AwardWallet receives compensation from advertising partners when you visit our site, click on a link, when you are approved for a credit card, or when an account is opened. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 07/18/2025
Offers for the American Airlines AAdvantage® MileUp® Card, Amazon Visa, BankAmericard® credit card, The Bilt Mastercard®, Bank of America® Customized Cash Rewards credit card, Bank of America® Travel Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, Marriott Bonvoy Bold® Credit Card, Chase Slate®, Choice Privileges® Mastercard®, Costco Anywhere Visa® Card by Citi, Costco Anywhere Visa® Business Card by Citi, Citi Custom Cash® Card, Citi® Diamond Preferred® Card, Disney® Visa® Card, DoorDash Rewards Mastercard®, Chase Freedom Flex℠, Chase Freedom Rise®, One Key™ Card, Chase Slate Edge℠, Capital One Spark Miles Select for Business, Wells Fargo Attune℠ Card, Chase Freedom®, Citi Rewards+® Card and Citi Simplicity® Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Credit cards are frequently discussed for the benefits they provide. Most of the time, card issuers list these benefits as a way to justify a card's annual fee. But some no-annual-fee credit cards also offer great benefits! In this article, we will review the perks you don't want to miss on some of our favorite cards without annual fees.
Page Contents
American Express
Disney streaming and Home Chef statement credits
The Blue Cash Everyday® Card from American Express offers several benefits in the form of monthly statement credits, yet the card has no annual fee (Rates & Fees). You can receive $7 per month, up to $84 annually, as a statement credit when you purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or plus.espn.com.
Additionally, you can receive $15 in monthly statement credits when you purchase meal solutions from Home Chef. But before receiving any of these statement credits, you must enroll for both benefits through the Amex Benefit Dashboard.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.74% to 28.74% variable APR.
- Plan It®: 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® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Access to unique American Express Experiences
Amex cardholders can access exclusive pre-sale and cardholder-only tickets through American Express Experiences for music, theater, sports, dining, fashion, and more. As you search for tickets, filter by Invite-Only, Card Member Early Access, or Card Member Access. Once you have selected, you can finish your purchase through Ticketmaster.
The following no-annual-fee Amex cards offer this benefit:
(Terms apply)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
(Terms apply)
- 2X miles per dollar spent on purchases made directly with Delta
- 2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- 1 mile on every eligible dollar spent on purchases
(Terms apply)
- Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
- Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- Earn 3X Points for all other eligible purchases on your Card.
Bank of America
Complimentary admission to museums across the U.S.
On the first full weekend of each month, you can use your Bank of America card for free general admission to over 225 cultural institutions in the United States. “Museums On Us” is available to all Bank of America, Merrill, and Bank of America Private Bank credit or debit cardholders. To visit, present your Bank of America card and a photo ID at the museum's admission counter.
The following Bank of America cards have no annual fee and are included in this museum benefit:
- Bank of America® Customized Cash Rewards credit card
- Bank of America® Travel Rewards credit card
- Bank of America® Unlimited Cash Rewards credit card
- BankAmericard® credit card
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- 1.5 points for every $1 you spend on all purchases
- Earn 2% cash back on purchases for the first year from account opening
- Earn unlimited 1.5% cash back on all purchases after year one
Capital One
None of Capital One's credit cards — including its no-annual-fee options — charge foreign transaction fees. That makes these great cards to use when you're abroad.
Capital One Dining, Entertainment, Shopping, and Travel
Capital One Shopping is a great tool for online shopping, automatically applying coupon codes to your order. Capital One Dining can help you get access to reservations at award-winning restaurants and tickets to curated culinary events, while Capital One Entertainment can unlock access to exclusive music and sporting events with pre-sales and experiences.
All Capital One-branded, rewards-earning consumer and small business credit cards are eligible for these platforms, including:
- Capital One VentureOne Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One Savor Cash Rewards Credit Card
- Capital One Spark Miles Select for Business
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 1.25 Miles per dollar on every purchase, every day.
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase, every day
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Chase
Interestingly, many Chase cards have similar benefits and perks. In this section, we'll break down each benefit and show you which Chase cards offer them while paying no annual fee. It's important to note that you must use the card to pay for your purchases for these benefits to apply.
DoorDash perks
Chase has a partnership with DoorDash, so Chase cards offer free memberships and monthly credits. With DoorDash, you can get six months of DashPass for free, plus a couple of other perks. You can click here to get set up; this benefit runs through December 31, 2027.
The following cards offer this benefit:
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
If you want even more DashPass benefits, the following cards offer one year of complimentary DashPass, compared to the six months offered through the cards above:
- 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
- 2X points on other travel purchases (from airfare to taxis and trains)
- 1X point on all other purchases
Extended warranty and purchase protection
An extended warranty extends the time of a regular manufacturer's warranty by one additional year. Specifically, this applies to eligible warranties of three years or less. Purchase protection covers your new purchases for 120 days against damage or theft. You can receive up to $500 per claim and $50,000 per account. The following cards offer these benefits:
- Chase Freedom Unlimited®
- Chase Freedom Flex℠
- Chase Freedom Rise®
- Ink Business Cash® Credit Card (Rates & Fees) (up to $10,000 per claim on purchase protection)
- Ink Business Unlimited® Credit Card (Rates & Fees) (up to $10,000 per claim on purchase protection)
- Marriott Bonvoy Bold® Credit Card (no extended warranty)
- Chase Slate Edge℠
- IHG One Rewards Traveler Credit Card (Rates & Fees) (no extended warranty)
- United Gateway℠ Card (Rates & Fees)
- Disney® Visa® Card
- Amazon Visa
- DoorDash Rewards Mastercard®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Lost luggage/baggage delay coverage
If you or an immediate family member's luggage is damaged or lost by an airline, you're covered up to $3,000 per passenger. Baggage delay coverage reimburses you for essential purchases like toiletries and clothing for delays over six hours, up to $100 a day for three days, provided you book your travel with your eligible Chase card.
- IHG One Rewards Traveler Credit Card
- Marriott Bonvoy Bold® Credit Card
- Amazon Visa
- Disney® Visa® Card (no lost luggage)
- Earn 80,000 Bonus Points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn up to 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn up to 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn up to 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Rental car collision damage waiver
Charge the entire rental cost to your card and decline the rental company's collision insurance. Coverage is provided for theft and collision damage for most cars in the U.S. and overseas. This benefit is included on the following cards:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Chase Slate Edge℠
- United Gateway℠ Card
- DoorDash Rewards Mastercard®
- Amazon Visa
Note: Other than the United Gateway Card, Amazon Visa, and DoorDash Mastercard, these cards have foreign transaction fees. Consider this if you're choosing a rental car company outside the U.S.
- Earn 30,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 2x miles on United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 checked bags after you spend $10,000 in a calendar year
- Member FDIC
- Rates & Fees
- 2 miles per $1 spent on United® purchases
- 2 miles per $1 spent at gas stations, on local transit and commuting
- 1 mile per $1 spent on all other purchases
Related: How To Get Proof of CDW/LDW Insurance From Your Credit Card Provider
Trip cancellation/interruption insurance
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable fares if your trip is canceled or cut short by sickness, severe weather, or other covered situations. This post goes into more detail about what may or may not be covered. This benefit is included on the following cards with no annual fee:
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Chase Freedom Rise®
- IHG One Rewards Traveler Credit Card (benefit covers up to $5,000 per person and up to $10,000 per trip)
- United Gateway℠ Card
- DoorDash Rewards Mastercard®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Citi
Citi Entertainment®
Many no-annual-fee Citi cards offer access to Citi Entertainment®. This perk is a collection of tickets to concerts, sports, arts, and cultural events. Many of these tickets are pre-sale, meaning you get first access to choose the best seats.
To access these tickets, search Citi Entertainment for what you'd like to purchase. Once you select your tickets, you will receive a six-digit code. From there, you will either complete the process on Citi's site or be redirected to a third-party site to finish the purchase.
You can access Citi Entertainment through the following no-annual-fee cards:
- Citi Strata℠ Card
- Citi Custom Cash® Card
- Citi® Diamond Preferred® Card
- Citi Double Cash® Card (Rates & Fees)
- American Airlines AAdvantage® MileUp® Card
- Costco Anywhere Visa® Card by Citi
- Costco Anywhere Visa® Business Card by Citi
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® 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.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
- 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal.
- 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.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Fidelity
Auto rental and Trusted Traveler Program perks
The Fidelity® Rewards Visa Signature® Card offers several nice perks for no annual fee:
- Receive up to $100 in Reward Points every four years when you apply for either TSA PreCheck or Global Entry and pay with your card. This can cover the cost of TSA PreCheck ($78) or most of the cost of Global Entry ($120) — or you can deposit into an eligible Fidelity account.
- Enjoy coverage via auto rental car collision damage waiver (up to $75,000) at no cost.
- No foreign transaction fees.
Related: Expedited Security Screening Programs: How To Get Them for Free
U.S. Bank
$15 streaming credit
If you use your U.S. Bank Altitude® Go Visa Signature® Card to pay for eligible streaming services 11 months in a row, you will receive a $15 statement credit. This is available every 12 months.
It applies automatically if you pay for services like Netflix, Hulu, or Apple Music with your card each month for 11 months in a row. You will receive the credit within two billing cycles of your 11th/final qualifying transaction.
- 4X points on takeout, food delivery and dining (on up to $2,000 spent each quarter)
- 2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and on streaming services
- 1 point on all other eligible purchases
Plus, you can earn a $20 annual statement credit after making 11 consecutive months of purchases on your U.S. Bank Shield™ Visa® Card.
Cellular Telephone Protection
Finally, and not related to a specific bank, many cards offer cell phone protection. For the cell phone coverage to be active, you must pay your cell phone bill with one of the following cards.
This card offers up to $1,000 of cell phone protection against damage, theft, or unintended separation. There's a $25 deductible per claim and a limit of two claims per 12 months:
This card covers up to $800 per claim and $1,000 per 12-month period, up to two claims in a 12-month period. Claims are subject to a $50 deductible.
These two cards offer up to $800 per claim if your phone is damaged or stolen. There is a $25 deductible per claim and a limit of two claims per 12 months:
- 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 3x points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services
- 1x points on other purchases
These cards cover up to $600 if your phone is damaged or stolen. Each has a $25 deductible and a limit of two claims per 12 months:
- U.S. Bank Platinum Visa
- Wells Fargo Autograph® Card (Rates & Fees)
- Wells Fargo Active Cash® Card (Rates & Fees)
- Wells Fargo Reflect® Card (Rates & Fees)
- Wells Fargo Attune℠ Card
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x at gas stations – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
You'll also find similar benefits on cards like the TD Cash Credit Card and TD Clear Visa Platinum Credit Card ($500 per claim and up to two claims per 12-month period, with a $50 deductible per claim).
- Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.
- Change your spending categories up to four times a year.
- $0 annual fee.
- Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
When you open your card, you'll start with:
- 3% cash back on Dining
- 2% cash back at Grocery Stores
- 1% cash back on everything else
Then, every quarter you can choose your 3% and 2% cash back spending categories from:
- Dining
- Entertainment
- Gas
- Grocery Stores
- Travel
All other purchases earn 1% cash back.
Bottom Line
As you can see, many popular no-annual-fee cards have plenty of benefits. With these cards, you can take advantage of a plethora of perks like extra points, travel and purchase protections, and even free memberships. You're sure to find something that benefits you and your everyday life!
What are your favorite benefits of credit cards with no annual fee?
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), Delta SkyMiles® Blue American Express Card (Rates & Fees), Hilton Honors American Express Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), IHG One Rewards Traveler Credit Card (Rates & Fees), United Gateway℠ Card (Rates & Fees), Citi Double Cash® Card (Rates & Fees), and Citi Strata℠ Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
