Best Travel Credit Cards with No Annual Fee in 2024

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The top no-annual-fee travel credit cards we’ve selected include co-branded and non-co-branded ones. Co-branded travel cards come with benefits for frequent users of a particular airline or group of hotels. The best cards from this category give you the means to earn bonus miles/points through spend-based welcome offers.

The miles or points per dollar you stand to earn vary from one travel credit card to the next. For instance, the Delta SkyMiles® Blue American Express Card offers up to 2x miles per dollar on category-based spending. With the Hilton Honors American Express Card, you can earn up to 7x points per dollar on bonus categories.

Other aspects that require your attention when choosing from the best travel credit cards with no annual fees include APRs, foreign transaction fees and added perks.

OUR REVIEW AT A GLANCE

Our Top 5 Picks
Summarized List of All Winners
Tips for Comparing Credit Cards

Each month, MoneyGeek experts go through our extensive database and select all new and existing no-annual-fee travel credit cards. An in-depth comparison follows, where they pay due attention to parameters such as welcome offers, reward rates, APRs and foreign transaction fees. Only then do they publish their revised list of the top cards from this segment.

MoneyGeek’s Take: Top 5 Travel Credit Cards With No Annual Fee

Quick Summary

Delta SkyMiles® Blue American Express Card: A great miles rewards card with no annual fees.
Hilton Honors American Express Card: A good travel rewards card for people who are casual guests at Hilton hotels and resorts.
U.S. Bank Altitude® Go Visa Signature® Card: Solid dining rewards card with no annual fee.
American Airlines AAdvantage MileUp℠ Card: A great travel card with no annual fee for frequent flyers on American Airlines.
Capital One VentureOne Rewards Credit Rewards: The best travel rewards card with no annual or foreign transaction fees.

Points/miles earn rates depend not just on the card you get but also on applicable bonus categories. While all the cards we've selected come with welcome offers, they're not the same, even with cards from the same issuer. We have accounted for these factors as well as others such as foreign transaction fees, APRs and added benefits in arriving at our list of the best travel credit cards with no annual fees. Scroll further down the page to view other good cards from this category.

Delta SkyMiles® Blue American Express Card
A great miles rewards card with no annual fees
- up to 2 Miles per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
Frequent Delta flyers who want to maximize their rewards will benefit from the Delta SkyMiles® Gold Amex Card. It offers a generous sign-up bonus, 2x miles on Delta purchases, free checked bags, priority boarding and more—making it ideal for Delta travelers.
Pros
High rewards on U.S. dining
Generous bonus miles offer
High rewards on Delta flights
Free first checked bag on Delta flights
Priority boarding on Delta flights

Cons
High annual fee after the first year
Limited value if not flying Delta
Introductory Offers
Earn 10,000 bonus Delta SkyMiles after spending $1,000 in the first six months.
Rewards
Earn 2X Delta SkyMiles per dollar at restaurants worldwide, including takeout and delivery in the U.S.
Earn 2X Delta SkyMiles per dollar on Delta purchases.
Earn 1X Mile on all other eligible purchases.
Perks & Benefits
Receive a 20% savings as a statement credit on eligible Delta in-flight purchases of food and beverages.
Pay with Miles: Take up to $50 off the cost of your flight for every 5,000 miles redeemed when booking on delta.com.
No foreign transaction fees. see Rates and Fees
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
APRS, Fees, and Penalties
No annual fee. see Rates and Fees
Terms apply.
Hilton Honors American Express Card
A rewarding travel card for people who are casual guests at Hilton hotels and resorts
- 3–7 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Hilton Honors American Express Card is a traveler's dream come true. With no annual fee and a generous welcome bonus, it's a financial no-brainer for those frequenting Hilton properties or just seeking exceptional value. Whether dining out stateside or shopping abroad, you'll accumulate points seamlessly without those pesky foreign transaction fees. And here's the kicker — this card instantly boosts you to Hilton's Silver status! Want more perks? Just up your spending game, and Gold status awaits. This card truly embraces both the occasional and the dedicated traveler.
Pros
No annual fee See Rates and Fees
Generous welcome bonus
High earning rates with Hilton
No foreign transaction fees See Rates and Fees
Automatic Hilton Silver status

Cons
Potentially high APR
High credit requirement
Introductory Offers
Earn 100,000 Hilton Honors Bonus Points after spending $2,000 in the first six months. Offer ends January 8, 2025.
Rewards
Earn 7X Hilton Honors Bonus Points for each dollar spent directly with Hilton hotels and resorts.
Earn 5X points on purchases at U.S. restaurants, supermarkets, and gas stations.
Earn 3X points on all other eligible purchases.
Perks & Benefits
Enjoy complimentary Hilton Honors Silver status.
Upgrade to Hilton Honors Gold status by spending $20,000 in a calendar year.
No foreign transaction fees for international purchases.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
APRS, Fees, and Penalties
No annual fee. See Rates and Fees
Terms Apply.
U.S. Bank Altitude® Go Visa Signature® Card
Solid dining rewards card with no annual fee
- 1–4 Points per $1Rewards Rate
- 18.24% – 29.24% VariableAPR
- $0Annual Fee
- 0Recommended Credit
The U.S. Bank Altitude Go lets you earn 4X points on dining, one of the highest dining rewards among no-annual-fee cards. However, the 4X has a $2,000 per quarter spending cap, and unlike other rewards cards, you’re unable to pool or transfer the points you earn with this card.
Pros
4X points on dining
No annual fee
Welcome bonus
0% intro APR offer

Cons
Limited bonus categories
Spending cap
Requires good to excellent credit
Rewards
Earn 4 points per dollar on dining, including takeout and delivery (starting April 14, 2025, a quarterly cap of $2,000 applies).
Earn 2 points per dollar on grocery, gas, and streaming services.
Earn 1 point per dollar on all other purchases.
Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected
Introductory Offers
Earn 20,000 bonus points after spending $1,000 in the first 90 days.
Enjoy 0% intro APR on purchases and balance transfers for 12 billing cycles., then a variable APR of 17.49% - 28.49% after that.
APRs, Fees, and Penalties
No annual fee.
Foreign transaction fee: 3%
Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Perks & Benefits
Receive a $15 credit annually for eligible streaming services like Netflix, Spotify, and Amazon Music.
Redeem your points for online shopping, statement credits, travel through the Altitude Rewards Center, and more.
American Airlines AAdvantage® MileUp® Card
A great travel card with no annual fee for frequent flyers with American Airlines
- 1–2 Miles per $1Rewards Rate
- 21.24% – 29.99% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
The American Airlines AAdvantage® MileUp® Card is good for travelers who fly infrequently but want to earn miles with American Airlines because it doesn’t have annual fees. It offers 2X miles per dollar on groceries and American Airlines purchases and a meaningful sign-up bonus with a low spending requirement. Compared to other no-annual-fee cards from different airlines, a unique feature is that purchases also count toward earning status. However, the card charges foreign transaction fees and lacks perks you might see on airline cards, such as priority boarding and free checked bags.
Pros
No annual fee
Bonus miles on AA and grocery purchases
Rewarding intro offer with low spend requirement
Earns toward status

Cons
Foreign transaction fees
Lacks travel perks like free checked bags or priority boarding
Rewards limited to AAdvantage redemptions
Introductory Offers
Earn 15,000 bonus miles after spending $500 in the first three months.
Rewards
Earn 2 AAdvantage miles per dollar on groceries and eligible American Airlines purchases.
Earn 1 AAdvantage mile for every dollar spent on all other purchases.
Perks & Benefits
Redeem miles for award flights on American Airlines to over 1,000 global destinations.
Earn one Loyalty Point for every eligible mile earned from purchases.
Access Citi Concierge 24/7 for assistance with restaurant bookings, gift shopping, and more.
Capital One VentureOne Rewards Credit Card
An excellent balance transfer card with travel rewards
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 15 MonthsBalance Transfer Duration
- 19.99%–29.99% VariableAPR
- 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other timeBalance Transfer Fee
- Good–ExcellentRecommended Credit
The Capital One VentureOne Rewards Credit Card offers exceptional value and flexibility for both frequent travelers and everyday spenders. It allows you to earn 5X miles on hotel and rental car bookings made through Capital One Travel and 1.25X miles on all other purchases. The card also provides a generous welcome bonus of 20,000 miles when you spend $500 within the first three months. The enticing welcome bonus and the absence of annual and foreign transaction fees add further value to this card. While there are some considerations, such as a balance transfer fee and potentially higher ongoing APR, this card's overall quality and functionality make it a desirable option for consumers seeking flexibility and rewards.
Pros
Unlimited earning potential
Welcome offer with low spend requirement
Decent intro APR offer on balance transfers and purchases
No annual fee
No foreign transaction fees

Cons
Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
Somewhat short intro APR offer period
High ongoing APR
No impressive travel protections
Introductory Offers
Earn a bonus of 20,000 miles after spending $500 on purchases within the first three months, equivalent to $200 in travel.
Rewards
Earn unlimited 1.25X miles on every purchase, every day.
Earn 5X miles on hotels and rental cars booked through Capital One Travel.
APRs, Fees, and Penalties
Enjoy a $0 annual fee and no foreign transaction fees.
Benefit from 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that, with a balance transfer fee.
Perks & Benefits
Miles won't expire for the life of the account, and there's no limit to how many you can earn.
Transfer your miles to over 15 travel loyalty programs.
Use your miles to reimburse any travel purchase or book trips through Capital One Travel.

Summary of the Best Travel Cards for No Annual Fee

Take a look at this no-annual-fee travel card comparison table to determine who these cards are best suited for and the credit you need to apply. You may also check how they fare against each other when it comes to rewards rates.

Credit Card
Best For
Avg. Reward Rate
Annual Fee
Credit Needed
Delta SkyMiles® Blue American Express Card
A great miles rewards card with no annual fees
up to 2 Miles per $1*
$0
Hilton Honors American Express Card
A rewarding travel card for people who are casual guests at Hilton hotels and resorts
3–7 Points per $1*
$0
U.S. Bank Altitude® Go Visa Signature® Card
Solid dining rewards card with no annual fee
1–4 Points per $1
$0
American Airlines AAdvantage® MileUp® Card
A great travel card with no annual fee for frequent flyers with American Airlines
1–2 Miles per $1
$0
Capital One VentureOne Rewards Credit Card
An excellent balance transfer card with travel rewards
IHG One Rewards Traveler Credit Card
Great card for earning points fast for IHG loyalists
2-17 Points per $1
$0
Marriott Bonvoy Bold® Credit Card
Great no-annual-fee card for earning points at Marriot properties
1–3 Points per $1
$0
United Gateway℠ Card
A great no-annual-fee rewards card for people who fly with United
1 Mile per $1
$0
Citi Rewards+® Card
An excellent no-annual-fee rewards card with a 0% introductory APR offer
1–2 Points per $1*
$0

MONEYGEEK EXPERT TIP

No-annual-fee travel credit cards are a great way to earn rewards without paying a fee. While they don't have the same level of benefits as cards with annual fees, you can earn a welcome bonus, receive rewards on your purchases and enjoy other perks. — Lee Huffman, credit card expert at BaldThoughts.com

How to Compare Travel Credit Cards & Intro Offers

There is no single best no-annual-fee travel credit card because just about every card from this segment comes with its share of pros and cons. As a result, you need to pay attention to your spending patterns and a few other aspects before making a selection.

1
Co-branded or not
If you favor using any particular group of hotels or airlines, you may benefit by getting a co-branded card that comes with airline/hotel-specific benefits. Some of the top no-annual-fee travel credit cards that fit this bill include the Delta SkyMiles® Blue American Express Card, the American Airlines AAdvantage MileUp℠ Card and the Marriott Bonvoy Bold® Credit Card.
2
Welcome offer
The best travel cards with no annual fees come with welcome offers, although these vary significantly. For example, the Amex Delta SkyMiles Blue Card comes with a welcome bonus of 10,000 miles that you may earn by spending $500 on purchases in the first three months. The Amex Hilton Honors Card, on the other hand, comes with a welcome offer of 80,000 Hilton Honors bonus points that you may earn by spending $1,000 on purchases in the first three months. It offers an additional 50,000 points if you spend a total of $5,000 on purchases in the first six months.
3
Rewards rate
Whether you earn points or miles depends on the card you get. In addition, several cards from this segment offer higher points/miles rates on category-based spending. For instance, the Marriott Bonvoy Bold® Credit Card offers up to 14x points at Marriott properties and 2x points on all other purchases. The Citi Rewards+® Card, on the other hand, offers 2x points per $1 spent at supermarkets and gas stations on the first $6,000 you spend each year, and all other purchases come with 1x points.
4
Foreign transaction fees
Pay particular attention to this aspect if you plan to use your card outside of the U.S. The Citi Rewards+® Card and the American Airlines AAdvantage MileUp℠ Card charge a 3% foreign transaction fee on international purchases. The other cards we've selected do away with this fee completely.
5
APR
Travel rewards cards typically come with higher APRs when compared to cards with no rewards. If you plan to maintain a revolving balance in your account from one billing cycle to the next, you might be better off getting a card with a low APR.
6
Other benefits
The IHG® Rewards Traveler Credit Card offers a reward night when you redeem your points for a stay of four or more nights. With the United Gateway Card, you get 25% back on United in-flight purchases. The Capital One VentureOne Rewards Card lets you transfer your miles to any of over 15 partner loyalty programs. Other card-specific features and benefits may come in the form of purchase protection, extended warranty, airport lounge access and varying levels of travel insurance coverage.

Best Travel Credit Cards for No Annual Fee in 2024

MoneyGeek’s Take: Top 5 Travel Credit Cards With No Annual Fee

Summary of the Best Travel Cards for No Annual Fee

How to Compare Travel Credit Cards & Intro Offers

Co-branded or not

Welcome offer

Rewards rate

Foreign transaction fees

APR

Other benefits

Further Reading