If you are an avid traveler or just planning to travel in the near future, then you will be able to save so much with the best travel credit card no annual fee – but how do you find such a card? If you have no previous experience, choosing a travel credit card for a trip or vacation is a bit difficult because different types of credit card companies and banks offer different benefits like cash back, travel insurance, waived annual fees, airline miles, and welcome bonus.
One of the biggest decisions someone making a trip will make is choosing their travel credit card. When you figure out what is actually helpful for your trip then you can easily choose a travel credit card. This blog article breaks down several different travel cards from banks and credit unions, explaining what features they offer so that you can easily make your decision.
7 Best Travel Credit Card With No Annual Fee
Take time to find out what kind of credit card fits your personality, interests, and goals for the trip. You may need a card with cash-back or travel rewards but if you really want or need a specific credit card, it can be hard to find one that is exclusively for travel expenses. We listed 7 different types of travel credit cards with no annual fee so you can figure out which is the best card for your specific needs and finally make your trip plans!
1. Bank of America® Travel Rewards credit card
If you’re looking for a travel credit card with no annual fee, the Bank of America® Travel Rewards credit card is a good choice. This card offers loyal customers rewards based on how much they spend on travel-related activities. You can also earn 25,000 online bonus points for purchases of $1000 in the first 3 months and miles on different travel expenses. This card is also most popular for no foreign transaction fee credit card, so you can avoid high costs when traveling abroad.
The Bank of America® Travel Rewards credit card has several other features that make it a good choice for travelers. The card also provides protection against theft, which is important if you’re vacationing in an unfamiliar city. In addition, the rates are very low compared to most other travel credit cards. So, whether you’re traveling for business or pleasure, the Bank of America® Travel Rewards credit card is a great option.
- No annual fee
- No foreign transaction fee
- 0% Intro APR for your first 15 billing cycles
- No bonus or cash back category
- Need a good or excellent credit score to apply
2. Discover it® Miles Travel Credit Card
One of the great features of Discover it® Miles is that it has no annual fee. This means you can keep the card and use it every year, without having to pay an annual penalty and you can also use this best high-limit credit card for your business. Additionally, Discover it® Miles offers great rewards for those who use it for travel. For every dollar you spend on travel expenses, you will earn 1.5% back in rewards. This is one of the most generous rewards programs available, and you can easily rack up a lot of benefits by using this card for your travel expenses.
- No annual fee
- No foreign transaction fee
- Travel purchases do not add in additional rewards
- Need a good or excellent credit score to apply
- Travel purchases are not added for additional rewards
3. Capital One VentureOne Rewards Credit Card
If you’re looking for a travel credit card without an annual fee, the Capital One VentureOne Rewards Credit Card is your best option. This card offers a number of valuable benefits, including a lucrative sign-up bonus and discounts on airport parking and hotel rooms. Plus, you can use your card to make purchases at more than 700 partner businesses, so you’ll always be able to find discounts and deals when you travel.
The Capital One VentureOne Rewards Credit Card also has a low APR and no annual fees. This means that you’ll save money on interest charges each month. In addition, this card comes with automatic travel insurance, which covers trip cancellation, interruption, and loss. So if something unfortunate happens while you’re traveling, you can be assured of easy access to financial support.
Overall, the Capital One VentureOne Rewards Credit Card is a great choice for anyone looking for a travel credit card that doesn’t have an annual fee. Its low APR and numerous benefits make it an excellent choice for travelers of all budgets.
- No annual fee
- No foreign transaction fee
- Travel accident insurance
- Regular APR variable 15.24% to 25.24%
- Low reward rate
4. Chase Freedom Flex℠
Chase Freedom Flex℠ is one of the best travel credit cards with no annual fee and is also popular for high cash back bonuses. You will get $200 cash back when you spend $500 in the first 3 months plus 5% cash back on gas station purchases up to $6000 spent This card offers great benefits for frequent travelers, including no foreign transaction fees.
The Chase Freedom Flex℠ credit card has 0% intro APR for the first 15 months and offers great benefits for frequent travelers, also you will get trip cancellation insurance. One of the most important benefits of this card is that it allows you to easily manage your finances while traveling. You can use it to pay for your expenses while you’re traveling, and it has an easy online checkout process.
- Cash back rewards do not expire
- Trip cancellation insurance
- Travel accident insurance
- Charge a 3% foreign transaction fee
5. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is another one of the best travel credit cards on the market. It has no annual fee and offers excellent rewards for frequent travelers. When you spent $1000 in the first 3 months you will $200 cash reward bonus. One of the best features of this card is an unlimited 2% cash reward on purchases.
The Wells Fargo Active Cash® Card also has a variety of other benefits that make it a great choice for travel. For example, it has 24/7 customer services for your travel, and dining and also comes with unlimited liability insurance. It also offers theft protection and purchase protection.
If you’re looking for a card that offers excellent benefits without any annual fees, the Wells Fargo Active Cash® Card is definitely worth considering.
- No categories to track your purchases
- High welcome bonus
- No annual fee
- Charge a 3% foreign transaction fee
6. United Gateway℠ Card
If you are looking for a travel credit card that does not charge an annual fee, you should consider the United Gateway℠ Card. This card has no additional fees and offers great rewards for everyday spending. This card offers 20,000 bonus miles for $1000 qualifying purchases in the first 3 months. At United purchases at gas stations and your local transit and commuting, you will get 2X bonus miles.
The United Gateway℠ Credit Card has one of the best rewards programs in the industry. Every time you make a purchase, you earn points that can be redeemed for cash or travel-related rewards. You also have access to exclusive members-only benefits, such as waived foreign transaction fees and early welcome with your new card.
Overall, the United Gateway℠ Card is a great choice if you are looking for a travel credit card that doesn’t charge an annual fee. Its rewards program is top-notch and its lack of added fees makes it a great value for everyday spending.
- High bonus miles
- No annual fee
- No foreign transaction fee
- No cash back offer
- Need a good/excellent credit score
7. Hilton Honors American Express Card
Hilton Honors American Express Card deserves to be among the best travel credit card with no annual fee, and no foreign transaction fee. This card offers a variety of benefits, including rewards points that can be used to purchase goods and services. You also have access to free airport lounge access and travel insurance.
You can use your Hilton Honors American Express Card to pay for hotels, airfare, car rentals, and other travel expenses. You also get up to 7X on your purchases in different categories, which is an excellent incentive to use this card for your travel expenses. Finally, there is no foreign transaction fee with this card.
- Offer high bonus points
- No annual fee
- No foreign transaction fee
- No cash back offer
- Need a good/excellent credit score
What You Should Consider To Choose The Best Travel Credit Card No Annual Fee?
When it comes to choosing the best travel credit card with no annual fee, there are a few things you should consider. First, you will want to think about your spending habits. Do you generally spend a lot of money on travel each year? If so, a card with an annual fee may not be the best option for you.
Alternatively, if you aren’t always in the market for new items or see yourself traveling frequently but don’t want to worry about hefty fees each year, a card without an annual fee may be perfect for you. You will also want to factor in your credit score when considering a travel credit card with no annual fee.
A higher credit score will get you a lower interest rate on your purchase, while cards with bad ratings may have harsh penalties if you exceed your spending limit. If you don’t have a good or excellent credit score to get a travel credit card then the second chance credit card is the best alternative for you
Ultimately, it’s important to do your research and find the best travel credit card for your individual needs. With a little thought and effort, you can avoid any unnecessary fees and enjoy hassle-free trips wherever your travels take you!
How Do No-Annual-Fee Travel Cards Work?
No-annual-fee cards are a great option if you plan on traveling frequently. They work by charging a small amount of interest on your card every month, but they don’t charge an annual fee. This means that you won’t have to worry about paying an annual fee or dealing with high-interest rates each year.
Another great benefit of no-annual-fee cards is that you can use them to withdraw cash from ATMs worldwide without fees. This is a great option if you need to take cash with you when you travel. You won’t have to worry about international bank fees either – most no-annual-fee cards also offer chip and PIN functionality, so you can use them in countries where traditional bank accounts are not widely accepted.
What Credit Score Do I Need To Get A No Annual Fee Travel Card?
To get a travel credit card with no annual fee, you’ll need a good credit score. A good credit score will help you qualify for a card with no annual fee and make the payments on the card easier.
There are several factors that contribute to your credit score, including your debt-to-income ratio, your history of paying your bills on time, and the amount of credit you have available. You can get a free copy of your credit report from each of the three major credit bureaus every year. This report will give you an overview of your financial history and allow you to improve your score if necessary.
If you’re planning on traveling soon, it’s important to start building your credit now. A good travel credit card with no annual fee can make it easier to finance your trip and avoid expensive interest charges later on.
Is It Worth Getting a Travel Card Credit Card With No-Annual-Fee?
A lot of people are wondering if it’s worth getting a travel credit card with no annual fee. There are a few things to consider before deciding if this is the right option for you.
One factor to consider is how much you’re likely to use the card. Some people only use their cards for small purchases, while others use them for all their expenses while on vacation. If you fall into the latter category, getting a card with no annual fee could be worth it.
Another thing to consider is whether you have good credit. A travel credit card with no annual fee usually requires excellent credit, which means that you’re unlikely to get approved if your score isn’t high enough. If this is a concern for you, it might be better to get a different type of card that has lower approval rates.
Overall, it’s important to weigh all the factors before deciding if getting a travel credit card with no annual fee is the right decision for you.
Bottom Line
Hope you read the article and have an idea about all the best travel credit cards with no annual fee. Now you have to choose the right credit card for your travel and which card will provide you with a better offer. But before you choose any credit card, read their terms or the final print carefully, otherwise, you may have to pay hidden charges.
