Top American Express credit cards with no annual fee

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

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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	View details	Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees	Compare	loading Fetching your data...
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	View details	Unlimited 1.5% cash back. Rates & fees	Compare	loading Fetching your data...
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	View details	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	Compare	loading Fetching your data...
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	View details	Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...

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Best American Express credit cards with no annual fee

Best for unlimited cash back: 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.

• The perks

  • 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 (see rates & fees) period on balance transfers and purchases for 15 months following your account opening. After the intro period passes, your rate reverts to a variable APR of 12.99% to 23.99%.

Best for rewards on groceries and gas: 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.

• The perks

  • 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.
  • $150 welcome offer. Spend $1,000 on purchases during your first 3 months of account opening and get a $150 bonus as statement credit.
  • Intro APR period. Get a 15 months (see rates & fees) period following your account opening of interest-free purchases and balance transfers. After that, a variable APR from 12.99% to 23.99% applies.

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.

• The perks

  • 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.
  • 75,000-point welcome offer. Earn75,000 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 (see rates & 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 2x miles. Earn 2x miles on purchases at restaurants and purchases made with Delta. For everything else you buy, earn 1x miles. Redeem miles for flights, gift cards, excursions, shopping and more.
  • 10,000-mile welcome offer. Spend $500 on purchases in the first 3 months of account opening and get 10,000 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.

American Express credit cards with no foreign transaction fee

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

• Which of these cards is best for international travel?

  The Hilton Honors Card has no foreign transaction fees, which makes it the best choice out of these four no-annual-fee American Express cards.

• If I get the penalty APR, how do I remove it?

  American Express reviews your account every six months. You have to make timely payments of at least the minimum amounts due and have no returned payments during the six months to potentially get the penalty APR reverted.

• Is there a minimum to redeem cash back?

  Yes. The minimum for cashback redemption is $25 in reward dollars.