Best Credit Cards for Frequent Flyers in 2025, No.5 Will Surprise You

NEW YORK— Several comprehensive credit cards are available for frequent flyers who are interested in earning high-value rewards without incurring annual fees. Despite their low cost, many of these cards offer substantial rewards for regular purchases, dining, and travel.

Travel credit cards from lenders such as American Express (AMX), Chase (CHS), Citi (CITI), and Capital One (COF) are particularly appealing to travellers transiting through major international hubs such as New York (JFK), Los Angeles (LAX), and Chicago (ORD).

Photo: American Express

Best Credit Cards for Travelers in 2025

1. Capital One VentureOne Card

Not only does this card offer a flat 1.25x miles on every dollar, but it also does not charge any fees for transactions made in international countries. The latter is a rarity among ‘no annual fee’ credit cards, as per OMAAT.

The Capital One VentureOne Card also allows for a 1:1 transferability to more than a dozen different airlines and hotels. It is a very good travel card for those who fly around the world frequently.

2. Citi Double Cash Card

With the Citi Double Cash Card, you can earn one ThankYou point for every purchase you make, and an additional point for every payment that is made. This is similar to a cashback structure of 2%.

Because there is no annual fee, this credit card is a trustworthy option for general spending. If you have the Citi Strata Premier Card, you will be able to convert your points into airline miles!

3. Chase Freedom Unlimited Card

Chase Freedom Unlimited cardholders accumulate 5x points on Chase Travel reservations, 3x points on dining and drugstore purchases, and 1.5x points on all other expenditures.

The transfer of points to major airlines and hotel partners is possible when they are associated with the bank’s premium cards, such as the Chase Sapphire Preferred.

4. Chase Freedom Flex Card

In addition to providing 5x points on quarterly bonus categories (up to $1,500 in spend), this rotating category card also offers 5x points on Chase Travel, 3x points on dining and pharmacy purchases, and 1x points on other purchases.

Users of the Chase Freedom Flex Card who schedule their spending around category incentives are in a particularly advantageous position to benefit from this versatile credit card.

5. Bilt Mastercard

Developed with tenants in mind, this credit card offers 1x points for rent payments, as well as 3x points for dining and 2x points for travel.

To earn points on the Bilt Mastercard, a minimum of five transactions is necessary each month. Better yet, foreign transactions are not subject to any fees for users.

Photo: Singapore Changi Airport

Business Credit Cards With No Annual Fee

6. Capital One Spark Cash Select

The Capital One Spark Cash Select credit card offers a 1.5% cash back rate on all purchases and does not require an annual fee. While it falls short of the 2% tier, the absence of foreign transaction fees renders it suitable for businesses with international expenditures.

By combining it with a premium card such as the Venture X Business, users can increase the value of their rewards by converting them to Capital One miles at a rate of one cent per mile.

This business credit card continues to be an excellent choice for those seeking global flexibility and straightforward rewards.

7. American Express Blue Business Plus Card

The first $50,000 spent on this credit card each year is eligible for 2x Amex Membership Rewards points. Upon reaching that limit, users will earn 1x points the rest of the year.

The American Express Blue Business Plus Card is an excellent choice for business expenses that occur on a regular basis, while delivering exceptional value in terms of travel rewards. Furthermore, there is no annual fee for users.

8. American Express Blue Business Cash Card

Designed for small businesses that prioritise simplicity, it provides a 2% cashback on the initial $50,000 of annual purchases. Afterwards, the cashback drops to 1%.

The American Express Blue Business Cash Card is an excellent choice for businesses that value domestic cashback earnings. Like the Amex Blue Business Plus Card, the Amex Blue Business Cash Card charges no annual fee.

9. Ink Business Unlimited Card by Chase

The Chase Ink Business Unlimited Credit Card provides a generous welcome incentive and charges no annual fee. Users can earn 1.5x points on all purchases, delivering dependable and uncomplicated incentives.

Each point is typically redeemable for one cent in cashback. Nevertheless, users can transfer points to airline and hotel partners for a larger value by pairing this card with a premium Ultimate Rewards card, such as the Sapphire Reserve for Business or Ink Business Preferred.

The Ink Business Unlimited Credit Card by Chase is an excellent choice for both cashback and travel rewards due to its adaptability.

10. Ink Business Cash Card by Chase

The Ink Business Cash Credit Card by Chase charges no annual fee and offers one of the largest welcome bonuses among no-fee business cards. This credit card earns 5x points on the first $25,000 spent annually at office supply stores.

Users also earn 5x points on internet, cable, and phone services, plus 2x points on the first $25,000 at restaurants and gas stations. Meanwhile, all other purchases earn 1x reward points.

When paired with a premium Ultimate Rewards card, users can convert their cashback into travel rewards, unlocking greater value. This makes the Ink Business Cash Credit Card highly rewarding for establishments with everyday expenses.

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Benefits of No Annual Fee Credit Cards

Travel-focused credit cards with no annual fees offer rewards transfer, airline and hotel partners, and foreign transaction fee waivers. They also deliver respectable returns on spending.

There is a credit card for every frequent flyer and business owner, regardless of whether the objective is cashback, points, or miles.

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