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 Card

Best for Overall Value

No Annual Fee
Hilton Honors American Express Card
  • bonus_miles_full
  • 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 (Rates and Fees)
Learn How to Apply Our Review
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The Hilton Honors American Express Card (review) 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. The Blue Business® Plus Credit Card from American Express

Best for Everyday Business Spending

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • bonus_miles_full
  • Potential Higher Bonus via Special Offer.
  • 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, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
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The Blue Business® Plus Credit Card from American Express (review) 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 on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

3. Blue Cash Everyday® Card from American Express

Best for Everyday Spending

No Annual Fee
Blue Cash Everyday® Card from American Express
  • bonus_miles_full
  • 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)
  • 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
  • No Annual Fee (rates & fees)
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The Blue Cash Everyday® Card from American Express is a great 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 $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)

Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit

4. The American Express Blue Business Cash™ Card

Best for Cashback on Business Expenses

No Annual Fee
The American Express Blue Business Cash™ Card
  • bonus_miles_full
  • Potential Higher Bonus via Referral.
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
Learn More Our Review
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The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).

The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses. 

5. Amazon Business Prime American Express Card

Best for Spending at Amazon

No Annual Fee
Amazon Business Prime American Express Card
  • bonus_miles_full
  • 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market with an eligible Prime membership (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 & fees)

Click Here to Learn How to Apply

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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

Best for Groceries

No Annual Fee
Amex EveryDay® Credit Card
  • Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 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 17.99% to 28.99%)
  • No Annual Fee (Rates and Fees)
Learn More Our Review
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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

Best for Delta Frequent Flyers

No Annual Fee
Delta SkyMiles® Blue American Express Card
  • bonus_miles_full
  • 2X SkyMiles Per Dollar on Delta Air Lines
  • 2x SkyMiles Per Dollar at Restaurants worldwide (including takeout & delivery in the U.S.)
  • 20% Statement Credit on Delta In-Flight Purchases
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
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The Delta SkyMiles® Blue American Express Card (review) is a no-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

Best for Simplicity

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
  • Secondary Rental Car Insurance
  • No Annual Fee (Rates and Fees)
Learn More Our Review
All information about this card has been collected independently by Deals Points; 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.

For rates and fees of the Hilton Honors American Express Card, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the Amazon Business Prime American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

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