Discover the Best 10 No Annual Fee Travel Credit Cards of 2025

Earning Rates

• 1.25x miles on every purchase, every day.
• 5x miles on hotels and rental cars booked through Capital One Travel.

Key Features

• No blackout dates for redeeming miles.
• Transfer miles to 15+ travel loyalty programs.
• No foreign transaction fees.

Additional Perks

• Travel accident insurance and 24-hour travel assistance.
• Extended warranty on eligible items.
• Fraud coverage and alerts for secure travel transactions.

Best For

Travelers wanting a no-fee card with flexible miles and steady rewards on all purchases.

Earning Rates

• 1.5x points on every purchase, every day.
• Up to 2.62x if you're a Preferred Rewards member.

Key Features

• No points expiration or blackout dates.
• Redeem for flights, hotels, vacation packages, and more.
• No foreign transaction fees.

Additional Perks

• Preferred Rewards for higher earning potential.
• Travel and emergency assistance services.
• Overdraft protection if linked to BoA checking.

Best For

Travelers wanting a no-fee card with straightforward earning and flexible travel redemption.

Earning Rates

• 3x points on travel, dining, gas stations, transit, streaming, and phone plans.
• 1x points on everything else.

Key Features

• No annual fee, perfect for everyday use.
• Cell phone protection up to $600.
• Redeem for travel, cash, or gift cards.

Additional Perks

• 0% intro APR for 12 months on purchases.
• No foreign transaction fees.
• Access to Wells Fargo’s Rewards portal.

Best For

Everyday spenders seeking no-fee, multi-category rewards for travel and beyond.

Earning Rates

• 2x miles on Delta and restaurants worldwide.
• 1x miles on other purchases.

Key Features

• No annual fee, great for casual flyers.
• No foreign transaction fees.
• Straightforward SkyMiles earning.

Additional Perks

• 20% inflight savings on Delta purchases.
• Amex Offers for extra deals/savings.
• Global acceptance and contactless payments.

Best For

Occasional Delta travelers wanting basic SkyMiles earning and no annual fee.

Earning Rates

• 7x points on Hilton hotels/resorts.
• 5x points at U.S. restaurants, supermarkets, gas stations.
• 3x points on all other purchases.

Key Features

• No annual fee, excellent for casual Hilton stays.
• Silver Status automatically, potential Gold upgrade with spending.
• Flexible points redemption for free nights/upgrades.

Additional Perks

• Free Night Reward after $15,000 annual spend.
• Amex Offers for discounts and rewards.
• No foreign transaction fees.

Best For

Hilton fans who want to earn points on everyday spending without an annual fee.

Earning Rates

• 2x miles on United, gas stations, and transit.
• 1x on other purchases.

Key Features

• No annual fee.
• 25% back on inflight purchases (food, beverages, Wi-Fi).
• Exclusive United events/offers.

Additional Perks

• No blackout dates on United award tickets.
• MileagePlus® program for family/friend mile pooling.
• No foreign transaction fees.

Best For

Occasional United flyers who want miles without an annual fee.

Earning Rates

• 2x miles at grocery stores and AA purchases.
• 1x mile elsewhere.

Key Features

• No annual fee; an easy way to earn AA miles.
• Miles never expire as long as the account remains active.
• Participate in the AAdvantage® loyalty program.

Additional Perks

• Redeem miles for flights on American and oneworld® partners.
• Contactless payment for quick, secure checkout.
• No foreign transaction fees for international travel.

Best For

Budget-minded travelers who want to earn AA miles on everyday grocery and airline spend.

Earning Rates

• 1.5x miles on every purchase, with no cap.
• Redeem miles for travel or as statement credit.

Key Features

• No annual fee, simple earning structure.
• No blackout dates or restrictions when redeeming miles.
• Freeze It® feature to lock your card instantly if lost/stolen.

Additional Perks

• No foreign transaction fees.
• Free FICO® Credit Score monitoring.
• Discover match all miles after first year.

Best For

Those wanting a no-fee, no-category, unlimited-mile card with a unique first-year match.

Earning Rates

• 1.5% cash back on all purchases, every day.
• Redeem for travel, statement credits, or gift cards.

Key Features

• Designed for people with average credit to build/improve scores.
• Access to CreditWise for monitoring credit.
• No foreign transaction fees.

Additional Perks

• Automatic credit line reviews after 6 months.
• Fraud coverage if lost or stolen.
• Contactless payments for quick, secure checkout.

Best For

Individuals with average credit seeking a steady cash-back card and no annual fee.

Earning Rates

• 5% cash back on your top eligible category each billing cycle (up to $500 spend).
• 1% cash back on all other purchases.

Key Features

• Automatically adapts to your highest spending category.
• Eligible categories include restaurants, gas, groceries, travel, and more.
• No annual fee.

Additional Perks

• 0% Intro APR on purchases/balance transfers for 15 months.
• Access to Citi Entertainment® events.
• No rotating categories to activate manually.

Best For

Anyone wanting a no-fee card that automatically rewards their top spending category each cycle.