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Top American Express credit cards with no annual fee
Choose between flat cash back on every purchase, accelerated rewards on groceries and travel perks.
American Express offers a variety of credit cards with no annual fee, and all let you earn rewards. With some cards, you can even earn a generous welcome offer or benefit from a long intro APR period. And each card includes hallmark Amex perks like a global assist hotline, car rental insurance and extended warranties.
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Compare American Express credit cards with no annual fee
Best American Express credit cards with no annual fee
Best for unlimited cash back: American Express Cash Magnet® Card
Best for rewards on groceries and gas: Blue Cash Everyday® Card from American Express
Best for hotels: Hilton Honors American Express Card
How to compare American Express credit cards with no annual fee
American Express has one of the largest selections of credit cards without an annual fee. To choose the right one, consider:
- If you want unlimited cash back on everything you buy. The American Express Cash Magnet® Card could be a great choice if you don’t spend a lot on any particular category of purchases. That way, you earn a flat, unlimited amount of cash back on everything you buy.
- If you spend a lot on groceries. Get accelerated cash back at US supermarkets, US gas stations and select US department stores with the Blue Cash Everyday® Card from American Express. Also, get a decent welcome offer and one of the longest intro APR periods on balance transfers and purchases.
- If you often stay at Hilton hotels. With the Hilton Honors American Express Card, you get to earn high points on Hilton purchases and at US restaurants, US gas stations and US supermarkets. Plus, you get a generous welcome offer and a complimentary Silver status.
- If you fly Delta. If you’re a frequent or an occasional Delta flyer, you could benefit from the double miles earned at restaurants with the Delta SkyMiles® Blue American Express Card.
How we selected our top cards
We looked at a few factors to rate no-annual-fee American Express cards. Comparisons were based on factors such as available intro APRs, reward points or cash back earned per dollar spent, redemption categories and point values, travel perks and any other added benefits. The cards we chose performed exceptionally well in a particular area, warranting a spot on our list.
What’s changed in 2020
The Delta SkyMiles® Blue American Express Card earned a spot on our list this year. As the only Delta card without an annual fee and strong rewards opportunities, this versatile card is great for frequent and occasional Delta flyers alike.
Due to the variety of American Express credit cards with no annual fee, finding the right card is relatively easy. You can choose between flat cash back on all purchases, accelerated cash back on groceries and gas, rewards and benefits at Hilton hotels or rewards and benefits on Delta flights.
But if you think that none of these cards are quite what you’re looking for, consider comparing other no-annual-fee credit card options.
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