We all know credit card bonuses are the best. If you have a good credit score, you can reward yourself with a charge of miles or bonus points in exchange for using a bank’s credit card. Turn them into flights, hotel stays, and you’ve got a nice little paid vacation.
And while many of these cards offer huge welcome bonuses, some have some nice perks too.
The trick is to find the right cards. One factor that may put you off is that many of the best card offers also have annual fees. They may give you 100,000 miles, but then add an annual fee of $95 or $295.
If you like the card or use their partner a lot, as may be the case with airlines or hotels, then keeping the card can make a lot of sense. Maybe the card gives you a higher status with the airline or hotel. Maybe that puts you in front of the queue when checking in.
But what if you’re just anti-annual fee? I know a lot of people who are against paying fees on principle. I get that 100%.
Well, if you’re looking for a credit card with a great bonus and no annual fee, here’s the list you want to see:
- Marriott Bonvoy Bold Card – 50,000 bonus points
- Hilton Honors American Express Card – 70,000 Hilton Honors Points plus a free bonus night
- Wells Fargo active charge card – $200
- US Bank Altitude Go Visa Signature Card – 20,000 Bonus Points (Worth $200)
- Chase Freedom Flex – $200
- Capital One Quicksilver Cash Rewards Credit Card – $200 Cash Back
- TD Bank Cash Card – $150 cash back
- Capital One SavorOne Cash Rewards – $200 Cash Back
- American Express Blue Cash Everyday® Card – $200
- Blue Cash Preferred® from American Express – $300 Statement Credit*
NOTE: The cards at the top of this list do not charge an annual fee. Some of the cards near the to finish listed (with asterisks in the header) do not offer an annual fee the first year but charge one thereafter. I wanted to include them in the list because the offers are strong but I put them towards the end because only the first year is free of charge.
Marriott Bonvoy Bold Card – 50,000 bonus points
The Marriott Bonvoy Bold Card offers a great bonus after spending $1,000 on purchases within the first 3 months of account opening.
You also get bonus categories where you earn more than the standard 1X – earn up to 14X points total for every $1 spent at over 7,000 Marriott Bonvoy participating hotels and 2X points on other purchases from travel.
Best of all, the annual fee is $0. It’s rare to see a travel card that doesn’t offer a promotional annual fee that increases in the second year. Excellent offer.
👉 Learn more about Marriott Bonvoy Bold
Hilton Honors American Express Card – 70,000 Hilton Honors Points plus a free bonus night
If you’re staying at Hilton hotels (or related properties), you might want to check out the Hilton Honors American Express Card. You can earn 70,000 Hilton Honors Points plus a free night after spending $1,000 on purchases in the first 3 months of card membership. Terms apply.
The annual fee is $0 and the card gives you Hilton Honors Silver status for free. If you spend $20,000 in qualifying purchases on the card in a calendar year, you earn Hilton Honors Gold status through the end of the following year. (See Rates and Fees)
That’s on top of that cash back schedule – 7X points per dollar spent at a Hilton portfolio hotel or resort, 65 at restaurants, supermarkets and gas stations in the US; and 3X on all other qualifying purchases
Learn more about the Hilton Honors American Express Card
Wells Fargo active charge card – $200
The Wells Fargo Active Cash Card is a pretty simple cash back card that offers a bonus that isn’t hard to get – get $200 after spending $1,000 on purchases in the first 3 months.
The best part about it is that this card also has all the makings of a daily use card as you get 2% unlimited cash rewards on no limit purchases.
As is the case with others on this list, $0 annual fee.
Learn more about this card (and others)
US Bank Altitude Go Visa Signature Card – 20,000 Bonus Points (Worth $200)
The US Bank Altitude Connect Visa Signature Card offers a welcome bonus of 20,000 bonus points (worth $200) spent on $1,000 in the first 90 days.
You also get 4X points on dining, takeout and restaurant delivery; 2X points at grocery stores, grocery delivery, streaming services, gas stations and electric vehicle charging stations; plus 1X on all other qualifying purchases. Finally, there’s even a $15 credit for annual streaming service purchases (Netflix, Apple TV+, Spotify, etc.).
Not bad for a card with a $0 annual fee. 🙂
Learn more about this card (and others)
Chase Freedom Flex – $200
The Chase Freedom Flex Card offers $200 after $500 in purchases in the first 3 months.
This is in addition to a generous cashback program – you earn 1% on all other purchases.
Plus, you get 5% cash back on up to $1,500 in combined purchases across bonus categories each quarter (must be activated) and 5% on Chase trips purchased through Ultimate Rewards, 3% on restaurants and pharmacies.
All of this is available to you with a $0 annual fee. I can’t beat this price.
👉 Learn more about Chase Freedom Flex
Capital One Quicksilver Cash Rewards Credit Card – $200 Cash Back
The Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back after spending $500 on purchases within 3 months of account opening.
If you’re wondering if this is the card you’ll continue to use after the bonus, the answer is probably yes.
Indeed, you also get 1.5% cash back on every purchase with no limit, which is solid for a daily user. Best of all, there are no rotating categories to activate, no need to choose which card to use, just a solid rate from the jump.
As you’d expect, $0 annual fee.
>> Learn more about this card (and others)
TD Bank Cash Card – $150 cash back
The TD Bank Cash Card offers $150 cash back when you spend $500 within 90 days of account opening. Rarely do you get such a large bonus when you only spend $500.
It also offers 3% cash back on dining, 2% cash back on groceries, and 1% on everything else[-soit’sastrongdailyusecard[–that’sitsstrongdailyusecard[-c’estdoncunecarteàusagequotidiensolide[–soit’sastrongdailyusecard
It has an annual fee of $0.
Learn more about the TD Bank Cash Card
Capital One SavorOne Cash Rewards – $200 Cash Back
Capital One SavorOne cash rewards are for people who like to dine out, so the repayment schedule favors this type of spending. But first, you can get $200 cash back after spending $500 on purchases in the first three months.
In terms of cashback, you can earn unlimited 3% cashback on restaurants, entertainment, popular streaming services, and at grocery stores. You earn an unlimited 1% on everything else – nothing to activate too, you get it all year round.
This is a card that has a $0 annual fee to get started!
Learn more about this card and others
American Express Blue Cash Everyday® Card – $200
The Blue Cash Everyday card from American Express is a $0 annual fee card that offers $200 after spending $2,000 on purchases in the first 6 months.
Plus, you earn a generous 3% cashback at US supermarkets (up to $6,000/year, then 1%), 2% at US gas stations and select US department stores, then 1% on other purchases. You earn money in the form of “reward dollars” that can be redeemed for statement credits. Terms apply.
Learn more about Blue Cash Everyday from American Express
Blue Cash Preferred® from American Express – $300 Statement Credit*
Blue Cash Preferred from American Express has an exciting offer – earn $300 statement credit after spending $3,000 on purchases in the first 6 months.
The card also has an excellent cash back structure: 6% on supermarkets up to $6,000 per year in purchases (then 1%), 3% cash back at US gas stations and on transport by public transport (including taxis/carpooling, parking, tolls, trains, buses and others). Finally, 1% cash back on other purchases. Terms apply.
There is an annual introductory fee of $95, $0 for one year. That’s why such a good offer is listed towards the end.
(See Rates and Fees)
Learn more about Blue Cash Preferred from American Express
To view rates and fees for the featured American Express cards, please visit the following links: Hilton Honors American Express Card: See rates and fees. American Express Blue Cash Everyday(R) Card: See rates and fees. Blue Cash Preferred(R) Card from American Express: See rates and fees.