Best No Annual Fee Travel Credit Cards for September 2024

Travelers are back in the skies and on the roads, airplanes are taking off full, and there is likely a good chance you’re planning to travel this year or thinking about it. Whether you’re heading off on a much-deserved vacation or just getting away for a weekend, you may be looking to earn rewards on your travel spending.

But most travel credit cards come with an annual fee. That might make sense for road-warrior business travelers who are on a first-name basis with the airport check-in agent, but what if you don’t travel as often? If you’re an occasional traveler, paying an annual fee might not make sense.

In this article, we’ll cover the best travel credit cards with no annual fee.

Our recommendations

Best for ThankYou Points: Citi Rewards+® Card

Citi Rewards+® Card

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Citi Rewards+® Card

Annual fees

$0

(Rates & Fees)

Credit score needed

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Bonus rewards

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The Citi Rewards+® Card wouldn’t normally make a list of great travel cards, but it currently offers bonus points on some travel. Cardmembers can earn a total of five ThankYou Points on hotel, car rentals, and attractions booked through the Citi Travel portal through December 31, 2025.

If you’re invested in the Citi ThankYou Points ecosystem, the card is a must-have, not for its travel benefits, but for its point bonus on redemptions. The card offers a 10% rebate on point redemptions when you redeem your ThankYou Points. If you hold multiple ThankYou Point-earning cards and combine your ThankYou Points accounts, you get this rebate on any redemption, up to 100,000 points redeemed per year.

Here are the details of the Citi Rewards+® Card:

• 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
• Special offer: Earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025 (airfare is not included).
• 2 ThankYou Points per dollar on the first $6,000 spent per year at supermarkets and gas stations for first $6,000 per year and then 1X Points thereafter.
• 1 ThankYou Point per dollar on all other purchases.
• foreign_transaction_fee foreign transaction fee.
• $0 (Rates & Fees) annual fee.

Best for cash back on travel: card_name

Costco Anywhere Visa® Card by Citi

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Costco Anywhere Visa® Card by Citi

Annual fees

annual_fees (Rates & Fees)

Credit score needed

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Bonus rewards

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If you want a no-annual-fee card that offers cash back on travel and are a Costco member, the card_name simply can’t be beat. The Costco Anywhere Visa offers 3% cash back on travel categories including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. You must be a Costco member to get this card, but if you’re looking for cash back on travel, few other cards offer as much cash back on as many travel categories as the Costco Anywhere Visa.

The one quirk of the rewards earned by the Costco Anywhere Visa Credit Card is that you earn your rewards as Costco Cash. Costco Cash rewards get distributed once your February billing statement closes in the form of a credit card reward certificate. This certificate must be redeemed at Costco for merchandise or cash.

Here are the details of the Costco Anywhere Visa Card:

• 4% cash back on the first $7,000 spent each year on eligible gas and EV charging purchases worldwide and then 1% thereafter.
• 3% cash back at restaurants worldwide.
• 3% cash back on eligible travel purchases.
• 2% cash back on all other purchases at Costco and at Costco.com.
• 1% cash back on all other purchases.
• foreign_transaction_fee foreign transaction fee.
• annual_fees (Rates & Fees) annual fee.

Best for Hilton stays: card_name

Hilton Honors Card from American Express

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Hilton Honors Card from American Express

Annual fees

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Credit score needed

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Bonus rewards

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If your travel plans have you staying within Hilton’s family of hotel brands, consider picking up the card_name. The card earns seven Hilton Honors Bonus Points per dollar spent at hotel properties within the Hilton portfolio. And you’ll get Hilton points for your everyday purchases like gas and groceries. The card earns five Hilton Honors bonus points per dollar spent at U.S. restaurants and U.S. gas stations as well. The card is also a great choice if you’re planning to travel abroad as it does not charge foreign transaction fees.

Here are the details of the Hilton Honors American Express Card:

• 7 Hilton Honors bonus points per dollar spent at any participating hotel within the Hilton portfolio.
• 5 Hilton Honors bonus points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• 3 Hilton Honors bonus points per dollar on all other eligible purchases.
• foreign_transaction_fee foreign transaction fee (Rates & Fees).
• annual_fees annual fee (Rates & Fees).

Best for United miles: card_name

United Gateway℠ Card

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United Gateway℠ Card

Credit score needed

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Regular APR

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Annual fees

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Bonus rewards full

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Why we like it:

The card_name offers unlimited 2x United MileagePlus miles on gas station purchases without charging an annual fee. This allows cardholders to earn miles toward their next vacation while commuting to work, running errands around town, and all of their other gas purchases. New cardholders get extra time to pay off their items without incurring interest charges with a 0% intro APR for 12 months on purchases.

Product details:

Introductory Offer:

• Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
• 0% intro APR for 12 months from account opening on purchases. Learn more.

Rewards:

• Earn 2 miles per $1 spent on United® purchases, at gas stations, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases.

Additional Benefits:

• Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks when you pay with your GatewayCard.
• Annual Fee: None.

Member FDIC

• Balance Transfers fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash Advances fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign Transactions fee: None

United MileagePlus aficionados wanting to pad their mileage balances without paying an annual fee should take a look at the card_name. The card earns two United miles per dollar spent on United Airlines purchases, at gas stations, and on local transit and commuting.

The benefits of the card_name don’t stop with earning miles. The card also offers 25% back on United inflight and United Club premium drink purchases. And the card offers essential travel insurance coverage such as auto rental collision damage waiver, trip cancellation/interruption insurance, and purchase protection.

Here are the details of the United Gateway Card:

• 2 United miles per dollar spent on United purchases.
• 2 United miles per dollar spent at gas stations.
• 2 United miles per dollar spent on local transit and commuting.
• 1 United mile per dollar spent on all other purchases.
• foreign_transaction_fee foreign transaction fees.
• annual_fees annual fee.
• Member FDIC.

Best for American miles: card_name

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Annual fees

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Credit score needed

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Bonus rewards

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If you want to earn American Airlines miles on your purchases with the airline, there may be no better card than the American Airlines AAdvantage® Mile Up® Mastercard®. The card earns two miles per dollar spent with American Airlines—an earning rate that matches even the airline’s most premium card_name, which carries a annual_fees annual fee. In addition to miles on American Airlines purchases, the card earns two miles per dollar spent at grocery stores.

The card_name has a unique feature among airline cards with no annual fee: The card can help you earn elite status with American Airlines. You earn one loyalty point for every one dollar you spend on purchases. Earning just 15,000 loyalty points in a year gets you Group 5 boarding privileges and a handful of preferred seat coupons. Once you earn 40,000 loyalty points in a year, you get AAdvantage Gold status, giving you access to complimentary upgrades.

Here are the details of thecard_name:

• 2 AAdvantage miles per dollar spent on eligible American Airlines purchases.
• 2 AAdvantage miles per dollar spent at grocery stores, including grocery delivery services.
• 1 AAdvantage mile per dollar spent everywhere else.
• Earn 1 loyalty point for every AAdvantage mile earned from purchases.
• foreign_transaction_fee foreign transaction fee.
• annual_fees annual fee.

Best for Delta miles: card_name

Delta SkyMiles® Blue American Express Card

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Delta SkyMiles® Blue American Express Card

Annual fees

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Credit score needed

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Bonus rewards

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Delta Air Lines flyers can earn SkyMiles without paying an annual fee if they hold the card_name. The card_name offers two SkyMiles per dollar spent on Delta purchases and at restaurants, plus a 20% rebate on in-flight purchases. The card does not levy a foreign transaction fee (Rates & Fees), making it a solid option for international travelers who prefer SkyTeam.

Here are the details of the Delta SkyMiles Blue American Express Card:

• 2 Delta SkyMiles per dollar spent on Delta purchases.
• 2 Delta SkyMiles per dollar spent at restaurants.
• 1 mile per dollar spent on all other purchases.
• foreign_transaction_fee foreign transaction fee (Rates & Fees).
• annual_fees annual fee (Rates & Fees).

Best No Annual Fee Travel Credit Cards Comparison Chart

Our methodology

To find the best travel credit cards with no annual fee, we looked at the offerings from banks, U.S.-based airlines, and the major hotel chains. To be included in our list, cash back cards had to earn greater than 2% cash rewards on travel. Co-branded hotel and airline cards needed to earn at least two points per dollar on purchases with the brand. In most cases, we found that holding the no-annual-fee card that aligns with your travel brand preferences will earn you the most miles and points.

From Our Experts: ‘Which Card I Use’

We asked our experts, who write about hundreds of credit cards each year, to tell us which no-annual-fee travel card they rely on. Here’s what they said.

Sarah Hostetler: card_name

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

Credit score needed

credit_score_needed

Annual fees

annual_fees

Welcome offer

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Card details:

Introductory Offer:

• Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), which can add up to $300 in cash back!
• 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Intro Card Rewards:

• 6.5% cash back on travel booked through Chase Travel℠, our top-tier rewards program where you can redeem for cash back, travel, gift cards, and more.
• 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• 3% cash back on all other purchases (up to $20,000 spent in the first year).

After the First Year or $20,000 Spent Card Rewards:

• 5% cash back on travel booked through Chase Travel℠.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• Unlimited 1.5% cash back on all other purchases.

Additional Benefits:

• No minimum to redeem for cash back. Choose a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards never expire as long as your account is open!
• No annual fee – Enjoy all the great features of your Freedom Unlimited® card without paying an annual fee.
• Credit Monitoring – Keep track of your credit health with Chase Credit Journey, offering free access to your latest score, alerts, and more.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Why we like it:

The Chase Freedom Unlimited® is a solid flat-rate earnings card with annual_fee_disclaimer annual fee. Although the 1.5% cash back doesn’t seem impressive at first glance, it becomes more valuable when combined with other rewards cards from Chase that can be redeemed for a far greater value.

This card is recommended for everyday use, whether for doctor copays or big box store purchases. It can be a large earner for cardmembers who want to get the most out of their everyday spending.

My go-to no-annual-fee credit card to quickly earn travel rewards is the card_name. While not strictly a “travel” credit card, it earns some of the most valuable travel points in existence: Chase Ultimate Rewards® — and at a faster rate than many premium travel rewards cards. The one caveat is that you’ll need to also hold an annual fee-incurring Ultimate Rewards card to unlock the full potential of your points. If you’re not ready to take that leap, you can happily accrue Chase points for no annual fee and have a mountain of rewards for whenever you decide to open a card like the Chase Sapphire Preferred® Card.

Holly Johnson:Chase Freedom Flex℠

While the Chase Freedom Flex℠ isn't a travel credit card per se, I use it to earn rewards that are ultimately used for travel. That part is easy since Chase lets users pool all their rewards in a Chase travel credit card for premium travel redemptions. I always move my Freedom rewards to our family's Chase Sapphire Reserve® account before I redeem. I love using the Chase Freedom Flex℠ to earn bonus rewards in its 5% back categories, at least up to the $1,500 quarterly bonus spending limit. These categories are frequently ones I can use, so they're easy to maximize. For example, the card's upcoming bonus category for Q3 of 2024 includes gas, EV-charging stations, select live entertainment (including concert tickets), and movie tickets.

Kevin Payne: Choice Privileges® Mastercard®

The Choice Privileges® Mastercard® has been a nice surprise for our family. It's not the flashiest travel rewards card, and most of our trips don't include stays at Choice properties. But it fills a specific need. Our road trips to the East Coast for beach vacations involve long car rides and often include a halfway-point hotel pit stop. Many Choice Hotels offer rooms with two beds and a sleeper sofa, which work well for our family of six. We're just there to sleep and grab a free breakfast before finishing our trek, so we don't need fancier accommodations. Redemptions for reward nights are relatively low, so the card's sign-up bonus goes a long way. We've also used it to book free stays for our kids' out-of-town sports tournaments. We don't stay at Choice properties enough to warrant getting the higher tier Choice Privileges® Select Mastercard®, which has a $95 annual fee, but the no-fee version works perfectly for us.

TIME Stamp: Brand loyalty can be rewarding

If you are a Costco member, the card_name offers the best travel rewards across a variety of travel purchases. If you’re not a Costco member and want a travel credit card that offers the best rewards with no annual fee, go with the entry-level card of your most used travel brand.