The 7 best credit cards with annual fees under $100
Editor's Note
Annual fees are generally worth it when you can maximize a credit card's benefits and earning structure. But it's understandable if you're hesitant to add several premium travel rewards cards with high annual fees to your wallet.
Luckily, with competition fierce among card issuers for new customers, many of the best credit cards have annual fees of under $100. These are our top picks.
Best credit cards with annual fees under $100
- Chase Sapphire Preferred® Card (see rates and fees): Best for earning Chase Ultimate Rewards points on travel and dining
- Ink Business Preferred® Credit Card (see rates and fees): Best for business spending
- Capital One Venture Rewards Credit Card: Best for everyday nonbonus spending
- Blue Cash Preferred® Card from American Express: Best for earning cash back at U.S. supermarkets and on select U.S. streaming subscriptions
- Capital One Savor Cash Rewards Credit Card: Best for dining and entertainment
- Marriott Bonvoy Boundless® Credit Card (see rates and fees): Best for Marriott stays
- Wells Fargo Autograph Journey℠ Card (see rates and fees): Best for earning Wells Fargo Rewards
Comparison of the best credit cards with annual fees under $100
| Card | Welcome offer | Earning rates | Annual fee |
|---|---|---|---|
Earn 75,000 bonus points after you spend $5,000 on purchases in the first three months from account opening. |
| $95 | |
Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. |
| $95 | |
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
| $95 | |
Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. |
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. | $0 introductory annual fee for first year, then $95 (see rates and fees) | |
Earn a $200 cash bonus after spending $500 on purchases within the first three months from account opening. |
| $0 | |
Earn three free night awards* after spending $3,000 on purchases in the first three months from account opening. Plus, earn an additional free night award* after spending a total of $4,000 on purchases in the first four months from account opening. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases.
*Nights are valued at up to 50,000 points each. Certain hotels have resort fees. |
| $95 | |
Earn 60,000 points after spending $4,000 on purchases within the first three months from account opening. |
| $95 |
Now that you have a snapshot of how these cards compare, here are the details.
Chase Sapphire Preferred Card
You could argue that the Chase Sapphire Preferred ignited the sub-$100 market segment when it started offering 3 points per dollar on dining and 2 per dollar on travel (plus several other categories).
Annual fee: $95
Current welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
Why it's worth it: The Sapphire Preferred consistently makes any list of the best travel credit cards, which is no surprise because you can get great value from Chase Ultimate Rewards points by transferring to Chase's airline and hotel partners.
This card also gives you up to 1.75 cents per point in value when you redeem for travel through Chase Travel (depending on the specific redemption; see your rewards program agreement for full details). There are no foreign transaction fees.
For more information, see our full review of the Chase Sapphire Preferred Card.
Apply here: Chase Sapphire Preferred Card
Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is one of the best small-business cards on the market.
Annual fee: $95
Current welcome offer: Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
Why it's worth it: This card offers 3 Ultimate Rewards points per dollar on up to $150,000 spent each account anniversary year in combined purchases on travel, shipping, internet, cable and phone services and advertising purchases made with social media sites and search engines. You earn 1 point per dollar spent elsewhere.
You can transfer points to airline and hotel programs and receive up to 1.75 cents per point when redeeming your points for travel in the Chase Travel portal (depending on the specific redemption; see your rewards program agreement for full details).
This card has plenty of travel insurance and purchase protections, including a cellphone protection plan.
For more information, see our full review of the Ink Business Preferred Credit Card.
Learn more: Ink Business Preferred Credit Card
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is excellent for casual travelers and those looking for a card that will earn consistently on everyday purchases. After all, you'll earn at least 2 miles per dollar on every purchase.
Annual fee: $95
Current welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Why it's worth it: There are plenty of ways to use your Capital One miles for maximum value. While you can redeem your miles by transferring to airline and hotel partners, you can also redeem at a fixed value for eligible purchases.
For more information, see our full review of the Capital One Venture Rewards Credit Card.
Learn more: Capital One Venture Rewards Credit Card
Blue Cash Preferred Card from American Express
The Blue Cash Preferred is one of the best cash-back cards out there.
Annual fee: $0 introductory annual fee for first year, then $95
Current welcome offer: Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Why it's worth it: You'll earn 6% cash back on select U.S. streaming services and on the first $6,000 spent at U.S. supermarkets per calendar year (then 1% cash back). You'll also earn 3% cash back at U.S. gas stations and transit and 1% cash back on everything else. Cash back is received as Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
For more information, see our full review of the Blue Cash Preferred Card.
Apply here: Blue Cash Preferred Card
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is a great cash-back credit card. Specifically, you'll earn 3% cash back on dining, entertainment and popular streaming services, 3% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases.
Annual fee: $0
Current welcome offer: Earn a $200 cash bonus once you spend $500 on purchases within three months from account opening.
Why it's worth it: If you also have the Capital One Venture Rewards card, you can convert your cash-back earnings to miles. So, you could earn 4 miles per dollar on dining and entertainment and 3 miles per dollar at grocery stores if you have both these cards.
For more information, see our full review of the Capital One Savor.
Learn more: Capital One Savor Cash Rewards Credit Card
Marriott Bonvoy Boundless Credit Card
The Marriott Bonvoy Boundless Credit Card comes with automatic Silver Elite status, 15 elite night credits each year and a free night certificate on each account anniversary that's valid at any Marriott property costing 35,000 points or less.
Annual fee: $95
Current welcome offer: Earn three free night awards* after spending $3,000 on purchases in the first three months from account opening. Plus, earn an additional free night award* after spending a total of $4,000 on purchases in the first four months from account opening. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases.
*Nights are valued at up to 50,000 points each. Certain hotels have resort fees.
Why it's worth it: You'll earn up to 17 Bonvoy points per dollar spent at participating Marriott Bonvoy hotels, 3 points per dollar on the first $6,000 spent in combined purchases each year on gas stations, grocery stores and dining and 2 points per dollar spent everywhere else.
Marriott Bonvoy points are easy to redeem for both hotel awards and transfers to airline partners.
For more information, see our full review of the Marriott Bonvoy Boundless.
Apply here: Marriott Bonvoy Boundless Credit Card
Wells Fargo Autograph Journey Card
The Wells Fargo Autograph Journey is an upgraded mid-tier version of the no-annual-fee Wells Fargo Autograph® Card (see rates and fees). It comes with perks like a $50 annual statement credit for airline purchases (with a $50 minimum airline purchase) and more valuable earnings rates on travel and dining purchases.
Annual fee: $95
Current welcome offer: Earn 60,000 bonus points after spending $4,000 in the first three months of account opening.
Why it's worth it: Look for this card to grow in value as the refreshed Wells Fargo Rewards program continues to add transfer partners. Right now, you can transfer your points to seven partners, including Air France-KLM Flying Blue, Virgin Atlantic Flying Club and Choice Privileges.
For more information, see our full review of the Autograph Journey.
Apply here: Wells Fargo Autograph Journey
Bottom line
Evaluating whether a credit card with an annual fee makes sense is important. Although this isn't a comprehensive list of all the credit cards with low annual fees, these are our favorites and some of the best on the market.
By picking up one of these cards and maximizing its respective bonus categories (and welcome offers), you'll be well on your way toward your next travel adventure. Sometimes, it pays to have a card with a small annual fee, whether moving up from a no-annual-fee card or pairing it with a premium travel rewards card.
If you use your card to spend in its bonus categories and redeem worthwhile rewards, you can reap much more value than its annual fee.
Related: How to decide if a credit card's annual fee is worth paying
For rates and fees of the Blue Cash Preferred, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.