Top Low-Fee Credit Cards for Rewards

Hey there, fellow psychonauts of fiscal responsibility! Fancy a rewarding credit card without diving into your bank account like it’s a theme park water slide? Good news! You don’t have to blow a fortune to snag a card that gives back generously. So, let’s talk about some great credit cards under $100 that won’t make your wallet weep.

In this friendly little chat, I’ve handpicked a handful of credit cards with annual fees that won’t break the bank. Some shine with long-term perks, others with lucrative everyday spending rewards, and a few have both. Now, before you click away, remember—you need to pick a card that aligns with your goals. There’s no “one-size-fits-all” here. These are just options with broad appeal. And nope, we’re skipping the no-fee cards since that’s another tale for another time.

The Best Low-Fee Personal Credit Cards

In the quest for personal credit cards with under $100 annual fees, look out for those earning the best points, offering robust travel protection, and boasting perks that make every penny count. Here’s my rundown, in no particular special order.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card is the diamond in the rough of budget-friendly annual fee cards. At $95, it’s a keeper for anyone into travel rewards, offering excellent travel protection. Dining out and globetrotting? This card’s your new bestie.

• Killer return on spending with 3x points on dining and online groceries, 2x on travel, and a nifty 10% anniversary points bonus.
• A handy $50 hotel credit through the Chase Travel portal; no strings attached.
• Top-notch travel protection: think coverage for delayed flights, lost bags, and rental car mishaps.
• Points that you can transfer to airlines and hotels for fabulously luxurious redemptions.

Citi Strata Premier Card

For $95, the Citi Strata Premier® Card gives you a fighting chance to rack up points in the bonus categories. Trust me, this card is on a mission—getting you points faster than you could say “Val Seny ski resort”.

• Unrivaled bonus categories: 3x points on dining, gas, EV charging, groceries, airfare, and hotels.
• Transfer points to airlines and hotels at a straightforward 1:1 ratio.
• $100 hotel credit through the Citi Travel portal for accommodations on the pricy side.

Wells Fargo Autograph Journey Card

The Wells Fargo Autograph Journey Card is a promising companion for leaving no points unearned. The trick? Some say the points aren’t as valuable due to fewer partners, but that’s your call to make.

• Grab a $50 annual statement credit with a minimum $50 airline purchase—half the fee back in your pocket!
• Score points like an over-caffeinated squirrel: 5x on hotels, 4x on airlines, 3x on travel and dining, and 1x on everything else.

Capital One Venture Card

Swinging through with a fabulous $95 annual fee, the Capital One Venture Rewards Credit Card is for anyone out there who just wants simplicity. Use it everywhere and watch those rewards roll in.

• Drum roll… a flat 2x miles on all purchases. Simplicity at its finest.
• Cash in those miles for travels or other sweet transfers to partners.
• Some basic travel protection sprinkled on top for good measure.

IHG One Rewards Premier Card

Ah, the IHG One Rewards Premier Card—$99 annually gets you perks that shout, “This card is worth it!” even if spending isn’t its forte.

• A singularly useful anniversary free night certificate for a property costing up to 40,000 points a night.
• Automatically gain IHG One Rewards Platinum status—shine bright, you status chaser!
• A fourth night free on IHG redemptions, making those points stretch.
• Score a $50 United TravelBank credit annually, dropped off in gentle $25 doses biannually.

World of Hyatt Credit Card

The World of Hyatt Credit Card comes with a $95 tag and the kind of perks that practically beg you to sign up.

• An incredibly valuable anniversary free night certificate usable at a majority of hotels worldwide.
• Hyatt Discoverist status, giving you room upgrades, late checkout, and a taste of the high life.

The Best Low-Fee Business Credit Cards

Running a business and seeking cards with annual fees under $100? Let’s draw back the curtain on a few solid contenders.

Chase Ink Business Preferred Card

The Chase Ink Business Preferred® Card, for just $95, is a must-have for any business big or small. It’s got a big bonus, great returns, and perks aplenty.

• Stellar bonus categories: 3x points on travel, shipping, internet, cable, phone services, and advertising with social media/search engines for big spenders.
• Ooh, check out the convenient cell phone protection!
• Travel coverage, even for rental car adventures (or misadventures).
• Points usable for transferring to airlines and hotels, unlocking premium experiences.

Capital One Spark Miles Card

The Capital One Spark Miles Card, similar to its consumer cousin, keeps things simple with a $95 fee, waived for the first year. It’s all about raking in those miles.

• Straightforward 2x miles on every purchase—like clockwork.
• Redeem those valuable Capital One miles for travel purchases or partner transfers.
• Basic travel protection to ease your mind on the road.

IHG One Rewards Premier Business Card

The IHG One Rewards Premier Business Card mirrors the personal card version, offering similar perks for a $99 fee.

• Enjoy an anniversary free night certificate for properties up to 40,000 points a night.
• With IHG One Rewards Platinum status, reap numerous hotel perks like room upgrades.
• The cherry on top: a fourth night free on IHG award redemptions.\n
• Gain $50 in United TravelBank credit yearly, deposited biannually.

Bottom Line

And there you have it, the crème de la crème of personal and business cards under $100 a year. Each one offers something unique, whether it’s thrilling rewards, awesome travel protection, or just plain feel-good perks. Of course, this list is just scratching the surface. What’s your go-to credit card that keeps it under $100?

Note: Check out your card benefits, which may vary by issuer. Terms and exclusions apply.