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Best American Express credit cards with no annual fee

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

Updated . What changed?

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Our pick for an Amex card with no annual fee: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 20%

Cash back

  • Two welcome offers worth up to $300 combined
  • Everyday cash back on groceries, gas and at select department stores
  • No annual fee
Apply now
See rates & fees
Of the entire American Express consumer lineup, six cards do not have annual fees. Despite not having an annual fee, these cards may still let you earn rewards, earn a generous welcome offer, or let you benefit from a long intro APR period. Here’s how these no-annual-fee cards stack up and how to make the best choice for you.

Best for unlimited cash back
American Express Cash Magnet® Card

American Express Cash Magnet® Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (680-850)
Apply now
on American Express's secure site
Rates & fees

680
Min. credit score
$0
Annual fee
Up to 1.5%
Cash back
$150
Welcome offer
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 purchases can sweeten the deal if you're looking to save money on interest. Included with the card are standard Amex perks, including global assistance, car rental insurance and more.
  • Flat 1.5% cash back. Earn 1.5% cash back in reward dollars on all of your purchases. Reward dollars can be redeemed for statement credit, gift cards and merchandise.
  • Welcome offer. Spend $1,000 on purchases during the first 3 months from your account opening and earn $150 in statement credit.
  • Intro APR period. Enjoy a 0% intro APR period on purchases for 15 months following your account opening. After the intro period passes, your rate reverts to a variable APR of 13.99% to 23.99%.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $150 after spending $1,000 in the first 3 months
Rewards 1.5% cash back on all purchases

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

Blue Cash Everyday® Card from American Express logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 20%
Cash back
$100
Welcome offer
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.
  • Up to 3% cash back. Earn 3% cash back at US supermarkets on up to $6,000 in purchases annually, after which the rate drops to 1%. Earn 2% back at eligible US gas stations and select US department stores. On all other purchases, earn 1% back.
  • Welcome offer. Earn $100 cash back when you spend $1,000 in your first 6 months of account opening. Also earn 20% back on Amazon.com purchases, up to $200 total within your first 6 months.
  • Intro APR period. Get a 15 months period following your account opening of interest-free purchases. After that, a variable APR from 13.99% to 23.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer 20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
Rewards 20% at Amazon.com up to $200 back in the first 6 months, 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

Best for hotels
Hilton Honors American Express Card

Hilton Honors American Express Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 7x
Points
80,000
Points welcome offer
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.
  • Hilton Honors Bonus Points. Earn 7x points on purchases at hotels and resorts from the Hilton portfolio, 5x points at US restaurants, US gas stations and US supermarkets, and 3x points on all other purchases.
  • 80,000-point welcome offer. Earn 80,000 Hilton Honors Bonus Points once you spend $1,000 on purchases within 3 months of your account opening. With a single point worth about 0.5 cents, that's around $375 in value.
  • Complimentary Silver status. With the Silver status, you earn 20% more points on Hilton stays, plus you get the fifth reward night free. If you spend $20,000 annually with this card, you'll upgrade to Gold status through the end of the next year.
  • No foreign transaction fees. You can take this card along on your travels without worrying about paying extra when buying abroad. This is a standard feature among travel cards.
  • Up to 5x miles. Earn 5x miles on purchases at restaurants and purchases made with Delta. For everything else you buy, earn 3x miles. Redeem miles for flights, gift cards, excursions, shopping and more.
  • 80,000-mile welcome offer. Spend $1,000 on purchases in the first 3 months of account opening and get 80,000 bonus miles. Depending on what you redeem your miles for, your welcome offers could be worth between $35 and $200.
  • In-flight savings. Save 20% in the form of statement credit on all of your on-board Delta purchases of food, beverages and headsets.
Annual Fee $0
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 80,000 points after spending $1,000 in the first 3 months
Rewards 7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Best for airline rewards
Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card logo
Finder Rating: 3.6 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2x
Miles
10,000
Miles welcome offer
The Delta SkyMiles® Blue American Express Card is an entry-level Delta credit card with few Delta perks, but solid rewards for the lack of annual fee, including a welcome offer worth 10,000 miles.
  • Earn miles. Earn 2x miles on Delta and dining purchases. Earn 1x miles on all other purchases.
  • Welcome offer. Earn 10,000 miles after spending $500 during your first 3 months of account opening.
  • In-flight savings. Get 20% back on in-flight purchases, including food, beverages and audio headsets.
  • No intro APR. You won't find an intro APR on purchases or balance transfers with this card.
  • Few perks. As an entry-level card, you won't find as many Delta benefits as you would with higher-tier Delta offering.
Annual Fee $0
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 10,000 miles after spending $500 in the first 3 months
Rewards 2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases

Best for simple rewards
Blue from American Express® Card

Blue from American Express® Card logo
Finder Rating: 2.6 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2x
Points
n/a
Welcome offer
The Blue from American Express® Card is a straight-forward rewards card that keeps things nice and simple. It earns 2x points on travel and 1x points on everything else.
  • Earn points. Earn x points on travel purchases booked through American Express Travel. Earn 1x points on all other purchases.
  • Travel insurance. This card comes with travel accident insurance, and roadside and global assistance.
  • No welcome offer. This card simply earns rewards and has no welcome offer to kickstart your point collection.
  • Foreign transaction fees. You'll pay 2.7% on foreign transactions, which is uncommon for a travel card.
Annual Fee $0
Purchase APR 23.99% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 2x points on Amex Travel and 1x points on all other purchases.
Please note: All information about Blue from American Express® Card has been collected independently by Finder and this card is no longer available through this site.

Best for simple rewards
Amex EveryDay® Credit Card

Amex EveryDay® Credit Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2x
Points
15,000
Points welcome offer
Similar to The Blue from American Express, the Amex EveryDay® Credit Card is a simple rewards card, focusing on groceries rather than travel. It also features an intro APR on purchases, which is rare for a no-annual-fee card.
  • Earn points. Earn 2x points on grocery store purchases on up to $6,000 annually, reverting to 1x points. Earn 1x points on all other purchases.
  • Welcome offer. Earn 15,000 points after spending $1,500 within your first 3 months of account opening. Intro APR. Enjoy a 0% intro APR on purchases for 15 months following account opening, reverting to 12.99% to 23.99% variable.
  • Foreign transaction fees. You'll pay 2.7% on foreign transactions, which is uncommon for a travel card.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 12.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer 15,000 points after spending $1,500 in your first 3 months
Rewards 2x points at US supermarkets on up to $6,000 per year then 1x points after that and on all other purchases
Please note: All information about Amex EveryDay® Credit Card has been collected independently by Finder and this card is not available through this site.

How to choose American Express credit cards with no annual fee

American Express has a solid variety of credit cards without an annual fee, though they’re all quite specialized from one another. To choose the right one, ask yourself the following questions:

  • Do 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.
  • Do you primarily spend 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 purchases.
  • Do you want a hotel card? 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.
  • Do you want an airline card?. 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.
  • Do you want an intro APR?. An intro APR on purchases is handy if you have some big upcoming purchases on the way and you want to avoid interest. The Amex EveryDay Credit Card is your go-to in this case..

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.

Both the American Express Cash Magnet® Card and Blue Cash Everyday® Card from American Express lost their intro APRs on balance transfers. Also, at the time of this writing, neither card offers balance transfers at all to new applicants. These are clear downgrades, though they may not matter much if you never planned on making transfers anyway.

What is the average annual fee for American Express cards?

Of the Amex cards that feature annual fees, a majority of them lay in the $200 range. Though like most credit cards, the price you pay on a credit card’s annual fee typically correlates to the number of perks and benefits you can expect to come with the card. Here’s an example of the types of perks offered with a low-cost and high-cost card.

Annual fee Card Perks
$95 Blue Cash Preferred Card from American Express
  • Complimentary ShopRunner membership
  • 6% back at US supermarkets on up to $6,000 in purchases each year, and 1% after that. 6% back on select streaming services. 3% back at gas stations and transit purchases.
  • 1% back on all other purchases
$550 The Platinum Card from American Express
  • 60,000 point welcome offer after you spend $5,000 in purchases in your first three months
  • $200 annual airline fee credit. $200 in annual Uber Cash. $100 annual Saks Fifth Avenue credit. $100 Global Entry/TSA PreCheck application fee credit every four years
  • Complimentary access to Centurion Lounge
  • Gold status in Marriott Bonvoy and Hilton Honors loyalty programs
  • Concierge service
  • And more

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.

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