Top choices for credit cards with annual fees under a hundred dollars in the year 2025
In the realm of credit cards, there are several options that offer strong rewards and benefits without breaking the bank. This article highlights some of the best credit cards with annual fees under $100 in 2025.
Travel Rewards Cards
Chase Sapphire Preferred® Card (annual fee: $95)
The Chase Sapphire Preferred Card is a standout travel rewards card, offering 1x to 5x points. New cardholders can enjoy a welcome bonus of 75,000 points after spending $5,000 on purchases in the first 3 months from account opening. This card also comes with best-in-class travel insurance and protections, including primary rental car coverage, trip cancellation and interruption insurance, and more.
Capital One Venture Rewards Credit Card (annual fee: about $95)
The Capital One Venture Rewards Credit Card provides 2x to 5x miles on purchases, making it a suitable choice for those wanting simple, flexible travel rewards. The card offers an unlimited 2x Capital One miles on all purchases without any caps. New cardholders can earn a welcome offer of 75,000 miles after spending $4,000 on purchases within the first 3 months from account opening.
Cash-Back Cards
Blue Cash Preferred® Card from American Express (annual fee: around $95-$99)
The Blue Cash Preferred Card from American Express is a strong choice for cash-back focused users. It offers up to 6% cash-back, with 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations, 3% Cash Back on transit, and 1% Cash Back on other purchases.
Business Cards
Chase Ink Business Preferred® Credit Card (annual fee: $95)
The Chase Ink Business Preferred Card is a top choice for small business owners, earning 3x points on travel and select business categories. It also offers a large welcome bonus opportunity, such as 90,000 points after spending $8,000 in 3 months.
Other Notable Mentions
Citi Strata Premier℠ Card (annual fee: around $95-$99)
The Citi Strata Premier Card earns 3 ThankYou Rewards Points per $1 spent in many different categories, including air travel, hotels, dining, supermarkets, gas stations, and EV charging stations, and 1 ThankYou Rewards Points per $1 spent everywhere else.
Capital One Spark Miles for Business and Capital One Spark Cash Card
The Capital One Spark Miles for Business offers 2x transferable miles on every dollar you spend, while the Capital One Spark Cash Card offers unlimited 2% cash-back rewards on all purchases.
These cards typically have annual fees between $95 and $99 and provide strong rewards and benefits that can easily justify the fee if you utilize their reward categories and perks. It's essential to choose a card whose rewards and benefits exceed the cost of the annual fee to maximize value.
If you prefer no annual fees, there are other recommended cards like Chase Freedom Unlimited® and Capital One Savor Cash Rewards Card, which offer solid rewards without annual fees but usually less premium benefits.
In summary, for annual fees under $100, the Chase Sapphire Preferred® Card and Capital One Venture Rewards stand out for travel rewards, while the Blue Cash Preferred® from AmEx is strong for cash-back. The Chase Ink Business Preferred is a top choice for business expenses.
- The Chase Sapphire Preferred Card, with an annual fee of $95, and the Capital One Venture Rewards Credit Card, approximately $95, offer exceptional travel rewards.
- The Blue Cash Preferred Card from American Express, around $95-$99, caters to cash-back focused users, providing up to 6% cash-back on certain purchases.
- The Chase Ink Business Preferred Card, also with an annual fee of $95, is a top choice for small business owners, offering 3x points on travel and select business categories.
- The Citi Strata Premier Card and Capital One Spark Miles for Business, with annual fees around $95-$99, provide rewards in various categories, such as travel, dining, and business expenses.
