105. The Best No Annual Fee Credit Cards for Points and Miles

Points Talk with the Travel Mom Squad

Thinking about diving into points and miles but feeling overwhelmed by annual fees? You’re not alone! In this episode, we’re breaking down our favorite no-annual-fee credit cards and those with annual fees waived for the first year. These cards are not only budget-friendly but also offer incredible rewards to help you travel more for less.

Chase Freedom Flex: A Keeper in Every Wallet Alex kicks off the episode with her top pick, the Chase Freedom Flex. This no-annual-fee card earns Chase Ultimate Rewards points and offers 5% back on rotating categories like PayPal and grocery stores. With a 20,000-point welcome offer after spending just $500, this card can easily cover a one-way flight to Europe. Alex highlights how pairing this with a Chase Sapphire card allows you to transfer points to travel partners, unlocking even more value.

Chase Ink Business Cards: Pam’s Love Language Pam shares her favorite no-annual-fee business cards, the Chase Ink Cash and Chase Ink Unlimited. These powerhouse cards earn Ultimate Rewards points on categories like office supply stores and internet or offer a flat 1.5% back on every purchase. With a whopping 75,000-point welcome offer (after spending $6,000), these cards are a cornerstone of her strategy for racking up points.

Maximizing American Express Options Jess introduces the Amex Blue Business Plus card, a no-annual-fee option that earns 2X Membership Rewards points on every purchase up to $50,000 annually. She also mentions the Hilton Honors card, which comes with no annual fee and Hilton Silver status, unlocking perks like the fifth night free on award stays. For anyone looking to maintain Hilton points without paying a fee, this is a fantastic option.

Waived Annual Fees: United and American Airlines Cards The team also highlights cards like the United Explorer and Citi AAdvantage Platinum Select, which waive their annual fees the first year. These cards offer valuable perks like free checked bags, priority boarding, and extra award availability for flights.

No-Fee Travel Wins From Alex’s PayPal points strategies to Jess’s tips on tracking targeted offers, this episode proves that no-annual-fee cards can still pack a punch. Whether you’re just starting with points and miles or looking to add another card to your wallet, these recommendations are the perfect way to travel smarter without extra costs.

Links For This Episode:

• Chase Freedom Flex℠: https://travelmomsquad.com/cff

• Chase Freedom Unlimited®: http://travelmomsquad.com/cfu

• Ink Business Cash® Credit Card: https://travelmomsquad.com/cic

• Ink Business Unlimited® Credit Card: https://travelmomsquad.com/ciu

• United℠ Explorer Card: https://travelmomsquad.com/uecp

• United℠ Business Card: http://travelmomsquad.com/ubc

• How to Qualify for a Business Card

Links For All Things Travel Mom Squad: stan.store/travelmomsquad

Episode Minute By Minute:

• 00:30 – Introduction: Why No-Annual-Fee Cards Matter
• 01:37 – Chase Freedom Flex: Rotating Categories and Welcome Offers
• 06:00 – Pam’s Favorite: Chase Ink Business Cards
• 16:00 – American Express Options for Hilton and Membership Rewards
• 23:00 – United Explorer and AAdvantage Platinum Select Benefits
• 30:00 – Wrapping Up: Maximize Value Without Annual Fees