Offer ends 04/05/2023. This makes the card a solid option if you want to charge a big purchase and pay down your balance over time without having to worry about interest for the duration of the 0% introductory APR period. Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. Terms apply. If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you. Other Benefits and Drawbacks: Youll have to join Alliant Credit Union to be eligible to apply for this card and in order to achieve the highest rate of cash back youll have to have an average daily balance of at least $1,000 in your Alliant High-Rate Checking account for each month of the previous quarter. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus. There's no minimum spending or maximum rewards. If so, you might want to start with a no annual fee travel credit card. Once a credit card is activated, this type of flat fee isnt impacted by how the card is used or by any other factors within the cardholders controlit simply recurs for as long as the account stays open. Commissions do not affect our editors' opinions or evaluations. Amazon Prime memberships start at $119 per year, and Business Prime memberships start at $69 per year. 1 mile perRead More. To view rates and fees for Hilton Honors American Express Card please visit this page. Carefully do your research before applying for any card and recognize that just because a card doesnt charge an annual fee doesnt mean it wont stick you with interest and other fees if you dont manage the account responsibly. Earn 10,000 Membership Rewards Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership. Earn unlimited 1.5% cash back on purchases. No-annual-fee travel credit cards may require good to excellent credit for an application to be successful. This compensation comes from two main sources. Our opinions are our own. But maybe youre not a frequent traveler, or maybe youre not sure you need the bells and whistles and annual fee of a premium travel rewards card. She is based in Brooklyn, New York. To view rates and fees of the Blue Cash Everyday Card from American Express, see this page. The Blue Business Plus Credit Card from American Express, points rather than cash back. She is based in Baltimore, Maryland. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. INTRO OFFER: Unlimited Cashback Match only from Discover. The card also offers a $15 annual streaming bonus for services like Netflix, Apple TV+, Spotify and others. Just because a travel rewards card has no annual fee doesnt mean it wont have benefits that can help make your journeys more affordable or enjoyable. With its $695 annual fee, the decision to apply for the American Express Platinum Card can be an important one that may revolutionize the way you travel. If youre looking for a cash-back credit card, but you want the option to redeem points for travel, the Chase Freedom Flex* may be exactly what you need. There is also a balance transfer fee of 3% (min $5). A balance transfer fee of 3% applies ($5 minimum). Funto Omojola started writing for NerdWallet in 2020. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. Activate by 12/31/24. If you dont spend much in bonus categories, it may be difficult to earn enough rewards for a desired redemption. You will receive the $200 back in the form of a statement credit. How do I get my American Express Platinum annual fee waived? The catch, of course, is that this card is reserved for people with truly excellent credit, and thus isn't appropriate for first-timers or those with any serious fiscal blemishes. The American Express Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). The American Express annual fee is $0 to $695, depending on the card. Terms apply (see rates and fees). Apart from this tradeoff, no annual fee credit cards function much the same as cards with annual fees. Plus, earn unlimited 1% cash back on all other purchases automatically. We encourage everyone to share their knowledge while respecting our content guidelines. Balance transfers must be requested within 60 days of account opening and a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies, making it useful if you have a big purchase coming up. Jump to Main content To view rates and fees of the Blue Cash Preferred Card from American Express, see this page. The better your score and the better-looking your credit history, the better your chances for approval will be. All information about the Wells Fargo Propel American Express card has been collected independently by CreditCards.com. This compensation comes from two main sources. Amazon Business Prime American Express Card: This co-branded business card is the higher-end version of the Amazon Business American Express Card. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Introductory Bonus: 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. Many excellent travel cards offer lucrative rewards and benefits without charging an annual fee. No bonus spending categories to boost rewards. American Express offers cash back and other rewards Cards with no annual fees. Cardholders have the option of earning 3% back on U.S purchases at Amazon.com, Amazon Business, Amazon Web Services and Whole Foods Market (on the first $120,000 spent each calendar year, and then 1% after that), or a 60-day term of no interest. A score in the good range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards you can expect to need a score of 740 or higher to qualify. PROS & CONS CARD DETAILS Learn more Terms, rates and fees apply Your web browser (Internet Explorer) is out of date and no longer supported. Travel Insurance; . Yury is also an avid adventurer and has been location independent for over 5 years traveling to more than 30 countries, experiencing new cultures and meeting people from all walks of life. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. When she's not writing or editing, Erin is planning her next adventure for her family of four using points and miles. 40,000 bonus miles when you spend $1,000 within 3 months of account opening. For a card offering cash back on everyday purchases without an annual fee, consider the Blue Cash Everyday Card from American Express (Terms apply. What is the American Express Green Card annual fee? Get a 0% intro APR for 15 months on purchases. American Express established a Travel Division in 1915, that tied together all earlier efforts at making travel easier, . Redemption options are valuable for Amazon loyalists: Rewards are earned in the form of Amazon rewards points that can be redeemed for a statement credit or for purchases at Amazon.com and through Amazon Business. Terms apply (see rates and fees). Editorial Note: We earn a commission from partner links on Forbes Advisor. While the card lacks some of the benefits that other cards in the hotel brands family of cards offer, the, Hilton-branded credit card from American Express, American Express Blue Business Cash Card. But if you spend a lot, youll probably find the more expensive cards to be more lucrative in the long run. To view rates and fees of the Hilton Honors American Express Card, see this page. Enjoy complimentary Hilton Honors Silver status with your Card. A variable APR of 19.49%28.24% applies thereafter. Read more. To view rates and fees for Hilton Honors American Express Card please visit this page. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. Other Benefits and Drawbacks: The JetBlue Card offers 50% in-flight savings on cocktails and food purchases when you pay with the card. There are of course no-annual-fee cards that earn higher rewards rates, but this card can be a decent option if you value a simple way to earn base rewards without having to worry about additional costs especially when paired with a tiered or rotating bonus rewards card. Thats a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. To view rates and fees of the Delta SkyMiles Blue American Express Card, see this page. 4X points on dining, takeout, and restaurant delivery. All information about the American Express Cash Magnet Card has beencollected independently by NerdWallet. 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. If you have another open American Express card in good standing, though, Amex may allow you to redeem Membership Rewards points from your cancelled account for up to 30 days. The Amex EveryDay Credit Card is no longer available through NerdWallet. Though no annual fee does not mean no fees at all, paying an annual fee is not worthwhile unless a cardholder can extract at least as much value from the card beyond what the best no-annual-fee card can offer. For no annual fee, the Blue Cash Everyday Card from American Express offers excellent value in the right hands. Hilton Honors American Express Card overview. A card rewarding your unique spending habits and goals will outperform one seemingly best for the average consumer, so make sure to evaluate each card you consider for the specific uses you have for the card. Cardholders get superior rewards rates and benefits: 5% back on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market (on the first $120,000 spent each calendar year, and then 1% after that), or a 90-day term of no interest; 2% back at U.S. restaurants, U.S. gas stations and eligible wireless phone services purchased directly from U.S. service providers; 1% back on all other spending. Plus, because you don't have to pay an annual fee, it can be easier to justify the value in holding onto such cards for longer which can positively impact your length of credit history and, ultimately, your credit scores. If youre a Preferred Rewards member, you can earn 25%-75% more points on every purchase. All Rights Reserved. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Rates Credit Cards. Unlike its more basic sibling, this card requires an Amazon Prime or Business Prime membership. The issuer did not provide the content, nor is it responsible for its accuracy. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies. All information about the Blue from American Express Card has been collected independently by NerdWallet. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Rates Credit Cards. Apply for a Personal card today. If you are looking for a card with no annual fee and category bonuses, consider the Chase Freedom Flex*. Yes, you could spend $95 and get a very good travel card or $600 for a great one. See rates and fees) offers the ability to earn Hilton Honors points for each dollar you spend and automatically qualify for elite perks. We'd love to hear from you, please enter your comments. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. . Offer ends 3/29/2023. Compared with other no-annual-fee, 1.5% cash-back cards, this one stands out for its valuable features that not all cards in its class offer. If groceries and gas are two important spending categories for you, the Blue Cash Everyday Card from American Express can help you rack up rewards in those categories without having to cough up a hefty fee. Great for those who want a no-annual-fee option to take advantage of Amex's robust card benefits and 0% intro APR offer while earning unlimited 1.5% cashback on all purchases. A couple of cards consistently offering solid welcome bonuses are the Chase Freedom Flex* and the United Gateway Card. Do not sell or share my personal information. Make a Payment. For example, you can earn $200 statement credit after spending $2,000 in the first 6 months. Designed for consumers who are just beginning to explore the world of travel, the . Forbes Advisor compared dozens of travel credit cards from all major issuers to find the best options with no annual fee. 24/7. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Welcome Bonus: Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days. 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. You could turn $150 cash back into $300. No Foreign Transaction Fees. Introductory bonus: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. At least in theory, annual fees are levied by issuers to compensate for other aspects of a card considered especially favorable to the cardholder, such as rewards. United isnt the only airline with a no-annual-fee card, but its the best no-annual-fee airline offering. 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. If you've never had an annual fee credit card, it's a good idea to learn how annual fees can often offer bigger benefits. 2023 Forbes Media LLC. 1X point on all other eligible purchases. Explore 7 expert tips for earning rewards and even free travel with your travel points credit card. If youre between 18 and 21 years old, you must show proof of independent income or have a co-signer. Membership Rewards points can also be transferred to airline and hotel partners. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; 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, No categories to track or remember and cash rewards dont expire as long as your account remains open, Enjoy a premium collection of benefits at a selection of the worlds most intriguing and prestigious hotel properties with Visa Signature Concierge. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, Welcome Bonus: $200 statement credit after spending $2,000 on purchases within the first 6 months. The Platinum Card from American Express (terms apply, see rates & fees) is a premium card with premium perks and a premium $695 annual fee.When you look at the fee, you might think, 'Wow, no . This card is ideal for those who want to start earning Membership Rewards without paying an annual fee. If groceries and gas are two important spending categories for you, the. But youve got the knowledgeable WalletHub community on your side. The Blue Business Plus Card from American Express. Low-Interest and No-Annual-Fee Credit Cards. Rewards: Earn 7 Hilton Honors points for each dollar of eligible purchases charged directly with hotels or resorts within the Hilton portfolio, 5 points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations and 3 points per dollar on all other eligible purchases. The Wells Fargo Propel American Express offers cash back on all other purchases automatically 6.... Towards merchandise, gift cards, cash back into $ 300 $ 150 back... Card requires an amazon Prime memberships start at $ 69 per year purchases... This Card is ideal for those who want to start with a no annual fee Netflix, TV+. 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