No Annual Fee
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
IHG One Rewards Traveler Credit Card
Rewards rate
17X points total per $1 spent when you stay at IHG hotels and resorts.
3X points on dining, utilities, select streaming services, and at gas stations.
2X points on all other purchases.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
Generous bonus points offer for new cardmembers.
No annual fee, making it accessible for a wide range of users.
Automatic Silver Elite status as long as you remain a cardmember.
No foreign transaction fees on purchases made outside the United States.
Lower points earning rate compared to the IHG Premier card.
Requires $20,000 in purchases each calendar year to earn Gold Elite status.
Benefits and rewards primarily focused on IHG properties, which may limit versatility for some users.
Card Details
The IHG Rewards Club Traveler Credit Card: Big rewards, no annual fee! Earn up to 17X points per dollar at IHG hotels, plus a generous 100,000-point signup bonus. Get 3X points on dining, utilities, select streaming, and gas too! Enjoy automatic Silver Elite status (upgrades, priority check-in) and a free 4th night on award stays. No foreign transaction fees make it ideal for global adventures. This is the perfect card for IHG fans who want to maximize their stays on a budget.
Disney Visa Card
Rewards rate
5X points on travel purchased through Chase Ultimate Rewards.
3X points on dining.
2X points on all other travel purchases.
1% in Disney Rewards Dollars on all card purchases with no earning limit.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
Offers a $150 statement credit after spending $500 on purchases in the first 3 months.
Provides 0% promotional APR for 6 months on select Disney vacation packages.
Rewards cardholders with 1% in Disney Rewards Dollars on all purchases, with no limit.
Includes benefits like discounts at Disney locations, special photo opportunities, purchase protection, and extended warranty.
After the 0% APR period, a variable APR of 19.
24% to 29.
99% applies.
The 1% rewards rate in Disney Rewards Dollars may be lower compared to other cards.
Benefits focus mainly on Disney experiences, limiting the value for those not interested in Disney.
Specific restrictions and exclusions may limit the usefulness of some benefits.
Card Details
Experience the enchantment of Disney with the Disney Visa Card. Start with a generous $150 statement credit after hitting an initial spending goal, all without paying an annual fee. Earn rewarding points on travel booked through Chase, dining out, and all other everyday purchases – with those points transforming into magical Disney Rewards Dollars. Enjoy the convenience of a 0% APR introductory offer on select Disney vacation packages, plus exclusive discounts and perks like special photo opportunities at Disney parks. While the variable APR should be considered, the Disney Visa Card unlocks a world of rewards and unforgettable experiences designed for Disney enthusiasts.
DoorDash Rewards Mastercard
Rewards rate
Free DashPass membership with $10,000 annual card spend.
Unlimited earning on DoorDash orders: restaurants, groceries, pet supplies, retail items.
Rewards Rates: Dining (direct from restaurants), Grocery Stores (online/in-store), 1% cash back on all other purchases.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
Complimentary DashPass membership provides $0 delivery fees and reduced service fees.
Earns cash back on all purchases, with higher rates for DoorDash, dining, and groceries.
Additional benefits such as no foreign transaction fees, cell phone protection, and more.
Special offers and discounts, including 10% off on one order per month and a $5 Lyft credit.
DashPass membership auto-renews at the current annual rate after the first year without qualifying spend.
High spending requirement ($10,000 annually) to maintain complimentary DashPass membership.
Some benefits are common with other premium credit cards.
Rewards structure may incentivize increased spending.
Card Details
Calling all foodies! The DoorDash Rewards Mastercard offers a convenient and rewarding way to streamline your food deliveries. Upon approval, cardholders unlock a free year of DashPass, saving them $96 and ensuring free delivery fees for a year (renewal requires $10,000 annual spend). Plus, there’s no annual fee to worry about. Earn cash back on all your purchases – unlimited rewards on DoorDash orders and 1% back on everything else. The card boasts additional perks like cell phone protection, no foreign transaction fees, and exclusive discounts for DoorDash users. While the card requires good credit and has a variable APR, the DoorDash Rewards Mastercard can be a budget-friendly option for those who frequently use DoorDash and enjoy the convenience of built-in rewards.