Top 5 “No-Fee” Credit Cards for Travel
Many people reject the idea of paying an annual fee to a credit card. I would like to convince you that the rates are not all bad, especially if you get a great value for a fee of $95. But if you want to jump into the world of “Travel Points” without paying a fee, think of one of the best cards without a fee.
Technically, I will continue to suggest that you obtain a letter from Chase Sapphire Preferred as your first letter. It is an introductory rate of $ 0 for the first year, so there is no problem. You will have 12 months to determine if you want to pay the fees. But if you want to start with something really free, here are some of the best credit cards you can get:
Unlimited Chase Freedom
The Chase Unlimited card is one of the best credit cards without fees if you are new to this hobby. The card usually has a $ 150 registration bonus (equivalent to 15,000 reward points in reality) and earns 1.5 Maximum Rewards points (UR) on all purchases.
If you have a Sapphire Preferred, Ink Preferred, Sapphire Reserve, you can transfer these points to one of these cards and then to your travel partners. You can also use it to book your trip directly through the Chase Travel Portal. If you do not have a Premium Card, you can simply use it for your cash.
Points have a much higher value when you replace them for travel, which is one of the reasons why I suggest getting a Preferred Chase credit card. But if you are irresponsible, Chase Freedom Unlimited is an appropriate card.
American Express EveryDay
The American Express Everyday card stands out as one of the best credit cards without displacement that really earns a transferable point. It usually comes with a reward of 10,000 points after spending $ 1000, but sometimes you can find the highest bid. Obviously, getting a higher reward is great because you can only get it once because of the unique bonus that Amex offers.
American Express EveryDay earns 2 points per dollar in supermarkets up to $ 6,000 per year of spending. You get 1x on all other purchases. However, if you make at least 20 purchases in the billing cycle, you will receive a 20% bonus on your points. This is equivalent to 2.4 points for every dollar spent on purchases in supermarkets, which is very good.
If you spend a lot in supermarkets, EveryDay Preferred may be the best option. But it has a fee.
Like Chase Freedom Chase Freedom, it has 5 points of profit per dollar in the quarterly categories. You get 1 point on all other purchases. Seasonal categories are limited to $ 1,500, which means you can get up to 7,500 UR points in the bonus price per quarter.
Once again, the final rewards earned from a Chase Freedom card can only be used to travel if you have one of the distinctive cards. You can also transfer them to someone’s account in your home if you are a user based on a premium card.
Although the Citi DoubleCash card is not specifically a travel card, it is a card that you should consider adding to your wallet. The card does not offer a subscription bonus, but offers an unlimited cash offer of 2% on all purchases. Dividends are divided: 1% in the purchase, 1% in the payment. The rewards come to your account at the end of each statement cycle.
Often, when I cannot select a travel card to spend in a category without a bonus, I will simply extract DoubleCash. Difficult to exceed 2% of cash refunds (although SPG American Express also receives some love, but * has a fee).
Which of the best free credit cards should you get first?
Among the best credit cards without charge, the only card with which you can earn flexible points is the American Express EveryDay transferable card. It is one of the cards I suggest getting and keeping, especially if you consider that American Express is “once in a lifetime” for the rewards your credit card receives.
However, the best option may not be a first card for two reasons.
- First, you may want to get Chase cards first because of the Chase rule 5/24.
- Second, Freedom or Freedom Unlimited will provide you with better long-term value if you get a premium Chase card.
I will repeat that the Chase cards must be associated with a premium card to obtain the total value of the points. Otherwise, you only look at them as cash cards. If you spend a lot in supermarkets, EveryDay Preferred may be the best option. But it has a fee.