Airline credit cards with no annual fee | finder.com
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Airline credit cards with no annual fee

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Earn miles for your next trip from everyday spending.

An airline credit card can offer rewards like money off flights and seat upgrades. For many, you’ll pay an annual fee to reap these benefits, however there are some that waive the fee the first year, or don’t charge one at all. This can save you anywhere from $70 to $450 a year.

Compare airline credit cards with no annual fee

These airline credit cards either boast no annual fee or have a waived annual fee for the first year.

Name Product Filter values Rewards Purchase APR Annual Fee
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% 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
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
2x miles at restaurants, on hotel stays and purchases from United and 1x miles on all other purchases
18.24% to 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
2% back on airline tickets purchased from United® and 1.5% on all other purchases
18.24% to 25.24% variable
$0
$150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.
3x points on JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases
18.24%, 22.24% or 27.24% variable
$0
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.

Compare up to 4 providers

What’s the deal with no-annual-fee airline credit cards?

No-annual-fee airline cards

Airline credit cards allow you to earn miles or points to transfer to an airline program. And the money you save on airfare and travel isn’t squandered with a pesky annual fee.

$0 annual fee in the first year

Some airline credit cards will offer to waive the standard annual fee during the first year as part of an introductory offer. After the first 12 months, you’ll be charged a standard annual fee for the account.

These cards typically have higher signup bonuses and additional features compared to a no-annual-fee airline card.

No annual fee

There’s also a small selection of airline credit cards that offer no annual fee for cardholders. However, these cards often lack in extra features, such as lounge access or free checked bags. It’s also less common these airline cards to have introductory bonus point offers.

But if you get one of these cards and pay the balance off each month, it does give you a way to earn airline miles per $1 spent without paying fees.

Is a no-annual-fee airline credit card right for me?

If you travel and are looking for discounts on flights, no-annual-fee airline cards are a great place to start. With no fees, you can get a good idea of how often you’ll get these bonuses and be able to use them for flights. Some cards set expiration dates on miles earned, so you can test the waters to see if you spend enough to use the miles before they expire.

However, if you’re a big spender and travel often, you may want a card with more travel benefits. These cards often come with an annual fee for more points and a higher spending limit.

How can I compare airline credit cards with no annual fee?

Consider these features when you’re looking for a credit card that earns airline miles and has no annual fee.

  • Annual fee details. Check the fine print to see how long the $0 annual fee lasts — you may be on the hook for fees after the first year.
  • Bonus miles. See if the card you’re looking at offers introductory bonus miles, and if you can meet the spending threshold to earn them.
  • Miles per dollar. Determine the value of your spending. Many no-annual-fee cards offer 1x miles, while some offer 2x miles on certain categories. Check over the details to determine if you spend enough in each category.
  • Interest rates. Try to pay off your balance monthly, as these types of airline credit cards can have high interest rates. Paying fees can offset any miles you’ve earned.
  • Additional cardholders. Boost your airline point balance by sharing the account with a partner or family member. Check if the card charges for additional card holders.
  • Complimentary extras. Weigh any perks, such as complimentary insurance, lounge passes or annual travel credit. If the card offers a $0 annual fee in the first year, also consider whether these benefits will outweigh the cost of the standard annual fee once it applies.

What's next?

If you’re interested in an airline credit card with no annual fee, start by comparing different options. You can also compare a wider range of airline credit cards if miles are your priority, or look at other no-annual-fee cards if your goal is to save on account costs.

Frequently asked questions about no-annual-fee airline credit cards

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