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Credit cards are frequently discussed for the benefits they provide. Most of the time, card issuers list these benefits as a way to justify a card's annual fee. But what about credit cards with no annual fee that also offer great benefits? In this article, we will review the perks you don't want to miss on some of our favorite cards without annual fees.
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American Express
Disney+ Bundle and Home Chef statement credits
The Blue Cash Everyday® Card from American Express offers several benefits in the form of monthly statements credits, yet the card has no annual fee (Rates & Fees). You can receive $7 per month, up to $84 annually, as a statement credit when you spend $9.99 or more per month on the Disney+ Bundle. The bundle includes Disney+, Hulu, and ESPN.
Additionally, you can receive $15 monthly in statement credits when you purchase meal solutions through Home Chef. But before receiving any of these statement credits, you must enroll for both benefits through the Amex Benefit Dashboard.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Two-day shipping with Shoprunner
Amex has a unique partnership with ShopRunner, which grants you free two-day shipping when you purchase eligible items from select retailers. Use your Amex card to enroll in a free ShopRunner membership here.
The following Amex cards with no annual fee have this free benefit:
- Blue Cash Everyday® Card from American Express - Rates & Fees
- Delta SkyMiles® Blue American Express Card - Rates & Fees
- Hilton Honors American Express Card - Rates & Fees
- Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
- Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- Earn 3X Points for all other eligible purchases on your Card.
Access to unique American Express Experiences
Amex Card Members can access exclusive pre-sale and cardholder-only tickets through American Express Experiences for music, theater, sports, dining, fashion, and more options. As you search for tickets, filter by Invite-Only, Card Member Early Access, or Card Member Access. Once you have selected, you can finish your purchase through Ticketmaster.
The following no-annual-fee Amex cards offer this benefit:
- Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
- No Annual Fee.
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
- Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- No Foreign Transaction Fees.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 2X miles per dollar spent on purchases made directly with Delta
- 2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- 1 mile on every eligible dollar spent on purchases
Bank of America
Complimentary admission to museums across the U.S.
On the first full weekend of each month, you can use your Bank of America card for free general admission to over 225 cultural institutions in the United States. ‘Museums On Us' is available to all Bank of America, Merill, and Bank of America Private Bank credit or debit cardholders. To visit, present your Bank of America card and a photo I.D. at the museum's admission counter.
The following Bank of America cards have no annual fee and are included in this museum benefit:
- Bank of America® Customized Cash Rewards credit card
- Bank of America® Travel Rewards credit card
- Bank of America® Unlimited Cash Rewards credit card
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Chase
Interestingly, many Chase cards have similar benefits and perks. In this section, we'll break down each benefit and show you which Chase cards offer them while paying no annual fee. It's important to note that you must use the card to pay for your purchases for these benefits to be in effect.
DoorDash perks
Chase has a partnership with DoorDash, so Chase cards offer free memberships and monthly credits. With DoorDash, you can get six months of DashPass for free, plus a couple of other perks. You can click here to get set up; this benefit runs through December 31, 2027.
The following cards offer this benefit:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Chase Freedom Rise®
- Marriott Bonvoy Bold® Credit Card
- Chase Slate Edge℠
- 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
Extended warranty and purchase protection
An extended warranty extends the time of a regular manufacturer's warranty by one additional year. Specifically, this applies to eligible warranties of three years or less. Purchase protection covers your new purchases for 120 days against damage or theft. You can receive up to $500 per claim and $50,000 per account. The following cards offer these benefits:
- Chase Freedom Unlimited®
- Chase Freedom Flex℠
- Chase Freedom Rise®
- Ink Business Cash® Credit Card (Rates & Fees) (up to $10,000 per claim on purchase protection)
- Ink Business Unlimited® Credit Card (Rates & Fees) (up to $10,000 per claim on purchase protection)
- Marriott Bonvoy Bold® Credit Card (no extended warranty)
- Chase Slate Edge℠
- IHG One Rewards Traveler Credit Card
- The New United Gateway℠ Card
- 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
Lost luggage/Baggage delay coverage
If you or an immediate family member's luggage is damaged or lost by an airline, you're covered up to $3,000 per passenger. Baggage delay coverage reimburses you for essential purchases like toiletries and clothing for delays over six hours, up to $100 a day for three days, provided you book your travel with your eligible Chase card.
- Our Highest Points Offer of 2025! Earn 120,000 Bonus Points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Rental car collision damage waiver
Charge the entire rental cost to your card and decline the rental company's collision insurance. Coverage is provided for theft and collision damage for most cars in the U.S. and overseas. This benefit is included on the following cards:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Chase Slate Edge℠
- The New United Gateway℠ Card
Note: Other than the United Gateway Card, these cards have foreign transaction fees. Consider this if you're choosing a rental car company outside the U.S.
- Limited-Time Offer: Earn 30,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 2x miles on United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 checked bags after you spend $10,000 in a calendar year
- Member FDIC
- Rates & Fees
- 2 miles per $1 spent on United® purchases
- 2 miles per $1 spent at gas stations, on local transit and commuting
- 1 mile per $1 spent on all other purchases
Related: How To Get Proof of CDW/LDW Insurance From Your Credit Card Provider
Trip cancellation/interruption insurance
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable fares if your trip is canceled or cut short by sickness, severe weather, and other covered situations. This post goes into more detail about what may or may not be covered. This benefit is included on the following cards with no annual fee:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Chase Freedom Rise®
- IHG One Rewards Traveler Credit Card (benefit covers up to $5,000 per person and up to $10,000 per trip)
- The New United Gateway℠ Card
- 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
Citi
Round up your earnings and 10% points rebate
An excellent perk of the Citi Rewards+® Card is that points earned from purchases are rounded up to the nearest 10. For example, if you make a purchase earning 342 points, it will be rounded to 350. Over time, these small amounts can add up to hundreds of extra points. You'll earn at least 10 points on all purchases, even if it's just $1.
Additionally, you get 10% of your redeemed points back each year. This applies to the first 100,000 points redeemed annually. You can find more details in our full review of the Citi Rewards+.
- 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
Citi Entertainment
Many no-annual-fee Citi cards offer access to Citi Entertainment. This perk is a collection of tickets to concerts, sports, arts, and cultural events. Many of these tickets are pre-sale, meaning you get first access to choose the best seats.
To access these tickets, search Citi Entertainment for what you'd like to purchase. Once you select your tickets, you will receive a six-digit code. From there, you will either complete the process through Citi or be taken to a third-party site to finish the purchase.
You can access Citi Entertainment through the following no-annual-fee cards:
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).
Fidelity
Auto rental and Trusted Traveler Program perks
The Fidelity® Rewards Visa Signature® Card offers several nice perks for no annual fee:
- Receive up to $100 in Reward Points every four years when you apply for either TSA Precheck or Global Entry and pay with your card. This can cover the cost of TSA Precheck ($78) or most of the cost of Global Entry ($120) — or you can deposit into an eligible Fidelity account.
- Enjoy coverage via auto rental car collision damage waiver (up to $75,000) at no cost.
- No foreign transaction fees.
Related: Expedited Security Screening Programs: How To Get Them for Free
U.S. Bank
$15 streaming credit
If you use your U.S. Bank Altitude® Go Visa Signature® Card to pay for eligible streaming services 11 months in a row, you will receive a $15 statement credit. This is available every 12 months.
It applies automatically if you pay for services like Netflix, Hulu, or Apple Music with your card each month for 11 months in a row. You will receive the credit within two billing cycles of your 11th/final qualifying transaction.
- 4X points on takeout, food delivery and dining (on up to $2,000 spent each quarter)
- 2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and on streaming services
- 1 point on all other eligible purchases
Wells Fargo
Numerous perks on The Bilt Mastercard®
The Bilt Mastercard® card from Wells Fargo became available to the public in early 2022, and it's become popular for the ability to use the card for rent payments without any transaction fees involved.
You can find many benefits even though the card has no annual fee (Rates & Fees). As a reminder, you must use your Bilt card to pay for these benefits to apply. Here are the perks:
- Lyft credit: Get a $5 Lyft credit when you take three Lyft rides in one calendar month. This benefit is good through September 30, 2025.
- Purchase protection. Receive up to $10,000 of coverage against theft or damage for 90 days from the purchase date.
- Auto collision damage waiver: Receive coverage for damage or theft on most rental cars. This card has no foreign transaction fees (Rates & Fees), so it's a good choice when renting cars overseas.
- Trip delay: Get reimbursed for meals and other expenses when your trip is delayed more than six hours due to things like weather or mechanical delays.
- Trip cancellation and interruption: Receive up to $5,000 in reimbursement for non-refundable trip expenses if your trip is canceled or interrupted for a covered reason.
Despite charging no annual fee, many of these benefits are due to the Bilt Mastercard being a World Elite Mastercard.
- 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
Cell Phone Protection
Finally, and not related to a specific bank, many cards offer cell phone protection. For the cell phone coverage to be active, you must pay your cell phone bill with one of the following cards.
These two cards offer up to $800 per claim if your phone is damaged or stolen. There is a $25 deductible per claim and a limit of two claims per 12 months:
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Limited Time Offer: Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
- Earn 5X points on stays at participating Choice Hotels® properties.
- Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services. Plus earn 1X points on other purchases.
- $0 annual fee.
- Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Receive 10 Elite night credits qualifying for at least Gold level status each calendar year.
- No foreign transaction fee.
- 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 3x points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services
- 1x points on other purchases
These cards cover up to $600 if your phone is damaged or stolen. Each has a $25 deductible and a limit of two claims per 12 months:
- U.S. Bank Visa® Platinum Card
- Wells Fargo Autograph® Card (Rates & Fees)
- Wells Fargo Active Cash® Card (Rates & Fees)
- Wells Fargo Reflect® Card (Rates & Fees)
- 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
You'll also find similar benefits on cards like the TD Cash Credit Card and TD Clear Visa Platinum Credit Card ($500 per claim and up to two claims per 12-month period, with a $50 deductible per claim) and Freedom Flex ($800 per claim and $1,000 per year if your phone is damaged or stolen; limit of two claims per 12 months and a $50 deductible per claim).
- Special offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
- Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.
- Change your spending categories up to four times a year.
- $0 annual fee.
- Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
When you open your card, you'll start with:
- 3% cash back on Dining
- 2% cash back at Grocery Stores
- 1% cash back on everything else
Then, every quarter you can choose your 3% and 2% cash back spending categories from:
- Dining
- Entertainment
- Gas
- Grocery Stores
- Travel
All other purchases earn 1% cash back.
Bottom Line
As you can see, many popular cards with no annual fee aren't devoid of benefits. With these cards, you can take advantage of a plethora of perks like extra points, travel and purchase protections, and even free memberships. You're sure to find something that benefits you and your everyday life!
What are your favorite benefits of credit cards with no annual fee?
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), Delta SkyMiles® Blue American Express Card (Rates & Fees), Hilton Honors American Express Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), IHG One Rewards Traveler Credit Card (Rates & Fees), and The New United Gateway℠ Card (Rates & Fees)
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