HomeFinanceBest American Express Cards With No Annual Fee

Best American Express Cards With No Annual Fee

Sometimes it pays to pay an annual price. Cards that cost yearly charges usually include rewards and advantages that may offset the associated fee. But there are various worthwhile playing cards that you simply received’t pay something to hold, and that include advantages and perks, as effectively.

Here are prime American Express playing cards with no annual charges.

Top American Express playing cards that don’t cost annual charges

Cash again playing cards

Blue Cash Everyday® Card from American Express

American Express Blue Cash Everyday Credit Card
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Introductory bonus: Earn as much as $250 in assertion credit: Earn 20% again on Amazon.com purchases on the Card within the first 6 months of Card membership, as much as $150 again. Plus, earn $100 again after you spend $2,000 in purchases in your new Card throughout the first 6 months of card membership. You will obtain money again within the type of assertion credit. Terms Apply.

  • 3% again at U.S. supermarkets on as much as $6,000 spent per yr, then 1%.

  • 2% again at U.S. gasoline stations and choose U.S. malls.

  • 1% again on all different purchases.

If groceries and gasoline are two essential spending classes for you, the Blue Cash Everyday® Card from American Express will help you rack up rewards in these classes with out having to cough up a hefty price. The card earns elevated charges on spending at each U.S. supermarkets and U.S. gasoline stations, and comes with an honest welcome bonus along with that includes a 0% intro APR supply: 0% intro APR on Purchases for 15 months, after which the continuing APR of 13.99% – 23.99% Variable APR. For an American Express card with no annual price, that’s loads of rewards to rack up, particularly within the first yr of cardholding.

The card’s premium sibling, the Blue Cash Preferred® Card from American Express, gives extra aggressive rewards charges in those self same classes: Holders earn 6% money again at U.S. supermarkets on as much as $6,000 a yr in spending, then 1%. They get 6% again on choose U.S. streaming subscriptions, 3% again at U.S. gasoline stations and on transit, and 1% money again on all different purchases. Terms apply (see charges and charges). But these rewards include a worth: The card expenses an annual price of $0 intro for the primary yr, then $95.

American Express Cash Magnet® Card

Introductory bonus: Earn a $150 assertion credit score after you spend $1,000 or extra in purchases together with your new Card throughout the first 3 months of Card Membership. Terms apply.

The American Express Cash Magnet® Card earns an trade normal of 1.5% money again on all purchases. Compared with different no-annual-fee, 1.5% cash-back playing cards, this one stands out for its beneficial options that not all playing cards in its class supply. The card comes with a welcome bonus and an introductory 0% APR interval: 0% intro APR on Purchases for 15 months, after which the continuing APR of 13.99% – 23.99% Variable APR. Terms apply. The main knock in opposition to the American Express Cash Magnet® Card, nevertheless, is that there are a rising variety of no-annual-fee playing cards from different issuers that earn a flat 2% money again on all purchases.

Membership Rewards playing cards

Amex EveryDay® Credit Card

Introductory bonus: Earn 10,000 Membership Rewards Points after you employ your new Card to make $1,000 in purchases in your first 3 months. Terms Apply.

  • 2 Membership Rewards factors per $1 spent at U.S. supermarkets on as much as $6,000 a yr in spending, then 1 level per $1.

  • 2 factors per $1 on eligible journey purchases booked by way of amextravel.com.

  • 1 level per $1 on all different purchases.

The Amex EveryDay® Credit Card is the extra primary, $0-annual-fee model of its premium cousin, the The Amex EveryDay® Preferred Credit Card from American Express. The card earns Membership Rewards factors for U.S. grocery store spending, in addition to on journey purchases made by way of amextravel.com, which might be redeemed for quite a lot of choices together with journey, money and reward playing cards. Membership Rewards factors don’t expire, and there isn’t any cap on the quantity you’ll be able to earn.

The card additionally gives a 20% factors bonus for every billing interval that you simply use the cardboard no less than 20 occasions, which implies you’ll be able to doubtlessly earn as much as 2.4% again for bonus class spending. Terms apply.

Blue from American Express®

Introductory Bonus: None.

  • 1 Membership Rewards level per $1 spent.

The Blue from American Express® bank card earns beneficial Membership Rewards factors that may be redeemed for numerous issues, together with journey, money again and items playing cards. Membership Rewards factors can be transferred to airline and resort companions. Holders of Blue from American Express® can earn 1 level for each $1 they spend, which is lower than the trade normal of 1.5% money again. Terms apply. There are after all no-annual-fee playing cards that earn greater rewards charges, however this card could be a respectable choice if you happen to worth a easy approach to earn base rewards with out having to fret about extra prices — particularly when paired with a tiered or rotating bonus rewards card.

Co-branded journey playing cards

Delta SkyMiles® Blue American Express Card

Blue Delta SkyMiles® Credit Card from American Express"
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Introductory Bonus: Earn 10,000 bonus miles after you spend $500 in purchases in your new Card in your first 3 months. Terms Apply.

  • 2 miles per $1 spent on eligible purchases made instantly with Delta.

  • 2 miles per $1 spent at eating places.

  • 1 mile per $1 spent on all different eligible purchases.

The Delta SkyMiles® Blue American Express Card doesn’t supply the most important journey perks that different co-branded Delta playing cards from the issuer do, however holders of this card will get to skip out on the hefty charges related to these premier playing cards. The $0-annual-fee card works finest for many who are loyal to Delta and don’t journey typically, however who nonetheless worth elevated rewards after they do. In addition to incomes double miles for Delta purchases, cardholders get double miles for restaurant spending worldwide. Plus, cardholders are rewarded for Delta in-flight spending: They obtain 20% in financial savings within the type of an announcement credit score after they use the cardboard on eligible in-flight purchases, together with meals, drinks and audio headsets. Terms apply.

Hilton Honors American Express Card

American Express Hilton HonorsTM Card from American Express Credit Card
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Introductory Bonus: Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card within the first 3 months of Card Membership. Plus, you’ll be able to earn an extra 50,000 Hilton Honors Bonus Points after you spend a complete of $5,000 in purchases on the Card within the first 6 months. Terms Apply.

  • 7 Hilton Honors bonus factors per $1 spent on eligible purchases with a resort or resort throughout the Hilton portfolio.

  • 5 factors per $1 spent on purchases at U.S. eating places, U.S. supermarkets and U.S. gasoline stations.

  • 3 factors per $1 spent on all different eligible purchases.

For an annual price of $0, the Hilton Honors American Express Card gives profitable rewards for many who worth Hilton perks. The co-branded card earns bonus charges on eligible Hilton purchases in addition to at U.S. eating places, U.S. supermarkets and U.S. gasoline stations. While the cardboard lacks a few of the advantages that different playing cards within the resort model’s household of playing cards supply, the Hilton Honors American Express Card is the one Hilton-branded bank card from American Express that expenses no annual price.

Cardholders may also get computerized Silver standing, which comes with a slew of perks together with a 20% enhance on all Hilton Honors base factors earned on Hilton stays. Terms apply.

Business playing cards

American Express additionally gives numerous enterprise bank cards that don’t cost annual charges and that may present enterprise homeowners with rewards and advantages for his or her spending. Here are the highest choices.

  • American Express Blue Business Cash™ Card: The $0-annual-fee card earns 2% money again on eligible purchases (on as much as $50,000 per calendar yr, then 1%). Cash again earned with the cardboard is mechanically added as assertion credit score in your account. This could be a comfort for enterprise homeowners preferring a streamlined approach to redeem rewards. Plus, cardholders get a 12-month introductory 0% APR interval on purchases, and are eligible for the next welcome bonus: Earn a $250 assertion credit score after you make $3,000 in purchases in your Card in your first 3 months. Terms Apply. (see charges and charges).

  • Amazon Business American Express Card: Business homeowners who frequent Amazon can profit from the retailer’s American Express branded card. Cardholders have the choice of incomes 3% again on U.S purchases at Amazon.com, Amazon Business, Amazon Web Services and Whole Foods Market (on the primary $120,000 spent every calendar yr, after which 1% after that), or a 60-day time period of no curiosity. The card earns 2% again at U.S. eating places, U.S. gasoline stations and eligible wi-fi telephone providers bought instantly from U.S. service suppliers. All different purchases earn 1% again. Redemption choices are beneficial for Amazon loyalists: Rewards are earned within the type of Amazon rewards factors that may be redeemed for an announcement credit score or for purchases at Amazon.com and thru Amazon Business. Terms apply (see charges and charges).

  • Amazon Business Prime American Express Card: This co-branded enterprise card is the higher-end model of the Amazon Business American Express Card. Cardholders get superior rewards charges and advantages: 5% again on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market (on the primary $120,000 spent every calendar yr, after which 1% after that), or a 90-day time period of no curiosity; 2% again at U.S. eating places, U.S. gasoline stations and eligible wi-fi telephone providers bought instantly from U.S. service suppliers; 1% again on all different spending. Unlike its extra primary sibling, this card requires an Amazon Prime or Business Prime membership. Amazon Prime memberships begin at $119 per yr, and Business Prime memberships begin at $69 per yr. Terms apply (see charges and charges).

To view charges and charges of the Blue Cash Everyday® Card from American Express, see this web page. To view charges and charges of the Blue Cash Preferred® Card from American Express, see this web page. To view charges and charges of the Delta SkyMiles® Blue American Express Card, see this web page. To view charges and charges of the Hilton Honors American Express Card, see this web page. To view charges and charges of the American Express Blue Business Cash™ Card, see this web page. To view charges and charges of The Blue Business® Plus Credit Card from American Express, see this web page. To view charges and charges of the Amazon Business American Express Card, see this web page. To view charges and charges of the Amazon Business Prime American Express Card, see this web page.

All details about the American Express Cash Magnet® Card has been collected independently by NerdWallet. The American Express Cash Magnet® Card is now not out there by way of NerdWallet.  All details about the Amex EveryDay® Credit Card has been collected independently by NerdWallet. The Amex EveryDay® Credit Card is now not out there by way of NerdWallet. All details about the Blue from American Express® Card has been collected independently by NerdWallet. The Blue from American Express® Card is now not out there by way of NerdWallet.

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