{"id":12061,"date":"2025-03-30T23:59:28","date_gmt":"2025-03-30T23:59:28","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=12061"},"modified":"2026-04-15T14:08:34","modified_gmt":"2026-04-15T14:08:34","slug":"0-annual-fee-for-the-first-year","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/0-annual-fee-for-the-first-year\/","title":{"rendered":"Take the Benefits for a Test Drive: Top Rewards Cards With Introductory $0 Annual Fees [2026]"},"content":{"rendered":"<p>Credit cards with a $0 introductory annual fee let you take advantage of perks and rewards without an upfront cost. You can earn thousands of points or hundreds of dollars in cash back from the welcome offer and bonus categories \u2014 all while enjoying the card\u2019s benefits without paying an annual fee right away. This gives you a full year to decide whether the card is worth keeping before the fee kicks in.<\/p>\n<p>This list focuses on rewards credit cards that waive the annual fee for the first year, rather than those with no annual fee at all. Here are the best cards that give you a year to try their benefits at no cost.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Rewards_Cards_Featuring_0_Introductory_Annual_Fees\">Rewards Cards Featuring $0 Introductory Annual Fees<\/a><\/li><li><a href=\"#Best_Personal_Credit_Card_With_No_Annual_Fee_for_the_First_Year\">Best Personal Credit Card With No Annual Fee for the First Year<\/a><\/li><li><a href=\"#Best_Business_Credit_Card_With_No_Annual_Fee_for_the_First_Year\">Best Business Credit Card With No Annual Fee for the First Year<\/a><\/li><li><a href=\"#Airline_Credit_Cards_With_0_Introductory_Annual_Fees\">Airline Credit Cards With $0 Introductory Annual Fees<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Rewards_Cards_Featuring_0_Introductory_Annual_Fees\">Rewards Cards Featuring $0 Introductory Annual Fees<\/span><\/h2>\n<p>The table below highlights some of the best rewards credit cards with a $0 introductory annual fee. You'll find both personal and business cards, each giving you a full year to decide if they\u2019re worth keeping before the annual fee posts to your account.<\/p>\n<p>\n<table id=\"tablepress-191\" class=\"tablepress tablepress-id-191 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">Personal \/ Business<\/th><th class=\"column-3\">Annual Fee<\/th><th class=\"column-4\">Welcome Bonus<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a><\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">$0 intro annual fee for the first year, then $95 (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028088\" href=\"\/blog\/link\/CR-GoldDeltaSkyMilesCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Gold American Express Card<\/a><\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">$0 introductory annual fee for the first year, then $150  (<a data-ccid=\"4028088\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048117\" href=\"\/blog\/link\/UnitedExplorerCard\" rel=\"noopener nofollow sponsored\">United\u2120 Explorer Card<\/a>  (<a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=cd3e9d13cde3cc56a64ca9f04314de08&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">$0 intro annual fee for the first year, then $150<\/td><td class=\"column-4\">Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><b>Capital One Spark Miles for Business<\/b><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$95<\/td><td class=\"column-4\">This card is no longer available to new applicants..<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash<\/a><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$0 intro for first year; $95 after that<\/td><td class=\"column-4\">Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028094\" href=\"\/blog\/link\/GoldDeltaSkyMilesBusinessCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Gold Business American Express Card<\/a><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$0 introductory annual fee for the first year, then $150 (<a data-ccid=\"4028094\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold\/42732-9-0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3004018\" href=\"\/blog\/link\/CR-CitiAAdvantagePlatinumSelectWorldEliteMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Platinum Select<sup>\u00ae<\/sup> World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">$99, waived for first 12 months<\/td><td class=\"column-4\">Earn 60,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $3,000 in purchases within the first 3 months of account opening.<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3004019\" href=\"\/blog\/link\/CR-CitiBusinessAAdvantagePlatinumSelectWorldMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage Business\u2122 World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$99, waived for first 12 months<\/td><td class=\"column-4\">Earn 65,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after spending $4,000 in purchases within the first 4 months of account opening.<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><strong>U.S. Bank Business Altitude Connect Card<\/strong><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$0 Intro annual fee for the first year, $95 per year thereafter<\/td><td class=\"column-4\">Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><strong>U.S. Bank Business Leverage<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/strong><\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">$0 Intro annual fee for the first year and $95 thereafter<\/td><td class=\"column-4\">Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">The Best Rewards Credit Card Offers for This Month<\/a><\/strong><\/p>\n<h2><span id=\"Best_Personal_Credit_Card_With_No_Annual_Fee_for_the_First_Year\">Best Personal Credit Card With No Annual Fee for the First Year<\/span><\/h2>\n<p>The <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a> is a powerful cash back earner \u2014 and the fact that it carries a $0 intro annual fee for the first year, then $95 (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is just the icing on the cake. It's our pick for the best personal card without an annual fee for the first year you carry it.<\/p>\n<p>Speaking of earning rates, you can score:<\/p>\n<ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on eligible purchases at U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul>\n<p>And if you needed another incentive to add this card to your wallet, the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> offers new applicants a as high as $300 cash back  after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Welcome offers vary and you may not be eligible for an offer.<\/p>\n<div class=\"qs-card\" data-id=\"4028090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express cash back powerhouse for everyday spending. Key features include 6% cash back on eligible purchases at U.S. supermarkets (up to $6,000 per year, then 1%) and on select streaming subscriptions, plus 3% back on eligible purchases at U.S. gas stations and on eligible transit purchases. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.<\/li><li>$0 intro annual fee for the first year, then $95.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.<\/li><li>Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred&#xAE; Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on eligible purchases at U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-preferred\/\" rel=\"noopener\">Our Full Review of the Blue Cash Preferred Card<\/a><\/strong><\/p>\n<h2><span id=\"Best_Business_Credit_Card_With_No_Annual_Fee_for_the_First_Year\">Best Business Credit Card With No Annual Fee for the First Year<\/span><\/h2>\n<p>Our pick for the top business card with no annual fee for the first year is the <b>Capital One Spark Miles for Business<\/b>.<\/p>\n<div class=\"qs-card\" data-id=\"265\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>This card earns valuable <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/\" rel=\"noopener\">Capital One miles<\/a> on every purchase, which can be transferred to 22 travel partners. And with any spending, it's hard not to rack up the rewards whenever you swipe your card thanks to its friendly earning rates.<\/p>\n<ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul>\n<p>From the second year on, you'll pay just $95 to keep this card in your wallet.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\">Our Full Review of the Capital One Spark Miles for Business<\/a><\/strong><\/p>\n<p>If cash back is more your style, check out the <a data-ccid=\"5048373\" href=\"\/blog\/link\/CRCapOneSparkCash\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash<\/a> instead. New applicants can earn a one-time bonus of $1,000 cash back once you spend $10,000 in the first 3 months from account opening.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048373\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"5048373\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash' href=\"\/blog\/link\/CRCapOneSparkCash\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro for first year; $95 after that<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, there is no cap on the cash back you can earn.<\/div><div class=\"qs-tab-hl\"><ul>\r\n         <li>Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/li>\r\n         <li>2% cash back for your business on every purchase, everywhere<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 intro for first year; $95 after that<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> <\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\"><\/a><\/p>\n<h2><span id=\"Airline_Credit_Cards_With_0_Introductory_Annual_Fees\">Airline Credit Cards With $0 Introductory Annual Fees<\/span><\/h2>\n<p>Some of the most common credit cards with a $0 introductory annual fee are co-branded <a target=\"_blank\" href=\"\/find-a-card\/airlines\/\" rel=\"noopener\">airline cards<\/a>. While these cards offer long-term perks that can justify the fee (think free checked bags and priority boarding), it\u2019s hard to overlook the bonus miles you\u2019ll earn after <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">meeting the minimum spending requirements<\/a>.<\/p>\n<p>Here\u2019s a quick look at the top airline credit cards that are currently waiving the annual fee for the first year:<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/01\/CardArt-DeltaSkyMilesGoldAmericanExpressCard.png\" alt=\"Delta SkyMiles\u00ae Gold American Express Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Delta SkyMiles<sup>\u00ae<\/sup> Gold American Express Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus:<\/strong>\r\nYou may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Delta SkyMiles\u00ae Gold American Express Card' data-ccid=\"4028088\" href=\"\/blog\/link\/CR-GoldDeltaSkyMilesCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 introductory annual fee for the first year, then $150<span class=\"compare-terms\"><a data-ccid=\"4028088\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar spent on purchases made directly with Delta<\/li>\r\n<li>2X miles per dollar spent at U.S. supermarkets<\/li>\r\n<li>2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.<\/li>\r\n <li>1X miles on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ff6d0beb-04a7-4cc5-9bf4-50bc3f5e5883.png\" alt=\"United\u2120 Explorer Card\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">United\u2120 Explorer Card<\/div><div class=\"compare-offer\"><strong>Limited Time Offer<\/strong> Earn up to 80,000 bonus miles after qualifying activities<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='United\u2120 Explorer Card' data-ccid=\"4048117\" href=\"\/blog\/link\/UnitedExplorerCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro annual fee for the first year, then $150<span class=\"compare-terms\"><a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=cd3e9d13cde3cc56a64ca9f04314de08&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X miles per $1 spent on purchases from United<sup>\u00ae<\/sup>*<\/li>\r\n<li>2X miles per $1 spent on dining and hotel stays when booked with the hotel<\/li>\r\n<li>1X mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*9X total miles per $1 spent on eligible United<sup>\u00ae<\/sup> flights<\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/01\/CardArt-Delta-SkyMilesGoldBusinessAmericanExpressCard.png\" alt=\"Delta SkyMiles\u00ae Gold Business American Express Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Delta SkyMiles<sup>\u00ae<\/sup> Gold Business American Express Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Delta SkyMiles\u00ae Gold Business American Express Card' data-ccid=\"4028094\" href=\"\/blog\/link\/GoldDeltaSkyMilesBusinessCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 introductory annual fee for the first year, then $150<span class=\"compare-terms\"><a data-ccid=\"4028094\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold\/42732-9-0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar spent on eligible purchases made directly with Delta<\/li>\r\n<li>2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)<\/li>\r\n<li>2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)<\/li>\r\n<li>2X miles per dollar on eligible dining purchases<\/li>\r\n <li>1X miles per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p>Other options include:<\/p>\n<ul>\n<li><strong><a data-ccid=\"3004018\" href=\"\/blog\/link\/CR-CitiAAdvantagePlatinumSelectWorldEliteMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Platinum Select<sup>\u00ae<\/sup> World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/strong>\n<ul>\n<li>Earn 60,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $3,000 in purchases within the first 3 months of account opening.<\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/american-aadvantage\/citi-aadvantage-platinum-select\/\" rel=\"noopener\">Full review of the AA Platinum Select<\/a>.<\/li>\n<\/ul>\n<\/li>\n<li><strong><a data-ccid=\"3004019\" href=\"\/blog\/link\/CR-CitiBusinessAAdvantagePlatinumSelectWorldMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage Business\u2122 World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/strong>\n<ul>\n<li>Earn 65,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after spending $4,000 in purchases within the first 4 months of account opening.<\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/american-aadvantage\/american-airlines-business-credit-card\/\" rel=\"noopener\">Full review of the Citi AAdvantage Business Card<\/a>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<figure id=\"attachment_158370\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-158370 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/JFK-Airport-Featured-Miguel-Angel-Sanz-Unsplash.jpg\" alt=\"View of JFK airport from the wing of en E175.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/JFK-Airport-Featured-Miguel-Angel-Sanz-Unsplash.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/JFK-Airport-Featured-Miguel-Angel-Sanz-Unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/JFK-Airport-Featured-Miguel-Angel-Sanz-Unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/JFK-Airport-Featured-Miguel-Angel-Sanz-Unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Miguel Angel Sanz\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/travel\/award-program-sweet-spots\/\" rel=\"noopener\">AwardWallet's Roundup of Best Award Travel Sweet Spots<\/a><\/strong><\/p>\n<h2 class=\"p1\"><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>No matter the reason you're considering a credit card with a $0 introductory annual fee, the good news is that you have plenty of great options. Whether you're looking for an airline card or a highly rewarding personal or business card, there\u2019s something for everyone.<\/p>\n<p>That said, if you\u2019re thinking of opening one of these cards just for the bonus, keep in mind that <a target=\"_blank\" href=\"\/credit-cards\/dont-cancel-within-first-year\/\" rel=\"noopener\">canceling within the first year after pocketing the rewards isn\u2019t a good idea<\/a>. We recommend playing the long game to keep on the good side of card issues.<\/p>\n<p>Also, while there\u2019s no annual fee upfront, that doesn\u2019t mean these cards are completely fee-free. <a target=\"_blank\" href=\"\/credit-cards\/beware-no-fee-credit-cards\/\" rel=\"noopener\">Credit cards come with plenty of other potential fees<\/a>, from interest and late fees to foreign transaction or balance transfer fees, which aren't waived during the first year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit cards with a $0 introductory annual fee let you earn rewards and enjoy perks without an upfront cost. You\u2019ll have a full year to decide if the card is worth keeping before the first annual fee posts. This list highlights the best rewards cards that waive the annual fee for the first year.<\/p>\n","protected":false},"author":79,"featured_media":180813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12232],"coauthors":[36415,36432],"class_list":["post-12061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-offers"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/12061","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/79"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=12061"}],"version-history":[{"count":141,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/12061\/revisions"}],"predecessor-version":[{"id":258462,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/12061\/revisions\/258462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/180813"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=12061"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=12061"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=12061"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=12061"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}