Best American Express Credit Cards With No Annual Fee Of February 2024
Many credit cards are available from American Express with no annual charge. These credit cards come with no yearly fee, so you can still take advantage of the cash back on purchases, point accumulation, and travel advantages.
- Hilton Honors American Express Card
- Blue Cash Everyday® Card from American Express
- American Express Cash Magnet® Card
- Amex EveryDay® Credit Card
- Delta SkyMiles® Blue American Express Card
Hilton Honors American Express Card
Although it’s not the best Hilton credit card out there, the Hilton Honours American Express Card (Terms apply, see rates & fees) is a good choice if you’re determined to have a Hilton card without an annual charge.
Rewards:- Get seven Hilton Honours points for every dollar spent on approved stays at hotels or resorts in the Hilton portfolio, five points for every dollar spent on approved meals at American eateries, American supermarkets and American gas stations, and three points for every dollar spent on any other approved transaction.
Welcome offer:- After using the card for $2,000 in purchases during the first six months of membership, earn 80,000 extra Hilton Honours points.
Annual fee:- $0
Other benefits and drawbacks:- With the Hilton Honours American Express Card, you may get Gold status after using the card for $20,000 during a year, in addition to automatic Silver status. Hilton Honours points, however, can be worth less than other hotel points, and the card offers very little in the way of perks other than Silver elite membership. It is advisable to think about alternative Hilton Honours credit cards if you are obtaining this card for status.
Also Read:- 7 Best Bitcoin ETFs Of February 2024
Blue Cash Everyday® Card from American Express
The American Express Blue Cash Everyday® Card is one option if you’re looking for a credit card that offers cash back on regular purchases without an annual fee.
Rewards:- Get 3% cash back on purchases made at US supermarkets, US petrol stations and US online retailers (up to $6,000 in total purchases per year in each category, after which 1% is awarded), and 1% cash back on other purchases. Reward Dollars, which are readily redeemed for statement credits or at the Amazon.com checkout, are the form in which cash back is obtained.
Welcome offer:- Earn $200 statement credit after spending $2,000 on purchases within the first 6 months.
Annual fee:- $0
Other benefits and drawbacks:- With the American Express Blue Cash Everyday® Card, you may earn more than average at grocery stores, petrol stations and online shops in the United States. Earnings in each category are limited to $6,000 annually, though. You will then only receive 1% reward back on these transactions after that. It can make sense to select a different card without a spending limit based on your purchasing patterns.
American Express Cash Magnet® Card
The American Express Cash Magnet® Card* is a suitable choice for those in search of a flat-rate cash-back card that comes with access to Amex Offers and limited travel protections.
Rewards:- Earn 1.5% cash back.
Welcome offer:- Earn $200 back after spending $2,000 in purchases within the first 6 months of card membership.
Other benefits and drawbacks:- For the first 15 months after account establishment, the American Express Cash Magnet® Card* offers 0% introductory APR on purchases and debt transfers. After that, there is a variable APR ranging from 19.24% to 29.99%. Balance transfers are helpful if you have a large purchase coming up, but they must be requested within 60 days of the account creation. There is a balance transfer charge of $5 or 3% of each transfer’s value, whichever is higher. Moreover, supplementary rental car loss and damage insurance is provided by the card.
Amex EveryDay® Credit Card
The Amex EveryDay® Credit Card offers a significant perk in addition to not having an annual fee: cardholders who make 20 or more transactions in a billing cycle will receive a 20% bonus on all points. If you want to start collecting Membership Rewards without having to pay an annual fee, this card is perfect for you.
Rewards:- Get 2 Membership Rewards points for every dollar spent at US supermarkets up to $6,000 annually (after that, 1X), 2 points for every dollar spent using the card to make travel reservations with American Express Travel, and 1 point for each qualifying dollar spent on all other transactions. Additionally, you may accrue 20% additional points on purchases made with the card 20 or more times within a billing cycle.
Welcome offer:- Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening.
Annual fee:- $0
Other benefits and drawbacks:- The Amex EveryDay® Credit Card* offers no annual fee access to transferable Membership Rewards points, even if some other American Express cards may earn greater rewards. Because of this, it’s a fantastic first card or a way to switch from an annual fee-based Membership Rewards American Express card. It also offers a 15-month 0% intro APR on purchases and debt transfers, with a variable regular APR of 18.24% to 29.24% after that. There is a $5 or 3%, whichever is higher, balance transfer charge.
Delta SkyMiles® Blue American Express Card
The Delta SkyMiles® Blue American Express Card is a possibility for those who wish to begin accruing Delta Miles (Terms apply, see rates & fees). With this card, you may pay with miles and receive 20% back on Delta in-flight purchases in the form of a statement credit. One of Delta’s more expensive co-branded credit cards could be more advantageous for frequent travellers.
Rewards:- Earn 2 miles per dollar on Delta purchases, at restaurants worldwide, and takeout and delivery in the U.S. and 1 mile per dollar on all other eligible purchases.
Welcome offer:- Earn 10,000 bonus miles after spending $1,000 in purchases on the card in the first 6 months.
Annual fee:- $0
Other benefits and drawbacks:- In addition to offering loss and damage protection for automobile rentals, the Delta SkyMiles® Blue American Express Card does not impose international transaction fees1. For qualified goods, consumer advantages like extended warranties and purchase protection are offered.
How To Apply for an American Express Credit Card
Applying for an American Express credit card can be done via mail or on the company website. A pre-qualification tool to gauge your chances of acceptance is available on the Amex website. Keep in mind that pre-qualification does not imply approval.
You will be required to submit personal information, including your name, address, Social Security number, employment details, and income, throughout the application process. You must be at least eighteen years old to be authorised. You must have a co-signer or provide evidence of independent income if you’re between the ages of 18 and 21.
Read More;- Best American Express Credit Cards for February 2024
1 thought on “Best American Express Credit Cards With No Annual Fee Of February 2024”