Paying an annual fee doesn’t have to mean spending hundreds of dollars.
Plenty of excellent credit cards charge less than $100 annually while still offering valuable rewards, travel perks and statement credits that can easily outweigh the cost for the right cardholder.
Limited-time offer on the Chase Sapphire Preferred® Card: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Whether you’re looking to earn transferable points, maximize cash back or enjoy travel perks, these are the best credit cards with annual fees under $100.
Best Credit Cards With Annual Fees Under $100
- Chase Sapphire Preferred® Card: Best for earning Chase Ultimate Rewards points on travel and dining
- Ink Business Preferred® Credit Card: 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: Best for Marriott stays
- Wells Fargo Autograph Journey℠ Card: Best for earning Wells Fargo Rewards
Comparison of the Best Credit Cards With Annual Fees Under $100
| Card | Welcome Offer | Earning Rates | Annual Fee |
|---|---|---|---|
| Chase Sapphire Preferred Card | Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening. | 5x on Chase Travel℠, Lyft (through Sept. 30, 2027), and Peloton purchases of $150+ (through Dec. 31, 2027, up to 25,000 bonus points); 3x on dining, select streaming, gas/EV charging, vacation rentals, and online groceries (excluding Target, Walmart, wholesale clubs); 2x on all other travel; 1x on everything else | $95 |
| Ink Business Preferred Credit Card | Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. | 3x on travel, shipping, internet, cable, phone services, and social media/search engine advertising (on up to $150,000 in combined purchases per account anniversary year); 1x on everything else | $95 |
| Capital One Venture Rewards Credit Card | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. | 5x on hotels, vacation rentals, and rental cars booked through Capital One Travel and on Capital One Entertainment purchases; 2x on every purchase | $95 |
| Blue Cash Preferred Card from American Express | Eligible cardholders can earn as high as $300 cash back after spending $3,000 on purchases in the first six months of card membership. (Welcome offers vary. Cash back is received as Reward Dollars redeemable as a statement credit or at Amazon.com checkout.) | 6% at U.S. supermarkets (up to $6,000/year, then 1%); 6% on select U.S. streaming subscriptions; 3% on transit and U.S. gas stations; 1% on other eligible purchases | $0 intro annual fee for the first year, then $95 |
| Capital One Savor Cash Rewards Credit Card | Earn a $250 cash bonus after spending $500 on purchases within the first three months from account opening. | 8% on Capital One Entertainment purchases; 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel; 3% on dining, qualifying entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target); 1% on all other purchases | $0 |
| Marriott Bonvoy Boundless Credit Card | Earn 125,000 bonus points and a free night award (valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Also earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases. (Certain hotels have resort fees.) | Up to 17x at participating Marriott Bonvoy hotels; 3x on the first $6,000 spent per year on gas stations, grocery stores, and dining; 2x on everything else | $95 |
| Wells Fargo Autograph Journey Card | Earn 60,000 points after spending $4,000 on purchases within the first three months from account opening. | 5x at hotels; 4x on airline purchases; 3x on other travel and restaurant purchases; 1x on all other purchases | $95 |
Now that you have a snapshot of how these cards compare, here are the details.
Chase Sapphire Preferred
The Chase Sapphire Preferred has long been considered one of the top travel rewards cards with an annual fee under $100, thanks to its valuable earning rates and flexible Chase Ultimate Rewards points that can be transferred to a wide range of airline and hotel partners or redeemed through the Chase Travel portal at strong value.
