The 5 Best Credit Cards With Annual Fees Under $100

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. Thanks for your support!

While there are a lot of excellent premium credit cards with high annual fees, you don’t need to spend hundreds of dollars a year to get a card that offers incredible benefits. In this post I’d like to talk about five really rewarding credit cards with annual fees under $100. I’ve chosen these cards for different reasons — some for the long term perks they offer, some for the return on everyday spend they offer, and some for offering both.

In no particular order, here are five of my top picks:

Chase Sapphire Preferred® Card

Annual fee: $0 introductory annual fee the first year, then $95

There’s not a more well rounded card out there with an annual fee of under $100. This card offers a big sign-up bonus of 50,000+ points, double points on dining and travel, no foreign transaction fees, primary collision damage waiver coverage on rental cars, and excellent travel protection.

If you wanted just one credit card with a fairly low annual fee, this card would be my pick.

Car-Rental-Accident
I’m happy I paid with this card when I got rear ended in a rental car

IHG® Rewards Club Select Credit Card

Annual fee: $0 introductory annual fee the first year, then $49

Among premium hotel credit cards, the IHG card has among the lowest annual fees while also offering the most perks. There are three perks on this card that are most valuable:

  • An annual free night certificate valid at any IHG property in the world
  • IHG Platinum status for as long as you have the card
  • A 10% rebate on free night redemptions, up to 100,000 points per year

If nothing else, getting a free night at any IHG property in the world just for paying a $49 annual fee is an incredible deal, given that many of their hotels retail for $500+ per night.

InterContinental-DC
Use your annual free night certificate at any IHG property

The Amex EveryDay® Preferred Credit Card from American Express

Annual fee: $95

This is often my go to card for spend I’m in the U.S. While the card has foreign transaction fees and doesn’t offer great travel protection, it’s just about unbeatable for credit card spend within the U.S. The Amex EveryDay Preferred offers:

  • 3x points at U.S. supermarkets, up $6,000 per year
  • 2x points at U.S. gas stations
  • A 50% points bonus when you make at least 30 purchases per billing cycle

That means if you make 30 transactions per billing cycle you earn:

  • 4.5x points at U.S. supermarkets
  • 3x points at U.S. gas stations
  • 1.5x points on everyday purchases

Groceries-6
Earn up to 4.5x points at supermarkets

Starwood Preferred Guest® Business Credit Card from American Express

Annual fee: $0 introductory annual fee the first year, then $95

For return on everyday, non-bonused spend, the SPG Amex is tough to beat. The card offers one point per dollar spent, and those are points I value at ~2.2 cents each.

The card also comes with some other perks that really set it apart. For example, just for having this card you receive access to club lounges at Sheraton properties, which is potentially a very valuable perk. So this is a card I find to be worth holding onto long term.

Sheraton-Skyline-London-Heathrow-Hotel-28
Having this card gets you access to Sheraton club lounges

Ink Business Preferred℠ Credit Card

Annual fee: $95

This is Chase’s brand new business credit card, and offers an incredible return for a business card with such a low annual fee.

Specifically, the card offers 3x points on the first $150,000 spent each account year in combined purchases on travel, shipping, internet, cable and phone services, and advertising purchases made with social media sites and search engines.

Having a business card that earns triple points on all travel categories plus a bunch of other categories that businesses often spend a lot of money in is an incredible rewards structure.

Sapsan-Train-Business-Class - 5
Earn 3x points on travel, including train tickets

Bottom line

There are a lot of great credit cards out there, though the above are five of my favorites with annual fees of under $100 each. As you can see, the reasons I love them vary — the IHG Card offers an annual free night for just $49, while the Chase Sapphire Preferred offers among the most well rounded perks of any card out there.

What’s your favorite credit card with an annual fee of under $100?

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. I use Milwaukee Airport or Chicago Midway frequently for my domestic travels. Therefore, I do have Southwest Rapid Rewards card which is $99 annual fee but they also give you 6000 points free annually, which can be redeemed for a ticket around $120.

  2. Great article, Lucky.

    My favorite is the Ink Plus, which is no longer available via public links. However, luckily, it’s available through our referral links. Appreciate you giving us an opportunity to use our links. This is the final time you will be able to get this awesome card which gives various 5 x categories (such as office supply, etc.) Grab this while you still can, as you’ll never be able to get it again:

    https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&SPID=FHRQ&CELL=600G&MSC=1504705996

    My second favorite is the Ink Cash, which has no annual fee and has the same 5 x categories as the Ink Plus. The main difference is the 5 x category spending cap is $25,000 per cardmember year (as opposed to $50,000 for the Ink Plus) and you cannot transfer points to partners (but as long as you have another Chase premium card, such as the Sapphire Preferred, which Lucky mentions above, you can move the Ink Cash points to that card and then to the partner of your choice.) Another great card:

    https://applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FLFL&CELL=63HB&MSC=1504705996

    Good luck, folks!

  3. Marriott with 80k sign up
    Bonus, a free night annually and silver elite status annually with a fee of $85 is pretty good. Similar value to the IHG?

  4. Vincent G, was that sarcasm or for real?

    IHG = $49 AF = free night any hotel
    Marriott = $85 AF = free night cat 1-5 garbage hotels.

    Yes I know that there are Cat 5 hotels that are $100- $150 a night, but they are springhill suites on the middle of the highway very far from everything. Why would I spend I night there??

  5. Just a thought for Amex Everyday Preferred card

    I just got this card this week and was wondering how to get 30 charges per month. And then I came up with this idea. If you give to several charities, once a year, you can break it up and give smaller amounts each month when you need some extra charges.

    That way do not have to waste time filling up with gas 2 or 3 times a week when normally only do once.

    And they show your progress on your account as to how many charges have been made, so it is easy to keep track

Leave a Reply

Your email address will not be published. Required fields are marked *