Calculator: 5 Best No Annual Fee Cards For Airline Miles

Several no annual fee credit cards offers the ability to earn a good amount of airline miles. Get our best picks and calculate rewards based on spend.

The Point Calculator's top picks for the 5 best airline credit cards with no annual fee are:

  • American Airlines AAdvantage MileUpâ„  Card
  • Delta SkyMiles® Blue American Express Card
  • United Gatewayâ„  Card
  • Citi Rewards+® Card
  • Capital One VentureOne Rewards Credit Card

American Airlines AAdvantage MileUpâ„  Card

American Airlines has one no-annual fee credit card called the AAdvantage MileUp Card. It earns 2 AAdvantage Miles per $1 spent at grocery stores and on American Airlines purchases and 1 mile per $1 spent everywhere else. The card offers 25% off in-flight purchases which can be great if you frequently make purchases on-board AA flights.

American Airlines AAdvantage MileUpâ„  Card
Rewards Rate
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
Intro Bonus
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights

Delta SkyMiles® Blue American Express Card

The Delta SkyMiles Blue AMEX Card is Delta's no-annual fee card. It earns 2 SkyMiles per $1 spent on Delta purchases and at restaurants worldwide and 1 SkyMile per $1 spent on all other purchases. The card offers a 20% off in-flight purchases and has no foreign transaction fee which makes it a solid option for earning SkyMiles on international spend.

Delta SkyMiles® Blue American Express Card
Rewards Rate
  • Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
Intro Bonus
Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Annual Fee and No Foreign Transaction Fees.

United Gatewayâ„  Card

United offers the United Gateway Card if you're looking to earn United Miles without paying an annual fee. The card earns 2 United Miles per $1 spent on United, gas station, and transit purchases. All other purchases earn 1 mile per $1 spent. Card benefits include 25% off in-flight purchases, access to the Luxury Hotel & Resort Collection, and some pretty great travel and purchase protection especially for a card with no annual fee.

United Gatewayâ„  Card
Rewards Rate
  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021
  • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
Intro Bonus
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is opened.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No annual fee and no foreign transaction fee

Citi Rewards+® Card

The Citi Rewards+ Card earns 2 ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year (then 1x) and 1 ThankYou Point per $1 spent everywhere else. ThankYou Points can be transferred to more than 10 airlines including JetBlue Airways, Singapore Airlines, and Emirates. This gives you more flexibility in terms of how you want to use your rewards since you will not be tied to a specific airline.

Citi Rewards+® Card
Rewards Rate
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
  • Earn 1X ThankYou® Points on all other purchases
Intro Bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Purchases automatically rounds up to the nearest 10 points on every purchase - with no cap
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness.

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Card is another great option if you're looking for flexibility. It earns an unlimited 1.25 Venture Miles per $1 spent on all purchases. Venture Miles can be redeemed towards travel at a value of 1 cent per point or you can transfer your points to Capital One's airline and hotel partners. The plus to Venture Miles is that they can be redeemed for smaller travel purchases such as parking fees, tolls, and other one-off charges in which top travel cards don't typically give you great value for. The Capital One VentureOne Card also has no foreign transaction fee which makes it a great no-annual fee card for international travel and spending.

Capital One VentureOne Rewards Credit Card
Rewards Rates
  • Earn an unlimited 1.25X miles per $1 spent on every purchase, every day.
Intro Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that earn airline miles or rewards that are transferrable to frequent flyer programs. Business credit cards will not appear in these results.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-02-23 By Robert Flowers III

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