Best no annual fee travel credit cards

1. 1
   

   Wells Fargo

   Wells Fargo Autograph Card

   3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans · 1X points on other purchases

   Worth about $636 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $528/ yearAnnual fee $0
2. 2
   

   Citi

   Citi Strata Card

   5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com · 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category

   Worth about $564 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $528/ yearAnnual fee $0
3. 3
   

   Barclays

   AARP Travel Rewards Mastercard

   3% Cash Back on Airfare, Hotel Stays and Car Rentals · 2% Cash Back on eligible Restaurant purchases

   Worth about $540 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $432/ yearAnnual fee $0
4. 4
   

   Bank of America

   Bank of America Travel Rewards Credit Card

   1.5 points per $1 on everyday purchases

   Worth about $522 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $468/ yearAnnual fee $0
5. 5
   

   Discover

   Discover it Miles Credit Card

   1.5x miles on travel purchases and all your everyday purchases

   Worth about $522 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $468/ yearAnnual fee $0
6. 6
   

   Barclays

   JetBlue Card

   3X points on eligible JetBlue purchases · 2X points at restaurants and eligible grocery stores

   Worth about $502 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $462/ yearAnnual fee $0
7. 7
   

   Citi

   AT&T Points Plus Card

   3 ThankYou® Points per $1 at gas and EV charging stations · 2 ThankYou® Points per $1 at grocery stores and on AT&T products and services

   Worth about $456 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $420/ yearAnnual fee $0
8. 8
   U.S. Bank Altitude Connect Visa Signature Card

   U.S. Bank

   U.S. Bank Altitude Connect Visa Signature Card

   5X points on prepaid hotels and car rentals booked directly in the Travel Center · 4X points on travel and gas stations/EV charging stations (on the first $1,000 each quarter)

   Worth about $456 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $420/ yearAnnual fee $0
9. 9
   

   Citi

   American Airlines AAdvantage MileUp Card

   2 AAdvantage® miles for every dollar spent at grocery stores and on eligible American Airlines purchases, and 1 AAdvantage® mile for every dollar spent on all other purchases

   Worth about $449 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

   $409/ yearAnnual fee $0
10. 10
    

    Barclays

    Wyndham Rewards Earner Card

    5 points per $1 spent on eligible purchases made at Hotels by Wyndham · 2 points per $1 spent on dining, grocery store purchases, and gas purchases

    Worth about $444 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $415/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

• Cash back
• Travel
• No annual fee
• Dining
• Groceries
• Gas
• No foreign fee
• Premium
• No-fee cash back
• No-fee dining
• No-fee groceries
• Balance transfer
• Students
• Business
• Fair credit

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.