Airline Credit Cards with No Annual Fee
Some airline credit cards have high annual fees. If you pay an annual fee you may earn air miles faster (e.g., one air mile per dollar you spend), and the card will offer other special perks and bonuses. Even though, everyone stills wants a free fee credit card. After all, why should you pay for something you can get for free? So, a wise choice is to look for an airline credit card that offers the best of both worlds.
When choosing, be careful about two things: 1) applying for no annual fee airline credit cards needs good credit record; 2) frequently, "no fee" simply means it is waived for only the first year.
Here is a list of no annual fee airline credit cards, so you can easily compare and choose one you prefer most of all.
Capital One No Hassle Miles(SM) Rewards
The Capital One No Hassle Miles(SM) Rewards card for people with good/excellent credit is by far one of the best and least costly airline reward cards available. Through the reward program, cardholders earn 1.25 miles per dollar spent on all purchases. Miles are redeemable for flights on any airline with no blackout dates, cash, merchandise, and gift certificates. Miles can also be donated to participating charities.
Good Points:
- No annual fee
- Provide common platinum benefits such as emergency roadside assistance, extended warranties for purchases, and travel accident insurance
Bad Points:
- An above average interest rate for purchases and balance transfers
See Card website for additional terms and conditions.
Discover Miles Card
Discover Miles Card allows you to earn 2 Miles for each dollar you spend on your first $5,000 in combined gas and travel purchases each year. For purchases in excess of $5,000, each dollar spent on purchases on all other business ones earns the owner 1 mile.
This card doesn't have any limits on the miles you can accumulate and the miles accumulated never expire. The miles can be redeemed for gifts, for cash or you can credit them back into your account.
- 12,000 Bonus Miles -- 1,000 Miles each month you make a purchase the first year
- 0% Intro APR -- Balance transfers for 12 months for customers with excellent credit
- 0 Purchase APR -- For 6 months, as low as 10.99% variable APR thereafter based on your credit history
- No Annual Fee -- Unlimited Miles with no annual fee
See Card website for additional terms and conditions.
Delta SkyMiles Credit Card from American Express
Delta adds 10,000 SkyMiles after your first purchase for first-timers. The annual fee is waived the first year, and $40 thereafter if you have a qualifying American Express Consumer Charge Card. If not, the annual fee is $95. Beware: If you get an "options" card, there is no annual fee, but it takes $2 to earn each mile.
Good Points:
- Accepted on 13 international carriers, including Air France, Air Jamaica and Singapore Airlines
- 10,000 bonus miles after first purchase
- Another 10,000 bonus miles after you spend $5,000
- An additional 5,000 bonus miles if you add two new employees to your account
Bad Points:
- An earning limit of $60,000 of eligible spending per year
See Card website for additional terms and conditions.
Citi® Bronze/AAdvantage World MasterCard
The Citi Bronze/AAdvantage World MasterCard is designed for those with average credit who travel regularly on American Airlines.
The Bronze card differs from the others as it has no annual fee and offers no extraordinary benefits or services to cardholders aside from the reward program. It is important to note that although the card has no annual fee, the mileage awarded is about half of what is normally provided by an airline reward card.
Good Points:
- No blackout dates for reward travel and a chance to earn lots of bonus points.
Bad Points:
- APR for purchases is above average for a reward card
- A minimum cap of 19.99% for cash advances
- Starting with year two, you pay an annual fee of $85
See Card website for additional terms and conditions.
First National Visa Signature with Maximum Rewards
This offering from First National Omaha awards one point for every U.S. dollar spent. There is now no annual fee and you get 5,000 bonus points the first time the card is used. There is no-interest introductory APR for up to six months, then 9.99% after that.
Good Points:
- Airfare rewards start at 16,000 points
- No caps on mile earnings
- No-interest introductory APR for up to six months
Bad Points:
- Points that expire five years after they are earned
See Card website for additional terms and conditions.
Chase Flexible Rewards Platinum Visa® Card
As part of the reward program, this card allows you to transfer points into Continental Onepass Miles. You can transfer at a rate of 10,000 points for 12,000 OnePass Miles. Since the card has no annual fee and you earn one point for every dollar you spend on the card, that is equivalent to earning slightly less than one miles for every dollar you spend.
Good Points:
- Allow you to convert miles to United Mileage Plus and British Airways Miles
Bad Points:
- With this card, you can only choose to redeem points for Continental Airlines tickets
See Card website for additional terms and conditions.
