No-Annual-Fee Cards with Travel Insurance
$0 annual fee cards that still offer travel insurance.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Fidelity Rewards Visa Signature Card
Elan Financial
2% cash back
- +Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
- +Auto Rental Collision Damage Waiver: Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
- +Lost Luggage Reimbursement: Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
VISA
2.0¢
per dollar
No annual fee(est. $25/yr in usable credits)
Runner-Up
Bilt Blue Card
Cardless
1x Bilt Rewards
1x × 2.0¢/pt = 2.0¢ per dollar
- +MasterRental Coverage: Covers damage or theft of rental cars when you decline CDW and pay the full rental with this card.
- +$100 in rewards bonus (~$100 value)
- +No annual fee
MASTERCARD
2.0¢
per dollar
No annual fee
Welcome: $100 in rewards
Also Great
TD Double Up Credit Card
TD Bank
2% cash back
- +Lost Luggage Reimbursement: Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
- +$200 cash back bonus (~$200 value)
- +No annual fee
VISA
2.0¢
per dollar
No annual fee
Welcome: $200 cash back
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Chase Freedom Rise® Credit CardChase | 1.5% cash back | 1.5¢/$ | $0 | $20 | visa |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 1.5% cash back | 1.5¢/$ | $0 | — | mastercard |
| Hilton Honors American Express CardAmerican Express | 3x Hilton Honors | 1.2¢/$ | $0 | — | amex |
| Chase Freedom UnlimitedChase | 1.5% cash back | 1.5¢/$ | $0 | — | visa |
| IHG One Rewards Credit CardChase | 2x IHG One Rewards | 1.2¢/$ | $0 | — | mastercard |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $199.20 | mastercard |
More Options
#4Wells Fargo Active Cash CardNo fee
2.0¢/$
#5Chase Freedom Rise® Credit CardNo fee
1.5¢/$
#6Capital One Quicksilver Cash Rewards Credit CardNo fee
1.5¢/$
#7Hilton Honors American Express CardNo fee
1.2¢/$
#8Chase Freedom UnlimitedNo fee
1.5¢/$
#9IHG One Rewards Credit CardNo fee
1.2¢/$
#10DoorDash Rewards Mastercard®No fee
1.0¢/$
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Open in full search with filters →Guides for this category
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- TravelHow to choose a travel credit card around the trips you takeStart from the trips you will take in the next twelve months. How to value bags, lounges, protections, and fees in dollars before picking a travel card.
- Card StrategyHow to build a two-card wallet without double-counting rewardsA second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.
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