Guides

Miles cards with no annual fee

Updated October 22, 2026

Cards that earn miles with no annual fee, followed by the lowest-fee cards.

Lowest-fee cards

CitiAmerican Airlines AAdvantage MileUp CardAnnual fee $0 · 1 mi / $1American ExpressDelta SkyMiles® Blue American Express CardAnnual fee $0 · 1 mi / $1ChaseUnited Gateway℠ CardAnnual fee $0 · 1 mi / $1CitiCiti Strata CardAnnual fee $0 · 0.7 mi / $1

A good fit if

  • You spend too little to earn back an annual fee in miles
  • You are just starting to collect miles
  • You already have a main card and want a second card for extra miles

Check before you choose

  • Low- or no-fee cards usually earn at a lower rate.
  • Check earn caps and any minimum spend.
Try it with your spendingEnter your monthly spend to see yearly miles and net value for every card.
See the card ranking →

More guides

What is a mile worth?Read →How to use miles by airlineRead →Does the annual fee pay off?Read →