8 Best Credit Cards With Annual Fees Under $100

8 Best Credit Cards With Annual Fees Under $100

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Over the years we’ve seen a lot of credit card annual fee inflation, as card issuers have raised the annual fees on some cards while also adding perks. The good news is that you don’t need to spend hundreds of dollars per year to get a card that’s extremely rewarding.

In this post I wanted to share some great credit cards with annual fees of under $100. I’ve chosen these cards for different reasons — some for the long term perks they offer, some for the return on everyday spending they offer, and some for offering both.

Of course it’s important to note that everyone is looking for different things in credit cards, so there’s not going to be a “one size fits all” best cards for everyone, since it all depends what your goals are. However, I consider the below to be some of the options with the widest appeal.

The best low annual fee personal credit cards

When it comes to personal credit cards with annual fees of under $100, I tend to think the best options are those that can earn you the most points, those that can get you the most travel protection, and those that can get you perks that more than justify the annual fee. So below are my top five recommendations, in no particular order.

Chase Sapphire Preferred Card

The $95 annual fee Chase Sapphire Preferred® Card (review) is probably the gold standard of reasonable annual fee cards. It’s ideal if you’re looking for a well-rounded travel rewards card that offers fantastic travel protection, and it’s especially good if you spend a lot on dining and travel.

The Chase Sapphire Preferred Card offers the following, among other things:

Redeem Chase points for a stay at Alila Jabal Akhdar

Capital One Venture Card

The $95 annual fee Capital One Venture Rewards Credit Card (review) is one of the best cards for everyday spending, so it’s an excellent option if you just want an easy and super rewarding credit card that you can use everywhere.

The Capital One Venture Card offers the following, among other things:

Redeem Capital One miles toward virtually any travel purchase

Citi Premier Card

The $95 annual fee Citi Premier® Card (review) can hold its own among reasonable annual fee cards earning transferable points. This card has the best bonus categories of any mid-range card, so if you’re looking to rack up points as quickly as possible, this is the card to go with.

The Citi Premier Card offers the following, among other things:

Earn 3x Citi points on dining spending

IHG Premier Card

The $99 annual fee IHG® Rewards Premier Credit Card (review) isn’t a card I’d get because of the return on spending it offers, but rather because the perks just for being a cardmember more than justify the annual fee.

The IHG Premier Card offers the following, among other things:

Even if you’re not in any way loyal to IHG, it should be possible to get outsized value here if you stay at hotels with any frequency. Given hotel rates nowadays, personally I think it’s easy to justify the card purely based on the annual free night certificate, and everything else is the icing on the cake.

Receive an anniversary free night certificate

World of Hyatt Credit Card

The $95 annual fee World of Hyatt Credit Card (review) is another card that I think is worth having for the perks alone.

The World of Hyatt Card offers the following, among other things:

  • An anniversary free night certificate valid at a Category 1-4 property, which covers a majority of Hyatt properties around the globe
  • World of Hyatt Discoverist status, which is Hyatt’s entry level hotel status, offering upgraded rooms, late check-out, bonus points, and more; you also get a fast track to other World of Hyatt status

While there are other perks, the free night award should be worth way more than $95 per year, given hotel prices nowadays.

Receive an anniversary free night certificate

The best low annual fee business credit cards

There are lots of great business credit cards out there, but which cards are “no brainers” and have annual fees of under $100? That narrows it down a bit, but there are still some great options. Below are my top three recommendations, in no particular order.

Chase Ink Business Preferred Card

The $95 annual fee Ink Business Preferred® Credit Card (review) is the single best business credit card out there, in my opinion. If you’re looking for a card with a huge bonus, great return on spending, and useful perks, this is it.

The Ink Business Preferred Card offers the following, among other things:

  • Exceptional bonus categories, as the card offers up to 3x points on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines, for the first $150,000 in combined purchases each cardmember year
  • An amazing cell phone protection benefit
  • Travel protection, including rental car coverage
  • Useful points that can be transferred to airline and hotel partners or redeemed for a minimum of 1.25 cents each toward the cost of a travel purchase
Get cell phone protection with the card

Capital One Spark Miles Card

The $95 annual fee (waived for the first 12 months) Capital One Spark Miles for Business (review) is essentially the business card equivalent of the Capital One Venture Rewards Credit Card. This is one of the best business cards for everyday spending, so it’s an excellent option if you just want an easy and super rewarding credit card that you can use everywhere.

The Capital One Spark Miles Business Card offers the following, among other things:

Redeem Capital One miles for travel in Emirates first class

IHG Premier Business Card

The $99 annual fee IHG® Rewards Premier Business Credit Card (review) is the business version of the IHG® Rewards Premier Credit Card, and the perks are virtually identical.

The IHG Business Premier Card offers the following, among other things:

Get a fourth night free award at an IHG property

Bottom line

There are a lot of great credit cards out there, though the above are my five favorite personal and three favorite business cards with annual fees of under $100 each. As you can see, some of these cards are great because of the return on spending that they offer, some are great because of the travel protection they offer, and some are great because of the perks that they offer.

Of course there are lots of other great low annual fee cards out there as well.

What’s your favorite credit card with an annual fee of under $100?

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  1. Iamhere Guest

    I think this article is not written well because it does not divide it by spending and/or redemption. For example, the Chase Sapphire card is a good low cost card for travel and dining as you mentioned but for all other purchases the Freedom unlimited is more rewarding unless it is a foreign transaction. You can merge points if you hold both cards. Also, there are cards that should be on this list which are...

    I think this article is not written well because it does not divide it by spending and/or redemption. For example, the Chase Sapphire card is a good low cost card for travel and dining as you mentioned but for all other purchases the Freedom unlimited is more rewarding unless it is a foreign transaction. You can merge points if you hold both cards. Also, there are cards that should be on this list which are generally not discussed in this blog which earn a higher return than most of the cards here.

  2. Fsuga Guest

    I don't think you can leave the Blue Cash Preferred card off this list. I get the travel aspect, but with 6% on groceries and 3% on gas in today's inflationary environment (which will likely only get worse until a new administration and Congress are elected to replace this unmitigated disaster), you're leaving cold hard cash on the table in those two categories which will exceed most redemption opportunities.

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The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Iamhere Guest

I think this article is not written well because it does not divide it by spending and/or redemption. For example, the Chase Sapphire card is a good low cost card for travel and dining as you mentioned but for all other purchases the Freedom unlimited is more rewarding unless it is a foreign transaction. You can merge points if you hold both cards. Also, there are cards that should be on this list which are generally not discussed in this blog which earn a higher return than most of the cards here.

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Fsuga Guest

I don't think you can leave the Blue Cash Preferred card off this list. I get the travel aspect, but with 6% on groceries and 3% on gas in today's inflationary environment (which will likely only get worse until a new administration and Congress are elected to replace this unmitigated disaster), you're leaving cold hard cash on the table in those two categories which will exceed most redemption opportunities.

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