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The best no annual fee travel credit cards in 2020 are a win-win solution for many people. You earn rewards on every purchase and build your credit score. And you can earn cashback rewards or travel rewards with no annual fee credit cards too, they generally aren’t considered to be the best travel credit cards for 2020, because they have fewer benefits and rewards. Even so, they are still a good option for many people, either as a primary or secondary credit card. So what are the best travel credit cards with no annual fees?
This no annual fee credit card list is divided into personal and business cards (including a few that made it onto our best small business credit cards 2020 list) to help you pick a rewards credit card for your purchases. Although these credit cards don’t come with a lot of extra benefits, you can still rack up the rewards points quickly!
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
The Best No Annual Fee Travel Credit Cards 2020
- $300 Cash Back: The Wells Fargo Propel American Express® Card
- Chase Freedom Cash Back: Cash Back Credit Cards
- Shopping and U.S. Grocery Purchases: Amex EveryDay® Credit Card from American Express
- Earn Delta SkyMiles: Blue Delta SkyMiles® Credit Card from American Express
- Free Hilton Hotel Nights: Hilton Honors American Express Card
- Business Cash Rewards: Ink Business Cash℠ Credit Card
Wells Fargo Propel Card – $300 Cash Back
The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.
You get 3x points for every dollar you spend on dining (both at restaurants and with ordering services such as UberEats), as well as every dollar you spend on Uber and Lyft, car rentals, flights, hotels, gas and streaming services.
Even better, there’s no annual fee, which is a big bonus if you’re not quite looking to drop extra cash on a credit card at the moment. This also gives you a chance to get your feet wet so to speak, without having to worry about a yearly fee. This option, as well as the potential to earn points for many everyday purchases, make this one of the best credit cards for millennials.
The current bonus is 30,000 points after spending $3,000 in the first three months (an easy enough target to hit), which translates to $300 in rewards that you can receive as plain cash back or as travel.
Learn more: Travel Rewards Credit Cards
Chase Freedom – Best Travel Credit Card With No Annual Fee
Best For: Cash Rewards
Sign-Up Bonus: $150 bonus after spending $500 in the first three months
The Chase Freedom earns 5% cashback on up to $1,500 in combined purchases on rotating bonus categories that you activate and 1% on all remaining purchases. For instance, in the first quarter of 2018, you would have earned 5% back on the first $1,500 of combined spending at gas stations, digital wallet payments, and your internet, phone, and cable purchases. Further, for the second quarter of 2018, you got 5% back on grocery stores, PayPal, and Chase Pay.
Furthermore, although the Chase Freedom is ideal for getting cashback rewards, you can redeem your points or transfer them to your favorite airline or hotel loyalty program if you own a Chase Sapphire Reserve or Preferred product.
Learn more: Cash Back Credit Cards
Best No Annual Fee Travel Credit Cards 2020: Personal Rewards Credit Cards
These best no annual fee travel credit cards for personal use are a good option as a secondary credit card or to replace your current daily credit card. They each have their own perks and benefits, depending on what you’re looking for and where you spend your money. Here are 5 travel credit cards with no annual fee.
Amex EveryDay Credit Card
Best For: Shopping and using at U.S. Supermarkets
Welcome Bonus: 15,000 Membership Rewards points after spending $1,000 on qualifying purchases in the first three months of account opening
It’s not every day that you come across a no annual fee (See rates and fees) rewards credit card that earns American Express Membership Rewards points. These points can be redeemed for cash statement credits, gift cards, or 1:1 airline and hotel point transfers.
This is all possible with the Amex EveryDay® Preferred Credit Card that boasts the following purchase rewards:
- 20% bonus with 20 or more monthly card transactions
- 2x points at U.S. supermarkets (Up to $6,000 per year then 1x point per $1)
- 1x points on all remaining purchases
There is a foreign transaction fee (See rates and fees) with the Amex EveryDay, but you can avoid this fee and earn more on your travel purchases with the Platinum Card from American Express (which can be hard to get) and still earn Membership Rewards with every purchase!
Learn more about the best Amex Credit Cards.
Blue Delta SkyMiles Credit Card from American Express
Best For: Earning Delta SkyMiles without worrying about annual fees (See rates & fees)
Bonus Offer: 10,000 bonus Delta SkyMiles after spending $500 in the first three months
You won’t enjoy free checked bags with the Blue Delta SkyMiles® Credit Card from American Express, but you’ll still earn 2x miles on purchases made directly with Delta and at U.S. restaurants. In addition, eligible in-flight purchases receive a 20% statement credit and you’ll earn 1 mile per $1 spent on all non-bonus categories. It’s definitely one of the best Delta Air Lines credit cards.
Your Delta SkyMiles never expire as long as you own this card. Furthermore, you can begin redeeming them for award flights starting at 5,000 SkyMiles.
Learn more: Airline Credit Cards
Hilton Honors American Express Card
Best For: Free Hilton hotel nights
Bonus Offer: Earn 75,000 Hilton Honors Bonus Points after you use your card to make $1,000 in eligible purchases within the first 3 months of account opening
- 7x points on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
- 5x points on eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
- 3x points on all remaining eligible purchases
- Automatic Hilton Honors Silver status
This no annual fee Hilton Honors American Express Card is a good option if you spend less than $15,000 in annual card purchases. However, if you spend more than $15,000, upgrade to the Hilton Honors American Express Surpass® Card to earn a free weekend night after spending $15,000 each card membership year.
Learn more: Hotel Rewards Credit Cards
Blue Cash Everyday Card from American Express
Best For: Cash Back, U.S. Supermarkets, U.S. Gas Station purchases
Welcome Bonus: $150 back (in the form of a statement credit) after spending $1,000 in the first three months
If you buy your groceries from a supermarket (not a discount store like Walmart or Target), the Blue Cash Everyday® Card from American Express gives you 3% cash back on the first $6,000 in grocery store purchases at U.S. supermarkets (then 1% once you hit the $6,000 threshold). That’s $180 in statement credits from grocery purchases alone plus:
- 2% Cash Back at U.S. gas stations and select U.S. department stores
- 1% back on all other purchases
To clarify, the 2% and 1% cash back categories offer unlimited cash back. After maxing out the 3% grocery rewards, all remaining U.S. supermarket purchases will earn 1% until your next card anniversary with this no annual fee (See rates & fees) credit card.
Learn more: Blue Cash Everyday® Card from American Express
Best No Annual Fee Travel Credit Cards: Business Rewards Credit Cards
Business spending can get expensive very quickly. While this isn’t always good for the bottom line, the additional rewards points can maximize every purchase. Similarly, these are the best no annual fee travel credit cards for business use.
Here are some of the best no annual fee travel credit cards for business rewards. However, if you want more options, check out some of the best small business credit cards 2020 options.
Chase Ink Business Cash Credit Card – Best Business Travel Credit Card No Fees
Best For: Cash Rewards
Sign-Up Bonus: $500 cash back bonus after spending $3,000 in purchases in the first three months
With the Ink Business Cash℠ Credit Card, you have the opportunity to earn 5% or 2% back on your business purchases each account anniversary year. Earn 5% back on the first $25,000 in combined spending on these purchases:
- Office supply stores
- Internet, cable, and phone services
You’ll also get 2% back on the first $25,000 combined spending for these purchases:
- Gas stations
Further, all remaining purchases and any bonus category spending in excess of $25,000 will earn 1% back. The Ink Business Cash also comes with primary rental car collision damage waiver protection.
Learn more: Ink Business Cash℠ Credit Card
Capital One Spark Select for Business
Best For: Cash or Travel Rewards
Sign-Up Bonus: $200 after spending $3,000 on purchases within 3 months of account opening with the Capital One® Spark® Cash Select for Business; or 20,000 miles after spending $3,000 on purchases in the first three months of account opening with the Capital One® Spark® Miles Select for Business
You might prefer a flat-rate rewards credit card if you don’t spend enough money in the bonus categories to benefit from tiered purchase rewards. Every business is different and thankfully there’s a wide selection of credit cards to maximize your spending habits.
There are several different versions of the Capital One Spark, but you’ll need to decide if you want to earn cash back or travel miles. Choose the Spark Cash Select for cash back or the Spark Miles Select for reward miles that can be used to book award travel or travel statement credits.
Other than the different award redemption, you’ll earn 1.5 miles or cash back on every dollar spent. Further, you’ll never pay a foreign transaction fee or annual fee!
With either Spark Select credit card, each mile is worth 1 cent each. To clarify, that means every 1,000 miles is equal to $10 in rewards. Note that these are also some of the best Capital One credit cards for travel.
Learn more: Capital One® Spark® Cash Select for Business
Learn more: Capital One® Spark® Miles Select for Business
Best No Annual Fee Travel Credit Cards 2020
The beauty of having some of the best travel cards with no annual fee is that they are free to own. This is regardless of how often or little you use them. Furthermore, you may only want to add one of these cards to maintain your rewards points balance so it doesn’t expire. On the other hand, you might want to earn the most cash back possible without paying an annual fee.
It doesn’t matter why you want rewards credit cards with no annual fee. Just choose one that offers the most useful rewards for you.
Best No Annual Fee Credit Cards 2020 To Start The Year
There are more options than ever to help you maximize rewards for little to no cost. Lucrative no annual fee credit cards are making a name for themselves in 2020. There are plenty to choose from. Whether your focus is on travel dining, hotels, everyday spending, or all of the above, there is a credit for you. And it comes with no annual fee.
If you like flexibility in a credit card, such as the ability to rotate bonus categories, the Chase Freedom® card is a no-brainer. You can earn 5% cash back for every purchase or 5 points per dollar on up to $1,500 in combined purchases in bonus categories each quarter, as well as unlimited 1% cash back on all other purchases.
As a new cardholder, you will also benefit from a $150 bonus after you spend $500 on purchases in the first three months of account opening. Additionally, if you already have the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card, you can combine your points and use them with Ultimate Rewards transfer partners, or, toward free travel booked through the Chase portal.
Learn more: Cash Back Credit Cards
Chase Freedom Unlimited
With the Chase Freedom Unlimited® card, you will have the ability to earn 3% cash back on all purchases in your first year of account opening, up to $20,000 spent. After that, you will earn an unlimited 1.5% cash back on all purchases.
There is no minimum to redeem for cash back. Plus, there is no caveat of earning more for bonus categories. You will earn 3% cash back on all purchases, every day, until hitting the $20k. Where this card really shines is the return on spending.
When you combine your Freedom Unlimited card points with your points from your Chase Sapphire Reserve card. Additionally, if you combine your card with the Chase Sapphire Preferred or Ink Business Preferred card, you can redeem the cash back as points for Ultimate Rewards on all purchases.
Learn more: Cash Back Credit Cards
Citi Double Cash
For a simple, no-fee card that requires no extra effort on top of swiping it through a credit card machine, the Citi® Double Cash Card is at straightforward as it gets. This card will earn you 2% cash back on every purchase, every day. You will receive 1% cash back upon making the purchase, and another 1% upon paying off your statement.
However, even if you carry a balance, you will still earn 1% on payments towards purchases. You just need to pay the minimum balance on time.
In a world of having to keep track of bonus categories and points, this card is refreshing in its simplistic nature. There is no earning cap or confusion around points redemptions, just cash back earning. The only restriction you will find on the Citi Double Cash card is a minimum of $25 in cash back before you can redeem your rewards.
The Bottom Line On Best No Annual Fee Credit Cards 2020
As with any new credit card, make sure to view the security benefits before opening an account. Chase, for example, offers quality protection and extended benefits for cardholders. However, foreign transaction fees can be quite high when it comes to no annual fee credit cards.
To find the best no annual fee credit cards 2020, analyze your spending. Decide what will earn you the most rewards.
For rates and fees of the Amex EveryDay® Credit Card, please click here.
For rates and fees of the Blue Cash Everyday® Card, please click here.
For rates and fees of the Blue Delta SkyMiles® Credit Card, please click here.
For rates and fees of the Hilton Honors American Express Card, please click here.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.