best chase credit card with no annual fee

Why this is one of the best no-annual-fee cards: Chase Freedom Flex earns varied rewards and charges no annual fee. You'll get a $200 cash bonus. The Wells Fargo Active Cash℠ Card is a great flat-rate cash back card that doesn't have an annual fee. Using the card, you can earn an unlimited. The Chase Freedom Unlimited® is the best no-annual-fee card thanks to its high unlimited earnings rate and flexibility to use your rewards.

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*3* Chase Sapphire Cards?! (Sapphire NO ANNUAL FEE Credit Card)
Apple Card and issuer Goldman Sachs ranked No. 1 in customer satisfaction among the Midsize Credit Card Issuers segment by J.D. Power.Learn more

The simplicity of Apple.
In a credit card.

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.

Created by Apple.
Powered by iPhone.

Built for iPhone

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. Your transactions, payments, and account details are all in one place, where only you can see them. You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

No Fees

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.

The first credit card that actually encourages you to pay less interest.

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

Unlimited
Daily Cash back.

Real cash you can use right away.

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.

Get 3% Daily Cash back when you shop at Apple.

3% Daily Cash at Apple

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.

Get 2%
Daily Cash
back

when you use your iPhone
or Apple Watch to pay
with Apple Card.

2% Daily Cash

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.

Shop with select merchants and get even more Daily Cash.

3% Daily Cash

Apple Card gives you unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.

  • Duane Reade
  • Exxon
  • Mobil
  • Nike
  • Panera Bread
  • T-Mobile
  • Uber
  • Uber Eats
  • Walgreens

Apple Card Family

Healthy finances.
Family style.

Apple Card Family

Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. It allows two partners to merge credit lines to form a single co-owned account, manage that account together, and build credit as equals. Participants 18 and older can choose to start building their own credit history, and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases.

Learn more about Apple Card Family

Goodbye, plastic.
Hello, titanium.

Titanium Card

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Your card.

Your data.

Your business.

Privacy and Security

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.

Pay for your
new Apple products
over time,
interest‑free

when you choose to
check out with Apple Card Monthly Installments.

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your First national bank of nebraska headquarters statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

Learn more about Apple Card Monthly Installments

Trusted partners for a different kind of credit card.

Partnerships

To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Get started
with Apple Card.

Apply in minutes to see if you are approved with no impact to your credit score.

Apply now

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Learn more

Apple Pay

The safer way to make
secure,

contactless purchases
in stores and online.

Learn more

Apple Cash

Use it to send and receive

money in Messages best chase credit card with no annual fee wherever

Apple Pay is accepted.

Learn more

Источник: https://www.apple.com/apple-card/

Final Verdict

Many people prefer credit cards with no annual fee because they want to avoid paying fees to a bank. There are numerous options available that earn cash back, miles, and points or offer attractive benefits even without paying a fee. Our choice for the best no annual fee credit card is the Capital One Quicksilver Cash Rewards Credit Card. It earns an unlimited 1.5% cash back on every purchase without having to remember category bonuses or register for promotions. Plus, when you open your account, you can earn a $200 welcome bonus chase credit card pre qualify spending just $500 within three months of account opening and take advantage of a 0% APR promotion on purchases for 15 months.

Compare the Best No Annual Fee Credit Cards

Credit CardIntro OfferRewardsRegular APR
Capital One Quicksilver Cash Rewards Credit Card
Best Overall, Best for Cash Back
Earn $200 cash bonus once you spend $500 on purchases within 3 months from account opening.Unlimited 1.5% cash back14.99%-24.99%
Capital One SavorOne Cash Rewards Credit Card
Best for Dining 
Earn $200 cash bonus once you spend $500 on purchases within the first 3 months from account openingEarn 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.14.99%-24.99% 
Chase Freedom Unlimited
Best for First-Year Cash Back 
$200 after $500 in 3 months 0% APR for 15 months on purchases 5% cash back on grocery purchases up to $12,000 for the first year5% travel through Chase 3% dining & drugstores 1.5% all else 14.99% to 23.74% 
Bank of America Travel Rewards Credit Card
Best for Travel 
25,000 points after $1,000 in 90 days 0% APR for 12 billing cycles on purchasesUnlimited 1.5x points13.99% to 23.99% 
Bank of America Travel Rewards for Students
Best for Students 
25,000 points after $1,000 in 90 days 0% APR for 12 billing cycles on purchasesUnlimited 1.5x points 13.99% to 23.99% 
Citi Double Cash Card
Best for Highest Ongoing Earnings 
0% APR for 18 months on balance transfersUnlimited 2% cash back 13.99% to 23.99% 
United Gateway Card
Best for Airlines 
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Offer ends January 26, 2022 3x miles groceries for a limited time Unlimited 2x miles on United, gas, transit 1x miles all else 16.49% to 23.49%
Hilton Honors American Express Card
Best for Hotels 
Earn 80,000 Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Points after you spend a total of $5,000 in purchases on the Card in the first 6 monthsUnlimited 7x at Hilton Unlimited 5x at U.S. restaurants, supermarkets, gas stations 3x all else15.74% to 24.74%

Editorial Picks for Best No Annual Fee Credit Cards

Capital One Quicksilver Cash Rewards Credit Card

Best Overall, Best for Cash Back

Earn an unlimited 1.5% cash back on every purchase with no caps. Offers a 0% APR promotion on purchases for 15 months.

Read the full Capital One Quicksilver Cash Rewards Credit Card Review.

Capital One SavorOne Cash Rewards Credit Card

Best for Dining

Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.

Read the full Capital One SavorOne Cash Rewards Credit Card.

Chase Freedom Unlimited

Best for First-Year Cash Back

Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstore purchases, and 1.5% on everything else. Purchases enjoy a 0% APR for the first 15 months after the account is opened.

Read the full Chase Freedom Unlimited Review.

Bank of America Travel Rewards Credit Card

Best for Travel

All purchases receive 1.5x points for every dollar spent with no caps. Receive up to 75% more points based on your banking and investment balances.

Read the full Bank of America Travel Rewards Credit Card Review.

Bank of America Travel Rewards for Students

Best for Students

Students can build their credit history with a card that matches the best features of the standard version of this card. Use the 0% APR to receive interest-free financing on purchases for 12 months.

Read the full Bank of America Travel Rewards for Students Review.

Citi Double Cash Card

Best for Highest Ongoing Earnings

Receive double cash back on your purchases—1% when you make a purchase plus 1% when you make a payment. Convert rewards into ThankYou Points to take advantage of Citi's airline and hotel transfer partners.

Read the full Citi Double Cash Card Review.

United Gateway Card

Best for Airlines

Good card to earn airline miles on purchases when you don't need the checked bag and priority boarding benefits of the United Explorer Card. The primary cardholder has expanded award availability when using miles to book flights on United with no restrictions or blackout dates.

Read the full United Gateway Card Review.

Hilton Honors American Express Card

Best for Hotels

Cardholders receive automatic Hilton Honors Silver status and the ability to upgrade to Gold status best chase credit card with no annual fee on spending. Earns 7x points per dollar at Hilton, 5x points at U.S. restaurants and grocery stores, and 3x points everywhere else.

Read the full Hilton Honors American Express Card Review.

Types of No Annual Fee Cards

There are many types of no annual fee credit cards available for consumers and small businesses to choose from, depending on what is most important to them. You can find no annual fee cards in the following categories:

  • Cash back credit cards
  • Rewards credit cards
  • Student credit cards
  • Small business credit cards
  • Secured credit cards
  • Airline, hotel, and co-branded credit cards
  • 0% APR promotion cards

Credit cards with an annual fee typically offer higher rewards on spending and additional benefits than those with no annual fee. We suggest that you consider how much you'll realistically spend 1st premier asset solutions the card and how often you'll use the benefits to determine whether or not paying the annual fee is worth it for you.

Pros and Cons of No Annual Fee Credit Cards

Pros
  • Inexpensive to carry (assuming no other fees or interest are incurred)

  • Often provide cash back, points, and miles-based rewards

  • May have introductory APR offers on purchases and balance transfers

  • No need to generate enough rewards to justify an annual fee

Cons
  • Smaller introductory bonuses, if any, compared with more lucrative rewards cards that charge annual fees

  • Fewer features and insurance coverages vs. premium cards

  • Can easily become inactive if not used

What Is an Annual Fee?

An annual fee is a fee imposed by some credit card issuers on their cardholders each year. This fee, sometimes called an annual membership fee, is similar to the membership fee you might pay for an Amazon Prime account or a Costco wholesale club membership and is designed to offset some or all of the costs that the card issuer incurs in providing the card to consumers. In decades past, banks often charged modest annual fees as a matter of course on many of their products, but competitive pressures ushered in no annual fee offers as a marketing incentive. 

No annual fee credit card offers then became the standard due to competitive pressures, except in cases of unusually lucrative rewards programs, large upfront bonuses, or for cards aimed at people with impaired credit (in which case the fee helps offset the increased losses typically associated with subprime lending).  

What Is an Average Annual Fee for a Credit Card?

For cards that charge them, annual fees can range from as low as $25 up to an eye-popping $550 for ultra premium cards like The Platinum Card from American Express. Many popular general travel cards and most co-branded airline and hotel rewards credit cards charge annual fees, but these tend to be under $100 per year and are sometimes waived for the first year. However, there are still many travel and even co-branded no annual fee options available, allowing you to avoid this expense entirely, though with diminished rewards.

What Does No Annual Fee Mean?

No annual fee means that the bank does not charge a fee each year for being a cardholder. While some credit cards charge an annual fee to receive additional rewards on purchases, benefits, or exclusive perks, many no annual fee credit cards offer valuable rewards and features that are very competitive.

How Do You Choose a No Annual Fee Credit Card?

Choosing a credit card with no annual fee starts with deciding whether you are truly averse to an annual fee for any of the reasons mentioned above. Then it becomes a question of which type of no annual fee card is right for you. 

For example, a no annual fee card that offers a 0% introductory APR on purchases and balance transfers for a year or more can be a good choice for anyone with existing high-interest credit card debt.

For people who want rewards (either from a single card or in conjunction with another card), it’s useful to analyze your spending patterns. There are numerous no annual fee cards that provide bonus earnings for everyday spending categories like groceries, gasoline, drugstores, or monthly streaming services. Or, if you simply find the whole rewards earning and tracking game a bore, then a card that pays a flat percentage in cash back, points, or miles could be a better bet. 

If you are willing to play the game, however, there are no annual fee credit cards that offer compelling bonus cash back percentages (up to a quarterly or annual cap on eligible spending in fixed or rotating purchase categories). They can be lucrative, but they may require jumping through some hoops in terms of staying informed and registering on the issuer’s website.  

Another consideration is the process for redeeming rewards. Few, if any, cards provide automatic redemption, but cash back cards offer the simplest and most straightforward options, such as a statement credit, check, bank deposit, or gift card. The rewards on points and miles cards must usually be redeemed online for travel, merchandise, or gift cards through a special rewards portal and can be less transparent in terms of redemption value. 

To decide which no annual fee credit card best suits your needs, we invite you to read our extensive and objective product reviews and consider how each card stacks up relative to other cards in their respective category in terms of fees, interest rates, rewards, customer service/security, and benefits.  

Who Is a No Annual Fee Card Right For?

No annual fee credit cards are best suited for those who are averse to paying fees for one of several reasons—they can’t afford them, can’t justify them due to low spending/low rewards earnings, or simply because they don’t feel that they should have to pay to use a credit card, even one with rewards.

For people who can’t afford the fee because they are on a limited budget or are paying down outstanding balances, avoiding an annual fee can certainly make sense. People who want to earn cash back, points, or miles but aren’t sure they’ll earn enough throughout the year to justify the fee may also opt for no annual fee cards. These types of cards, when they offer 1.5% cash back on all purchases or extra points/miles for certain categories of spending, can be an excellent, low-maintenance back-up card to use in combination with another rewards card that carries an annual fee but offers more generous rewards in other categories.   

While the majority of no annual fee credit cards is reserved for people with good to excellent credit scores, there are some options for those with less-than-stellar credit or no credit history at all. These include certain secured credit cards (which require a security deposit) and several non-secured cards from a few national issuers that specialize in non-prime consumers.  

What Credit Score Is Needed for a No Annual Fee Credit Card?

The credit score required to be approved for a no annual fee credit card varies based on which bank is issuing the card and which card you are applying for. Many banks offer multiple no annual fee credit cards to meet the needs of a variety of customer profiles.

Each of the credit cards on this list recommends a good credit score of at least 670 when applying. If your credit score is considered bad or fair, there are competitive options for credit cards that build credit, and some do not have annual fees. As your credit score improves, you can always apply for one of these no annual fee credit cards.

Methodology

To select our choices for the best no annual fee credit cards, we gathered numerous data points on every no-fee card available. These data points included annual fees, interest rates, rewards, welcome bonuses, benefits, 0% APR promotions, and more. Each data point is assigned a score that allows us to compare each card for a variety of customer types. The cards with the highest scores are chosen as the winners for each category. We continuously monitor data from card issuers to update our ratings and rankings to ensure that we provide readers with our best recommendations.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of financial products and services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Источник: https://www.investopedia.com/best-no-annual-fee-credit-cards-4845687

Citi Custom Cash℠ Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Citi's secure site

Rewards rate

5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.

bank of tennessee login At A Glance

Intro bonus
$200 Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee
$0

Regular APR
13.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Источник: https://www.creditcards.com/no-annual-fee/

Earn 5% cash back on gas

anywhere Mastercard is accepted

(on first $6,000 per year, then 1%)**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on dining and takeout**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 1% cash back on other purchases**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Acceptance at all Sam's Club

and Walmart® locations nationwide

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Doubles as your membership card

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Источник: https://www.samsclub.com/content/credit
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

There’s no better way to maximize rewards earnings while minimizing costs than by using a credit card with no annual fee. Here are the best no-annual-fee credit cards from our partners.

Terms & restrictions apply.See rates & fees

Best for booking cheap hotels across multiple brands

  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.

Get 2 Reward Nights Worth $250 Total

Get 2 Reward Nights Worth $250 Total

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Hotels.com Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card. You’ll collect free reward nights easily and Silver membership for the first year of card ownership, which gets you perks such as free breakfast and airport transfers.

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a free reward night (not including taxes and fees).
  • Silver membership benefits for the first year that get you elite-like perks across many Hotels.com properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. Best chase credit card with no annual fee 10 stamps, you get a free reward night (not including taxes and fees).
  • Silver membership benefits for the first year that get you elite-like perks across many Hotels.com properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees

Best for beginner cash back

1.5% cash-back

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Limited card perks and benefits.
  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Pros

  • Unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Limited card perks and benefits.
  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Best for flexible cash rewards

1.5 - 5% cash-back

  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • 1.5% Unlimited 1.5% cash back on all other purchases.

$200

$200

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

Best for everyday spending

2% cash-back

  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

When it comes to everyday spending, it’s hard to beat the Citi Double Cash Card. You’ll earn up to 2% back on every purchase, and you can now redeem as cash back or by converting rewards to ThankYou points with an eligible card.

Pros

  • Earning 2% back on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
  • Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
  • It’s great for those looking to consolidate debt since it offers 18 months of 0% APR on balance transfers made within the first four months of account opening (variable APR of 13.99% - 23.99% applies after).

Cons

  • There is no welcome bonus available on this card.
  • Those looking to make a balance transfer will have to pay a 3% balance transfer fee.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • Earning 2% back on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
  • Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
  • It’s great for those looking to consolidate debt since it offers 18 months of 0% APR on balance transfers made within the first four months of account opening (variable APR of 13.99% - 23.99% applies after).

Cons

  • There is no welcome bonus available on this card.
  • Those looking to make a balance transfer will have to pay a 3% balance transfer fee.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on best chase credit card with no annual fee.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

1 - 2X points

  • 2X Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
  • 1X Earn 1X ThankYou® Points on All Other Purchases.

20,000 points

20,000 points

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

With the Citi Rewards+ Card, those small everyday purchases will really start to add up. All purchases round to the nearest 10 points — so that $3 bagel really gets you 10 points. Plus, you’ll earn 2 points per dollar on groceries and gas stations on the first $6,000 spent per year, then 1 point per dollar on everything else. As the points add up, you’ll be able to redeem them for gift cards, travel and more. For the first 100,000 points you redeem each year, Citi will return 10% of the points back to your account. This no-annual-fee card is truly one of a kind and can help you ease your way into Citi’s diverse portfolio of travel rewards cards.

Pros

  • No annual fee.
  • All purchases round up to the nearest 10 points
  • 2x on groceries and gas (up to $6,000 each year), 1x on everything else.
  • Get 10% of your redeemed points back each year (for the first 100,000 points redeemed annually).

Cons

  • Charges a 3% foreign transaction fee, so you won't want to take this card with you abroad.
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Wisconsin bank and trust plymouth wi is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • No annual fee.
  • All purchases round up to the nearest 10 points
  • 2x on groceries and gas (up to $6,000 each year), 1x on everything else.
  • Get 10% of your redeemed points back each year (for the first 100,000 points redeemed annually).

Cons

  • Charges a 3% foreign transaction fee, so you won't want to take this card with you abroad.
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to 1st state bank hours nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. National merchant banker ltd Flex Plan offers are made available at Citi's discretion.

Best for dining and entertainment

1 - 8% cash-back

  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores is a great return for a no-annual-fee credit card
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.
  • You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (14.99% - 24.99% variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • best chase credit card with no annual fee 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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Pros

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores is a great return for a no-annual-fee credit card
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.
  • You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (14.99% - 24.99% variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • 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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for customizable rewards structure

1 - 3% cash-back

  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.

$200

$200

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 3% cash back in the category of your choice each calendar month — from gas, online shopping, dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2,500 combined purchases each quarter) cenlar mortgage payment credit card 1% on everything else. For example, if you have a home improvement project, you can set your 3% bonus category to that one month and switch it to gas next month if you’re going on a roadtrip. There’s no annual fee with this card, personalized to how you want to spend.

Pros

  • No annual fee.
  • Earn $200 best chase credit card with no annual fee cash rewards after spending $1,000 or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2,500 each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • No annual fee.
  • Earn $200 in cash rewards after spending $1,000 or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2,500 each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for airline transfer partners

1.25 - 5X points

  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

20,000 miles

Источник: https://thepointsguy.com/credit-cards/no-annual-fee/

The best travel credit cards of 2021


Caroline Lupini, Sarah Hagman    Reviewed

— Our editors review and recommend products to help you buy the stuff you need. If you sign up for a credit card after clicking one of our links, we may earn a small fee for referring you. However, our picks and opinions are independent from USA TODAY's newsroom and any business incentives.

Got a getaway on the brain? As vaccination rates climb and international borders open, some of us are looking to safely get out there. And you might want to do it with one of the best travel credit cards in hand, too.

Whether you’re looking for airline miles, a Global Entry or TSA PreCheck credit or a flexible rewards program that doesn’t box you in, there’s something for every type of traveler. Even the ones who only cash in on their vacation days every once in a blue moon.

Reviewed’s experts poured through dozens of credit card terms to find the best travel rewards credit cards. Start packing your bags.

Things to know about travel credit cards

  • Big-time rewards can mean big-time annual fees. If you’re paying to keep a card in your wallet, its benefits should outweigh the cost. With travel rewards credit cards, the annual fees are often wiped out by annual travel credits—as an example, see the Chase Sapphire Preferred Card—but take a look to make sure you find them relevant.
     
  • Credit cards often carry foreign transaction fees. They’re usually around 3% and can add a significant cost to international trips. All but one of the cards on this list—our pick for infrequent travelers—skip this charge to save you money.
     
  • Travel cards are marketed to those with good-to-excellent credit scores because of the high rewards potential. We put together these recommendations with that in mind. Banks have final say on who they accept for a credit card and APR rates and credit limits vary based on your creditworthiness.
     
  • As with any credit card, we recommend paying your balance on time and in full each month. This avoids interest charges and late payment fees and maintains a healthy credit history. As always, read a card card’s full terms and conditions before applying.

How we evaluated

We looked at dozens of cards’ earning potential and redemption options, prioritizing flexibility and the ability to transfer rewards to partner airlines and hotels at valuable rates.

We also considered other perks that make sense while you’re traveling, from travel accident insurance to coverage for delayed, damaged or lost baggage. Dining benefits also scored big in our book, for those who enjoy exploring the restaurant scene when away from home.

Lastly, we looked into foreign transaction fees, as they can add 3% to purchases made abroad.

Best overall: Chase Sapphire Preferred Card

The Chase Sapphire Preferred has been a favorite travel credit card for its top-notch benefits and flexible points since it was introduced more than a decade ago. And today it’s still the No. 1 credit card for many types of travelers.

Cardholders earn Chase Ultimate Rewards points that can be redeemed for nearly any type of excursion: flights, hotel stays, car rentals, cruises and more. It can meet your travel whims for a reasonable $95 annual fee. Plus, Chase currently offers a sign-up bonus that’s worth up to $750 in its travel portal.

Points: The Sapphire Preferred Card earns 2 points per dollar spent on travel, and that category has a broad definition. Think airfare, hotels, motels, car rentals, cruises, camping excursions and help from travel agents. It also covers transportation such as trains, buses, taxis and even tolls and parking. And if you book your getaway in the Chase portal, these purchases earn 5 points per dollar.

Dining racks up 3 points per dollar and extends to fast food joints, fine restaurants, coffee shops, takeout and eligible delivery services. Chase also introduced perks for groceries: Online orders earn 3 points per dollar (except at Target, Walmart and wholesale clubs, which is typical among the best credit cards for groceries). For everything between, purchases earn 1 point per dollar.

If you want to transfer points to another loyalty program, you have that option, too. And the good news is that points have the same value at a wide range of Ultimate Rewards partners such as JetBlue, Southwest and United, and hotels include popular chains like Hyatt, IHG and Marriott.

Perks: At the moment Chase offers a sweet sign-up bonus for new cardholders: Spend $4,000 within the first three months of account opening, and you'll earn 60,000 points. That's $750 if you book travel through the issuer's portal.

Year-round, there’s a laundry list of perks, including travel accident insurance and trip cancellation/interruption insurance. You can be reimbursed for toiletries, clothing and other essentials if your baggage is delayed more than six hours. And if your suitcase arrives damaged or is lost, there’s coverage for that, too.

The Sapphire Preferred best chase credit card with no annual fee offers primary car rental insurance coverage so you can avoid paying extra for insurance with the rental company. If something happens to your rental car, you won’t have to first make a claim with your own insurance policy.

Last but not least, it lacks foreign transaction fees, which is key to saving up to 3% when traveling internationally.

Learn more about the Chase Sapphire Preferred

Capital One VentureOne

The VentureOne has an uncomplicated program that rewards you with miles for every purchase, and there’s even an introductory bonus that can offer a windfall for your next trip. Best of all, it’s one of the few no-annual-fee cards that doesn’t charge foreign transaction fees.

Depending on your credit score, you’ll qualify for a Visa Platinum or Visa Signature card (which comes with a handful of additional benefits like travel accident insurance and lost luggage reimbursement).

Points: Cardholders earn 1.25 miles per dollar spent across the board and 5 miles per dollar on hotels and car rentals through Capital One’s portal.

There’s three ways to redeem rewards:

  • Within 90 days of making travel reservations, you can apply Capital One’s Purchase Eraser to receive an account credit for airfare, hotel nights, train tickets, cruises, travel agents and more.
     
  • You can arrange for flights, hotels and car rentals through Capital One’s Rewards Center.
     
  • Transfer your miles to more than a dozen loyalty programs such as Air Canada and British Airways. Capital One recently introduced new 1:1 partners, including Wyndham Rewards.

Perks: There’s 0% introductory APR for 15 months on new purchases and balance transfers—after which a variable rate (14.99% to 24.99%) applies—and you can also rack up 20,000 miles if you spend $500 on purchases within the first three months.

If you like what you’re reading, you may also want to consider the Capital One Venture. It does carry a $95 annual fee, but it comes with a higher rewards rate and even credit for Global Entry or TSA PreCheck applications.

Learn more about the Capital One VentureOne

American Express Gold Card

Are you willing to pay a little more than the $95 per year but don’t want to go all in on a card with a $500 annual fee? Enter the AmEx Gold. It comes with a $250 price tag, but you can virtually knock out the annual best chase credit card with no annual fee if you take advantage of various credits. Plus, you’ll have access to sweet travel perks, including professionals who can help square away hotel reservations and transportation. See rates and fees.

Points: The AmEx Gold earns 4X points on restaurants anywhere in the world and 4X points at U.S. supermarkets—a great rate any day of the year, whether you’re at home or stocking a vacation rental’s fridge. (Be mindful of the spending cap, but it’s fairly best chase credit card with no annual fee at $25,000 per year. You can spend nearly $500 on the weekly errand and fit under it.)

You’ll also earn 3X points on travel booked directly with an airline as well as airfare purchased through the issuer’s rewards portal. For everything between, you’re looking at 1X points.

When it comes to redemption options, travelers can transfer to airline or hotel partners such as Aer Lingus, Etihad Guest and Hawaiian Airlines or as a statement credit or gift card. There’s always the option to book through AmEx Travel, too.

Perks: If you run into any trouble, there’s coverage for lost or damaged baggage, credits for meals and lodging if your trip is delayed more than 12 hours and car rental damage insurance. Plus, when you’re more than 100 miles away from home, the Global Assist hotline is a phone call away to help with replacing passports and medical or legal emergencies.

There are no foreign transaction fees, though of course, American Express cards are not accepted everywhere overseas. See rates and fees.

Learn more about the American Express Gold Card

Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium travel credit card with incredibly valuable benefits. No surprise: It has a steep $550 annual fee. But its excellent returns quickly make it worthwhile for those who like to travel in style.

Points: The Sapphire Reserve offers 3 Chase Ultimate Rewards points per $1 spent on travel after you spend $300 in the category (which is reimbursed with an annual credit). It also earns 3 Ultimate Rewards points on dining (restaurants, casual eateries and coffee shops) and 1 point per $1 spent on all other purchases.

Ultimate Rewards points can be used to book hotels, cruises, car rentals, vacation rentals and tourist activities directly through Chase’s travel portal where they’re worth 1.5 cents each ($0.015).

So, a cross country flight that would cost $500 on an airline’s website could equal 37,500 points (worth $375 if redeemed for cash) if you bought it through Chase’s travel portal. For additional flexibility, you can combine points with frequent flyer miles at certain programs, including Emirates, Singapore Airlines and JetBlue. There’s three hotel partners: Hyatt, IHG and Marriott.

For a rewards boost, cardholders can book excursions through the Chase travel portal to rack up 10 points per dollar on dining, hotel stays and car rentals, and 5 points per dollar on airfare.

Perks: The Sapphire Reserve offers a $300 travel credit each year, where the first $300 in travel purchases (from taxi fares to hotels and flights) made on your card will be refunded via a statement credit, effectively reducing the annual fee to $250.

You’ll benefit from trip delay coverage, trip cancellation coverage and lost and damaged baggage coverage. In other words, you get away without purchasing additional travel insurance, including when renting a car. Primary car rental insurance covers up to $75,000 in physical damages or theft, meaning you don’t have to make a claim to your own insurance policy first.

You’ll also receive credit for a Global Entry or TSA PreCheck application every four years and a Priority Pass Select Membership that gives you access to more than 1,200 airport lounges across the world. These travel benefits can save you time and hassle, and maybe keep you a little saner, when you're dealing with the madness of an airport.

Finally, the Chase Sapphire Reserve doesn’t charge foreign transaction fees for purchases made abroad, an absolute must if you plan to travel internationally.

Learn more about the Chase Sapphire Reserve

Capital One Venture

Is your head spinning from calculating points, tracking categories and doing the math on transfer values? The Capital One Venture is a straightforward travel rewards credit card, and it should serve you well whether you’re on the go or stuck at home.

We’re especially encouraged by recent developments, as the issuer has announced new hotel and airline partners, introduced a 1:1 transfer tier, and it’s slated to open its own airport lounges in Dallas Fort Worth and Dulles.

Points: You’ll earn an unlimited 2X miles for every purchase you make—or 5X miles on hotels and rental cars booked through Capital One's portal. Those miles can be redeemed on airfare, hotel stays or transferred to more than a dozen loyalty programs. Some partners are at a lower rate, but others carry the same value.

Perks: You can take this card overseas with no foreign transaction fees and rest easy with travel accident insurance. Plus, every four years you can be reimbursed for up to $100 on Global Entry or TSA PreCheck fees to breeze through the airport. Renting a car? There’s an auto damage waiver that covers collision and theft. Lastly, Capital One is offering 60,000 bonus miles if you spend $3,000 within the first three months. 

Learn more about the Capital One Venture

The Platinum Card from American Express

The Platinum Card plugs you into AmEx’s excellent hotel the banks cincinnati concierge service, which is like having a personal travel agent a phone call away, no matter where you are in the world. Likewise, this card is a good option for frequent flyers who'd like to make use of American Express’s best-in-class Centurion Lounges, with a dozen U.S. locations and more opening across the globe.

The high-end perks unsurprisingly come with a high price tag: a $550 annual fee. You’ll definitely want to use it often to make it worthwhile. Luckily, there are plenty of credits that can help soften the blow.

American Express cards aren’t widely accepted outside of the U.S.—typically only at international locations of U.S.-based hotel and restaurant chains and sometimes high-end stores. That said, wherever you can use it, the Platinum avoids foreign transaction fees. See rates and fees as terms apply.

Points: The Platinum Card offers 5 Membership Rewards points per dollar on airfare purchased directly from airlines or through AmEx Travel. (There’s a $500,000 spending cap for this category.) Cardholders also earn 5 points per dollar when booking prepaid hotel stays through amextravel.com, and 1 point per dollar spent on all other purchases.

Additionally, during the first six months of a new account, the Platinum Card offers 10 points per dollar on up to $15,000 spent at U.S. supermarkets and U.S. gas stations.

These points can be redeemed through AmEx Travel with a value of 1 cent each ($0.01) or they can be transferred to American Express partners like British Airways, Virgin Atlantic and Marriott Bonvoy.

Perks: As you'd expect, a Global Entry or TSA PreCheck application fee is covered when it's paid for with the card and you can enroll in a Priority Pass Select membership to gain entry to more than 1,300 airport lounges worldwide. You'll also have access to American Express’ Centurion Lounges (currently 12 within the U.S., plus several international lounges, with more opening every year) and Delta’s lounges when you fly with the airline.

Travel concierges can assist Platinum cardholders with restaurant reservations, concert tickets and more anywhere in the world. And with the Fine Hotels + Resorts programs, cardholders receive an average of $550 worth of complimentary perks such as late check-out and room upgrades. The Amex Platinum also offers $200 annually in Uber credits ($15 per month, $20 in December) but only for use in the U.S.

Learn more about the Platinum Card from American Express

IHG Rewards Club Premier

If you hop from hotel to hotel, there are plenty of cards that will accommodate your needs. IHG loyalists have their pick of more than 5,000 properties at a range of price points. The brand includes chains like the luxe Kimpton and InterContinental hotels and more budget-friendly options like Holiday Inns.

If these are your go-to hotels, the IHG Rewards Club Premier credit card stands out for its perks. It has an $89 annual fee, though one benefit alone—the free night certificate—can easily cover the cost. Not to mention, it includes a Global Entry or TSA PreCheck reimbursement.

Points: You’ll get up to 25 points per dollar spent at IHG hotels and 2 points at gas stations, grocery stores and restaurants. All other purchases earn 1 point per dollar.

When you redeem your IHG points for a stay that’s four consecutive nights or longer, you’ll get your fourth night free (in effect, a 25% discount). This can be applied to an unlimited number of trips in one year.

Perks: This Chase card automatically gives you high-level Platinum Elite status with InterContinental Hotels Group. That means you get benefits like late checkout, 50% more points when you stay at IHG hotels and room upgrades. While this isn’t the chain’s highest tier, we’re not ones to complain about a few more hours to lounge in a hotel bed.

The IHG Premier Card also offers a TSA PreCheck–Global Entry fee credit of up to $100 every four years. Simply charge your application fee to your card and you’ll be reimbursed with a statement credit. And you don’t need to worry about foreign transaction fees either.

Finally, every year you’ll be given an anniversary credit for a free night. It can be used for rooms that cost up to 40,000 points, which can easily be worth $200 per night. Just by using this certificate each year, this card could pay for itself.

Learn more about the IHG Rewards Club Premier

Citi Premier

Experts and consumers regularly mention the Citi Premier as a worthy travel credit card, but it also is valuable when you’re filling up at the pump. Plus, it earns flexible rewards that can be redeemed for cash back, used to book travel directly through Citi or transferred to Citi’s airline partners, including JetBlue and Virgin Atlantic. All this is yours for a $95 annual fee.

Points: The Citi Premier earns 3 ThankYou points per dollar spent on airline travel, hotel stays and at gas stations. You'll get that top rate at restaurants and supermarkets, too, and 1 ThankYou point per dollar spent on all other purchases.

If you redeem your ThankYou points for cash back, they are worth one cent each ($0.01). Transfer your points to Citi’s partners and the value can be significantly more or less, depending on the current dollar cost of the flight. The mile cost for flights booked with travel partners is generally static, so if the dollar cost is up, you could save with transferred miles.

Perks: For one, you’ll never be charged foreign transaction fees when you travel abroad. And once a year, you can receive $100 off an eligible hotel stay that's booked through Citi. Cardholders can also earn 60,000 bonus points after spending $4,000 within three months of opening their account.

Learn more about the Citi Premier

Chase Freedom Unlimited

Perhaps now that you’ve dug deeper into the world of travel credit cards, you’ve realized you don’t spend enough on airfare or hotel nights to rack up rewards. In that case, we think the Freedom Flex is a worthy option.

It pays to use for everyday shopping and adds a boost when booking travel through Chase. And because there’s no annual fee, you won’t have to pay for adding it to your wallet—as long as you pay your bill on time and in full, that is.

Points: When cardholders book travel through Chase Ultimate Rewards, they earn 5% on those flights, hotel stays, car rentals and more.

Beyond that, you earn 3% at restaurants whether you’re trying a hot spot around the corner from your hotel or headed to your local haunt. The rate also applies to takeout and eligible delivery services as well as drugstore purchases. That’s money in your pocket when you’re stocking up on TSA-compliant toiletries on the eve of a flight, buying SPF once you’ve touched down at a resort or even a weeknight run for toilet paper.

Any other purchases will earn an unlimited 1.5%.

Perks: Despite not being a travel card, the Freedom Flex does come with a few benefits for when you’re on the road. Take advantage of an auto rental collision damage waiver, trip cancellation/interruption insurance and travel emergency services for legal and medical assistance.

Keep in mind: This is the only card on the list with a foreign transaction fee. But the Freedom Unlimited is a low maintenance, straightforward option that may work for infrequent travelers who stick to exploring the U.S.

Learn more about the Chase Freedom Unlimited

Please note: The offers mentioned above are subject to change at any time and some may no longer be available.

Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.

See rates and fees for the American Express Gold Card. See rates and fees for The Platinum Card from American Express.

How many credit cards should you have?

  • We hate to break it to you, but there’s no one-size-fits-all answer here. The right number of credit cards for you depends on what you can responsibly manage.
     
  • Does having a piece of shiny plastic an arm’s length away often encourage you to spend money you don’t have? You may want to think twice before applying for more credit. Carrying a balance you can’t afford contributes to interest charges, and in the long run costs you more money.
     
  • If you’re financially responsible and stick to making purchases that you can pay off, there may be some upsides to adding walmart grocery pickup code card to your arsenal. For instance, if you’re a jet-setter without a card that rewards you for hitting the road, a travel card may make sense for you.
     
  • There are a few other things to consider before opening a new account, like adding a different payment processing network or taking note of any annual fees.

What is a good APR for a credit card?

  • Credit card annual percentage rates range from 13% to 25%, with the national average in January 2021 around 16%. Credit cards marketed for applicants with bad credit tend to be on the higher side, as do credit cards with rewards programs.
     
  • Before you submit an application, you can see this range in the cardmember agreement. You won’t know the rate until you’re approved, as it’s determined by the issuer based on your creditworthiness. The higher your credit score, the lower the rate you can expect. Remember that with a variable rate, an issuer can change the interest it charges at any time—and, per your cardmember agreement, it may not have to notify you.
     
  • An issuer may charge a different APR for purchases, balance transfers and cash advances. It may even offer an introductory rate that includes zero interest for a period of 12 to 18 months. Lastly, a penalty APR may kick in if you’re late for a payment, exceed your credit limit or break other terms and conditions laid out by the issuer.
     
  • We’ll say it till we’re blue in the face: Pay off your balance each month and you won’t have to think about interest.

How does credit card interest work?

  • Despite the term “annual percentage rate,” credit card issuers calculate interest daily. The daily periodic rate is determined by dividing your APR by 365 days, which is then applied to your average daily balance. Crunch this number by adding up the total you carry each and every day of the billing cycle and then dividing that by the number of days in the billing cycle.
     
  • Let’s say your APR is 16% and this month you carried an average daily balance of $2,000. The issuer first calculates the daily periodic rate (0.16 divided by 365). That rate (0.00043) is applied to your average balance (0.00043 x $2,000), which brings us to 0.87. Over the course of the 30-day billing cycle (0.87 x 30), you’ll pay $26.30 in interest.
     
  • If crunching numbers isn’t really your thing, some issuers include tools that calculate how much interest you’ll owe based on your monthly payment. Petal, for example, shares this information in a mobile app for its two credit cards, and it’s one of the best first credit cards that we recommend.
     
  • Remember: You won’t be charged interest if you pay off your balance in full and on time each billing cycle. We get that life happens. So if on occasion that’s not possible, consider paying more than the minimum amount to lessen the interest you’ll pay over time, or make more than one payment during the billing cycle to lower your average balance.

The product experts at Reviewed have all your shopping needs covered. Follow Reviewed on Facebook, Twitter and Instagram for the latest, deals, product reviews and more.

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Источник: https://www.usatoday.com/story/money/reviewed/2021/06/25/best-travel-credit-cards-2021-reviewed/7779225002/

: Best chase credit card with no annual fee

Best chase credit card with no annual fee
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