Best miles credit cards with an annual fee of $100 or less (October 2026)

Ranked by net value (yearly miles minus the annual fee) at $3,000/mo, Economy · Short-haul. We compared all 15 eligible cards.

  1. 1CitiCiti Strata Premier CardEarns AAdvantage® · Flying Blue · AviosMiles a year66,400Annual fee$95Net value+$744.30
  2. 2Capital OneCapital One Venture Rewards Credit CardEarns Aeroplan® · Flying Blue · AviosMiles a year72,600Annual fee$95Net value+$732.42
  3. 3Bank of AmericaAir France KLM Visa Signature® Credit CardEarns Flying BlueMiles a year65,800Annual fee$89Net value+$655.20
  4. 4CitiAmerican Airlines AAdvantage MileUp CardEarns AAdvantage®Miles a year42,500Annual fee$0Net value+$537.20
  5. 5ChaseChase Sapphire Preferred® CardEarns MileagePlus® · Aeroplan® · Flying Blue · AviosMiles a year55,400Annual fee$95Net value+$536.39
  6. 6CitiCiti Strata CardEarns AAdvantage® · Flying Blue · AviosMiles a year41,300Annual fee$0Net value+$522.03
  7. 7Capital OneCapital One VentureOne Rewards Credit CardEarns Aeroplan® · Flying Blue · AviosMiles a year45,800Annual fee$0Net value+$521.98
  8. 8Cardless (Bilt)Bilt Obsidian CardEarns MileagePlus® · Aeroplan® · Flying Blue · AviosMiles a year54,100Annual fee$95Net value+$521.58
  9. 9American ExpressDelta SkyMiles® Blue American Express CardEarns SkyMiles®Miles a year40,800Annual fee$0Net value+$493.35
  10. 10CitiCiti / AAdvantage Platinum Select World Elite MastercardEarns AAdvantage®Miles a year42,400Annual fee$99Net value+$436.94
Different spending means a different ranking. You can also pick your route, cabin and season.
Recalculate with my spending →

Based on issuer disclosures as of 2026-10-01. How we calculate

More rankings