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- A travel card, which is what you asked for
- No annual fee
- Earns in American AAdvantage
This card is for people who fly American now and then and want to collect AAdvantage miles without paying a fee. It earns 2 miles per $1 at grocery stores and on eligible American Airlines purchases, 1 mile on everything else, and 25% off inflight food and drinks. New cardmembers get a $100 statement credit plus 15,000 bonus miles after $500 in purchases in the first 3 months. The caveat: purchases abroad carry a 3% foreign transaction fee, which is awkward on an airline card.
- A travel card, which is what you asked for
- No annual fee
- Earns in Bilt Rewards
This card is for renters and homeowners who want their biggest monthly bill to earn rewards. Housing payments earn up to 1.25 points per $1 with no transaction fee, and on-time rent payments are reported to credit bureaus free. Dining at Bilt partner restaurants earns up to 4x, and Bilt Travel Portal hotels and flights up to 3x. The caveat: outside partners and housing, everyday spend earns 1 point per $1.
- A travel card, which is what you asked for
- No annual fee
- Earns in Delta SkyMiles
This card suits people who fly Delta a few times a year and do not want to pay an annual fee. It earns 2X miles on purchases made directly with Delta and at restaurants, and 1X on everything else. There is no annual fee and no foreign transaction fee. The caveat: no free checked bag, no priority boarding and no lounge access, which is where the Gold card starts to pay for itself.
This card fits travelers who stay at Hilton brands a few times a year and want no annual fee. It earns 7X points at Hilton properties and 5X at U.S. restaurants, U.S. supermarkets and U.S. gas stations. Hilton Honors Silver status is included. Hilton points run lower in value than flexible currencies, so the card rewards Hilton stays more than general spending.
The Traveler brings IHG's most useful redemption perk, the fourth reward night free, to a card with no annual fee. It earns 5X at IHG hotels, 3X on dining, utilities, select streaming services and gas stations, and 2X on everything else. Silver Elite status is automatic, Gold arrives after $20,000 in annual purchases, and $10,000 in yearly spend adds 10,000 bonus points. There is no anniversary free night at this tier.
The Bold is the keep-forever Marriott card. It earns 3X points per $1 at Bonvoy hotels, up to 14X in total with member and elite earnings, and 2X on a set of everyday categories including groceries, rideshare, select food delivery, select streaming and internet, cable and phone services. There is no annual fee and no foreign transaction fee. It has no anniversary free night, so heavier Marriott guests usually step up to the Boundless.
The Earner fits road trippers and value travelers who sleep at Days Inn, La Quinta, Super 8 and other Hotels by Wyndham. It earns 5X points at Wyndham hotels and 3X on dining, grocery stores, gas and EV charging. Gold member level comes automatically, and cardmembers redeem 10% fewer points for go free awards. There is no annual fee; the anniversary bonus of 7,500 points requires $15,000 in yearly spend.
This card is for people who fly American a few times a year. It earns 2X miles on American Airlines purchases, restaurants and gas stations, and the free first checked bag can pay for the card in two round trips. The annual fee is $0 the first year, then $99. The caveat: outside its bonus categories it earns 1X, so it works best paired with an everyday card.
This card is for people who fly Delta a few times a year and check a bag. It earns 2X miles on Delta purchases, at restaurants and at U.S. supermarkets, and 1X elsewhere. The annual fee is $0 for the first year, then $150. The caveat: the $120 rideshare credit only starts after your first renewal, and the $200 flight credit needs $10,000 of spend in a calendar year.
The starter card for United flyers. You get a free first checked bag, priority boarding, two United Club one-time passes a year and up to 60,000 bonus miles. The first year costs $0, then $150. The partner statement credits can outweigh the fee, but only if you actually use Instacart, rideshare and United's hotel portal.
Built for regular Hilton guests who also want strong everyday earning. Gold status raises what stays earn, and up to $50 in Hilton statement credits each quarter can cover most of the $150 annual fee. Spending unlocks more: a Free Night Reward at $15,000 and Diamond status at $40,000 in a calendar year. The credits require Hilton purchases, so value depends on actual stays.
This card is for travelers who fly Alaska Airlines or Hawaiian Airlines at least once a year. The yearly $99 Companion Fare alone can cover the $95 annual fee many times over. Earning is 3 points per $1 with the airlines and 2 points per $1 on gas, EV charging, cable, streaming and local transit. One caveat: outside those categories the card earns just 1 point per $1.
