Would you like to maximize your travel rewards without the burden of an annual fee? Here’s a comprehensive list of the top 10 travel credit cards that offer substantial benefits and rewards without an annual fee. Each card comes with a generous intro offer of at least 10,000 points, making them perfect for savvy travelers.
Wells Fargo Autograph℠ Card
Annual Fee: $0
Rewards Rate: 3x points on dining, travel, gas stations, transit, streaming services, and phone plans; 1x on other purchases.
Intro Offer: 20,000 points after spending $1,000 in the first 3 months.
APR: 0% intro APR for 12 months on purchases, then 19.99%-29.99% variable.
Required Credit Score: Good to excellent (670-850)
The Wells Fargo Autograph℠ Card is a powerhouse for everyday spending, offering triple points on a wide range of popular categories. Whether you’re dining out, commuting, or enjoying entertainment, this card ensures you’re earning significant rewards.
Additionally, the 0% intro APR makes it a smart choice if you’re planning larger purchases or looking to pay down existing balances.
Bank of America® Travel Rewards Credit Card
Annual Fee: $0.
Rewards Rate: 1.5x points on all purchases.
Intro Offer: 25,000 online bonus points after spending $1,000 in the first 90 days.
APR: 0% intro APR for 18 billing cycles on purchases, then 17.99%-27.99% variable.
Required Credit Score: Good to excellent (670-850).
This card is ideal if you prefer simplicity. The Bank of America® Travel Rewards Credit Card offers a straightforward 1.5 points per dollar on every purchase. No need to track bonus categories, just steady rewards you can count on.
The generous intro offer and extended 0% APR period make this card a fantastic option for both earning points and managing expenses.
Bilt World Elite Mastercard® Credit Card
Annual Fee: $0.
Rewards Rate: 1x points on rent (up to 100,000 points annually), 3x on dining, 2x on travel, 1x on other purchases.
Intro Offer: 25,000 points after making 5 transactions each month for 3 months.
APR: 20.99%-29.99% variable.
Required Credit Score: Good to excellent (670-850).
Unique in offering rewards on rent payments without transaction fees, the Bilt World Elite Mastercard® is perfect for renters.
Additionally, you earn triple points on dining and double points on travel, making it a versatile card for both everyday expenses and adventures. Plus, the intro offer encourages consistent usage to maximize your rewards.
Discover it® Miles
Annual Fee: $0.
Rewards Rate: 1.5x miles on all purchases.
Intro Offer: Unlimited mile-for-mile match of all miles earned in the first year.
APR: 0% intro APR for 14 months on purchases, then 17.24%-28.24% variable.
Required Credit Score: Good to excellent (670-850).
With the Discover it® Miles card, simplicity meets substantial rewards. You can earn 1.5x miles on every purchase, and enjoy a remarkable first-year bonus with an unlimited mile-for-mile match. This means if you earn 30,000 miles, Discover will match it, giving you 60,000 miles in total.
The 0% intro APR period also offers financial flexibility for new cardholders.
Capital One VentureOne Rewards Credit Card
Annual Fee: $0.
Rewards Rate: 1.25x miles on all purchases.
Intro Offer: 20,000 miles after spending $500 in the first 3 months.
APR: 0% intro APR for 15 months on purchases, then 19.99%-29.99% variable.
Required Credit Score: Good to excellent (670-850).
The Capital One VentureOne card is designed for travelers who want to earn miles on every purchase without the hassle of tracking categories.
With a low spending requirement for the intro offer, you can quickly accumulate miles for your next trip. Plus, the long 0% intro APR period adds value for managing travel expenses.
American Airlines AAdvantage® MileUp® Card
Annual Fee: $0.
Rewards Rate: 2x miles at grocery stores and on American Airlines purchases; 1x on other purchases.
Intro Offer: 15,000 Bonus miles after spending $500 in the first 3 months.
APR: 20.99%-29.99% variable.
Required Credit Score: Good to excellent (670-850).
Combining everyday grocery rewards with travel perks, the MileUp® Card is perfect for frequent shoppers and American Airlines flyers.
The low spending threshold for the bonus offer makes it easy to start earning miles quickly. Use your miles for flights, upgrades, or other travel benefits with American Airlines.
Delta SkyMiles® Blue American Express Card
Annual Fee: $0.
Rewards Rate: 2x miles on Delta purchases and restaurants; 1x on other purchases.
Intro Offer: 10,000 miles after spending $500 in the first 3 months.
APR: 20.74%-29.74% variable.
Required Credit Score: Good to excellent (670-850).
This card is ideal for occasional Delta flyers. The Delta SkyMiles® Blue American Express Card offers double miles on both Delta purchases and dining.
This card allows you to earn miles without an annual fee, making it a cost-effective way to accumulate Delta SkyMiles for future travel.
United Gateway℠ Card
Annual Fee: $0.
Rewards Rate: 2x miles on United purchases, gas stations, and transit; 1x on other purchases.
Intro Offer: 20,000 miles after spending $1,000 in the first 3 months.
APR: 20.24%-27.24% variable.
Required Credit Score: Good to excellent (670-850).
The United Gateway℠ Card is perfect for United Airlines flyers who also spend on gas and transit.
With no annual fee, it’s a great way to earn United miles on everyday purchases, plus you’ll enjoy 20,000 bonus miles after a relatively low spending requirement.
Marriott Bonvoy Bold® Credit Card
Annual Fee: $0.
Rewards Rate: 3x points at Marriott Bonvoy hotels, 2x on travel, 1x on other purchases.
Intro Offer: 30,000 points after spending $1,000 in the first 3 months.
APR: 20.24%-27.24% variable.
Required Credit Score: Good to excellent (670-850).
Perfect for those loyal to Marriott, this card offers high rewards on Marriott stays and additional points on travel purchases.
The generous intro offer and lack of an annual fee make it a strong contender for hotel rewards enthusiasts.
Hilton Honors American Express Card
Annual Fee: $0.
Rewards Rate: 7x points at Hilton properties, 5x on dining, groceries, and gas; 3x on other purchases.
Intro Offer: 70,000 points after spending $1,000 in the first 3 months.
APR: 20.99%-29.99% variable.
Required Credit Score: Good to excellent (670-850).
This card is a top choice for Hilton loyalists, offering exceptional points on Hilton stays and everyday categories.
The substantial intro offer and multiple bonus categories ensure you’ll rack up points quickly for your next Hilton stay.
Bottom Line
Exploring the best travel credit cards with no annual fee can significantly enhance your travel experience without adding extra costs. Each of these top 10 cards offers unique benefits, from earning points on everyday purchases to enjoying substantial intro offers and special travel perks.
Whether you’re a frequent traveler or just starting to explore the world, these cards provide valuable rewards that can help you save on flights, hotels, and more.
Don’t miss out on the opportunity to maximize your travel rewards—check out these credit cards and find the one that suits your lifestyle best.
