No-Annual-Fee Miles Credit Cards in the US
🇺🇸 12 cards in United States are recorded with a zero annual fee and no mandatory rewards charge.
Catalog checked 2026-10-20. Figures are in USD and come from issuer and program sources linked on each card profile.
At a glance
- 12 cards from 7 issuers: Capital One, Wells Fargo, Chase, American Express, Barclays, Citi, Bilt.
- Recorded annual cost runs from $0 (Capital One VentureOne Rewards) to $0 (Bilt Blue Card).
- Most recorded airline partners: Capital One VentureOne Business (22). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| Citi AAdvantage MileUp Card | $0 | 2 miles per USD 1 on American Airlines purchases and at grocery stores; 1 on all other purchases. | American Airlines AAdvantage miles · Direct miles | American Airlines AAdvantage | 2026-10-20 |
| Wells Fargo Autograph | $0 | 1 Wells Fargo Rewards point per USD 1 other purchases; 3 on eligible restaurants, travel, gas/EV charging, transit, popular streaming and phone plans. | Wells Fargo Rewards points · Bank points | Not verified | 2026-10-14 |
| Bilt Blue Card | $0 | 1 Bilt Point per USD 1 on other purchases; up to 4 at Bilt partner restaurants; up to 3 on hotels and 2 on flights booked via the Bilt travel portal; up to 1.25 on… | Bilt Points · Bank points | Southwest Airlines Rapid Rewards, Qatar Airways Privilege Club, Japan Airlines Mileage Bank, JetBlue TrueBlue, Wyndham Rewards, I Prefer Hotel Rewards | 2026-10-20 |
| American Express Blue Business Plus | $0 | 2 points per USD 1 on the first USD 50,000 of eligible purchases per calendar year, then 1; AmexTravel.com purchases also earn 2 and do not count toward the USD 50,000. | Membership Rewards points · Bank points | Not verified | 2026-10-20 |
| Citi Strata Card | $0 | 5 points per USD 1 on hotels, car rentals and attractions booked on cititravel.com; 3 at supermarkets, gas and EV charging stations/select transit, and one self-select… | ThankYou points · Bank points | American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, EVA Air, Choice Privileges, The Leading Hotels of the World | 2026-10-20 |
| American Express Delta SkyMiles Blue | $0 | 2 miles per USD 1 on Delta purchases and at restaurants worldwide (incl. U.S. takeout/delivery); 1 on all other purchases. | Delta SkyMiles · Direct miles | Not verified | 2026-10-20 |
| Chase Freedom Flex | $0 | 1 Ultimate Rewards point per USD 1 other purchases; 3 on dining and drugstores; 5 through Chase Travel, plus 5 on up to USD 1,500 combined quarterly bonus-category… | Ultimate Rewards points · Requires another card | Not verified | 2026-10-14 |
| Chase Freedom Unlimited | $0 | 1.5 Ultimate Rewards points per USD 1 other purchases; 3 on dining and drugstores; 5 through Chase Travel. | Ultimate Rewards points · Requires another card | Not verified | 2026-10-14 |
| Barclays JetBlue Card | $0 | 3 points per USD 1 on eligible JetBlue purchases; 2 at restaurants and eligible grocery stores; 1 on all other purchases. | JetBlue TrueBlue points · Direct miles | JetBlue TrueBlue | 2026-10-20 |
| Chase United Gateway | $0 | 2 miles per USD 1 on United purchases, gas stations, and local transit/commuting; 1 on all other purchases. Up to 5 total miles per USD 1 on eligible United flights. | United MileagePlus miles · Direct miles | Not verified | 2026-10-20 |
| Capital One VentureOne Business | $0 | 1.5 miles per USD 1 on every purchase; 5 on hotels, vacation rentals and rental cars booked through Capital One Business Travel. | Capital One miles · Bank points | Aeromexico Rewards, Air Canada Aeroplan, Avianca LifeMiles, British Airways Executive Club, Cathay Pacific Asia Miles, Etihad Guest, Finnair Plus, Air France KLM Flying Blue and 14 more | 2026-10-20 |
| Capital One VentureOne Rewards | $0 | 1.25 miles per USD 1 on every purchase; 5 on hotels, vacation rentals and rental cars booked through Capital One Travel. | Capital One miles · Bank points | Not verified | 2026-10-20 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
A zero annual fee does not mean zero cost: interest, foreign-transaction charges and optional rewards fees are not part of this comparison. First-year waivers are not listed here; only a permanently recorded zero fee counts.
Related guides for United States
- All United States mileage cards
- Transferable Points Credit Cards in the US
- Airline Co-Branded Credit Cards in the US
- Business Credit Cards That Earn Miles in the US
- Hotel Credit Cards That Convert to Airline Miles in the US
- Singapore Airlines KrisFlyer credit cards in the US
- Cathay Pacific Asia Miles credit cards in the US
- Air France–KLM Flying Blue credit cards in the US
- Qatar Airways Privilege Club credit cards in the US
- British Airways Club credit cards in the US
- Virgin Atlantic Flying Club credit cards in the US
- American Airlines AAdvantage program guide
- British Airways Club program guide
- Cathay Pacific Asia Miles program guide
- Finnair Plus program guide
- Air France–KLM Flying Blue program guide
- Qantas Frequent Flyer program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview