{"id":156149,"date":"2025-11-11T23:59:08","date_gmt":"2025-11-11T23:59:08","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=156149"},"modified":"2026-04-08T14:27:39","modified_gmt":"2026-04-08T14:27:39","slug":"best-no-annual-fee-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-no-annual-fee-cards\/","title":{"rendered":"The 8 Best No-Annual-Fee Credit Cards for Earning Transferable Points"},"content":{"rendered":"<p>Premium credit cards tend to get most of the hype. In exchange for sky-high annual fees, you get a suite of benefits, ranging from <a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\">exclusive lounge access<\/a> to a coupon book full of statement credits that can take a lot of planning to maximize.<\/p>\n<p>However, several no-annual-fee credit cards earn transferable point currencies. These cards enable you to access lucrative transfer partners without paying any additional money to keep the card in your wallet. While these cards are lighter on travel benefits, they are also much lighter on your budget.<\/p>\n<p>These are the best no-annual-fee credit cards for earning transferable rewards. We've sorted them by bank, comparing and contrasting the benefits of each one.<\/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=\"#Overview_of_No-Annual-Fee_Cards_With_Transferable_Rewards\">Overview of No-Annual-Fee Cards With Transferable Rewards<\/a><\/li><li><a href=\"#American_Express\">American Express<\/a><ul><li><a href=\"#The_Blue_Business_Plus_Credit_Card_from_American_Express\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a><\/li><\/ul><\/li><li><a href=\"#Capital_One\">Capital One<\/a><ul><li><a href=\"#Capital_One_VentureOne_Rewards_Credit_Card\">Capital One VentureOne Rewards Credit Card<\/a><\/li><li><a href=\"#Capital_One_Spark_Miles_Select_for_Business\">Capital One Spark Miles Select for Business<\/a><\/li><\/ul><\/li><li><a href=\"#Chase\">Chase<\/a><ul><li><a href=\"#Marriott_Bonvoy_Bold_Credit_Card\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/a><\/li><\/ul><\/li><li><a href=\"#Citi\">Citi<\/a><ul><li><a href=\"#Citi_Strata_Card\">Citi Strata\u2120 Card<\/a><\/li><li><a href=\"#Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/li><\/ul><\/li><li><a href=\"#Wells_Fargo\">Wells Fargo<\/a><ul><li><a href=\"#Wells_Fargo_Autograph_Card\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a><\/li><\/ul><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Overview_of_No-Annual-Fee_Cards_With_Transferable_Rewards\">Overview of No-Annual-Fee Cards With Transferable Rewards<\/span><\/h2>\n<p>For a quick overview, here are the 8\u00a0 cards we\u2019ll be covering in this post. The table below also shows which transferable currency each card earns and how many transfer partners each program offers.<\/p>\n\n<table id=\"tablepress-1140\" class=\"tablepress tablepress-id-1140 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Card Name<\/th><th class=\"column-2\">Type of Rewards Earned<\/th><th class=\"column-3\">Number of Transfer Partners<\/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=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a>  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Amex Membership Rewards<\/td><td class=\"column-3\">20<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne Rewards Credit Card<\/a><\/td><td class=\"column-2\">Capital One miles<\/td><td class=\"column-3\">22<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006148\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-miles-select\/\">Capital One Spark Miles Select for Business<\/a><\/td><td class=\"column-2\">Capital One miles<\/td><td class=\"column-3\">22<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048164\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/chase-bonvoy-bold\/\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=690a1c4c992648e8b2beae68e36e5f6c&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Marriott Bonvoy points<\/td><td class=\"column-3\">37<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/td><td class=\"column-3\">21<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/td><td class=\"column-3\">21<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/td><td class=\"column-3\">21<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"5048294\" href=\"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-rewards\/wells-fargo-autograph\/\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Wells Fargo Rewards<\/td><td class=\"column-3\">eight<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">What Are the Best Flexible Rewards Points for Free Travel?<\/a><\/strong><\/p>\n<h2><span id=\"American_Express\">American Express<\/span><\/h2>\n<p>Transferring <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">American Express Membership Rewards<\/a> to airline transfer partners provides some of their best value. As of now, there is only one card available that earns these points without annual fees.<\/p>\n<h3><span id=\"The_Blue_Business_Plus_Credit_Card_from_American_Express\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/span><\/h3>\n<p>Key features of the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a> (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) include:<\/p>\n<ul>\n<li>2x  Membership Rewards on the first $50,000 spent annually; 1x on purchases after that.<\/li>\n<li>Expanded buying power offers wiggle room beyond the set credit limit.<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"4028098\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/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\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/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 best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday 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>Earn 15,000 Membership Rewards&#xAE; points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%<\/li><li>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.<\/li><li>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.<\/li><li>No Annual Fee<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>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.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/AmexBlueBizPlus\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>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.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">Amex Blue Business Plus Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Capital_One\">Capital One<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/\" rel=\"noopener\">Capital One miles<\/a> come in handy for <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">airline and hotel partner transfers<\/a>, including these <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/use-capital-one-miles-domestic-flights\/\" rel=\"noopener\">North American sweet spots<\/a>. The first card earns miles directly; the second earns cash back, though there's an option for turning these earnings into miles. The third is a business card, perfect for small businesses that want to earn miles without incurring an annual fee.<\/p>\n<h3><span id=\"Capital_One_VentureOne_Rewards_Credit_Card\">Capital One VentureOne Rewards Credit Card<\/span><\/h3>\n<p>The <a data-ccid=\"3006150\" href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=_blank rel=\"noopener nofollow sponsored\">Capital One VentureOne<\/a> is the introductory card in the <a href=\"\/blog\/link\/CapitalOneVentureRewardsCard\" rel=\"noopener nofollow sponsored\">Venture Card<\/a> family, but it still provides access to the same transfer partners as its more expensive siblings. You'll earn 1.25 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006150\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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 only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X miles per dollar on every purchase.<\/div><div class=\"qs-tab-hl\"><ul><li>20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>1.25 Miles on every purchase<\/li>\r\n\t<li>0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureOne\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>You don't need to hold a Capital One card with an annual fee to transfer miles from the Capital One VentureOne to all 22 airline and hotel partners. In addition, while not the best redemption value, you can <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/redeem-venture-miles-travel-purchases\/\" rel=\"noopener\">use your miles as a credit against travel purchases made in the past 90 days<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-one-card\/\" rel=\"noopener\">Capital One VentureOne Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Capital_One_Spark_Miles_Select_for_Business\">Capital One Spark Miles Select for Business<\/span><\/h3>\n<p>The <a data-ccid=\"3006148\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-miles-select\/\">Spark Miles Select<\/a> is an excellent option for small businesses that don't want to pay an annual fee, earning a flat 1.5 miles per dollar spent. Plus, the welcome bonus of 50,000 Miles has a much lower spending threshold than many other business cards \u2014 you can earn it once you spend $4,500 on purchases within the first 3 months from account opening.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006148\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles Select for Business<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/bd9b2bee-8bf8-48a3-b1b9-073514bd6e90.png\" width=\"150\" alt=\"Capital One Spark Miles Select for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3006148\" href=\"\/blog\/link\/CRCapOneSparkMilesSelect\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 50,000 Miles once you spend $4,500 on purchases within the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles Select for Business<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 50,000 Miles once you spend $4,500 on purchases within the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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\">A no-nonsense business rewards card earning 1.5x Miles per dollar on all business expenses, with no annual fee.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 50,000 Miles Miles once you spend $4,500 on purchases within the first 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners<\/li>\r\n \t<li>1.5 Miles per $1 on every purchase<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X Miles per $1 on purchases through Capital One Entertainment (through 12\/31\/2025)<\/li>\r\n<li>1.5 Miles per $1 on every purchase.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMilesSelect\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>You'll have access to all of Capital One's transfer partners, and you'll enjoy a few travel benefits, like <a target=\"_blank\" href=\"\/car-rental\/hertz-five-star-status\/\" rel=\"noopener\">Hertz Five Star<\/a> status and some travel protections. You can get free employee cards, and take advantage of several standard business benefits like year-end summaries, purchase records, and the ability to assign an account manager.<\/p>\n<p><strong>Related: <a href=\"\/credit-cards\/capital-one-rewards\/spark-miles-select\/\">Capital One Spark Miles Select for Business Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Chase\">Chase<\/span><\/h2>\n<p>Chase offers numerous credit cards, and <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Ultimate Rewards transfer partners<\/a> can be incredibly valuable. However, Chase has one of the strictest credit card application rules in its <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24 policy<\/a>, so ensure you understand that before applying for either of these cards.<\/p>\n<p>Chase issues several no-annual-fee Freedom- and Ink-branded cards, but none of these cards earn transferable points on their own. To access transfer partners, you'll need to pair those cards with an annual fee, and then you can <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">combine your Chase rewards<\/a>.<\/p>\n<p>However, there is one Chase-issued no-annual-fee card that earns transferable points&#8230;<\/p>\n<h3><span id=\"Marriott_Bonvoy_Bold_Credit_Card\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/span><\/h3>\n<p>Surprise! You can <a target=\"_blank\" href=\"\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/\" rel=\"noopener\">transfer Marriott points to nearly 40 different airline partners<\/a>, with most at a 3:1 ratio, up to 240,000 points per day. Thus, the <a data-ccid=\"4048164\" href=\"\/blog\/link\/ChaseMarriottBonvoyBoldCard\" rel=\"noopener nofollow sponsored\">Bonvoy Bold<\/a> (<a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=690a1c4c992648e8b2beae68e36e5f6c&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is a no-annual-fee card with points transfers, also offering the following benefits:<\/p>\n<ul>\n<li>5 annual Elite Night Credits qualifying cardholder and automatic <a target=\"_blank\" href=\"\/hotels\/marriott-bonvoy\/silver-elite-benefits\/\" rel=\"noopener\">Marriott Silver Elite status<\/a>.<\/li>\n<li>3X Bonvoy points per $1 spent at Marriott Bonvoy<sup>\u00ae<\/sup> hotels, 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services, and 1 point per $1 on all other purchases.<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"4048164\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/edad2b58-91a8-4274-8df4-08ba33116784.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Marriott Bonvoy Bold\u00ae Credit Card' data-ccid=\"4048164\" href=\"\/blog\/link\/ChaseMarriottBonvoyBoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=690a1c4c992648e8b2beae68e36e5f6c&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card!<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card!<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-hl\"><ul><li>Earn 30,000 Bonus Points after qualifying purchases.<\/li><li>Pay no annual fee with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card from Chase<sup>\u00ae<\/sup>!<\/li><li>Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy<sup>\u00ae<\/sup> with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Card.<\/li><li>Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.<\/li><li>1X point for every $1 spent on all other purchases.<\/li><li>Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.<\/li><li>Pay Yourself Back<sup>\u00ae<\/sup> - Redeem Marriott Bonvoy<sup>\u00ae<\/sup> points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.<\/li><li>Member FDIC<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy<sup>\u00ae<\/sup><\/li>\r\n<li>2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services<\/li>\r\n<li>1X point on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BonvoyBold\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Visa Signature benefits also come with the card, including baggage delay insurance, lost luggage reimbursement, trip delay coverage, and purchase protection.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/marriott-bonvoy\/chase-bonvoy-bold\/\" rel=\"noopener\">Marriott Bonvoy Bold Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Citi\">Citi<\/span><\/h2>\n<p>Many <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Rewards Points travel partners<\/a> overlap with other banks, including Choice Privileges (Amex, Capital One, and Wells Fargo also transfer to Choice). However, Citi points transfer to Choice 1:2, making this a sweet spot for your Citi points.<\/p>\n<p>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.<\/p>\n<h3><span id=\"Citi_Strata_Card\">Citi Strata\u2120 Card<\/span><\/h3>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is the no-annual-fee card in the full Citi Strata lineup. It has a very impressive earning potential:<\/p>\n<ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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 Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, 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).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Although it's light on other benefits, the earning potential alone is enough to make you consider applying for the card. Note that although you can access Citi's transfer partners, your points will transfer at a lower ratio than with the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) or <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a> (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>For instance, you can transfer points from your Citi Strata Card to American Airlines AAdvantage at a 1:0.7 ratio. If you paired this card with the Citi Strata Premier, you could combine your rewards and transfer at a 1:1 ratio.<\/p>\n<p><strong>Related: <a href=\"\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is marketed as a cash back card, but your cash back is fulfilled as ThankYou Points. You can access the same transfer partners at the same ratio as the Citi Strata Card. As a cardholder, you'll earn:<\/p>\n<ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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 Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf 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.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\r\n<li>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).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>This card gives you the best of both worlds \u2014 access to transfer partners while also being able to redeem for cash back if you choose.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">Citi Double Cash Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>Just like with the Citi Double Cash, the <a data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">Citi Custom Cash<\/a> is marketed as earning cash back, but the rewards are actually provided as ThankYou Points. You'll have access to the same transfer partners at the same rate at the other no-annual-fee Citi cards on this list.<\/p>\n<ul>\n<li>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<sup>\u2120<\/sup> portal.<\/li>\n<li>Earning rates adjust to your spending automatically.<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"4048250\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/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\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" 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 $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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 Citi Custom Cash<sup>\u00ae<\/sup> Card offers a distinctive and flexible cash back program that adapts to your top spending category. Every billing cycle, it automatically grants 5% cash back on the first $500 in your highest spend category, which can range from restaurants, gas stations, and grocery stores to select streaming services, travel, transit, home improvement stores, fitness clubs, live entertainment, and drugstores. Beyond this, all other purchases earn an unlimited 1% cash back. Notably, there's no annual fee, adding to its appeal. The cash back you earn is in the form of ThankYou Points, which can be redeemed for cash back, or combined with rewards\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b from other qualifying ThankYou Rewards cards and transferred to travel partners.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points<\/li>\r\n<li>5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle<\/li>\r\n<li>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.<\/li>\r\n<li>Excellent intro APR offer on purchases and balance transfers<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiCustom\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>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. If you want to build a <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-quadfecta\/\" rel=\"noopener\">Citi quadfecta<\/a>, the Citi Custom Cash is a great place to start.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\" rel=\"noopener\">Citi Custom Cash Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Wells_Fargo\">Wells Fargo<\/span><\/h2>\n<p>Wells Fargo has some excellent transfer partners on its own card products. And these cards are often better paired. 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.<\/p>\n<h3><span id=\"Wells_Fargo_Autograph_Card\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>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 eight <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/transfer-partners\/\" rel=\"noopener\">Wells Fargo transfer partners<\/a> can deliver excellent value. Cardholders of the <a data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Autograph<\/a>(<a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) earn<\/p>\n<ul>\r\n<li>3x on travel \u2013 including airfare, hotels, car rentals, timeshares, cruises, and more<\/li>\r\n<li>3x on transit \u2013 including parking, tolls, subways, ride shares, railways, ferries, and more<\/li>\r\n<li>3x on dining \u2013 including dining in, take-out, catering,\r\ndelivery and more<\/li>\r\n<li>3x at gas stations \u2013 including gas stations and electric vehicle charging stations<\/li>\r\n<li>3x on phone plans \u2013 including landline providers and cell phones<\/li>\r\n<li>3x on streaming services<\/li>\r\n<li>1x on other purchases<\/li>\r\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"5048294\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_58.png\" width=\"150\" alt=\"Wells Fargo Autograph\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Autograph\u00ae Card' data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/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 Wells Fargo Autograph<sup>\u00ae<\/sup> Card rewards cardholders with diverse spending requirements, offering unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. It enhances travel experiences with benefits like an auto rental collision damage waiver, emergency assistance, and Roadside Dispatch<sup>\u00ae<\/sup>, and no annual fee.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/li><li>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.<\/li><li>$0 annual fee.<\/li><li>0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% Variable APR thereafter.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><li>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.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3x on travel \u2013 including airfare, hotels, car rentals, timeshares, cruises, and more<\/li>\r\n<li>3x on transit \u2013 including parking, tolls, subways, ride shares, railways, ferries, and more<\/li>\r\n<li>3x on dining \u2013 including dining in, take-out, catering,\r\ndelivery and more<\/li>\r\n<li>3x at gas stations \u2013 including gas stations and electric vehicle charging stations<\/li>\r\n<li>3x on phone plans \u2013 including landline providers and cell phones<\/li>\r\n<li>3x on streaming services<\/li>\r\n<li>1x on other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsAutograph\/\" 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?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>You'll also receive benefits like cellular telephone protection, a rental car collision damage waiver, and access to <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/autograph-exclusives\/\" rel=\"noopener\">Autograph Exclusives<\/a>. It also doesn't charge any foreign transaction fees, which is relatively uncommon for cards that don't charge an annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/wells-fargo-autograph\/\" rel=\"noopener\">Wells Fargo Autograph Full Review\u00a0<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>With this many choices, there's bound to be a no-annual-fee card earning transferable points that fits in your wallet. Several 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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You don&#8217;t have to pay credit card annual fees to earn transferable rewards. Even better, some cards provide access to transfer partners without needing to pair with another card to make it happen. Learn about 8 credit cards that offer transferable points (plus other perks) without charging an annual fee.<\/p>\n","protected":false},"author":85,"featured_media":132226,"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":[12710,36370,12708,12520,12709,12707,12621,12706],"coauthors":[36458,36518],"class_list":["post-156149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-amex-membership-rewards","tag-bilt-rewards","tag-capital-one-rewards","tag-card-benefits","tag-chase-ultimate-rewards","tag-citi-thankyou-rewards","tag-earning-strategy","tag-wells-fargo-rewards"],"acf":[],"yoast_head":"<title>Credit Cards That Earn Transferable Points With No Annual Fee<\/title>\n<meta name=\"description\" content=\"Did you know you can earn transferable points without paying a credit card annual fee? 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