Featured Partner Offer
Wells Fargo Autograph℠ Card
On Wells Fargo's Website
On Wells Fargo's Website
Up to 3X Reward Rate
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streamingRead More
Welcome Bonus
20,000 bonus points
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score
Good, Excellent(700 - 749)
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Travel Credit Cards of 2024
Best No-Annual-Fee Travel Card With Rotating Categories
Chase Freedom Flex℠ *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More
Welcome Bonus
$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Editor's Take
This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Travel℠ to earn 5% cash back
Card Details
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
- 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores and 1% on all other purchases
- No annual fee
Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening, plus earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat-Rate No-Annual Fee Travel Card
Chase Freedom Unlimited®
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 6.5X Reward Rate
Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% cash backRead More
Welcome Bonus
Up to $300 cash back
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Editor's Take
A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases
Pros & Cons
- Generous welcome offer for a no annual fee card
- Unlimited 1.5% minimum earn rate for cash-back rewards
- No minimum redemption amount
- Foreign transaction fee
- Ongoing balance transfer fee is high
- Requires a companion card to transfer points to travel partners
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Flat-Rate Cash-Rewards Card for Travel
Wells Fargo Active Cash® Card
On Wells Fargo's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Editor's Take
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cellphone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Everyday Spending
Wells Fargo Autograph℠ Card
On Wells Fargo's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Up to 3X Reward Rate
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streamingRead More
Welcome Bonus
20,000 bonus points
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score
Good, Excellent(700 - 749)
Editor's Take
Earning 3 points per dollar spent on a wide range of spending—including restaurants, travel, gas stations, transit and popular streaming services—for no annual fee, the Wells Fargo Autograph is a powerhouse.
Pros & Cons
- No annual fee
- No foreign transaction fee
- Introductory APR period
- Plentiful reward points categories
- Protections include cell phone insurance
- Balance transfer fee
- No introductory balance transfer APR
- No travel transfer partners
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Credit Union Card for Travel
Alliant Cashback Visa Signature Credit Card *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2.5% Reward Rate
Those eligible for Tier 1 Rewards earn 2.5% cashback on the first $10,000 of qualifying eligible purchases per billing cycleRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.49% - 27.49% variable
Credit Score
Excellent(750 - 850)
Editor's Take
If you regularly rack up your monthly balance, the 2.5% return on the Alliant card is hard to beat. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus.
Pros & Cons
- 2.5% cash back rate on up to $10,000 in monthly purchases for eligible accounts (then 1.5%)
- No foreign transaction fees
- Generous credit line
- No intro APR offer
- No welcome bonus
- Requires a companion checking account with balance, direct deposit and e-statement requirements
Card Details
- Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%
- You can choose to receive cash back from your Alliant credit card via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings
- Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Card To Earn Cash Back on Travel
Discover it® Cash Back
On Discover's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 5% Reward Rate
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more,Read More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
17.24% - 28.24% Variable APR
Credit Score
Excellent/Good
Editor's Take
For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate.
Pros & Cons
- 5% cash back on quarterly rotating spending categories throughout the year (activation required)
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- No minimum cashback redemption
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate on everything else
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No Annual Fee Amex Card for Travel
Blue Cash Everyday® Card from American Express
On American Express's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 3% Reward Rate
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up toRead More
Welcome Bonus
Earn $200
Annual Fee
$0
Regular APR
19.24%-29.99% Variable
Credit Score
Excellent/Good(700 - 749)
Editor's Take
For no annual fee, the Blue Cash Everyday® Card from American Express offers excellent value in the right hands. Spending a lot at U.S. supermarkets and U.S. gas stations brings plump rewards, while the introductory APR rate on purchases helps keep your interest expenses down. Look elsewhere for foreign transactions.
Pros & Cons
- No annual fee
- Introductory APR offer on purchases and balance transfers
- Above-average earnings at U.S. supermarkets, U.S. gas stations and online retail purchases in the U.S.
- Elevated earnings at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. are capped at $6,000 in annual spending per category
- Rewards earning outside of the bonus categories is just 1% cash back
Card Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Card To Earn Rewards on Rent
Bilt World Elite Mastercard®
On Bilt's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bilt's Website
Up to 3x Reward Rate
1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on travelRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
See terms
Credit Score
Good/Excellent(700 - 749)
Editor's Take
Pay rent, earn rewards and use your earnings for travel. Sounds like a great way to maximize your rent money to us.
Pros & Cons
- Earn rewards on rent
- Primary car rental and cell phone insurance
- Points can be transferred to partners
- Requires five card transactions per statement period to earn rewards
- No welcome bonus
- High regular APR range
- Rewards outside of rent spend are relatively low compared to other cards
Card Details
- Earn points when you make 5 transactions that post each statement period
- $0 annual fee
- 1x points on rent payments with no transaction fee (on up to 100,000 points each calendar year)
- 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company)
- 3x points on dining
- Plus 1x points on other purchases
- Cell Phone Insurance
- Purchase security (theft and damage protection)
- Mastercard® World Elite Concierge
- Lyft Credits
- No foreign currency conversion fee
- Rewards & benefits terms
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Card for Dining
U.S. Bank Altitude® Go Visa Signature® Card *
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 4X Reward Rate
Earn 4 points per dollar on dining, takeout, and restaurant delivery and 2 points per dollar at grocery stores, groceryRead More
Welcome Bonus
20,000 bonus points
Annual Fee
$0
Regular APR
18.24% - 29.24% (Variable)
Credit Score
Excellent Credit(750 - 850)
Editor's Take
With no foreign transaction fee and industry-leading earnings on dining, the Altitude Go could get you up into the air quickly.
Pros & Cons
- No foreign transaction fee
- No penalty APR
- Generous rewards for a no annual fee card
- Annual credit toward eligible streaming services
- Balance transfer fee
- No bonus reward tier for entertainment spending
Card Details
- Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
- 4 points per dollar spent on dining, takeout, and restaurant delivery
- 2 points per dollar spent on streaming services and a $15 credit for annual streaming purchases
- 2 points per dollar spent at grocery stores and delivery, gas stations, and EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024)
- 1 point per dollar spent on all other eligible purchases
- No annual fee
- Points never expire
Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Card for Hilton
Hilton Honors American Express Card
On American Express's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 7X Reward Rate
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within theRead More
Welcome Bonus
Earn 100,000 points
Annual Fee
$0
Regular APR
20.99%-29.99% Variable
Credit Score
Good,Excellent(700 - 749)
Editor's Take
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. But if you’re a serious Hilton traveler, you’ll want to look at one of the higher end cobranded Hilton cards offered by American Express.
Pros & Cons
- High point earning rates
- Generous welcome bonus
- Automatic Silver status includes fifth night free on award stays
- No annual fee or foreign transaction fee
- No blackout dates
- Low point redemption value
- Silver status comes with limited benefits
- Poor transfer rate to airline partners
Card Details
- Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- Terms Apply.
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Earning Membership Rewards Points
Amex EveryDay® Credit Card *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2x Reward Rate
Earn 2X points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American ExpressRead More
Welcome Bonus
Earn 10,000 points
Annual Fee
$0
Regular APR
18.24% - 29.24% variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you.
Pros & Cons
- Possible to earn 20% bonus on all points earned
- 2 Membership Rewards points per dollar on up to $6,000 spent annually at U.S. supermarkets (then 1 point per dollar)
- No annual fee
- 2.7% foreign transaction fee
- Spending cap on bonus points at grocery stores
- Requires 20 purchases per month to earn 20% bonus
Card Details
- Earn 10,000 membership rewards points after spending $2,000 in qualifying purchases in the first 6 months of card membership
- Earn 2 points per dollar spent on qualifying purchases at US supermarkets up to $6,000 per year (then 1 point)
- Earn 2 points for every dollar when you use your card to book your trip through American Express Travel
- Earn 1 point for every eligible dollar you spend on everything else
- You can use membership rewards points towards eligible charges you make on your card, such as retail, dining, entertainment and more
- Use your card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases
All information about Amex EveryDay® Credit Card has been collected independently by Forbes Advisor
All information about Amex EveryDay® Credit Card has been collected independently by Forbes Advisor
Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Airline Card
United Gateway℠ Card
On Chase Bank USA, NA's Website
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 2x Rewards Rate
2X miles per $1 spent on United purchases, at gas stations and on local transit and commuting. 1 mile perRead More
Welcome Bonus
Earn 20,000 bonus miles
Annual Fee
$0
Regular APR
21.99% - 28.99% Variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
With its simple and respectable rewards rates, plus Visa Signature benefits, casual fliers who are loyal to United will find value in United’s only card with no annual fee.
Pros & Cons
- Earn 2 miles on purchases with United, at gas stations and on local transportation
- Enjoy expanded United award travel availability
- No foreign transaction fee
- No annual fee
- Earns only 1 mile per dollar spent on non-bonused purchases
- No free checked bag or enhanced boarding benefits
Card Details
- Earn 20,000 bonus miles
- No annual fee
- Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
- Earn 2 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent at gas stations, on local transit and commuting
- Earn 1 mile per $1 spent on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Member FDIC
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No-Annual-Fee Hotel Card
Marriott Bonvoy Bold® Credit Card *
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
3 points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy program, 2 points per dollar on otherRead More
Welcome Bonus
Earn 30,000 bonus points
Annual Fee
$0
Regular APR
21.49% - 28.49% variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
One of several Marriott credit cards, the Marriott Bonvoy Bold card is the only one without an annual fee. 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.
Pros & Cons
- No foreign transaction fee
- The first Bonvoy Rewards card with no annual fee
- 15 Elite Night credits per year + Silver Elite status
- Rewards bonus categories are somewhat limited
- No intro APR offer
- 5% fee for balance transfers
Card Details
- Earn 30,000 bonus points after you spend $1,000 on your first 3 months of account opening.
- Earn 3X points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy®
- Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy member
- 15 elite night credits annually, enough for Silver Elite status, terms apply
- No annual fee
Earn 30,000 bonus points after you spend $1,000 in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
