Best miles credit cards with no minimum monthly spend (October 2026)

Ranked by net value (yearly miles minus the annual fee) at ₩2,000,000/mo, Economy · Short-haul. We compared all 33 eligible cards.

  1. 1Lotte CardDIGILOCA SKYPASSNo min. spendMiles a year26,400Annual fee₩20,000Net value+₩167,440
  2. 2Woori CardCard-ui Jeongseok EVERY MILE SKYPASSNo min. spendMiles a year26,400Annual fee₩39,000Net value+₩148,440
  3. 3Samsung CardSamsung Card & MILEAGE PLATINUM (SKYPASS)No min. spendMiles a year27,400Annual fee₩49,000Net value+₩145,540
  4. 4KB Kookmin CardKB Kookmin SKYPASS Titanium CardNo min. spendMiles a year26,500Annual fee₩45,000Net value+₩143,150
  5. 5Hana CardHana SKYPASS American Express Platinum CardNo min. spendMiles a year26,400Annual fee₩45,000Net value+₩142,440
  6. 6Hana CardHana Mile 1.6 Korean AirNo min. spendMiles a year25,900Annual fee₩45,000Net value+₩138,890
  7. 7BC CardBC Baro Air Master CardNo min. spendMiles a year23,300Annual fee₩29,000Net value+₩136,430
  8. 8BC CardBC Baro Air Max CardNo min. spendMiles a year24,000Annual fee₩43,000Net value+₩127,400
  9. 9KB Kookmin CardKB Kookmin Mileage Gaon Card (Korean Air)No min. spendMiles a year17,600Annual fee₩20,000Net value+₩104,960
  10. 10NH CardNH Chaeum SKYPASS CardNo min. spendMiles a year16,800Annual fee₩15,000Net value+₩104,280
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Based on issuer disclosures as of 2026-10-01. How we calculate

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