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11 Best No-Annual-Fee Travel Credit Cards in 2024

Updated on:

We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is one of the best no-annual-fee travel cards — it earns simple, transferrable miles that can save you significantly on travel each year.

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Best no-annual-fee travel credit cards

Winner: Best no-annual-fee travel card

Capital One VentureOne Rewards Credit Card

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Best for travel insurance

Chase Freedom Unlimited^®

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Best airline no-annual-fee travel card / United

United Gateway℠ Card

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Best for Delta

Delta SkyMiles^® Blue American Express Card

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Best for American Airlines

American Airlines AAdvantage^® MileUp^® Card

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Best for JetBlue Airlines

JetBlue Card

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Best hotel no-annual-fee travel card / Hilton

Hilton Honors American Express Card

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Best Marriott no-annual-fee travel card

Marriott Bonvoy Bold^® Credit Card

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Best for dining and travel

Capital One SavorOne Cash Rewards Credit Card

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Honorable mention

Bilt World Elite Mastercard^®

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Honorable mention

Wells Fargo Autograph^℠ Card

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A travel credit card doesn’t always mean you have to pay an annual fee. Our list of no-annual-fee travel credit cards allow you to earn rewards for hotels, airlines or other travel without charging you extra.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Winner: Best travel card with no annual fee

Capital One VentureOne Rewards Credit Card*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Travel Rewards: 1.25-5 miles

1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.

Good sign-up bonus
Simple rewards structure
Transfer your miles to Capital One’s 15-plus loyalty programs
Intro APR offer
No foreign transaction fee

Lower earning rate compared to other travel credit cards
No bonus categories

The Capital One VentureOne Rewards Credit Card is the best travel credit card with no annual fee, because its rewards and sign-up bonus offer the most potential savings out of any general no-annual-fee travel card. You’ll earn an unlimited 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.

Your miles can be used to book travel, erase travel purchases or transfer to Capital One’s 15+ airline and hotel partners for possibly even higher value. And when you book through Capital One Travel, you’ll receive a price match guarantee to help you get the best price — even after booking your trip.

LendingTree’s rating: 3.9/5*

Average annual value over two years: $656 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Excellent
Other features: Average

*Based on LendingTree’s value methodology

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

*The information related to the Capital One VentureOne Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card with no annual fee for travel insurance

Chase Freedom Unlimited^®*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Travel Rewards: 1.5%-5% cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

High sign-up bonus
Earns at least 1.5% on all purchases
Trip cancellation insurance up to $1,500 per person
Rental car insurance for collision and theft
Transfer points to other Chase Ultimate Rewards® cards

Charges a foreign transaction fee
Can’t transfer points without a premium card

Offering travel insurance and reimbursement up to $6,000 per trip, the Chase Freedom Unlimited^® is one of the few no-annual-fee travel cards that offer trip protection. You’ll also get great, flat-rate rewards, plus bonus cash back on drugstores, dining and Chase travel. Rewards never expire, and they can be used to book travel, get cash back, buy gift cards or shop at Amazon.

The best way to get the most value out of your Chase Ultimate Rewards® points is to transfer them to Chase transfer partners (if you own a premium card like the Chase Sapphire Preferred^® Card). With over 10 airline and hotel partners, your points transfer at a 1:1 ratio, which means you can travel the world and fly or stay for free.

LendingTree’s rating: 4.7/5*

Average annual value over two years: $572 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Excellent
Other features: Average

*Based on LendingTree’s value methodology

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 that lets 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 expire as 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 19.99% - 28.74%.
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

*The information related to the Chase Freedom Unlimited^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best airline credit card with no annual fee / United

United Gateway℠ Card*

LendingTree's Review

3.8

LendingTree's Review

3.8

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Travel Rewards: 1-2 miles

2x miles on United® purchases, at gas stations, and on local transit and commuting. 1x mile on all other purchases.

$0 foreign transaction fees
Earns miles on a wide variety of categories
Generous travel and purchase coverages
Receive 25% back on United in-flight purchases
Miles don’t expire

No free checked bags
Benefits are limited to United airlines

The United Gateway℠ Card is the best no-annual-fee airline card, as it offers the best combination of flexibility, value and card benefits of any no-annual-fee airline card. Cardholders earn bonus miles on a wide variety of categories, including transportation expenses, like gas, rideshare, taxis and tolls.

It also gives you a pretty good welcome bonus with a relatively small minimum spend requirement, good travel insurance benefits and no foreign transaction fees. Plus, unlike some competitors (such as American Airlines AAdvantage), United Mileageplus miles never expire. This means that you won’t have to fret about keeping your account active if you are only an occasional United flyer.

LendingTree’s rating: 3.8/5*

Average annual value over two years: $493 (versus $398 for the average no-annual-fee card)
Flexibility of rewards: Average
Other features: Good

*Based on LendingTree’s value methodology

Limited-time Offer: Earn 30,000 bonus miles
No annual fee
2x miles on United® purchases
2x miles at gas stations
2x miles on local transit and commuting
1x mile 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

*The information related to the United Gateway℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Delta credit card with no annual fee

Delta SkyMiles^® Blue American Express Card*

LendingTree's Review

0.6

Delta SkyMiles<sup>®</sup> Blue American Express Card

LendingTree's Review

0.6

Learn More

Travel Rewards: 1x-2x miles

Earn 2X Miles per dollar spent on Delta purchases and at restaurants worldwide, plus takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.

Double miles on Delta and restaurant purchases
Easy-to-earn welcome offer
20% back on in-flight purchases
Foreign transaction fee: None

Limited travel benefits
Low welcome offer
Delta miles have a lower value than other airline currencies and can be difficult to use
American Express may not be accepted everywhere, especially when traveling internationally
Rewards are limited to Delta Air Lines

The Delta SkyMiles^® Blue American Express Card is the only no-annual-fee card from Delta Air Lines, so it wins by default. If you’re an occasional Delta flyer who wants to dip your toe into the Delta SkyMiles program, you’ll find some value in this card. You’ll earn a decent rate on dining and Delta Air Lines purchases, and you’ll get a handful of travel perks like no foreign transaction fees and a 20% discount on in-flight Delta purchases.

That said, you’ll get a much better deal with a general travel card like the Capital One VentureOne Rewards Credit Card. And if you fly more frequently with Delta, you should strongly consider an annual fee Delta credit card, like the Delta SkyMiles^® Gold American Express Card, to earn better rewards and bona fide benefits like a free checked bag on Delta flights.

LendingTree’s rating: 0.6/5*

Average annual value over two years: $312 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Average
Other features: Average

*Based on LendingTree’s value methodology

*To see rates & fees for Delta SkyMiles^® Blue American Express Card, please click here.

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
No Foreign Transaction Fees.
Terms Apply.

*The information related to the Delta SkyMiles^® Blue American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best American Airlines card with no annual fee

American Airlines AAdvantage^® MileUp^® Card*

LendingTree's Review

2.9

American Airlines AAdvantage<sup>®</sup> MileUp<sup>®</sup> Card

LendingTree's Review

2.9

Learn More

Travel Rewards: 1-2 miles

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.

Double miles on grocery purchases
Earns valuable AAdvantage miles
25% discount on in-flight food and beverage purchases
Low spending requirement for welcome bonus

Below-average sign-up bonus
Charges a foreign transaction fee
Minimal travel benefits
Rewards are limited to American Airlines

The American Airlines AAdvantage^® MileUp^® Card is the best — in fact, the only — no-annual-fee option from American Airlines. And thanks to the high value of AAdvantage miles, it may be the most rewarding of no-annual-fee airline cards. It gives you 2x miles on grocery and American Airlines purchases. Plus, since it’s the only credit card to offer bonus AAdvantage miles on groceries, it’s possibly even a good option for owners of other AAdvantage cards looking to stack up additional miles.

On the downside, as a Citi card, it doesn’t come with many additional travel benefits. You’ll get a 25% discount on in-flight purchases on American Airlines, but you won’t find many of the purchase and travel protection available on other cards. It also charges a foreign transaction fee, so you won’t want to use it while traveling abroad. And for the occasional American Airlines flyer, beware: AAdvantage miles expire if you don’t keep your account active every 24 months.

LendingTree’s rating: 2.9/5*

Average annual value over two years: $576 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Fair
Other features: Fair

*Based on LendingTree’s value methodology

Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
0% Intro APR for 15 months on balance transfers; after that, the variable APR will be 20.49% - 29.49%, based on your creditworthiness. Interest will be charged on purchases unless you pay the balance due, including balance transfers, by the due date each month.
Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
No Annual Fee
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
Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights

*The information related to the American Airlines AAdvantage^® MileUp^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best JetBlue card with no annual fee

JetBlue Card*

LendingTree's Review

2.9

LendingTree's Review

2.9

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Travel Rewards: 1-3 points

Earn 3x points on eligible JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases.

3X points on JetBlue purchases
50% discount on in-flight food and beverage purchases
0% foreign transaction fees

No anniversary bonus or free checked bag, like its annual-fee counterpart, the JetBlue Plus
Benefits are limited to JetBlue

The JetBlue Card is a solid no-annual-fee pick for JetBlue flyers. It comes with a decent rewards rate: Earn 3x points on eligible JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases. Plus, there are no foreign transaction fees, and you’ll get 50% off in-flight purchases while flying JetBlue.

And if you want to extend your points further and travel with others, consider JetBlue’s Points Pooling program. With Points Pooling, you can earn faster by combining your TrueBlue points with a group of friends or loved ones, then redeem them on travel together.

LendingTree’s rating: 2.9/5*

Average annual value over two years: $408 (versus $398 for the average no-annual-fee card)
Flexibility of rewards: Average
Other features: Average

*Based on LendingTree’s value methodology

Earn 10,000 bonus points after you spend $1,000 on purchases in the first 90 days
Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn and share points together with Family Pooling
50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
No foreign transaction fees
Chip technology & $0 Fraud Liability protection

*The information related to the JetBlue Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel rewards credit card with no annual fee / Hilton

Hilton Honors American Express Card*

LendingTree's Review

3.2

LendingTree's Review

3.2

Learn More

Travel Rewards: 3x-7x points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Valuable welcome offer
Earns generous points on everyday earning categories
Automatic Hilton Honors Silver status (enrollment required)
No foreign transaction fees

American Express might not be accepted everywhere, especially when traveling internationally
Rewards are limited to Hilton
Limited travel benefits

The Hilton Honors American Express Card is the best no-annual-fee hotel card due to its great rewards and better-than-usual hotel benefits. It’s welcome offer alone makes it one of the most rewarding no-annual-fee cards you can find. You’ll earn points at a high rate on a variety of lucrative categories, including Hilton hotels, U.S. restaurants, U.S. gas stations and U.S. supermarkets.

It also grants you elite status benefits, which is rare for a no-annual-fee card. Cardholders receive automatic Hilton Honors Silver status, which grants bonus points and your fifth night free on award stays (enrollment required). And if you spend at least $20,000 per year, your elite status is upgraded to Gold — this level of status provides additional benefits, like complimentary upgrades and a daily food and beverage credit (enrollment required).

LendingTree’s rating: 3.2/5*

Average annual value over two years: $612 (versus $398 for the average no-annual-fee card)
Flexibility of rewards: Average
Other features: Average

*Based on LendingTree’s value methodology

*To see rates & fees for Hilton Honors American Express Card, please click here.

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 1/8/2025.
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.

*The information related to the Hilton Honors American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Marriott card with no annual fee

Marriott Bonvoy Bold^® Credit Card*

LendingTree's Review

3.1

Marriott Bonvoy Bold<sup>®</sup> Credit Card

LendingTree's Review

3.1

Learn More

Travel Rewards: 1x-14x points

Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy® and 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, and cable and phone services. Plus, earn 1X point for every $1 you spend on all other purchases.

Automatic elite status
Good sign-up bonus
15 elite night credits, qualifying you for Marriott Bonvoy Silver Elite status
$0 foreign transaction fees
Travel protections

Low rewards rate
No annual reward night
Few Marriott perks
Subject to Chase’s 5/24 rule
Benefits are limited to Marriott Bonvoy

While there are far better no-annual-fee cards — for that matter, far better hotel cards — than the Marriott Bonvoy Bold^® Credit Card, it is the only no-annual-fee option you’ll find for Marriott. Still, it does offer a higher-than-average sign-up bonus for a no-annual-fee card. It also gives you 15 elite night credits, automatically qualifying you for Silver Elite status with Marriott — with that tier of status, you’ll get perks including 10% more points on stays and priority late check-out. Further, you can continue to be eligible for higher tiers of elite status the more you stay with Marriott.

It may be worth applying for if you’re set on avoiding an annual fee. However, you’ll probably better off applying for a general travel card, or doling out the fee for a higher-tier Marriott credit card to cash in on some genuinely valuable benefits.

LendingTree’s rating: 2.0/5*

Average annual value over two years: $329 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Fair
Other features: Average

*Based on LendingTree’s value methodology

Earn 30,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $1,000 on purchases in your first 3 months from account opening.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
2X points for every $1 spent on purchases at grocery stores.
2X points for every $1 spent on rideshare and select food delivery.
2X points for every $1 spent on select streaming, and internet, cable and phone services.
1X point for every $1 spent on all other purchases.
Receive 5 Elite Night Credits annually, plus complimentary Silver Elite Status. Restrictions apply.
No Foreign Transaction Fees.
Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.

*The information related to the Marriott Bonvoy Bold^® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best dining and travel card with no annual fee

Capital One SavorOne Cash Rewards Credit Card*

LendingTree's Review

4.6

Capital One SavorOne Cash Rewards Credit Card

LendingTree's Review

4.6

Learn More

Travel Rewards: 1%-8% cash back

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.

Generous cash back rate for dining and entertainment purchases
Easily attainable sign-up bonus
Solid intro APR periods
No foreign transaction fees
Cash back can be redeemed at any amount

Travel expenses (airfare, hotels, baggage fees) earn only 1% cash back
Doesn’t accrue miles to use with Capital One’s transfer partners or on Capital One Travel
Balance transfer fee applies

If you’re not keen on travel rewards and looking for a cash back card that you can use for international travel, you can’t do much better than the Capital One SavorOne Cash Rewards Credit Card. It has a couple key features that make it a great no-annual-fee card for travel: It offers a bonus on dining and doesn’t charge a foreign transaction fee.

It also may be your go-to card when you aren’t traveling, since it offers an equally impressive rate on entertainment and grocery store purchases.

LendingTree’s rating: 4.9/5*

Average annual value over two years: $552 (versus $398 for the average no-annual-fee travel card)
Flexibility of rewards: Excellent
Other features: Average

*Based on LendingTree’s value methodology

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information related to the Capital One SavorOne Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Honorable mention

Bilt World Elite Mastercard^®*

LendingTree's Review

3.9

LendingTree's Review

3.9

Learn More

Travel Rewards: 1X-3X points

Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points

Earn points on rent with no transaction fee
Transfer points 1:1 to travel partners, including American Airlines
Travel benefits and protections

No sign-up bonus
Must make five card transactions per statement to earn points

The Bilt World Elite Mastercard^® is a unique no-annual-fee credit card that allows you to earn points on paying rent without a transaction fee. You’ll earn Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points.

This card also comes with a number of travel benefits like trip cancellation and interruption reimbursement, trip delay protection, Lyft credits, auto rental collision damage waiver and no foreign transaction fee.

LendingTree’s rating: 3.1/5*

Average annual value over two years: $625 (versus $398 for the average no-annual-fee card)
Flexibility of rewards: Very good
Other features: Average

*Based on LendingTree’s value methodology

Select 'Apply Now' to learn more about the product features, terms and conditions
A credit card that lets you earn points on rent payments at any property without the transaction fee.
$0 Annual Fee
Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
Earn 3x points on dining
Earn 2x points on travel
Earn 1x points on other purchases
Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
Use the card 5 times each statement period to earn points
Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
Point redemptions include airlines, hotels, future rent payments, credit card statements, toward a down payment on a home, etc.

*The information related to the Bilt World Elite Mastercard^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Honorable mention

Wells Fargo Autograph^℠ Card*

LendingTree's Review

3.6

LendingTree's Review

3.6

Learn More

Travel Rewards: 1X – 3X points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

High sign-up bonus
Earn 3x points on a wide variety of purchases
Rewards are simple to redeem
No foreign transaction fees
Redeem points for cash back as well as travel

No travel transfer partners
Potentially high APR

The Wells Fargo Autograph^℠ Card offers good value for a $0-annual-fee card —and it’s all because of the rewards you can earn in popular spending categories. You’ll earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. There’s also an easy-to-earn sign-up bonus and an intro APR on purchases and you’ll get up to $600 of cellphone protection (subject to a $25 deductible) when you pay your cellphone bill with your card.

LendingTree’s rating: 4.0/5*

Average annual value over two years: $563 (versus $398 for the average no-annual-fee card)
Flexibility of rewards: Excellent
Other features: Average

*Based on LendingTree’s value methodology

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. 19.49%, 24.49%, or 29.49% 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.

*The information related to the Wells Fargo Autograph^℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Side-by-side comparison of our top picks for best no-annual-fee travel credit cards

Credit Cards	Our Ratings	Rewards Rate	Foreign Exchange Fee	Editor's rating
Capital One VentureOne Rewards Credit Card* Learn More	4.6 Winner	1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel	None	3.9/5	Learn More
Chase Freedom Unlimited^®* Learn More	4.6 Travel insurance	Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases	3% of each transaction in U.S. dollars	4.7/5	Learn More
United Gateway℠ Card* Learn More	3.8 Airline	2x miles on United® purchases, at gas stations, and on local transit and commuting. 1x mile on all other purchases.	$0	3.8/5	Learn More
Delta SkyMiles^® Blue American Express Card* Learn More	0.6 United airlines	Earn 2X Miles per dollar spent on Delta purchases and at restaurants worldwide, plus takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.	None	0.6/5	Learn More
American Airlines AAdvantage^® MileUp^® Card* Learn More	2.9 American airlines	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.	3%	2.9/5	Learn More
JetBlue Card* Learn More	2.9 JetBlue airlines	Earn 3x points on eligible JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases.	0%	2.9/5	Learn More
Hilton Honors American Express Card* Learn More	3.2 Hotel	Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.	None	3.3/5	Learn More
Marriott Bonvoy Bold^® Credit Card* Learn More	3.1 Marriott	Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy® and 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, and cable and phone services. Plus, earn 1X point for every $1 you spend on all other purchases.	$0	2.0/5	Learn More
Capital One SavorOne Cash Rewards Credit Card* Learn More	4.6 Dining and travel	3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases	None	4.9/5	Learn More
Bilt World Elite Mastercard^®* Learn More	3.9 Honorable mention	Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points	$0	3.1/5	Learn More
Wells Fargo Autograph^℠ Card* Learn More	3.6 Honorable mention	Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases	None	4.0/5	Learn More

*The information for the Capital One VentureOne Rewards Credit Card, Chase Freedom Unlimited^®, United Gateway℠ Card, Delta SkyMiles^® Blue American Express Card, American Airlines AAdvantage^® MileUp^® Card, JetBlue Card, Hilton Honors American Express Card, Marriott Bonvoy Bold^® Credit Card, Capital One SavorOne Cash Rewards Credit Card, Bilt World Elite Mastercard^® and Wells Fargo Autograph^℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

How to choose a no fee travel credit card

When picking a no-annual-fee travel credit card, here’s some key features to keep in mind:

Are you a frequent user of an airline or a devoted loyalist to a hotel chain? If you are, it makes sense to pick a co-branded card that rewards your loyalty. Even if you’re looking for a more flexible point currency, like Chase Ultimate Rewards®, you’ll want to pay attention to who the transfer partners are in order to maximize value.

While a sign-up bonus is a one-time value to the card, some can be worth over $1,000. Taking advantage of a lucrative sign-up bonus could be a way to rack up points for that dream trip you’re planning.

The card’s earning rate is one of the most important features. Long after you’ve earned your sign-up bonus, it’s the card’s earning rate that is going to help you accrue more points.

To decide what earning rate matters most to you, take a look at your spending over the past few months. Are you eating out a lot? Then a card that rewards restaurant spending might be a good fit for you. Or maybe you’re driving a lot more? Consider a card that rewards gas purchases.

In the world of travel credit cards, not all points currencies are created equal. Transferable point currencies — like Chase Ultimate Rewards or American Express Membership Rewards — are usually worth more than hotel points or airline miles, but often require an annual fee card to earn. Check out how LendingTree calculates what points are worth.

If you are planning on traveling internationally, a credit card that offers no foreign transaction fees will help save you from being charged an additional percentage on each purchase. With multiple purchases, this fee can add up quickly.

Some cards offer travel insurance, rental car insurance or elite status. These extra perks can make your stay more comfortable, allow you to get a discount on an airline food purchase, score a room upgrade or even get a free night’s stay.

Who should get a no fee travel credit card?

First-time credit cardholders

If you’re a student or just starting out, a no-annual-fee credit card is a great card to consider when you don’t have much credit history. Without having to pay an annual fee, you have access to a credit line that helps you to build your credit — as long as you pay your bill in full each month. And because no-fee credit cards offer fewer perks than premium travel cards, approval odds may be more lenient.
Those rebuilding credit

If you have poor credit, a no-annual-fee credit card could be an accessible way to help rebuild your credit. Since APR is often based on creditworthiness, you’ll likely have a higher APR than some borrowers — but by consistently paying on time each month, your credit score will improve in the long term.
Those wanting to consolidate balances

Several of the credit cards on this list offer an introductory 0% APR for a predetermined set of billing cycles. If you’re someone who’s carrying a credit card balance with a high APR, transferring to a card offering a low- or zero-balance introductory APR can help save you thousands in additional interest and help you to pay off debt faster.
Those diversifying points

Even if you’re a veteran in the points and miles game, no-annual-fee cards can play an important role in your card portfolio. Some cards, like the Chase Freedom Unlimited^® pair well with the premium Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^® cards, allowing you to earn more bonus points in additional categories. Others, like the Marriott Bonvoy Bold^® Credit Card, would help you earn Marriott Bonvoy points, thus allowing you to transfer fewer of your valuable American Express Membership Rewards or Chase Ultimate Rewards points to Marriott.

Should I upgrade to a travel card with an annual fee instead?

When it comes to travel cards with annual fees, you’ll find that the benefits end up outweighing the ongoing cost — if used correctly. Some travel credit cards offer perks like free Global Entry or TSA PreCheck or waived checked baggage fees. Whether you travel with one airline or hotel brand — or just travel often — you’ll enjoy significantly better perks at a $95 annual fee mark.

For our recommendations, check out our picks for the top travel rewards cards.

Frequently asked questions

One of our favorite cash back, $0-annual-fee credit cards that doubles as a travel credit card is the Chase Freedom Unlimited^®. You’ll earn enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases If you have a Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^®, your cash back can be converted into Chase Ultimate Rewards points.

It’s difficult to find a travel credit card that offers no balance transfer fee. If you’re working to manage credit card debt, it’s generally not advisable to also try to earn credit card rewards.

Some no-annual-fee travel credit cards that have no foreign transaction fees include: Bank of America^® Travel Rewards credit card credit card, Delta SkyMiles^® Blue American Express Card, Hilton Honors American Express Card, Marriott Bonvoy Bold^® Credit Card, United Gateway℠ Card, JetBlue Card, Capital One SavorOne Cash Rewards Credit Card and Capital One VentureOne Rewards Credit Card.

*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

*To see rates & fees for Capital One VentureOne Rewards Credit Card, please click here.

*To see rates & fees for Hilton Honors American Express Card, please click here.

*To see rates & fees for Delta SkyMiles^® Blue American Express Card, please click here.

In a world where the eye-popping sign-up bonuses are usually reserved for premium travel credit cards, the Hilton Honors American Express Card stands out for offering one of the highest welcome offers for a $0-annual-fee card. With this card, you can 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 1/8/2025. Another attractive option is the Discover it^® Miles card. While it’s not a traditional welcome bonus, the Discover it^® Miles will offer an unlimited match on all the miles you earn within the first year of opening the card. That means if you earned 50,000 miles through your own spending, that becomes 100,000 miles.

*To see rates & fees for Hilton Honors American Express Card, please click here.

It depends on the card issuer. Often the lowest APR is reserved for borrowers with good to excellent credit scores, but that doesn’t mean you’re left out if you have poor credit. Check out our picks of best credit cards for bad credit.

*To see rates & fees for Hilton Honors American Express Card, please click here.

*To see rates & fees for Delta SkyMiles^® Blue American Express Card, please click here.

Methodology: How we chose the best no-annual-fee travel credit cards

To bring you the list of best travel credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor statistics.

We rank cards based on the following criteria:

Average value over two years (80% of rating): We calculate the value of rewards and perks for the average cardholder using Bureau of Labor statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
Other features (5% of rating): We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.

Note, that our ratings are a starting point for comparing and choosing the best travel credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Capital One VentureOne Rewards Credit Card, Chase Freedom Unlimited^®, United Gateway℠ Card, Delta SkyMiles^® Blue American Express Card, American Airlines AAdvantage^® MileUp^® Card, JetBlue Card, Hilton Honors American Express Card, Marriott Bonvoy Bold^® Credit Card, Capital One SavorOne Cash Rewards Credit Card, Bilt World Elite Mastercard^®, Wells Fargo Autograph^℠ Card, Chase Sapphire Preferred^® Card, Delta SkyMiles^® Gold American Express Card, Chase Sapphire Reserve^®, Bank of America^® Travel Rewards credit card and Discover it^® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Kurt Adams

Expertise: Personal finance, small business, credit cards, travel rewards, mortgages
Education: American University, Princeton University

Kurt Adams is a Senior Editor at LendingTree, where he manages our network of freelance contributors. He also oversees small business content and frequently edits mortgage and credit cards content.

Before joining LendingTree, Kurt spent a past life as an academic, studying U.S. history. He now brings that near-decade of teaching, writing and editing to help people better understand personal finance.

Kurt earned a BA from American University and a PhD from Princeton University.

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11 Best No-Annual-Fee Travel Credit Cards in 2024

Our pick for best no-annual-fee travel credit card

Capital One VentureOne Rewards Credit Card

Our pick for best no-annual-fee travel credit card

Capital One VentureOne Rewards Credit Card

Best no-annual-fee travel credit cards

Winner: Best travel card with no annual fee

Capital One VentureOne Rewards Credit Card*

Best credit card with no annual fee for travel insurance

Chase Freedom Unlimited^®*

Best airline credit card with no annual fee / United

United Gateway℠ Card*

Best Delta credit card with no annual fee

Delta SkyMiles^® Blue American Express Card*

Best American Airlines card with no annual fee

American Airlines AAdvantage^® MileUp^® Card*

Best JetBlue card with no annual fee

JetBlue Card*

Best hotel rewards credit card with no annual fee / Hilton

Hilton Honors American Express Card*

Best Marriott card with no annual fee

Marriott Bonvoy Bold^® Credit Card*

Best dining and travel card with no annual fee

Capital One SavorOne Cash Rewards Credit Card*

Honorable mention

Bilt World Elite Mastercard^®*

Honorable mention

Wells Fargo Autograph^℠ Card*

Side-by-side comparison of our top picks for best no-annual-fee travel credit cards

How to choose a no fee travel credit card

Who should get a no fee travel credit card?

Should I upgrade to a travel card with an annual fee instead?

Frequently asked questions

Methodology: How we chose the best no-annual-fee travel credit cards

Kurt Adams

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Advertising Disclosure

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11 Best No-Annual-Fee Travel Credit Cards in 2024

Our pick for best no-annual-fee travel credit card

Capital One VentureOne Rewards Credit Card

Our pick for best no-annual-fee travel credit card

Capital One VentureOne Rewards Credit Card

Best no-annual-fee travel credit cards

Winner: Best travel card with no annual fee

Capital One VentureOne Rewards Credit Card*

Best credit card with no annual fee for travel insurance

Chase Freedom Unlimited®*

Best airline credit card with no annual fee / United

United Gateway℠ Card*

Best Delta credit card with no annual fee

Delta SkyMiles® Blue American Express Card*

Best American Airlines card with no annual fee

American Airlines AAdvantage® MileUp® Card*

Best JetBlue card with no annual fee

JetBlue Card*

Best hotel rewards credit card with no annual fee / Hilton

Hilton Honors American Express Card*

Best Marriott card with no annual fee

Marriott Bonvoy Bold® Credit Card*

Best dining and travel card with no annual fee

Capital One SavorOne Cash Rewards Credit Card*

Honorable mention

Bilt World Elite Mastercard®*

Honorable mention

Wells Fargo Autograph℠ Card*

Side-by-side comparison of our top picks for best no-annual-fee travel credit cards

How to choose a no fee travel credit card

Airline or hotel loyalty program

Sign-up bonus

Earning rate

Point value

No foreign transaction fee

Other card benefits

Who should get a no fee travel credit card?

Should I upgrade to a travel card with an annual fee instead?

Frequently asked questions

What is the best credit card with no annual fee and cash back?

What is a travel credit card with no balance transfer fee?

What no-fee travel credit cards have no foreign transaction fees?

Which no-annual-fee travel cards offer the best welcome bonus?

What credit score do I need to get a no-annual-fee travel card?

Methodology: How we chose the best no-annual-fee travel credit cards

Kurt Adams

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Chase Freedom Unlimited^®*

Delta SkyMiles^® Blue American Express Card*

American Airlines AAdvantage^® MileUp^® Card*

Marriott Bonvoy Bold^® Credit Card*

Bilt World Elite Mastercard^®*

Wells Fargo Autograph^℠ Card*