.74% Variable on purchases with this card in your wallet. That means you have over a year to pay off the balance with no interest payments piling up.
Discover rolls out the red carpet for its card holders. Discover it® Miles comes with a long list of valuable benefits often seen only on cards with a hefty annual fee. We hit the high points here:
- Impressive Security Features – including free identity theft alerts.
- FICO® Credit Score for free on monthly statements, on mobile, and online.
- Free overnight card replacement.
- 100% U.S. based customer service.
- No late fee on your first late payment.
People love having a Discover card in their wallet. Discover received the second highest score among credit card issuers in the J.D. Power 2017 Credit Card Satisfaction Study.
Who should get this card: If you are looking to earn a big travel sign-up bonus, this card delivers the biggest return on all your spending. This card is also a great choice for people who have a big purchase coming up that they’d like to finance interest-free for over a year. If you have high-interest credit card debt, there is a intro balance transfer offer on this card (very few travel cards offer this.) This card offers the most benefits, the best first-year sign-up bonus and an extremely high reward on all your everyday spending. This card is hard to beat.
Unlimited 1.5 Points for Every Dollar Spent
Solid sign-up bonus: This no-annual fee card offers 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening. That can be a $200 statement credit toward travel purchases.
Regular rewards rate: Cardholders earn 1.5 points per $1 spent on purchases.
Intro APR: This card does offer 0% introductory apr on purchases for 12 billing cycles then 16.74% – 24.74% Variable APR.
The Bank of America® Travel Rewards Credit Card is a straightforward no-annual fee travel card. Points can be redeemed for nearly any travel purchase in the form of a statement credit. This card also offers no foreign transaction fees. This card does have a 0% intro APR period, but if you’d like longer 0% interest on purchases, or if you need to do a balance transfer, the Discover it® Miles may be a better choice for you. The Discover card also has a lower go-to purchase rate after the intro period ends.
Who should get this card: If you already bank with Bank of America you can get increased travel rewards with this card in your wallet.
No Frills, No Annual Fee Card
Respectable sign-up bonus: This no-annual fee card offers a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel.
Regular rewards rate: This card offers a decent 1.25 miles per dollar on every purchase, every day for a no-annual fee card. However, you can earn a better on-going rewards rate with the Discover it® Miles.
Intro APR: This card does offer 0% intro on purchases for 12 months.
The miles you earn are good for any travel expense like airfare, hotel rooms, cruises and car rentals. To figure out how many miles you need, add 2 zeros to your travel cost. If a flight costs $210, you would need 21,000 miles in rewards.
Who should get this card: If you don’t spend a lot on credit cards each month, you may want to consider this card. This card has a relatively low bar to meet for the sign-up bonus. That means you won’t feel pressured into spending more just to get the bonus. However, if you’d like a higher on-going rewards rate, you can get more bang for your buck with the Discover it® Miles card.
You can earn hundreds of dollars in travel rewards from these no-annual fee travel cards. Get the most mileage out of your everyday spending and apply for one of these cards now.