I use a wide variety of different credit cards. I like to reap the best rewards that I can from different types of cards. For example, travel credit cards offer a variety of discounts and protections, so I use one when I book any type of trip. Unfortunately, cards with these kinds of perks often come with annual fees. Personally, I try to avoid cards with annual fees. I don’t think the costs are worth the rewards. So, I wanted to share with you the best travel credit cards with no annual fee.
Why Use a Travel Credit Credit Card
Using a travel rewards credit card can offer several benefits for frequent travelers, including:
- Earning points or miles – Many travel rewards credit cards offer rewards programs that allow cardholders to earn points or miles for every dollar they spend. These rewards can then be redeemed for free flights, hotel stays, and other travel-related expenses.
- Sign-up bonuses – Some travel rewards credit cards offer generous sign-up bonuses for new cardholders, which can include a large number of bonus points or miles that can be used to offset travel expenses.
- Travel perks – Many travel rewards credit cards come with additional travel perks, such as free checked bags, airport lounge access, and priority boarding, which can make travel more comfortable and convenient.
- No foreign transaction fees – Some travel rewards credit cards do not charge foreign transaction fees, which can save travelers money when using their cards abroad.
- Insurance coverage – Some travel rewards credit cards offer insurance coverage for things like trip cancellation, rental car damage, and lost luggage, which can provide peace of mind while traveling.
Why Choose Cards With No Annual Fee
Choosing a credit card with no annual fee can offer several benefits for consumers, including:
- Cost savings – Credit cards with no annual fee do not charge a yearly fee for card membership, which can save consumers hundreds of dollars each year. Obviously, this is the number one reason to look for the best travel credit cards with no annual fee!
- Accessibility – Credit cards with no annual fee are often more accessible to a wider range of consumers, as they do not require a high credit score or income to qualify.
- Rewards and benefits – Many credit cards with no annual fee still offer rewards programs and benefits such as cashback, travel rewards, and purchase protection.
- Low-risk experimentation – Choosing a credit card with no annual fee can be a low-risk way to experiment with credit card use, as consumers can try out the card’s features and rewards without committing to a yearly fee.
- Avoiding cancellation fees – Some credit cards charge cancellation fees when closing an account. By choosing a credit card with no annual fee, consumers can avoid these fees if they decide to close their accounts.
The 6 Best Travel Credit Cards With No Annual Fee
With all of that in mind, are you ready to get yourself one of the best travel credit cards with no annual fee? Here are six good ones to consider, as recommended by US News & World Report and The Points Guy.
1. Discover It Miles
I have the original Discover It card, so I can attest that it’s a good one to choose. If you don’t already have this card, then it’s a great time to get it. That’s because they offer double points back on everything you earn in the first year. If you plan to do a lot of traveling, then book it on this card to really reap those rewards. Plus, they offer 0% APR for the first 15 months!
The difference between the regular Discover It Card and the Discover It Miles card is simply that the latter is specifically a travel credit card. It’s great for collecting miles that you’re able to use specifically on travel purchases. They still match all your miles in the first year and offer that great intro APR.
2. Hilton Honors American Express
If you love to stay at the Hilton then make sure that you check out this credit card. When you sign up, spend $1000 in the first three months to get an automatic 80,000 point bonus. You’ll earn points on all purchases with higher points for restaurants, supermarkets, and gas stations. Of course, the highest points are for Hilton purchases. Like with any good travel credit card, there are no foreign transaction fees when using this card.
3. United Gateway Card
If you like to fly United Airlines, which is already usually an affordable option, then get this travel credit card. You’ll get 0% APR for the first 12 months. Moreover, if you spend $1000 in the first 3 months, you get 20,000 bonus miles. You earn United miles on all purchases, with more miles for purchases at gas stations, on local transit, and on any United purchases. Plus you get 25% back on purchases made on United flights. You also get one free year of DoorDash and Caviar food delivery memberships.
4. Bank of America Travel Rewards Card
This is a very straightforward travel rewards card. You get 1.5 points for every $1 that you spend on the card. You can earn unlimited points. you can use the points to pay for travel-related purchases including car rentals, flights, and restaurants. If you spend $1000 in the first 90 days, you get an additional 25,000 bonus points. That’s worth $250 in credit toward travel purchases. People like this card because you can do your travel shopping on any site or with any company, whereas many travel cards are limited to specific airlines or hotels or websites. This card also comes with a 0% introductory APR for 18 months.
5. CapitalOne Venture One Rewards Card
This is a good one if you don’t mind being limited to great deals when booking travel through just one site. You earn 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. You also earn 1.5 miles per dollar on all other purchases. If you spend $1000 on purchases in the first three months, you get 40,000 bonus points. That’s worth $400 in travel credit.
6. CapitalOne Spark Miles for Business
Finally, take a look at this travel credit card for business travel. However, be sure to note that there IS an annual fee; its’ just waived for the first year. Check carefully to see if these terms work for you. You earn the same 5 miles per dollar for booking through Capital One Travel. You get 2x points on other purchases on this card. If you spend $4500 in three months, you get 50000 bonus points. The perk here is really that you can get cards for your employees to use, adding up your points, and it doesn’t cost you anything extra.
Do you have any other suggestions for the best travel credit cards with no annual fee? Let us know!
Read More:
- Get a Travel Credit Card Even If You Have Fair Credit With These Tips
- 5 Ways You Are Lowering Your Credit Score
- 4 Ways We Save Money with Cross Country Travel
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Kathryn Vercillo is a professional writer who loves to live a balanced life. She appreciates a good work-life balance. She enjoys balance in her relationships and has worked hard to learn how to balance her finances to allow for a balanced life overall. Although she’s only blonde some of the time, she’s always striving for total balance. She’s excited to share what she’s learned with you and to discover more together along the way.
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