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These Are the Best Travel Credit Cards with No Annual Fee

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If you travel regularly, there's no reason for you to miss out on all the rewards and perks offered by travel credit cards—and there are hundreds of options available to travelers today.

But because of annual fees, many of these cards won't be economical for people with low to moderate monthly budgets. We scoured our list of cards to find the best travel credit cards with no annual fee, so you can earn miles without worrying about whether you're earning enough to justify your credit card account.

Recommended Cards

Best ForCredit Needed
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® CardRewardsGood/Excellent
Discover it® Miles
Discover it® MilesGeneral SpendingGood/Excellent
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for BusinessBusiness TravelGood/Excellent
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit CardHotelsGood/Excellent

Continue reading to learn about the terms and benefits of each no-fee credit card. You can also head to our tool at the bottom of the page to compare how each card works for your budget.

Best No Annual Fee Travel Credit Card for Rewards

The Wells Fargo Propel American Express® Card is one of the best credit cards for travel with no annual fee, due to its high rewards rate for a broad range of spending categories. ()

3x Points

The Wells Fargo Propel American Express® Card offers one of the highest rewards rates of any no-fee credit card for gas station, restaurant and travel spending. You'll earn 3 points for every dollar you spend in these categories, including hotel reservations, vehicle rentals and ridesharing services. All spending outside of bonus categories will earn you 1 point per $1 spent.

Sign-Up Bonus

Currently, Wells Fargo is offering a solid 30,000-point welcome bonus after you spend $3,000 with the card within the first three months of opening your account. These points can be redeemed for a $300 travel credit.

For rates and fees of the Wells Fargo Propel American Express® Card, please click .

Best No Annual Fee Travel Credit Card for General Spending

The Discover it® Miles is a great no-fee travel credit card for general spending.

Decent Rewards

Although it doesn't match the rewards offered by the Wells Fargo Propel American Express® Card, the Discover it® Miles offers a decent 1.5 miles for every $1 you spend, regardless of the spending category or how much you spend. This may appeal to people who don't think they'll spend as much in the categories outlined by other cards.

This is also a higher rewards rate than the card's cash-back counterpart, the Discover it® Cash Back card, which yields just 1% back for general spending. However, the Discover it® Cash Back also offers quarterly 5% cash-back categories, so you have the potential to earn more with the cash-back card.

Double Your Miles

At the end of your first year, Discover will double all of the miles you've earned over the course of the year, meaning your effective rewards rate for the first 12 months is actually 3 miles per $1 spent. For example, if you spend $1,000 each month to earn 18,000 miles by the end of year one, Discover will credit your account with 18,000 bonus miles, which can be redeemed for a $180 credit—all in addition to the miles you've already earned.

Best No Annual Fee Travel Credit Card for Businesses

The Capital One® Spark® Miles Select for Business is a solid no-fee travel card for small businesses. However, you should compare it with other Capital One business credit cards to find the most flexible option for your needs.

Rewards Rates

With the Capital One® Spark® Miles Select for Business, you'll earn 1.5 miles for every dollar you spend, regardless of spending categories. This enables your company to earn decent rewards while building your business credit score.

However, if you're interested in a Capital One business card, you should consider the Capital One® Spark® Cash Select for Business, which offers the same rewards rate with more flexible redemption options.

Sign-Up Bonus

If you spend $3,000 within three months of opening your account, you'll receive a 20,000-point sign-up bonus, worth a $200 credit toward travel purchases. This is a pretty good introductory bonus, but only if you think you'll spend enough to earn the reward.

Best No Annual Fee Travel Credit Card for Hotel Points

The Capital One® VentureOne® Rewards Credit Card is a subpar travel card when it comes to general spending. However, if you take advantage of its hotel program, you can earn excellent rewards.

Low Rewards Rate—Except for Hotels

The Capital One® VentureOne® Rewards Credit Card will earn you a low 1.25 miles per $1 spent on travel, transportation and vacation expenses, making it one of the poorer offers on this page. If you want a Capital One card with a higher rewards rate, you'd be better off going with the Capital One® Quicksilver® Cash Rewards Credit Card, which will earn you the standard 1.5% rewards rate on all spending.

However, there is one area where the Capital One® VentureOne® Rewards Credit Card excels: hotel reservations. If you use your card to book hotel reservations through hotels.com/Venture, you can earn a staggering 10 miles per $1 spent. So if you anticipate a lot of road trips and hotel stays in your near future, this is a card to consider.

Welcome Offer

The Capital One® VentureOne® Rewards Credit Card offers a very attainable welcome offer. If you spend more than $1,000 within three months of opening your account, Capital One will credit your account with 20,000 bonus miles, which can be redeemed for a $200 travel credit.

Credit Card Comparison Tool

Anyone searching for travel credit cards with no annual fee should base their decision on their monthly spending habits. This comparison tool will help you do that. Click edit on the right-hand side of the tool and input your estimated monthly expenses, then see how each card will perform for you over the next two years.

These Are the Best Travel Credit Cards with No Annual Fee Credit CardsWells Fargo Propel American Express® CardDiscover it MilesDiscover itBank of America® Travel Rewards credit cardcapital one spark miles select for businesscapital one spark cash select for businessCapital One® VentureOne® Rewards Credit CardCapital One® Quicksilver® Cash Rewards Credit Card false false false Alternate

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