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10 Great Travel Cards With No Annual Fee of October 2026
October, 2026You don't need to pay an annual fee to earn travel rewards. These cards earn points or miles toward flights and hotels with no yearly cost to keep them.
Read MoreShow Less
How to choose a no-annual-fee travel card
Flexible or loyal. General travel points work across many brands; airline and hotel cards are best if you stick with one.
Know the trade-offs. No-fee cards usually have fewer perks than premium travel cards.
Watch foreign transaction fees. If you travel abroad, look for a card that doesn't charge them.
Our pick for: No annual fee + flexible travel miles
Apply Nowon Capital One's websiteon Capital One's websiteAnnual fee$0Rewards rate1.25x-5xMilesIntro offer40,000milesRegular APR18.74%-28.74% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
5xMiles on hotels, vacation rentals and rental cars booked through Capital One Travel.1.25xMiles on every purchase, every day.Card details
- Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel
- 18.74% - 28.74% variable APR; this product does not have an introductory APR period, 4% fee on amounts transferred at a promotional APR that Capital One may offer you
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- View Rates & Fees
NerdWallet's take
The Capital One VentureOne Rewards Credit Card - Miles Boost is an easy way to earn flexible travel miles without an annual fee. You earn toward travel without paying to keep the card.
Read full reviewProsEarns unlimited miles on every purchase, plus more on hotels, vacation rentals and rental cars booked through Capital One Travel.
Use miles to cover any travel purchase or book through Capital One Travel; miles don't expire.
No foreign transaction fees.
Annual fee: $0.
ConsEarns at a lower rate than some travel cards with an annual fee.
Our pick for: No annual fee + bonus points on everyday travel and dining
Annual fee$0Rewards rate1x-3xPointsIntro offer20,000pointsRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
3xUnlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.1xUnlimited Points on other purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Autograph® Card earns bonus points across many everyday categories without an annual fee. It's an easy way to start earning travel rewards.
Read full reviewProsEarns bonus points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
Cell phone protection against damage or theft, subject to a deductible.
Redeem points for travel, gift cards or statement credits.
Annual fee: $0.
ConsOur pick for: No annual fee + flexible travel points
Apply Nowon Bank of America's websiteon Bank of America's websiteAnnual fee$0Rewards rate1.5x-3xPointsIntro offer25,000pointsRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRRewards breakdown
3xPoints per $1 spent on travel purchases booked through BofA Travel.1.5xPoints per $1 spent on everyday purchases.Card details
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
- Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Travel Rewards credit card is a simple travel card with no annual fee and flexible redemptions. There's no yearly fee, so every point or mile is a bonus.
Read full reviewProsEarns unlimited points on everyday purchases, plus more on travel booked through Bank of America Travel; points don't expire while your account is open.
Redeem points as a statement credit for travel and dining purchases, with no blackout dates.
No foreign transaction fees.
Annual fee: $0.
ConsNo bonus categories outside Bank of America Travel.
The highest rewards rates require Bank of America Rewards status.
Our pick for: No annual fee + choose-your-category points
Annual fee$0Rewards rate1x-5xPointsIntro offer20,000pointsRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.74%-28.74% Variable APRRewards breakdown
5xPoints for each $1 spent on Hotels, Car Rentals and Attractions booked on cititravel.com.3xPoints for each $1 spent in an eligible Self-Select Category of your choice.3xPoints for each $1 spent at Supermarkets.3xPoints for each $1 spent on Select Transit purchases.3xPoints for each $1 spent at Gas & EV Charging Stations.2xPoints for each $1 spent at Restaurants.1xPoint for each $1 spent on All Other Purchases.Card details
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- View Rates & Fees
NerdWallet's take
The Citi Strata℠ Card earns bonus points across everyday categories without an annual fee. You earn toward travel without paying to keep the card.
Read full reviewProsEarns bonus points in a category you choose, plus at supermarkets, on select transit, at gas and EV charging stations and at restaurants, with more on hotels, car rentals and attractions booked through Citi Travel.
Annual fee: $0.
ConsForeign transaction fee: 3%
Few travel perks.
Our pick for: No annual fee + Hilton points
Apply Nowon American Express' websiteon American Express' websiteAnnual fee$0Rewards rate3x-7xPointsIntro offer70,000 Points + Free Night RewardAPR19.74%-28.74% Variable APRRecommended creditGood - ExcellentRewards breakdown
7xPoints for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.5xPoints for each dollar of eligible purchases on your Card at U.S. restaurants.5xPoints for each dollar of eligible purchases on your Card at U.S. supermarkets.5xPoints for each dollar of eligible purchases on your Card at U.S. gas stations.3xPoints for all other eligible purchases on your Card.Card details
- Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.
- No Annual Fee.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver Status with benefits like a 20% Bonus on Base Points earned on stays, fifth night free on standard room reward stays with 100% Points, and more.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Spend $20,000 in eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year. With Gold status, you can enjoy: An 80% Bonus on Base Points you earn on every stay, Space-available room upgrades at select properties, A daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., and Fifth night free when you book a standard room stay with 100% Points.
- 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.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Hilton Honors American Express Card earns Hilton points on stays and everyday spending without an annual fee. It's an easy way to start earning travel rewards.
Read full reviewProsEarns bonus points at Hilton hotels, plus at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
Complimentary Hilton Honors Silver status.
Annual fee: $0.
ConsFew premium travel perks.
Points are most valuable for Hilton stays.
Our pick for: No annual fee + points on rent
Annual fee$0Rewards rateUp to 1.25xPointsIntro offer$100 Bilt CashRecommended credit score690-850(Good - Excellent)Purchase intro APR10% intro APR on purchases for the first 12 billing cycles from account openingRegular APR26.74%-34.74% Variable APRRewards breakdown
1xPoints on everyday purchases.1.25xUp to 1.25x points on rent and mortgage payments with no transaction fee.Card details
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 1X points on everyday spend.
- Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your Bilt Blue Card at our network of 50,000+ merchants.
- Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits).
- View Rates & Fees
NerdWallet's take
The Bilt Blue Card lets renters and homeowners earn travel points on their biggest monthly bill. There's no yearly fee, so every point or mile is a bonus.
Read full reviewProsEarns points on rent and mortgage payments with no transaction fee, plus on everyday purchases.
Redeem points with airline and hotel partners or toward rent and mortgage payments.
Cell phone protection and purchase assurance.
Annual fee: $0.
ConsEarns at a base rate on everyday purchases.
Redemptions can be complicated.
Our pick for: No annual fee + Delta miles
Apply Nowon American Express' websiteon American Express' websiteAnnual fee$0Rewards rate1x-2xMilesIntro offer10,000milesAPR19.74%-28.74% Variable APRRecommended creditGood - ExcellentRewards breakdown
2xMiles per dollar at restaurants.2xMiles per dollar spent on Delta purchases.1xMile on all other eligible purchases.Card details
- Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
- No Annual Fee.
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
- Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
- No Foreign Transaction 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.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Delta SkyMiles® Blue American Express Card earns Delta miles without an annual fee. You earn toward travel without paying to keep the card.
Read full reviewProsEarns miles at restaurants worldwide and on Delta purchases.
Savings on Delta in-flight food and beverage purchases.
No foreign transaction fees.
Annual fee: $0.
ConsNo free checked bags.
Our pick for: No annual fee + American Airlines miles
Apply Nowon Citibank's applicationon Citibank's applicationAnnual fee$0Rewards rate1x-2xMilesIntro offer15,000 Miles + $100 Statement CreditRecommended credit score690-850(Good - Excellent)Balance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR19.74%-29.74% Variable APRCard details
- Earn 15,000 American Airlines AAdvantage® bonus miles and a $100 statement credit after making $1,000 in purchases within the first 3 months of account opening.
- 0% Intro APR for 15 months from date of account opening for balance transfers only. After that the variable APR will be 19.74% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- View Rates & Fees
NerdWallet's take
The American Airlines AAdvantage® MileUp® Card earns American Airlines miles without an annual fee. It's an easy way to start earning travel rewards.
Read full reviewProsEarns American Airlines AAdvantage miles, with extra at grocery stores and on eligible American Airlines purchases.
Savings on in-flight food and beverages on American Airlines flights.
Annual fee: $0.
ConsNo free checked bags.
Foreign transaction fee: 3%
Our pick for: No annual fee + United miles
Annual fee$0Rewards rate1x-2xMilesIntro offerUp to 50,000 MilesRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 12 monthsRegular APR19.99%-28.49% Variable APRRewards breakdown
2xMiles on eligible United® purchases.2xMiles at gas stations, on local transit and commuting.1xMile on all other purchases.Card details
- Earn up to 50,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 5x total miles on eligible United flights and 2x miles on all other eligible United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 first standard checked bags after you spend $10,000 in a calendar year
- Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
- Member FDIC
- View Rates & Fees
NerdWallet's take
The United Gateway℠ Card earns United miles without an annual fee. There's no yearly fee, so every point or mile is a bonus.
Read full reviewProsEarns miles on United purchases, at gas stations, and on local transit and commuting.
Savings on food, beverages and Wi-Fi on United-operated flights.
Annual fee: $0.
ConsFree checked bags only after you meet an annual spending threshold.
Our pick for: No annual fee + Marriott points
Annual fee$0Rewards rate1x-14xPointsIntro offer45,000pointsRegular APR19.49%-27.99% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
14xUp to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®.2xPoints for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.1xPoint for every $1 you spend on all other purchases.Card details
- Earn 45,000 Bonus Points after qualifying purchases.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Marriott Bonvoy Bold® Credit Card earns Marriott points without an annual fee. You earn toward travel without paying to keep the card.
Read full reviewProsEarns bonus points at hotels participating in Marriott Bonvoy, plus at grocery stores, rideshare, select food delivery and streaming, and on internet, cable and phone services.
No foreign transaction fees.
Annual fee: $0.
ConsNo free anniversary night.
Compare the Best Travel No Annual Fee Credit Cards
| Credit card | Rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
| Capital One VentureOne Rewards Credit Card - Miles Boost Apply Nowon Capital One's website on Capital One's website | Best for No annual fee + flexible travel miles | $0 | 1.25x-5x | 40,000 miles | Apply Nowon Capital One's website on Capital One's website |
 Wells Fargo Autograph® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for No annual fee + bonus points on everyday travel and dining | $0 | 1x-3x | 20,000 points | Apply Nowon Wells Fargo's website on Wells Fargo's website |
| Bank of America® Travel Rewards credit card Apply Nowon Bank of America's website on Bank of America's website | Best for No annual fee + flexible travel points | $0 | 1.5x-3x | 25,000 points | Apply Nowon Bank of America's website on Bank of America's website |
 Citi Strata℠ CardApply Nowon Citibank's application on Citibank's application | Best for No annual fee + choose-your-category points | $0 | 1x-5x | 20,000 points | Apply Nowon Citibank's application on Citibank's application |
| Hilton Honors American Express Card Apply Nowon American Express' website on American Express' website | Best for No annual fee + Hilton points | $0 | 3x-7x | 70,000 Points + Free Night Reward | Apply Nowon American Express' website on American Express' website |
 Bilt Blue CardApply Nowon Bilt's website on Bilt's website | Best for No annual fee + points on rent | $0 | Up to 1.25x | $100 Bilt Cash | Apply Nowon Bilt's website on Bilt's website |
| Delta SkyMiles® Blue American Express Card Apply Nowon American Express' website on American Express' website | Best for No annual fee + Delta miles | $0 | 1x-2x | 10,000 miles | Apply Nowon American Express' website on American Express' website |
| American Airlines AAdvantage® MileUp® Card Apply Nowon Citibank's application on Citibank's application | Best for No annual fee + American Airlines miles | $0 | 1x-2x | 15,000 Miles + $100 Statement Credit | Apply Nowon Citibank's application on Citibank's application |
 United Gateway℠ CardApply Nowon Chase's website on Chase's website | Best for No annual fee + United miles | $0 | 1x-2x | Up to 50,000 Miles | Apply Nowon Chase's website on Chase's website |
 Marriott Bonvoy Bold® Credit CardApply Nowon Chase's website on Chase's website | Best for No annual fee + Marriott points | $0 | 1x-14x | 45,000 points | Apply Nowon Chase's website on Chase's website |
