We have analyzed 12 popular travel cards with no annual fees using the US average annual budget and digs the benefits and barriers to each card to find the best credit card for your travel habits.
While many of the best credit cards charge an annual fee, there is still a shortage of unpaid credit cards full of high value benefits and rewards. You can get refundable credit cards, over-the-counter credit cards, 0% APR credit cards and bad credit cards at no cost to you.
While these cards do not add up to annual payments, keep in mind that they will come with a lot of interest and fees if you fail to pay on time. That’s why we recommend that you never carry a balance on your credit card – even if it doesn’t have an annual fee.
We have made this list for the chewing offer of credit cards from top providers and not to limit credit cards paid annually to ValuePenguin. Depending on what you want, any of the cards below are top rivals with no annual fee. However, for all options, we believe that Chase Freedom Unlimited® is the best free credit card due to its unlimited revenue rate and flexibility in using your refund, travel and other redemption options.
If you don’t want to pay an annual fee on your credit card, you never need to. Whether you are a refund, travel or other type of prize, annual cash options may be available to you. Those donations may not be as rich as those offered by those high-paying cards for the year, but there are still good deals to be found.
– Matt Schulz, Chief Credit Analyst at LendingTree
Whether you want to cut back or put your toes into the world of credit card rewards, these are the best paid credit cards by 2021.
The best American credit card with no annual fees
Our thoughts
The Blue Cash Everyday® Card from American Express is one of the best credit cards. You will return 3% to U.S. supermarkets (Up to $ 6,000 per year on purchase, then 1%). 2% refund at U.S. gas stations and selected U.S. stores 1% money after other purchase. Prizes can be easily redeemed from statement debt in respect of your purchase.
Don’t expect many additional benefits without a refund, but this is a great everyday card – hence the name.
Our thoughts
The Blue Cash Everyday® Card from American Express is one of the best credit cards. You will return 3% to U.S. supermarkets (Up to $ 6,000 per year on purchase, then 1%). 2% refund at U.S. gas stations and selected U.S. stores 1% money after other purchase. Prizes can be easily redeemed from statement debt in respect of your purchase.
Don’t expect many additional benefits without a refund, but this is a great everyday card – hence the name.
Chase Sapphire Preferred® Card
ValuePenguin decision
It’s hard to beat the value and flexibility you get with a Chase Sapphire Preferred® Card – our choice of the best credit card rewards. Points cost 1.25 cents each when redeemed through the Chase Ultimate Rewards® website. You can also transfer them in a 1: 1 ratio to any Chase Ultimate Rewards reward transfer partners, who may press for more than $ 1,600 in bonus.
What really makes this one of the best travel credit cards in the world is its travel insurance benefits, which is one of the most powerful ways we have seen a credit card paid annually on this list. These include travel cancellation and disruption insurance, refunds for travel delays, travel accident insurance, and delayed and lost luggage insurance. You will also receive basic car rental insurance, which means you do not have to claim your privacy policy to get access to your credit card.
Coronavirus reactivation. Until April 30, 2021, cardholders can use the “Pay Back” feature to earn 1.25 cents per redeemed point to obtain statement credit in grocery stores, home repairs, restaurant purchases or donations to eligible charities.
Chase Sapphire Reserve®
ValuePenguin decision
Chase Sapphire Reserve® is often portrayed as an excellent credit card for travel points, and for good reason. The killing of the premium benefits that come with it in addition to earning a hefty annual fee if you travel regularly, and both Chase Ultimate Rewards points are important (costing at least 1.5 cents each for Chase Sapphire Reserve® card holders) and are very diverse.
The $ 300 annual Chase Sapphire Reserve® tour loan – which can be used for any purchase of codes such as travel, including everything from planes and hotels to trains, buses, taxis and parking garages – reduces annual fees by up to $ 250. Priority Pass ™ Choose one-on-one membership, which gets excellent access to 1,300+ airport lounges worldwide, costs more than $ 400. Lost or delayed shipping insurance, travel accident insurance, emergency evacuation and emergency medical insurance – you can’t always hit.
Coronavirus reactivation. Until April 30, 2021, cardholders can use the “Pay Yourself Back” feature to earn 1.5 cents per redeemed point to obtain statement credit in grocery stores, home repairs, restaurant purchases or donations to eligible charities. Gas station purchases and store purchases are calculated based on the annual travel debt of $ 300 until December 31, 2021
Hilton Honors American Express Card
ValuePenguin decision
The Hilton Honors American Express Card packs a staggering amount of card that can be charged annually. First of all, it comes with a truly open welcome gift, which estimates that it can cost about $ 400 at a hotel in Hilton. Second, whether you are looking at a fixed amount of Hilton points (costing only 0.5 points per point, by our estimation), the card offers points for your regular purchase: Get 7X Bonus Points for every eligible dollar paid at the hotel or go inside Hilton’s portfolio , 5X Hilton Honors Bonus Points at US restaurants, US supermarkets, and US gas stations AND 3X Hilton Honors Bonus Points for all other items worth buying on your Card. Finally, the card gives you the default Hilton Honors status, with the opportunity to earn Gold status after spending $ 20,000 on eligible purchases on your card during the calendar year. The elite status confirmed by Hilton each year makes this card a keeper.
