No Annual Fee Airline Cards

There's a handful of no annual fee airline credit cards on the market. Get the list, calculate value based on spend and perks, and compare side by side!
Updated 2021-02-23 By Robert Flowers III

When it comes to finding a no annual fee airline card, you have a small amount to choose from. These cards will typically earn you lower rewards and offer the least amount of perks compared to their annual fee counterparts, but can still be worth it if it fits your spending profile.

No Annual Fee Airline Cards

There's only a few airline cards that have no annual fee. Those cards are listed in the table below.

Top Picks

Listed below are a few great options worth considering if you're looking for a no-annual fee airline card.

barclays jetblue card Barclays JetBlue Card

The no-annual fee Barclays JetBlue Card earns 3 JetBlue Points per $1 spent on JetBlue, 2 points per $1 spent at restaurants and grocery stores, and 1 point per $1 on everything else. It offers 50% off in-flight (in the form of a statement credit) for purchases of cocktails and food purchases.

aadvantage mileup card Citi AAdvantage MileUp Card

The Citi AAdvantage MileUp Card is a great no-annual fee card that earns 2 AAdvantage Miles per $1 spent on American Airlines and grocery purchases. If offers 25% off in-flight puchases (in the form of a statement credit).

delta skymiles blue amex card Delta SkyMiles Blue AMEX Card

Delta offers it's own no-annual fee card called the Delta SkyMiles Blue AMEX Card. It earns 2 Delta SkyMiles per $1 spent on Delta Airlines and restaurant purchases and 1 SkyMile per $1 on everything else. The card offers 20% off in-flight purchases, access to Delta's Pay with Miles, and ShopRunner membership.

united gateway card United Gateway 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).

free spirit travel mastercard Free Spirit Travel Mastercard

The Free Spirit Travel Mastercard is a no-annual fee card that earns 2 Spirit Points per $1 spent with Spirit and 1 point per $1 spent on everything else. It comes with a good amount of benefits including bonus points after spending $10,000 during the year, access to point pooling, 25% in-flight savings on food and beverage purchases, and Zone 2 boarding.

Alternative Options

If you have no interest in the cards above or you would prefer to earn rewards that aren't tied to a specific airline, there's a great amount of no-annual-fee options you can choose from. Some of my top picks for spending tied specifically to airfare include:

  • Bank of America Cash Rewards Card
    • Earn 3% cash back on a category of your choosing with airfare being one of the possible categories.
    • Earn up to a 75% bonus based on how much money you have invested with Bank of America for up to 5.25% back on airfare spend.
  • Wells Fargo Propel AMEX Card
    • Earns 3 Go Far Rewards Points per $1 spent on travel (includes gas), dining, and streaming services.
    • Points are worth 1 cent each meaning this is equal to a 3% return when spending across bonus categories.
    • Pair this with the no-annual fee Wells Fargo Visa Signature Card to bump up the point value to 1.5 cents each for a 4.5% return across bonus categories and 1.5% on all non-category spend.
  • Citi Double Cash
    • Earn 2% cash back on all purchases; 1% back on the purchase and 1% back when you pay off that purchase.
    • Straighforward and simple 2% cash back card which makes for easy redemptions.
    • Earned cash back can be converted to ThankYou Rewards Points which gives the card significantly more value.
  • Citi Costco Anywhere Card
    • Earns 4% back on gas, 3% back on travel and restaurant, 2% back with Costco, and 1% back on everything else.
    • If you already shop at Costco, this is a great way to easily maximize your Costco Rewards on travel spend.

If you want to calculate which credit cards earn you the best return across airline spend, you can check out the Best Credit Cards For Airline Purchases calculator. If you want to find the best cards across any category of spend, you can check out our most popular tool Search For Credit Cards By Spend.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'More Info' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

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.
Loading Categories...
Currently Selected:

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.
Loading...

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, you can leave it set to a duration of '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).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.

Bank

The bank that issues the card. De-select the banks that you do not want in the results.

Network

The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.

Personal/Business

Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.

Results

Do note that results may take a few seconds to generate after doing a search.
You can click on the 'More Info' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
Results Will Appear Here

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU