8 Best American Express No Annual Fee Cards

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American Express offers some of the best no annual fee credit cards on the market.

Whether you’re looking to earn points or cash back, there’s a card on this list for you.

We’ll also be discussing some of the benefits of each card, so you can make the best decision for your needs.

No Annual Fee

1. Hilton Honors American Express

Best for Benefits at Hilton

No Annual Fee
Hilton Honors American Express Card
  • Earn 100,000 Points After $1,000 in Purchases in the First 3 Months. Plus, a $100 Statement Credit for Eligible Hilton Purchases in the First 12 Months.
  • 7X Points at Hilton Hotels and Resorts
  • 5X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
  • Complimentary Hilton Honors Silver Status
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
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Terms Apply

The Hilton Honors American Express is a great no-annual-fee card that earns 7x Hilton Honors points at Hilton properties and 5x points at restaurants, supermarkets, and gas stations in the U.S. 

This practical card also gets you complimentary Silver status, which comes with standard perks like a fifth night free on award stays and a 15% points bonus on Hilton stays. 

Plus, you have the opportunity to reach Gold status by spending $20,000 per year.  

2. Blue Business® Plus Credit Card from American Express

Best for Everyday Business Spending

2x Points on Everyday Spending
Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 15.49% – 23.49%.
  • No Annual Fee (Rates and Fees)
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Terms Apply

The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point per dollar on all of your purchases.

The ability to earn 2x points makes the Blue Business Plus one of the best cards for everyday spending.

3. Blue Cash Everyday® Card from American Express

Best for Spending Online, U.S. Supermarkets, and U.S. Gas Stations

No Annual Fee
Blue Cash Everyday® Card from American Express
  • Earn a $200 Statement Credit After $2,000 Eligible Purchases in the First 6 Months
  • 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
  • $7 Monthly Credit for the Disney Bundle
  • Up to $15 Monthly Home Chef Credit
  • No Annual Fee (Rates and Fees)
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Terms Apply; Enrollment Required for Some Benefits

The Blue Cash Everyday® Card from American Express is good no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).

The Blue Cash also offers a $7 monthly credit for the Disney Bundle (Disney+, ESPN+, and Hulu) and a $15 monthly Home Chef credit.

4. American Express Blue Business Cash™ Card

Best for Cash Back

No Annual Fee
American Express Blue Business Cash™ Card
  • Earn a $250 Statement Credit After $3,000 in Eligible Purchases in the First 3 Months
  • 2% Cash Back On Up to $50,000 Per Year
  • 0% Intro APR on Purchases for 12 Months. After that, a variable rate of 15.49% – 23.49% applies.
  • No Annual Fee (Rates and Fees)
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Terms Apply

The American Express Blue Business Cash™ Card offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cash back rate on all qualifying purchases up to $50,000 each year.

Offering an expanded buying power, the Blue Business Cash gives your business the flexibility to spend above your credit limit for your business expenses. 

5. Amazon Business Prime Card

Best for Spending at Amazon

No Annual Fee
Amazon Business Prime American Express Card
  • Earn a $125 Amazon.com Gift Card Upon Approval
  • 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market (up to $120,000 in purchases each calendar year)
  • 2% Back at U.S. Restaurants, U.S. Gas Stations, and U.S. Wireless Phone Services
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
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Terms Apply

The Amazon Business Prime American Express Card is a good choice for businesses who frequently spend at Amazon.com, AWS, Amazon Business, and Whole Foods because you get 5% cash back or 90-day terms on the first $120,000 in purchases each calendar year (1% back thereafter). 

6. Amex EveryDay® Credit Card

Earn Membership Rewards Points

No Annual Fee
American Express EveryDay
  • Earn 10,000 Membership Rewards Points After $2,000 in Eligible Purchases in the First 3 Months
  • 2X Points at U.S. Supermarkets (up to $6,000 per year)
  • 20% Extra Points When You Make 20 or More Purchases
  • 0% Intro APR for 15 Months (thereafter, a variable rate of 15.24% to 26.24%)
  • No Annual Fee (Rates and Fees)
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Non-Affiliate Link; Terms Apply

The American Express EveryDay is a zero-annual-fee card that earns 2 Membership Rewards points per dollar at U.S. supermarkets, and 1 point per dollar on all other spending. 

Plus, you can score 20% additional points when you use your EveryDay card at least 20 times within a billing period. 

7. Delta SkyMiles® Blue American Express Card

Extra Points at Restaurants and with Delta Air Lines

No Annual Fee
Delta SkyMiles® Blue American Express Card
  • Earn 10,000 Delta SkyMiles After $500 in Eligible Purchases in the First 3 Months
  • 2X SkyMiles Per Dollar on Delta Air Lines
  • 2x Points Per Dollar at Restaurants Worldwide, and Takeout and Food Delivery in the U.S.
  • 20% Statement Credit on Delta In-Flight Purchases
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
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Terms Apply

The Delta SkyMiles® Blue American Express Card is a zero-annual-fee card that earns 2x SkyMiles at restaurants worldwide, including U.S. takeout and delivery, and 2x SkyMiles on Delta purchases. 

Plus, you receive 20% savings in statement credits on Delta in-flight food and drinks and up to a $50 discount on flights booked on delta.com for every 5,000 miles redeemed via Pay With Miles.

8. Cash Magnet® Card from American Express

1.5% Cash Back Everywhere

No Annual Fee
Cash Magnet® Card From American Express
  • Earn a $200 Statement Credit After $2,000 in Eligible Purchases in the First 6 Months
  • Unlimited 1.5% Cash Back on All Eligible Purchases
  • 0% Intro APR on Purchases for 15 Months, After That, a Variable APR of 16.24% to 26.24%.
  • No Annual Fee (Rates and Fees)
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Non-Affiliate Link; Terms Apply

The Cash Magnet® Card From American Express is a basic cash-back card with a solid 1.5% earning rate on all of your purchases and a nice welcome offer of $200 cash back after spending $2,000 in purchases in the first 6 months of card membership.

However, several other no-annual-fee cash back cards offer at least 2% cash back on all spending, including the Citi® Double Cash Card.