Updated Mar 09, 2021 | Published Dec 03, 2020 • 3 min read
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At a glance
Here, you’ll find metal credit cards with no annual fees spanning general travel cards and several co-branded store cards. If you’re looking for a shiny new card, these are among the easiest metal credit cards to get.
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Which Metal Credit Cards Have No Annual Fees?
There’s only a handful of metal credit cards without annual fees. Drumroll please…
There are a few general-use reward cards, while the majority are co-branded with specific companies.
But if you’re willing to shell out an annual fee, you can find a much wider selection of metal credit cards to choose from, including a variety of premium travel cards with great perks that actually let you come out on top, even after the fee.
If you really want to throw your weight around.Heaviest Credit Cards: 2021
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
Earn 4X points on takeout, food delivery and dining
Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
$15 credit for annual streaming service purchases such as Netflix and Spotify
No annual fee*
1X point per $1 on all other eligible purchases
Low Introductory APR on purchases and balance transfers
You’ll also get a perk rarely seen on cards without yearly fees: an annual credit, in this case $15 that’ll automatically be put toward streaming services each year. That’s pretty much like getting a free month of a standard Netflix plan.
Read more4 Best Credit Cards for Streaming Services: Netflix, Hulu, Amazon Prime
The Propel card offers 3X points for a set of categories that’s more diverse than usual, covering travel, gas, restaurants, and streaming services. A comprehensive spread of shopping and travel protections is included, like cell phone insurance and lost luggage reimbursement. There are no foreign transaction fees, and you get a nice 0% intro rate for purchases and balance transfers (not often seen on travel cards).
If you don’t have a Prime subscription you can still get a decent Amazon card: The Amazon Rewards Visa Signature Card offers 3% back at Amazon and Whole Foods. But it’s nothing more than flimsy plastic.
The Apple Card presents a rather unique offer: A card that’s about as digital as possible, with no account numbers or details printed on the laser-etched titanium face (aside from your name).
The Apple card naturally earns 3% cash back at Apple, in-store and online, and that includes the App Store and iTunes (along with Uber and Uber Eats, but only when using Apple Pay). And cardholders get 2% back for every other Apple Pay digital wallet purchase, a nice feature during a pandemic when no one wants to touch anything.
Another newcomer, the Verizon Visa® Card is more restrictive than the cards above. It’s only available to Verizon customers, and while it’s pretty rewarding — 4% back at grocery stores and gas stations, 3% on dining, 2% at Verizon — the rewards you earn come in the form of Verizon Dollars, rather than typical cash back.
Why does that matter? Verizon Dollars can only be redeemed for Verizon products, which isn’t a problem if you’ll use them up in the normal course of your spending. But in general, if you’ll be making these kinds of purchases we recommend going with a general use rewards credit card instead, which gives you the freedom to redeem for statement credits or right into a bank account.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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