Which Metal Credit Cards Have No Annual Fees?
There’s only a handful of metal credit cards without annual fees. Drumroll please…
- U.S. Bank Altitude® Go Visa Signature® Card (Review)
- Wells Fargo Propel American Express® card (Review)
- Amazon Prime Rewards Visa Signature Card (Review)
- Amazon Business Prime American Express Card (Review)
- Apple Card
- Verizon Visa® Card
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: 2021U.S. Bank Altitude® Go Visa Signature® Card
- Min. credit levelGood
- Annual Fee$0*
- Regular APR14.99% - 23.99%* Variable
- 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
- Points never expire
- 4X points per dollar at Restaurants
- 2X points per dollar for:
- Grocery stores
- Grocery delivery
- Streaming services
- Gas stations
- 1X point per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% for 12 Billing cycles
- Regular Balance Transfer APR14.99% - 23.99%* Variable
- Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
- Penalty APRN/A
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction Feen/a
A newcomer to the credit card landscape, the U.S. Bank Altitude® Go Visa Signature® Card (Review) comes out swinging with 4X points at restaurants, a nice bump up from your average dining credit card. 2X points are offered for groceries, gas, and streaming services.
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 more 4 Best Credit Cards for Streaming Services: Netflix, Hulu, Amazon PrimeWells Fargo Propel American Express® card
- Min. credit levelGood
- Annual Fee$0
- Regular APR14.49%-24.99% Variable
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
- 3X points per dollar at:
- Restaurants
- Gas stations
- Travel
- Eligible streaming services
- 1X point per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% intro APR for 12 months on qualifying balance transfers
- Regular Balance Transfer APR14.49%-24.99% Variable
- Balance Transfer Fee3% for 120 days from account opening, then up to 5%
- Penalty APRN/A
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
The Wells Fargo Propel American Express® card (Review) is a strong but unassuming travel card. It doesn’t have a ton of impressive features, but it could be good for infrequent travelers who want to use the card for other stuff, too.
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).
Amazon Prime Rewards Visa Signature Card
- Min. credit levelFair
- Annual Fee$0
- Regular APR14.24% to 22.24% Variable
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
- 5% cash back at:
- Amazon.com
- Whole Foods Market
- 2% cash back at:
- Gas Stations
- Restaurants
- Drugstores
- 1% cash back on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR14.24% to 22.24% Variable
- Balance Transfer Fee5%, $5 minimum
- Penalty APRN/A
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
A great option for online shoppers, the Amazon Prime Rewards Visa Signature Card (Review) gives you 5% cash back for everything you buy from Amazon (and Whole Foods). You just need a Prime membership to apply.
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.
Amazon Business Prime American Express Card
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.24%–23.24% Variable
- 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market (up to $120,000 spent per year)
- 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
- Option to take 90 days to pay for Amazon purchases, interest free, instead of earning cash back
- $125 Amazon gift card upon account approval
- Amazon Business enhanced data views
- Discounts at select merchants through Amex Offers
- Shopping and travel protections
- No foreign transaction fees
- No annual fee
- 5% cash back (up to $120,000 spent per year) at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
The information related to Amazon Business Prime American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Small business owners can get the Amazon Business Prime American Express Card (Review), a similar offer to the consumer Prime card. It provides either 5% cash back at Amazon (up to $120,000 spent per year) or the ability to take 90 days to pay.
Like the consumer card, you’ll need a Prime membership, and if you don’t have one you can instead get the plastic Amazon Business American Express Card (Review).
Apple Card
- Min. credit levelFair
- Annual Fee$0
- Regular APR12.74% — 23.74% Variable
- 3% cash back at Apple, iTunes, and the App Store
- 3% cash back with Uber/Uber Eats when paying with Apple Pay
- 2% cash back every time you use Apple Pay
- No annual fee
- Managed through the iPhone Wallet app
- 3% cash back at:
- Apple in store or online
- iTunes
- App Store
- Uber/Uber Eats (when using Apple Pay)
- 2% cash back every time you use Apple Pay
- 1% cash back on everything else
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRN/A
- Late FeeN/A
- Returned Payment FeeN/A
- Additional Cards Annual Fee$0
- Foreign Transaction FeeNone
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.
Verizon Visa® Card
- Min. credit levelGood
- Annual Fee$0
- Regular APR18.74%-25.74%
- 4% back in Verizon Dollars at:
- Grocery stores
- Gas stations
- 3% back in Verizon Dollars on Dining
- 2% back in Verizon Dollars on Verizon purchases
- 1% back in Verizon Dollars on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR18.74%-25.74%
- Balance Transfer FeeSee terms
- Penalty APRN/A
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
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.
