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6 Big New Card Bonuses for Under $100 in Annual Fees

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Getting a new credit card is all about timing. Do it right and you'll end up with a big stash of points and miles once you meet your new card's minimum spending requirement.

A lot of times getting a big bonus means you're also going to be on the hook for a high annual fee … but it doesn't have to. Right now there are multiple cards with annual fees under $100 offering huge, limited-time bonuses.

While a big pool of points can take the sting out of a high annual fee in year one, that cost gets harder and harder to justify as time goes on – and that's what makes these specific card offers so special. You don't have to compromise and earn fewer points just to avoid a high fee. While all the cards on this list have annual fees that clock in under $100 each year, some of them are even fee-free.

Here's a look at the current best offers on credit cards with fees under $100 each year.

Looking for a new card? Check out our monthly list of all the best new card offers

 

Earn an Extra 1.5% With the Chase Freedom Unlimited

What's better than having a card with an annual fee under $100 each year? Not paying one at all.

The Chase Freedom Unlimited currently earns a base 5% cashback on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. This deal is made even sweeter with the recent offer.

Chase is out with a special new offer on its popular *freedom unlimited*. bonus_miles_full

 

Chase freedom unlimited

 

The cash back your Freedom Unlimited card earns is doled out in the form of Chase Ultimate Rewards, which you can redeem for cash back, gift cards, or even for flights and hotels booked through Chase.

Best of all, if you've also got another Chase card that earns Ultimate Rewards like the *chase sapphire preferred* or the *chase sapphire reserve* in your wallet, you can combine points between cards and transfer those points to airline and hotel partners to book travel.

 

Full Benefits of the Chase Freedom Unlimited Card

  • Welcome Offer Bonusbonus_miles_full
  • Earn 6.5% cashback on travel booked through the Chase Ultimate Rewards portal
  • Earn 6.5% cashback on Lyft rides through March 2025.
  • Earn 4.5% cashback on dining, including takeout and delivery services
  • Earn 4.5% cashback at drugstores
  • Earn unlimited 3% cashback on all other purchases
  • Subject to the Chase 5/24 rule, so you won't get approved for the Chase Freedom Unlimited if you've opened five or more credit cards (from any bank, not just Chase) in the last 24 months.
  • No Annual Fee

 

*freedom unlimited*

 

Learn more about the *freedom unlimited*.

Read more: A Full Review of the Chase Freedom Unlimited

 

Earn 75K Capital One Miles With the Venture Rewards Card

The *venture x* gets all the attention, but the original *capital one venture card* still finds a home in many traveler's wallets – and for good reason.

With this card, you'll earn the same 75,000-mile welcome bonus as the Venture X after spending $4,000 in the first three months … without paying a nearly $400 annual fee.

You'll also earn identical rewards on your everyday purchases: Unlimited 2x miles per dollar, everywhere. Add in up to $100 in credit for Global Entry or TSA PreCheck and two annual passes to the growing list of Capital One Lounges and it's easy to see why this card is so popular.

 

Full Benefits of the Capital One Venture Rewards Card

  • Welcome Bonus: bonus_miles_full
  • Earn 2x miles per dollar on every purchase. There is no cap to the number of miles you can earn each year.
  • Earn 5x miles on hotels and rental cars booked through Capital One Travel
  • Up to a $100 credit for Global Entry or TSA PreCheck
  • Two free annual passes to visit the new Capital One Lounges through 2024
  • Fly on any airline or stay in any hotel with no blackout dates
  • Capital One Venture Miles never expire
  • The card does not charge foreign transaction fees
  • $95 Annual Fee

 

*capital one venture card*

 

Learn more about the *capital one venture card*

Related reading: Earn a Big Bonus & More Perks With the Capital One Venture Card

 

Up to 75K American Miles With the AAdvantage Aviator Red

There's no easier way to earn a huge welcome bonus than with the AAdvantage® Aviator® Red World Elite Mastercard®: Forget spending a few thousand dollars, you can get a big bonus with a quick purchase or two. And right now American Airlines and Barclays will give you a bigger bonus than ever: up to 75,000 AAdvantage miles.

While it's unclear exactly when this offer will end, the writing is on the wall that its days (or hours) are numbered. The public bonus offer has already dropped to 60,000 AAdvantage miles – but you can still get the bigger offer when applying through a referral link, like the one here.

Here's how the bonus works:

  • You'll get 60,000 AAdvantage miles after paying the card's annual fee and making your first purchase within 90 days
  • You can earn an additional 15,000 miles by adding an authorized user and having them make a purchase within 90 days, too.

You'll also have to pay the card's annual fee of $99, which is no longer waived for the first year of card membership – though adding an authorized user is free. Add it up and you can earn a total of 75,000 AAdvantage miles: the biggest bonus we've ever seen on this card. If you've got a good use for AA miles – and trust us, there are plenty – don't let this increased offer pass you by.

 

Full Benefits of the AAdvantage Aviator Mastercard

  • Welcome Offer: Earn 60,000 AAdvantage miles after making your first purchase and paying the card's annual fee in the first 90 days plus you can earn an additional 15,000 miles for adding an authorized user and having them make a purchase in the first 90 days for a total of 75,000 AAdvantage miles.
  • Earn 2x AAdvantage miles for every dollar spent on eligible American Airlines purchases.
  • Earn 1x AAdvantage miles for all other eligible purchases.
  • First checked bag free for the primary cardmember and up to four companions on eligible bags when traveling on domestic itineraries operated by American Airlines.
  • Preferred boarding for the primary card member and up to four companions booked on the same reservation for all American Airlines-operated flights.
  • Starting in year two, you can earn a $99 companion certificate once you've spent $20,000 in a calendar year and keep your account open for at least 45 days after your card renewal date
  • Onboard Wi-Fi credit: Pay for inflight Wi-Fi with the Aviator Mastercard and get up to $25 back in statement credits each year.
  • Save 25% on in-flight food and beverage purchases (savings are in the form of statement credits).
  • No foreign transaction fees.
  • Annual fee: $99 (not waived).

 

Aviator Red Mastercard

 

Apply Here (for full disclosure, this is a personal referral link).

 

Earn 75K Ultimate Rewards With the Chase Ink Cards

Yes, these are business cards but hear me out: you likely have what the banks consider a small business and might not even realize it! If you've got a side hustle, do consulting work, or even buy and sell items on Facebook Marketplace or eBay, you have a business and could qualify for these cards.

Right now, you can earn $750 cash back (or 75,000 Chase Ultimate Rewards points) on both the *Ink Cash* and the *Ink Unlimited* after spending just $6,000 in the first three months of card membership.

 

Chase Ink Cards

 

While these cards technically earn cash back, you can turn that into valuable Chase Ultimate Rewards points so long as you hold another Chase card that earns them, including the *chase sapphire preferred*, the *chase sapphire reserve*, or even the *chase ink preferred*.

So long as you can spend $6,000 in the first three months of card membership, you won't find a better or cheaper way to earn a big pile of Chase points than these offers. Those 75,000 points are worth over $900 towards travel booked through the Chase Ultimate Rewards Travel Portal or potentially much more by using Chase's transfer partners like Hyatt, United, Southwest Airlines, and more.

Not sure which card is best for you? Read our side-by-side comparison for more info! 

 

Full Benefits of the Chase Ink Business Unlimited Card

  • Welcome offer: bonus_miles_full
  • This card has no annual fee
  • 1.5x points (1.5% cash back) on all purchases made for your business
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

*ink unlimited*

 

Learn more about the *chase ink unlimited*.

 

Full Benefits of the Chase Ink Business Cash Card

  • Welcome offer: bonus_miles_full
  • This card has no annual fee
  • 5x points (5% cash back) on internet, cable, and phone service; office supply purchases on your first $25,000 of spending each year. 
  • 2x points (2% cash back) on restaurants and gas stations on your first $25,000 of spending each year.
  • 1x points (1% cash back) on all other eligible spending
  • Primary rental car collision and damage waiver coverage
  • Lost luggage insurance of up to $3,000 per person per trip
  • Add employee cards at no additional cost

 

*ink cash*

 

Learn more about the *chase ink cash*.

 

Earn 60K Ultimate Rewards With the Chase Sapphire Preferred

We've long considered the *csp* the best travel rewards credit card for beginners and experienced travelers alike.

With a welcome offer bonus of 60,000 Chase Ultimate Rewards points, after you spend $4,000 in the first three months, it's a great option for getting started with points and miles. Since those points will be worth a minimum of $750 towards travel, you'll come out way ahead on the card's low $95 annual fee.

Other benefits like travel and rental car insurance, trip delay and cancelation protection, and an annual $50 hotel credit make the Sapphire Preferred a mainstay in many traveler's wallets.

Above all else, it's the perfect card to start building a points-earning strategy to travel even more for less. Whether you're planning your next trip or looking further out, we don't think you can do better than the Chase Sapphire Preferred if you're looking for a travel card with a low annual fee.

 

Full Benefits of the Chase Sapphire Preferred

  • Welcome Offer Bonus: bonus_miles_full
  • 3x points per dollar spent on dining, including eligible delivery services
  • 3x points per dollar spent on online grocery purchases (excluding Target, Walmart, and wholesale clubs like Costco and Sam's Club)
  • 3x points per dollar spent on select streaming services
  • 2x points per dollar spent on travel purchases
  • Earn 5x total points on travel purchased through the Chase Travel Portal, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • Earn up to $50 in statement credits each year for hotel stays booked through the Chase Ultimate Rewards Travel Portal
  • 10% Annual Points Bonus: Receive a 10% points bonus on your total spending during the account anniversary year at a rate of 1 point for every $10 spent.
  • Trip Cancelation & Trip Interruption Coverage
  • Baggage Delay and Lost Luggage Coverage
  • Rental Car Insurance Coverage
  • Recommended Credit Score: Excellent/Good
  • Foreign Transaction Fees: None
  • Annual Fee: $95

 

*csp*

 

Learn more about the *csp*

Read more: A Full Review of the Chase Sapphire Preferred

 

Bottom Line

It doesn't have to be either a big bonus or a low (or no) annual fee. With any of these cards, you get the best of both worlds by earning a meaningful amount of points or miles upon completing the new card's minimum spending requirement and you're not on the hook for an exorbitant annual fee.

 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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