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Top American Express credit cards with no annual fee

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

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: American Express Cash Magnet™ Card

  • Earn up to $250 back. Here’s how: 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.
  • Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% cash back on your purchases.
  • Cash back is received in the form of reward dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan ItSM, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the US started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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Compare American Express credit cards with no annual fee

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.74% to 26.74% variable
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
$0
17.74% to 26.74% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn 10,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months.
$0
25.99% variable
Earn rewards with no annual fee.

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Best American Express credit cards with no annual fee

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

American Express Cash Magnet™ Card

  • Earn up to $250 back. Here’s how: 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.
  • Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% cash back on your purchases.
  • Cash back is received in the form of reward dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan ItSM, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the US started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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The American Express Cash Magnet™ Card Cash Magnet™ Card is a simple credit card with unlimited cash back on everything you buy. It also comes with a generous welcome offer that you can earn by spending at least $625 each month.

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

Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
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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

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
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For Hilton regulars and occasional guests, the Hilton Honors American Express Card Hilton Honors 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.

Best for airline rewards: Blue Delta SkyMiles® Credit Card from American Express

Blue Delta SkyMiles® Credit Card from American Express

  • Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% in-flight savings in the form of a statement credit after you use your card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees
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The Blue Delta SkyMiles® Credit Card from American Express Blue Delta SkyMiles® Credit Card is unique in two ways — it’s the only Delta card without an annual fee, and the only Delta card that earns double miles on restaurant purchases. This makes the card ideal for both the occasional Delta flyer and the hardcore Delta flyer who wants to earn more miles. If you’re the latter, use this card at restaurants and your other Delta card for everything else.

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.

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

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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Important Information*
Deserve® Classic Card
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APR

24.49
variable

Annual fee

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More info
Luxury Card Mastercard® Gold Card™
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Indigo® Platinum Mastercard® Credit Card
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