Best No Annual Fee Cards

Disney Travel

Hate paying annual fees for credit cards? These are our five favorite no annual fee cards to cut the cost of your next Disney vacation.

1) Discover it Cash Card

Card Specs

  • Sign Up Bonus – N/A
  • Discover-it-cash-credit-card-blueDaily Earning – The Discover it Cash Card offers 5% cash back in rotating quarterly categories on spending up to $1,500. It offers 1% cash back when you go over that amount in those categories and on all other spending. The biggest perk? You get all that cash doubled at the end of the first year.

Why We Like It

Getting all the cash you earned in the first 12 billing cycles doubled is huge! It means you’re earning up to 10% cash back in some areas and 2% cash back on everything else. All this with no annual fee is tremendous!

Best Redemption Option

This is the kind of card you use for Disney park tickets, vacation packages or just spending money on your trip. Cash gives the flexibility to pay for all the things you can’t use other kinds of points to pay for, and makes this a card to love.


2) Hilton HHonors Amex Card

Card Specs

  • Sign Up Bonus – Get 50,000 points, worth about $300 based on our valuations, when you spend $750 in the first 90 days of having this card.
  • Hilton HHonors AmexDaily Earning – The Hilton HHonors Card from American Express earns seven points per dollar spent at Hilton Hotels, five points per dollar spent at restaurants, supermarkets, and gas stations, and three points per dollar everywhere else. We value Hilton HHonors points at 0.6 cents each, and we would average earning about 2.25 cents per dollar spent using this card.

Why We Like It

The card comes with automatic Hilton HHonors silver status. The one important perk for silver status is that you get a fifth night free when you’re redeeming points. This is great for Disney vacations, since they often run five nights or longer. Plus, there are great Hilton Hotels all around Disney World and Disneyland, so it’s not hard to find ways to use these points.

Best Redemption Option

Our favorite redemption option at Disneyland is the Homewood Suites Anaheim-Main Gate Area, and our favorite at Disney World is the Hampton Inn & Suites Orlando South Lake Buena Vista, great for the economical traveler.


3) Chase Freedom

Card Specs

  • Sign Up Bonus – $150 after spending $500 in three months, and another $25 for adding an authorized user.
  • Chase FreedomDaily Earning – The Chase Freedom is very similar to the Discover it Cash Card, it earns 5% cash back in rotating quarterly categories on up to $1,500 spent. It earns 1% cash back if you go over that limit and on all other spending.

Why We Like It

With the Chase Freedom, you earn cash back in the form of points. One point equals one cent. If you have a premium Chase card like the Chase Sapphire Preferred, you can transfer those points to your CSP account and then on to a travel partner like Hyatt or Southwest. With Hyatt, the value of the points is twice as much. So, your points went from being worth one to two cents. That may not sound like much, but if you earned them at 5% back and then they suddenly doubled in value, it means you effectively earned those points at 10% back.

Best Redemption Option

If you or someone who lives with you has the Chase Sapphire Preferred, we recommend you transfer the points to that card, then on to either Hyatt or Southwest. With Hyatt, we love the Hyatt Regency Grand Cypress (Orlando) and Hyatt House in Anaheim.

If you don’t have the CSP, we recommend using the cash for park tickets or vacation packages, similar to the Discover it Card.


4) Citi Double Cash

Card Specs

  • Citi Double CashSign Up Bonus – N/A
  • Daily Earning – 2% cash back on all purchases; 1% when you swipe your card and 1% more when you pay it off.

Why We Like It

This is the easiest card to use without any thought at all. If you don’t want to think about which card to pull out of your wallet at which time, the Citi Double Cash is a great card to get and use for all your purchases.

Best Redemption Option

Similar to the Discover it Cash Card, park tickets and vacation packages are your best options here.


5) Wyndham Rewards

Card Specs

  • Sign Up Bonus – 15,000 points when you make your first purchase, and another 3,000 points when you spend $1,000 in the first 90 days. Based on our valuations, this is worth about $234 total.
  • wyndham cardDaily Earning – You earn three points per dollar spent at Wyndham hotels and two points per dollar on everything. We value the points at 1.3 cents each, so this means you’re earning about 2.6% back on your day to day purchases.

Why We Like It

Wyndham is different than most hotel chains. You pay 15,000 points per night for any and every Wyndham hotel. That means you pay 15,000 points for one night at a hotel that costs $500 as well as one that costs $50. If you’re choosy and don’t settle for a low-end hotel, you can get some great value.

Best Redemption Option

The Wyndham Grand Orlando Bonnet Creek is a fantastic hotel at Disney World, and the Howard Johnson Anaheim Hotel and Water Playground is across the street from Disneyland. Both of these hotels cost more than $200 a night on a regular basis.

Chase Freedom

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  • What kind of points: Cash
  • Sign Up Bonus: $150 after spending $500 in three months, and another $25 for adding an authorized user
  • Annual Fee: $0
  • How to Earn Points: 5% cash back up to $1,500 each quarter in rotating categories, 1% cash back on everything else
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem for cash or combine with Chase Sapphire Preferred points
  • Our favorite Use: Combine with Chase Sapphire Preferred points and use for stays at Hyatt hotels