During times of financial uncertainty, it's wise to review your credit card portfolio and consider no-annual-fee alternatives. Here's a comprehensive guide to no-fee credit cards from major issuers:

American Express

• Membership Rewards: The Blue Business® Plus Credit Card (business only) - Earns 2x points on first $50,000 spent annually
• Hilton Honors Card: Earns 7x points at Hilton, 5x at U.S. restaurants/supermarkets/gas stations, 3x on other purchases
• Delta SkyMiles® Blue Card: 2x miles on restaurants and Delta purchases

Bank of America

• Travel Rewards: 1.5 points per dollar on all purchases
• Customized Cash Rewards: 3% on choice category, 2% at grocery stores/wholesale clubs, 1% elsewhere

Capital One

• VentureOne Rewards: 1.25 miles per dollar, 5x on hotels/cars through Capital One Travel
• Spark Miles Select for Business: 1.5 miles per dollar, 5x on hotels/cars through Capital One Travel

Chase Ultimate Rewards Personal Cards:

• Freedom Flex: 5x points in rotating quarterly categories
• Freedom Unlimited: 5% on Chase travel, 3% on dining/drugstores, 1.5% on everything else

Business Cards:

• Ink Business Cash: 5x on office supplies/phone/cable, 2x at gas stations/restaurants
• Ink Business Unlimited: 1.5x points on all purchases

Co-Branded Options:

• IHG One Rewards Traveler Card: Fourth night free on award stays
• Marriott Bonvoy Bold: 15 elite night credits annually, up to 14x points on Marriott purchases

Citi

• Rewards+: 2x points at supermarkets/gas stations (up to $6,000/year)
• Double Cash: 2% on all purchases (1% when buying, 1% when paying)
• American Airlines AAdvantage MileUp: 2x at grocery stores and on AA purchases

Important Considerations:

1. Point expiration varies by issuer
2. Transfer points before closing cards
3. Downgrading may affect welcome bonus eligibility
4. Consider credit score impact before canceling cards

Related Articles

Previous Articles