Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Top American Express credit cards with no annual fee

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

Updated

Fact checked

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.

See offers for cards from other brands

CardMatch™ from creditcards.com

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
Read less
Read more
See Rates & Fees

Compare American Express credit cards with no annual fee

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
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 12.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 12.99% to 23.99% variable)
$0
Unlimited 1.5% cash back. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% 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
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% 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
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
loading

Compare up to 4 providers

Best American Express credit cards with no annual fee

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

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 global assistance, 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
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
 

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 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.

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

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 finder.com 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