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If you think you have to pay credit card annual fees to earn transferable points, we have good news for you. Many banks offer no-annual-fee cards that earn valuable, transferable points. We've sorted them by bank, comparing and contrasting the benefits of each one.
These are the best no-annual-fee credit cards for earning transferable rewards.
Page Contents
Overview of No-Annual-Fee Cards With Transferable Rewards
| Card Name | Type of Rewards Earned | Number of Transfer Partners |
|---|---|---|
| Amex EveryDay® Credit Card | Amex Membership Rewards | 21 |
| The Blue Business® Plus Credit Card from American Express (Rates & Fees) | Amex Membership Rewards | 21 |
| The Bilt Mastercard® | Bilt Rewards | 21 |
| Capital One VentureOne Rewards Credit Card | Capital One miles | 19 |
| Capital One Savor Cash Rewards Credit Card | Capital One miles | 19 (must pair with a miles-earning card) |
| Chase Freedom Flex℠ | Chase Ultimate Rewards | 14 (must pair with another card) |
| Chase Freedom Unlimited® | Chase Ultimate Rewards | 14 (must pair with another card) |
| Marriott Bonvoy Bold® Credit Card | Marriott Bonvoy points | 39 |
| Citi Rewards+® Card | Citi ThankYou® Points | 3 (21 if paired with another Citi card) |
| Citi Double Cash® Card | Citi ThankYou® Points | 3 (21 if paired with another Citi card) |
| Citi Custom Cash® Card | Citi ThankYou® Points | 21 (must pair with another card) |
Related: What Are the Best Flexible Rewards Points for Free Travel?
American Express
Transferring American Express Membership Rewards to airline transfer partners provides some of their best value, including the popular ANA round-the-world redemption. There are two cards earning these points without annual fees.
Amex EveryDay® Credit Card
Highlights of the Amex EveryDay include:
- 20% more points by making at least 20 purchases in one month.
- 2x Membership Rewards at U.S. Supermarkets (up to $6,000 annually, then 1x) and 1x points on other purchases.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x)
- 1x points on other purchases
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
If you swipe for groceries at U.S. supermarkets 20 times each month, this may be a card to consider.
Related: Amex EveryDay Card full review
The Blue Business® Plus Credit Card from American Express
Key features of the Blue Business Plus include:
- 2x Membership Rewards on the first $50,000 spent annually; 1x on purchases after that.
- Expanded buying power offers wiggle room beyond the set credit limit.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- Rates & Fees
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
While Expanded Buying Power doesn't mean there's no credit limit, it does mean Amex gives individual consideration based on card use, payment and credit history, and other factors.
Related: Amex Blue Business Plus full review
Capital One
Capital One miles come in handy for airline and hotel partner transfers, including these North American sweet spots. The first card earns miles directly; the second earns cash back, though there's an option for turning these earnings into miles.
Capital One VentureOne Rewards Credit Card
The Capital One VentureOne is the introductory card in the Venture Card family, but it still provides access to the same transfer partners as its more expensive siblings. Highlights include:
- 5x miles on hotels and rental cars booked with Capital One Travel.
- 1.25x miles on all other purchases.
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 19.24% - 29.24% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 1.25 Miles per dollar on every purchase, every day.
You don't need to hold a Capital One card with an annual fee to transfer miles from the Capital One VentureOne to all 19 airline and hotel partners. In addition, while not the best redemption value, you can use your miles as a credit against travel purchases made in the past 90 days.
Related: Capital One VentureOne full review
Capital One Savor Cash Rewards Credit Card
Similar to the Spark Cash cards, the Capital One Savor Cash earns cash back; however, if you have a card that earns Capital One miles, you can combine your cash back with miles to access transfer partners. Other perks of this card include:
- Unlimited 3% back on dining and entertainment.
- Unlimited 8% cash back on purchases made via the Capital One Entertainment ticketing platform.
- Through Capital One Travel, earn 5% cash back on hotels and rental cars.
- $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% on all other purchases
- No foreign transaction fees
- $0 annual fee
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
If you spend a lot on entertainment, this may be the card for you. Paired with the right Venture or Spark card, you'll have the power to turn cash back into Capital One miles for use with transfer partners.
Related: Capital One Savor Cash full review
Chase
Chase offers numerous credit cards, and Ultimate Rewards transfer partners can be incredibly valuable. However, Chase has one of the strictest credit card application rules in its 5/24 policy, so ensure you understand that before applying for either of these cards.
With the cards below, you can redeem earnings as cash back or in the travel portal at face value. However, to access transfer partners, you'll need a card with an annual fee to pair with these cards, and then you can combine your Chase rewards.
Chase Freedom Flex℠
The key highlight of the Freedom Flex is its rotating 5x categories, but there's more to this card than just that:
- 5% back on the first $1,500 of quarterly spending in rotating bonus categories.
- 5% back on travel in the Chase TravelSM portal.
- 3% back at drugstores and restaurants, including takeout and eligible delivery services.
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
Moreover, this is a World Elite Mastercard, and you'll get cellphone insurance when paying your monthly bill with this card.
Chase Freedom Unlimited®
The Freedom Unlimited pairs well with other cards to provide a solid return on everyday spending. As mentioned above, you'll need to pair this card with one that has an annual fee to access transfer partners, but you'll enjoy the following benefits:
- 5% cash back on bookings through Chase Travel
- 3% cash back at drugstores and restaurants, including takeout and eligible delivery services.
- 1.5% on all other purchases on other purchases.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Related: Chase Freedom Unlimited full review
Marriott Bold Card
Surprise: You can transfer Marriott points to nearly 40 different airline partners, with most at a 3:1 ratio, up to 240,000 points per day. Thus, the Bonvoy Bold is a no-annual-fee card with points transfers, also offering the following benefits:
- 5 annual Elite Night Credits qualifying cardholder and automatic Marriott Silver Elite status.
- 3X Bonvoy points per $1 spent at Marriott Bonvoy hotels, 2X points for every $1 spent on other travel purchases, and 1 point per $1 on all other purchases.
- 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
- 2X points on other travel purchases (from airfare to taxis and trains)
- 1X point on all other purchases
Visa Signature benefits also come with the card, including baggage delay insurance, lost luggage reimbursement, trip delay coverage, and purchase protection.
Related: Marriott Bonvoy Bold full review
Citi
Many Citi ThankYou Points travel partners overlap with other banks, including Choice Privileges (Amex and Capital One also transfer to Choice). However, Citi points transfer to Choice 2:1, making this a sweet spot for your Citi points.
As you consider the following cards, remember that you won't be approved for more than one Citi card in an eight-day period or more than two Citi cards in a 65-day period.
Citi Rewards+® Card
- Earn 5x booking hotels, car rentals, and attractions booked with Citi TravelSM through December 31, 2025.
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
- 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
- 1X points on all other purchases
- Automatically rounds up to the nearest 10 points on every purchase - with no cap
Cardholders enjoy unlimited automatic rounding up to the nearest 10 points on every purchase, plus 10% points back on the first 100,000 points redeemed annually. While you need to pair this card with a premium card like the Citi Strata Premier℠ Card for access to all 21 of Citi's transfer partners, enjoy three limited transfer partners with this card alone. Transfer to JetBlue TrueBlue (1:0.8), Choice Privileges (1:1.5), and Wyndham Rewards (1:0.8).
Related: Citi Rewards+ Card full review
Citi Double Cash® Card
The Citi Double Cash also offers a limited range of transfer partners on its own, plus access to more transfer partners if paired with a premium card. It's also one of the best credit cards for everyday spending.
- 2% cash back on all purchases (1% when you buy plus 1% as you pay).
- 5% total cash back on select Citi Travel bookings through December 31, 2025.
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 2% cash back on every purchase - 1% when you buy + 1% when you pay
- 0% intro APR on balance transfers for 18 months. After that, the (Variable) APR will be 18.24% - 28.24% based on your creditworthiness
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- No annual fee
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
The Citi Double Cash enjoys the same three limited transfer partners (JetBlue, Choice, and Wyndham) at the same ratios as the . Unlock the rest of the travel partners at better rations with the Citi Strata Premier℠ Card or Citi Prestige® Card (no longer open to new applicants).
Related: Citi Double Cash Card full review
Citi Custom Cash® Card
While the Citi Custom Cash is marketed as earning cash back, the rewards are actually provided as ThankYou Points. However, you won't access any transfer partners with this card alone.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Earning rates adjust to your spending automatically.
- Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou® Points
- 5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle
- No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.
- Excellent intro APR offer on purchases and balance transfers
- No annual fee
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
- 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
You'll need to pair this card with a premium Citi card to access any transfer partners. Possible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, and more. While this card is a World Elite Mastercard like the Freedom Flex, it doesn't offer the full range of benefits like cellphone insurance, Lyft, DoorDash, or Fandango perks.
Related: Citi Custom Cash full review
Wells Fargo
Wells Fargo has transfer partners on its own card products, and it also issues the Bilt Mastercard, which has its own distinct set of transfer partners. Both programs can deliver top value, but keep in mind that Wells Fargo won't approve you for more than one card every six months and restricts cardmembers to one welcome bonus every 15 months across its cards.
Wells Fargo Autograph® Card
Wells Fargo joined the club of banks offering rewards that can be transferred to partner loyalty programs in April 2024. Although the list of options isn't as large as some of the longer-established transferable currencies, the seven Wells Fargo transfer partners can deliver excellent value. Highlights of the Wells Fargo Autograph (Rates & Fees) include:
- Earn 3x on travel (including airfare, hotels, and more), transit (parking, subways, tolls, and more), dining (including delivery websites), streaming services, gas (including EV charging stations), and phone plans.
- Built-in benefits like cellular telephone protection and rental car collision damage waiver.
- Provides access to Autograph Exclusives
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x on gas – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
The Bilt Mastercard®
As the Bilt program continues to evolve its list of transfer partners, this card designed for renters is one to watch. Highlights include:
- Earn rewards on rent without transaction fees; earn 1x on up to $100,000 of rent payments annually.
- 5x points on Lyft, 3x points on dining, and 2x points on travel.
- On the first day of every month, earn even more points spending in various Rent Day categories (up to 1k points).
- 3x points on dining
- 2x points on travel
- 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year)
- 1x points on other purchases
Let's get this card's cons out of the way: It doesn't offer a welcome bonus, and you have to make five transactions on the card monthly to earn points. Despite these drawbacks, what other card allows you to pay rent and transfer rewards to Alaska Airlines? Rent Day promotions double the rewards on all spending except rent, meaning 6x on dining once a month. On top of that, the Bilt Mastercard offers competitive travel and purchase protections. Additionally, become a Bilt Rewards member for free to earn transferable points linking loyalty accounts or playing games on Rent Day — even if you don't have the Bilt Mastercard.
Related: Bilt Mastercard full review
Bottom Line
With this many choices, there's bound to be a no-annual-fee card earning transferable points that fits in your wallet. Most need to be paired with other cards from the same bank to unlock even more value for your points and miles, but some cards provide points transfers independently and don't require a companion. Additionally, many of these cards also made our list of best credit cards for college students.
For rates and fees of the cards mentioned in this post, please visit the following links: The Blue Business® Plus Credit Card from American Express (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
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