Top American Express credit cards with no annual fee

Choose between flat cash back on every purchase, accelerated rewards on groceries and travel perks.

Last updated:

Picture not described

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

There’s a variety of American Express credit cards with no annual fee, and they all let you earn rewards. With some cards, you can even earn a generous welcome offer or benefit from a long intro APR period. But each card gets you an assortment of Amex perks that can include global assist hotline, car rental insurance, extended warranties and more.

Our pick for a no annual fee Amex card

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Read less
Read more
See Rates & Fees
Promoted

Compare American Express credit cards with no annual fee

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. All information about this card has been collected independently by Finder. Rates & fees
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. All information about this card has been collected independently by Finder. Rates & fees
2x points at US supermarkets on up to $6,000 per year then 1x points after that and on all other purchases
0% intro for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 15,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months.

Compare up to 4 providers

Jump to …

Best American Express credit cards with no annual fee

Best for unlimited cash back: American Express Cash Magnet® Card

Please note: All information about American Express Cash Magnet® Card has been collected independently by Finder and this card is no longer available through this site.
American Express Cash Magnet® Card
The American Express Cash Magnet® Card is a simple credit card with unlimited cash back on everything you buy.

The long intro APR period on balance transfers and purchases can sweeten the deal if you’re looking to save money on interest. Included with the card are standard Amex perks, including roadside and global assistance, travel accident insurance, car rental insurance and more.

Best for rewards on groceries and gas: Blue Cash Everyday® Card from American Express

Please note: All information about Blue Cash Everyday® Card from American Express has been collected independently by Finder and this card is no longer available through this site.
Blue Cash Everyday® Card from American Express
Families that spend heavily on groceries and gas could find the Blue Cash Everyday® Card from American Express a worthwhile addition to their wallets. It lets you earn accelerated cash back on these categories, and it has a decent welcome offer. Also, if you’re looking to consolidate your debt, the long intro APR period could help.

Best for hotels: Hilton Honors American Express Card

For Hilton regulars and occasional guests, the Hilton Honors American Express Card could be worth considering. It’s the only American Express hotel card with no annual fee, but that doesn’t mean it’s lacking. On the contrary, you earn a high number of Hilton Bonus Points on Hilton purchases — plus you’ll earn accelerated Hilton Bonus Points at restaurants, gas stations and supermarkets in the US.

In addition, you get a generous welcome offer and a complimentary Silver status, which lets you earn more points on your Hilton stays.

American Express credit cards with no foreign transaction fee

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 Blue Delta SkyMiles® Credit Card from American Express.

American Express Cash Magnet® Card vs Blue Cash Everyday® Card from American Express

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 2019

The Blue Delta SkyMiles® Credit Card from American Express 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.

Bottom line

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.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site