Best no-annual-fee miles credit cards (October 2026)

Ranked by net value (yearly miles minus the annual fee) at $3,000/mo, Economy · Short-haul. We compared all 6 eligible cards.

  1. 1CitiAmerican Airlines AAdvantage MileUp CardEarns AAdvantage®Miles a year42,500Annual fee$0Net value+$537.20
  2. 2CitiCiti Strata CardEarns AAdvantage® · Flying Blue · AviosMiles a year41,300Annual fee$0Net value+$522.03
  3. 3Capital OneCapital One VentureOne Rewards Credit CardEarns Aeroplan® · Flying Blue · AviosMiles a year45,800Annual fee$0Net value+$521.98
  4. 4American ExpressDelta SkyMiles® Blue American Express CardEarns SkyMiles®Miles a year40,800Annual fee$0Net value+$493.35
  5. 5Cardless (Bilt)Bilt Blue CardEarns MileagePlus® · Aeroplan® · Flying Blue · AviosMiles a year37,900Annual fee$0Net value+$431.95
  6. 6ChaseUnited Gateway℠ CardEarns MileagePlus®Miles a year39,000Annual fee$0Net value+$390.16
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Based on issuer disclosures as of 2026-10-01. How we calculate

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