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Visit the U.S.

Generally, if you want to visit ( and not live in ) the United States you must first obtain a visitor visa . Travelers from certain countries may be exempt from this requirement. For more information, please see the U.S. Department of State website .

If you want to travel to the United States for reasons other than business or pleasure, you must apply for a visa in the appropriate category. This includes if you want to study, work as a crew member or journalist, etc. You can get help determining which visa you need by using the Explore My Options page.

Extending Your Visit

If Customs and Border Protection (CBP)  authorizes your admission to the United States at the designated port of entry, you will receive a stamped Form I-94, Record of Arrival-Departure . If you wish to stay beyond the time indicated on the Form I-94, you may apply for an extension by filing Form I-539, Application to Extend/Change Nonimmigrant Status , with USCIS.

If You Lose Form I-94

You may apply for a replacement Form I-94 by filing a Form I-102, Application for Replacement/Initial Nonimmigrant Arrival/Departure Record .

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Visas for U.S. citizens traveling abroad

If you are a U.S. citizen planning to travel abroad, you may need a visa to enter a foreign country. Learn how to find your destination's visa requirements.

While not all countries require visas for American travelers, many do. Look up your destination using the U.S. State Department's Learn About Your Destination search tool . On the country’s information page, you will find entry, exit, and visa requirements. You will also find travel advisories and a link to the country’s embassy.

LAST UPDATED: December 6, 2023

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A Comprehensive Guide On Applying For A Visa To Travel To Nigeria

• Last updated Apr 30, 2024
• Difficulty Intemediate

• Category Travel

Planning a trip to Nigeria? Before you start packing your suitcase, there's an important step you must not overlook: applying for a visa. Navigating the visa application process can be confusing and time-consuming, but with our comprehensive guide, we've got you covered. From understanding the different types of visas available to knowing what documents you need to submit, we'll walk you through each step of the process, ensuring that you have a hassle-free experience and can focus on enjoying your time in this vibrant West African country. So grab your passport and let's get started on your Nigerian adventure!

What You'll Learn

Determine the type of visa required for travel to nigeria, gather all necessary documents for the visa application process, complete the online visa application form accurately and thoroughly, pay the visa application fee and schedule an appointment for submission.

If you are planning a trip to Nigeria, it is important to determine the type of visa you will need in order to travel to the country. Nigeria has different types of visas based on the purpose of your visit, such as tourism, business, or study.

To determine the type of visa required for travel to Nigeria, you should consider the purpose of your visit and the length of your stay. Here are some of the most common types of visas for traveling to Nigeria:

• Tourist Visa: If you are planning to visit Nigeria for tourism or leisure purposes, you will need a tourist visa. This visa allows you to stay in the country for a specific period of time, usually up to 90 days.
• Business Visa: If you are traveling to Nigeria for business purposes, such as attending meetings, conferences, or exploring business opportunities, you will need a business visa. This visa allows you to stay in the country for a specific period of time, usually up to 90 days.
• Study Visa: If you are planning to study in Nigeria, you will need a study visa. This visa allows you to stay in the country for the duration of your study program.
• Work Visa: If you have a job offer or are planning to work in Nigeria, you will need a work visa. This visa allows you to work and stay in the country for a specific period of time, usually up to 90 days.

Once you have determined the type of visa required for your travel to Nigeria, you can start the application process. The visa application process typically involves the following steps:

• Complete the visa application form: You will need to fill out the visa application form accurately and completely. The form will require you to provide personal information, travel details, and the purpose of your visit.
• Gather the required documents: Depending on the type of visa you are applying for, you will need certain documents to support your application. Common documents include a valid passport, passport-sized photographs, proof of travel arrangements, proof of accommodation, and a letter of invitation or sponsorship.
• Pay the visa application fee: There is a non-refundable visa application fee that you will need to pay. The fee can vary depending on the type of visa and your nationality. Check the Nigerian embassy or consulate website for the current fee.
• Schedule an appointment: After completing the application form and gathering the required documents, you will need to schedule an appointment at the nearest Nigerian embassy or consulate. During the appointment, you may be required to provide biometric information such as fingerprints.
• Attend the visa interview: In some cases, you may be required to attend a visa interview. This interview is an opportunity for the visa officer to ask you questions about your purpose of visit and to verify the information provided in your application.
• Wait for visa processing: After submitting your visa application, you will need to wait for the processing time. Visa processing times can vary so it is recommended to apply well in advance of your travel dates.

It is important to note that the visa application process may vary slightly depending on the country you are applying from. Make sure to check the Nigerian embassy or consulate website for specific instructions and requirements.

In conclusion, determining the type of visa required for travel to Nigeria is an important first step in planning your trip. Make sure to gather all the necessary documents and follow the application process accurately to increase your chances of a successful visa application.

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Applying for a visa to travel to Nigeria can be a lengthy process, but with proper preparation and organization, you can gather all the necessary documents efficiently. Here is a step-by-step guide to help you through this process:

• Determine your purpose of travel: Before gathering the required documents, it is crucial to know the purpose of your visit to Nigeria. This will determine the type of visa you need, whether it is for tourism, business, education, or any other purpose.
• Check the Nigerian embassy's website: Visit the official website of the Nigerian embassy or consulate in your country to find the specific requirements for your visa application. The website will provide you with the most up-to-date information and any additional documents needed.
• Gather your passport: Your passport must be valid for at least six months beyond your intended stay in Nigeria. Make sure to have a clear, legible photocopy of the passport's data page.
• Fill out the visa application form: Download and complete the visa application form from the embassy's website. Ensure that the form is filled accurately, using block letters or typing as required. Proofread the form before submitting to avoid any mistakes or omissions.
• Prepare two passport-sized photographs: You will need two recent color photographs that meet the embassy's specifications. Often, these requirements include a white background, no obstructions on the face, and a specific size (usually 2x2 inches).
• Obtain a letter of introduction or sponsorship: Depending on the purpose of your visit, you may need a letter of introduction or sponsorship from a Nigerian host or organization. This letter should state the purpose and duration of your visit, as well as the host's contact information and details of your accommodation arrangements.
• Provide proof of travel arrangements: Include a copy of your confirmed round-trip airline tickets or itinerary. These documents should show your departure and return dates and confirm that you have a means of leaving Nigeria within your authorized stay.
• Include proof of accommodation: If you have already booked your accommodation in Nigeria, provide a copy of the hotel reservation or invitation letter from your host. The document should contain the dates of your stay and the full contact information of the accommodation or host.
• Show proof of financial means: You need to demonstrate that you have sufficient funds to cover your expenses during your stay in Nigeria. This can be done by providing your bank statements for the last six months or a copy of your international credit card.
• Vaccination certificate: Some countries may require proof of vaccination for certain diseases. Check if Nigeria requires any specific vaccinations, such as yellow fever, and include the relevant international certificate.
• Pay the visa fee: Check the embassy's website for the visa fee payment procedure. Typically, you may have to pay the fee at a designated bank or via an online payment platform. Keep the receipt as evidence of payment.
• Submit the documents: Gather all the required documents and submit them at the designated location, usually the Nigerian embassy or consulate. It is advisable to make a checklist of the documents before submitting to ensure you have everything in order.

Remember that the visa application process may vary depending on your nationality and the purpose of your visit. It is always recommended to review the specific requirements of the Nigerian embassy or consulate in your country. By following these steps and being well-prepared, you can streamline the visa application process and increase your chances of obtaining a visa to travel to Nigeria.

Can You Travel in the US with an Expired Visa?

When applying for a visa to travel to Nigeria, completing the online visa application form accurately and thoroughly is a crucial step in the process. To ensure a smooth and successful application, follow these instructions:

• Visit the Nigerian Immigration Service website: Start by accessing the official website of the Nigerian Immigration Service (https://portal.immigration.gov.ng/) to begin the visa application process. This is the only authorized website for visa applications, so make sure you are on the correct webpage.
• Create an account: On the Nigerian Immigration Service website, create an account by registering with your email address and generating a password. Keep your login credentials secure as you will need them throughout the application process.
• Select the appropriate visa type: Once you have logged in, select the visa type that suits the purpose of your travel. Common visa types include tourism, business, education, or medical purposes. Ensure you choose the correct visa category to avoid delays or rejection.
• Fill in personal information: Complete the online application form by providing accurate and up-to-date personal information. This includes your full name, date of birth, gender, nationality, and passport details. Be sure to double-check all the details for any errors or discrepancies before moving on to the next section.
• Provide contact information: Supply your current contact information, including your email address, phone number, and residential address. It is essential to provide valid contact details as this is how the Nigerian Immigration Service will communicate with you regarding your visa application.
• Specify your travel details: Indicate the dates of your intended travel to Nigeria, as well as your intended length of stay in the country. You may also be required to provide details of your accommodation or any invitations you have received from Nigerian hosts or organizations.
• Answer security-related questions: Complete the security-related questions on the application form. These questions are designed to ensure the safety and security of Nigeria, so answer them honestly and accurately.
• Upload supporting documents: Depending on the visa type you are applying for, you may be required to upload supporting documents. These may include a copy of your passport, passport-sized photographs, flight itineraries, hotel reservations, invitation letters, or evidence of financial means.
• Review, pay, and submit the application: Once you have completed the application form and attached any necessary documents, review all the information you have provided. Make sure everything is accurate and true. Pay the required visa application fee through the designated payment platform and submit your application.
• Print and keep a copy of your application: After submitting your application, it is advisable to print a copy of the application confirmation page. This will serve as proof of your application and provide vital reference details while tracking your application status.

Remember, accuracy and completeness are crucial when completing the online visa application form for Nigeria. Any discrepancies or false information can result in delays or denial of your visa. Following these instructions will help ensure a successful visa application process, allowing you to travel to Nigeria with ease.

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Once you have completed the necessary steps to prepare your visa application for travel to Nigeria, the next step is to pay the visa application fee and schedule an appointment to submit your application. Here's what you need to know:

Visa Application Fee:

• The visa application fee is non-refundable and must be paid in order to proceed with your visa application.
• The fee varies depending on the type of visa you are applying for, so make sure to check the current fee on the Nigerian embassy or consulate website.
• The fee can usually be paid online using a credit or debit card. Ensure that you have a valid payment method before proceeding.

Schedule an Appointment:

• After paying the visa application fee, you will need to schedule an appointment to submit your application.
• Visit the Nigerian embassy or consulate's website to find the online visa application appointment booking system.
• Select the appropriate visa category and enter the required details such as your name, contact information, and passport details.
• Choose a convenient date and time for your appointment from the available options. Keep in mind that appointment slots may fill up quickly, so it's best to book as soon as possible.

Attend the Appointment:

• On the day of your appointment, make sure to arrive at the embassy or consulate well ahead of time to avoid any inconvenience.
• Bring along all the required documents as specified in your visa application checklist. It's important to have all the necessary documents in order to avoid delays or rejection of your application.
• Present your appointment confirmation and other supporting documents to the embassy or consulate staff.
• Be prepared to answer any questions related to your visa application or provide additional information if requested.
• You may also be required to provide your biometric information, such as fingerprints and a photograph, during the appointment.

Collecting the Visa:

• Once your visa application has been processed and approved, you will need to return to the embassy or consulate to collect your visa.
• Check the processing time for your visa type on the embassy or consulate's website to know when you can expect your visa to be ready.
• Carry the necessary documents, including your passport and any additional documents requested during your appointment.
• Present your appointment confirmation and identification to the embassy or consulate staff.
• Pay any additional fees, if applicable, to collect your visa.

Remember to follow all instructions provided by the Nigerian embassy or consulate and double-check the requirements before paying the application fee and scheduling your appointment. By being well-prepared, you can ensure a smooth and successful visa application process.

Visitors to Canada Wondering: Can I Travel with a US Visa?

Frequently asked questions.

To apply for a visa to travel to Nigeria, you will need a valid passport with at least 6 months validity remaining, a completed visa application form, passport-sized photographs, proof of travel arrangements and accommodation, a copy of your yellow fever vaccination certificate, and proof of sufficient funds to cover your stay in Nigeria.

The processing time for a visa application to Nigeria can vary depending on the type of visa and the embassy or consulate you submit your application to. Generally, it can take anywhere from a few days to a few weeks. It is recommended to apply well in advance of your planned travel dates to allow for any delays.

Yes, you can apply for a Nigerian visa online through the Nigeria Immigration Service's official website. The online visa application process is convenient and allows you to submit your application and make the necessary payments electronically. However, it is important to note that you may still be required to visit the Nigerian embassy or consulate in person for biometric data capture and to submit supporting documents.

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• Credit Cards
• Best No Annual Fee Travel Credit Cards

Best No-Annual-Fee Cards For Travel Of April 2024

Fact Checked

Updated: Apr 24, 2024, 3:32pm

Using a travel rewards credit card has long been celebrated as an easy strategy to travel the world for less. Consumers can apply for rewards credit cards and earn points and miles on everyday spending, then redeem rewards for airfare, hotel stays, rental cars and more.

The annual fees travel cards often charge can be worth it if you use the benefits you receive, but not everyone wants to pay a fee to hold a card. Fortunately, many travel credit cards offer benefits for no annual fee.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 113 countries visited
• 5500 hotel nights spent
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Wells Fargo Autograph℠ Card

Up to 3X Reward Rate

Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming Read More

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Good, Excellent (700 - 749)

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
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• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
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Best No-Annual-Fee Travel Credit Cards of 2024

Best no-annual-fee travel card with rotating categories, chase freedom flex℠ *.

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Read More

20.49% - 29.24% Variable

Excellent, Good (700 - 749)

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

• No annual fee
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• Travel rewards rate rivals some of the best premium travel cards
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• Travel bookings must be made through Chase Travel℠ to earn 5% cash back
• Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
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Best Flat-Rate No-Annual Fee Travel Card

Chase freedom unlimited®.

Up to 6.5X Reward Rate

Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% cash back Read More

Up to $300 cash back

A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases

• Generous welcome offer for a no annual fee card
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• Foreign transaction fee
• Ongoing balance transfer fee is high
• Requires a companion card to transfer points to travel partners
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
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Best No-Annual-Fee Flat-Rate Cash-Rewards Card for Travel

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Unlimited 2% Rewards Rate

Earn unlimited 2% cash rewards on purchases

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The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.

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• No categories to track or remember and cash rewards don’t expire as long as your account remains open.

Best for Everyday Spending

Earning 3 points per dollar spent on a wide range of spending—including restaurants, travel, gas stations, transit and popular streaming services—for no annual fee, the Wells Fargo Autograph is a powerhouse.

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Alliant cashback visa® signature credit card *.

Up to 2.5% Reward Rate

Those eligible for Tier 1 Rewards earn 2.5% cashback on the first $10,000 of qualifying eligible purchases per billing cycle Read More

17.24% - 27.24% variable

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If you regularly rack up your monthly balance, the 2.5% return on the Alliant card is hard to beat. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus.

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• Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%
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• Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity

Best No-Annual-Fee Card To Earn Cash Back on Travel

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Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more, Read More

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17.24% - 28.24% Variable APR

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For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate.

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• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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• Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

Best No Annual Fee Amex Card for Travel

Blue cash everyday® card from american express.

Up to 3% Reward Rate

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to Read More

19.24%-29.99% Variable

Excellent/Good (700 - 749)

For no annual fee, the Blue Cash Everyday® Card from American Express offers excellent value in the right hands. Spending a lot at U.S. supermarkets and U.S. gas stations brings plump rewards, while the introductory APR rate on purchases helps keep your interest expenses down. Look elsewhere for foreign transactions.

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• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
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1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on travel Read More

Good/Excellent (700 - 749)

Pay rent, earn rewards and use your earnings for travel. Sounds like a great way to maximize your rent money to us.

• Earn rewards on rent
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U.s. bank altitude® go visa signature® card *.

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Earn 4 points per dollar on dining, takeout, and restaurant delivery and 2 points per dollar at grocery stores, grocery Read More

18.24% - 29.24% (Variable)

Excellent Credit (750 - 850)

With no foreign transaction fee and industry-leading earnings on dining, the Altitude Go could get you up into the air quickly.

• No penalty APR
• Generous rewards for a no annual fee card
• Annual credit toward eligible streaming services
• No bonus reward tier for entertainment spending
• Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
• 4 points per dollar spent on dining, takeout, and restaurant delivery
• 2 points per dollar spent on streaming services and a $15 credit for annual streaming purchases
• 2 points per dollar spent at grocery stores, gas stations, and EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024)
• 1 point per dollar spent on all other eligible purchases
• Points never expire

Best No-Annual-Fee Card for Hilton

Hilton honors american express card.

Up to 7X Reward Rate

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Read More

Earn 80,000 points

20.99%-29.99% Variable

Good,Excellent (700 - 749)

A good intro into the Hilton world without paying an annual fee, the Hilton Honors Card from American Express brings you a few nice perks. But if you’re a serious Hilton traveler, you’ll want to look at one of the higher end cobranded Hilton cards offered by American Express.

• High point earning rates
• Generous welcome bonus
• Automatic Silver status includes fifth night free on award stays
• No annual fee or foreign transaction fee
• No blackout dates
• Low point redemption value
• Silver status comes with limited benefits
• Poor transfer rate to airline partners
• Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.

Best for Earning Membership Rewards Points

Amex everyday® credit card *.

Up to 2x Reward Rate

Earn 2X points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American Express Read More

Earn 10,000 points

18.24% - 29.24% variable

If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you.

• Possible to earn 20% bonus on all points earned
• 2 Membership Rewards points per dollar on up to $6,000 spent annually at U.S. supermarkets (then 1 point per dollar)
• 2.7% foreign transaction fee
• Spending cap on bonus points at grocery stores
• Requires 20 purchases per month to earn 20% bonus
• Earn 10,000 membership rewards points after spending $2,000 in qualifying purchases in the first 6 months of card membership
• Earn 2 points per dollar spent on qualifying purchases at US supermarkets up to $6,000 per year (then 1 point)
• Earn 2 points for every dollar when you use your card to book your trip through American Express Travel
• Earn 1 point for every eligible dollar you spend on everything else
• You can use membership rewards points towards eligible charges you make on your card, such as retail, dining, entertainment and more
• Use your card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases

Best No-Annual-Fee Airline Card

United gateway℠ card.

Up to 2x Rewards Rate

2X miles per $1 spent on United purchases, at gas stations and on local transit and commuting. 1 mile per Read More

• Earn 20,000 bonus miles

21.99% - 28.99% Variable

With its simple and respectable rewards rates, plus Visa Signature benefits, casual fliers who are loyal to United will find value in United’s only card with no annual fee.

• Earn 2 miles on purchases with United, at gas stations and on local transportation
• Enjoy expanded United award travel availability
• Earns only 1 mile per dollar spent on non-bonused purchases
• No free checked bag or enhanced boarding benefits
• Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• Earn 1 mile per $1 spent on all other purchases
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card

Best No-Annual-Fee Hotel Card

Marriott bonvoy bold® credit card *.

3 points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy program, 2 points per dollar on other Read More

Earn 30,000 bonus points

21.49% - 28.49% variable

One of several Marriott credit cards, the Marriott Bonvoy Bold card is the only one without an annual fee. It’s a smart entry-level card for travelers who want to earn points in the Marriott Bonvoy rewards program and enjoy Silver Elite status.

• The first Bonvoy Rewards card with no annual fee
• 15 Elite Night credits per year + Silver Elite status
• Rewards bonus categories are somewhat limited
• 5% fee for balance transfers
• Earn 30,000 bonus points after you spend $1,000 on your first 3 months of account opening.
• Earn 3X points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy®
• Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy member
• 15 elite night credits annually, enough for Silver Elite status, terms apply

Here’s a Summary of the Best No-Annual-Fee Travel Credit Cards

More about the best no-annual-fee travel credit cards.

Navigating the world of credit cards means finding the combination of pros and cons that offer the best value for your needs. A card rewarding your unique spending habits and goals will outperform one that is seemingly best for the average consumer, so make sure to evaluate each card for your specific uses.

Be aware that cards with no annual fee often charge other types of fees. In addition to interest charges incurred when a balance is carried, cardholders may also face penalty charges, including over-limit fees and late payment fees, as well as fees for foreign transactions, cash advances and balance transfers.

If you’re looking for a cash-back credit card and want the option to redeem points for travel, the Chase Freedom Flex℠ * may be exactly what you need. This card lets you earn a strong base rate of rewards for each dollar you spend, and you can redeem points for cash back, statement credits, gift cards, merchandise or travel through the Chase Ultimate Rewards® portal.

Welcome bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Other benefits and drawbacks: The Chase Freedom Flex℠ * may be marketed as a cash-back credit card, but you can redeem rewards for travel through the Chase Ultimate Rewards portal. Since you can also redeem your rewards for statement credits at a rate of 1 cent per point, you can cover travel purchases charged to your card as well.

This card paired with a premium Chase card like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® or Ink Business Preferred® Credit Card can provide extra leverage as points are worth 1.25 to 1.5 cents each when redeemed through the Chase travel portal depending on which premium card you have. Carrying both the Flex card and a premium Chase card also gives you the opportunity for 1:1 transfers to Chase’s airline and hotel partners like United and Hyatt.

The Chase Freedom Flex℠ * offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies. This makes the card a solid option if you want to charge a big purchase and pay down your balance over time without worrying about interest for the duration of the 0% introductory APR period.

The card’s benefits also include purchase protection against damage and theft and extended warranties for eligible items.

Those looking to get into the Chase ecosystem with a no-annual-fee card might want to consider the flat-rate Chase Freedom Unlimited® .

Welcome bonus: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Other benefits and drawbacks: The Chase Freedom Unlimited® may not be the best choice for those who like to travel abroad because it charges a foreign transaction fee. On the plus side, it offers an introductory APR: 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

If you’re looking for a card to boost your travel funds but prefer a cash rewards card, the Wells Fargo Active Cash® Card may be the way to go.

Welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards: Earn 2% cash rewards on purchases.

Other benefits and drawbacks: The Wells Fargo Active Cash® Card offers up to $600 per claim in cellphone protection (subject to a $25 deductible) when you pay a monthly cellphone bill with the card, terms apply.

It also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

The Wells Fargo Autograph℠ Card is excellent for everyday spending with bonus categories that most people will have no problem using.

Welcome bonus: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Rewards: Earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1 point per dollar on other purchases.

Other benefits and drawbacks: The Wells Fargo Autograph℠ Card also offers an introductory 0% APR: 0% introductory APR on purchases for 12 months from account opening. A variable APR of 20.24%, 25.24%, or 29.99% applies for purchases after the intro period ends and for balance transfers. The card has a balance transfer fee of up to 5%, minimum $5. Cardholders can also benefit from cellphone protection, roadside dispatch and an auto rental collision damage waiver.

The Alliant Cashback Visa® Signature Credit Card * offers the potential for a high rate of cashback, although this rate is limited to the first $10,000 in purchases each month. However, this will likely be sufficient for most people’s monthly spending.

Welcome bonus: This card does not offer a welcome bonus.

Rewards: Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%.

Other benefits and drawbacks: You’ll have to join Alliant Credit Union to be eligible to apply for this card and to achieve the highest rate of cashback, you’ll have to have an average daily balance of at least $1,000 in your Alliant High-Rate Checking account for each preceding calendar month. The Alliant Cashback card doesn’t charge foreign transaction fees.

The Discover it® Cash Back isn’t specifically marketed as a travel card, but cashback can be used for anything—including travel, so we’ve included it here. This card offers solid rewards as long as you can remember to activate the quarterly categories. It also offers a non-traditional but impressive welcome bonus for those who spend plentifully on the card.

Welcome bonus: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There's no minimum spending or maximum rewards.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Other benefits and drawbacks: The Discover it® Cash Back offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 17.24% - 28.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies. It also offers online privacy protection tools and free social security number alerts.

The Blue Cash Everyday® Card from American Express (Terms apply, see rates & fees ) is a solid option for those looking to earn cash back from American Express.

Welcome bonus: Earn $200 statement credit after spending $2,000 on purchases within the first 6 months.

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon.com checkout.

Other benefits and drawbacks: The Blue Cash Everyday® Card from American Express offers an introductory APR: 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 19.24%-29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies. Cardholders can also benefit from access to Amex Offers, up to $84 in credit ($7 monthly) for a Disney Bundle subscription and a $180 Home Chef credit. Additional benefits include purchase protection ¹ and car rental loss and damage insurance ² .

The Bilt World Elite Mastercard®  ( rates & fees ) lays the claim as the first card that offers the ability to pay rent and earn points on those purchases. For those who pay rent, it’s a great way to earn a bunch of additional points each year.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Other benefits and drawbacks: Bilt points can be transferred at a 1:1 rate to various transfer partners, including American Airlines and Hyatt. The card also offers cellphone protection, various travel benefits and the ability to earn bonus points (and sometimes other benefits) once per month on Rent Day, though you must use the card five times each statement period to earn points ( rewards & benefits ).

The U.S. Bank Altitude® Go Visa Signature® Card * earns points that you can redeem for merchandise, gift cards, cash back or travel, all at a value of 1 cent per point. It offers reasonable earn rates for a no-annual-fee card.

Welcome bonus: Earn 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.

Rewards: Earn 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024) and 1 point per dollar on all other eligible purchases.

Other benefits and drawbacks: Cardholders can also benefit from a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed by a regular variable APR of 18.24% - 29.24%. A balance transfer fee of 3% applies ($5 minimum). The card also offers a $15 annual streaming bonus for services like Netflix, Apple TV+, Spotify and others.

The Hilton Honors American Express Card (Terms apply, see rates & fees ) offers the ability to earn Hilton Honors points for each dollar you spend and automatically qualify for elite perks.

Welcome bonus: Earn 80,000 Hilton Honors bonus points after spending $2,000 in purchases on the card in the first six months of card membership.

Rewards: Earn 7 Hilton Honors points for each dollar of eligible purchases charged directly with hotels or resorts within the Hilton portfolio, 5 points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations and 3 points per dollar on all other eligible purchases.

Other benefits and drawbacks: The Hilton Honors American Express Card offers robust earning categories that let you earn bonus points in many common areas of spending.

Cardholder benefits include automatic Silver status, but you can move up to Hilton Honors™ Gold status if you spend at least $20,000 on your credit card within a calendar year. If you expect to spend this much on your card each year, it may make sense to get a card that automatically provides a higher level of Hilton status and place the spending on a card that will net you more rewards overall.

Those looking for an Amex Card but with a preference to earn Membership Rewards instead of cash back should consider the Amex EveryDay® Credit Card * .

Welcome bonus: Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening.

Rewards: Earn 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

Other benefits and drawbacks: When you use your Amex EveryDay® Credit Card * 20 or more times per billing cycle, you’ll earn a 20% bonus on all points earned during that billing cycle. This card also offers access to Amex Offers, car rental loss and damage insurance and purchase protection.

United isn’t the only airline with a no-annual-fee card, but it’s the best no-annual-fee airline offering. The United Gateway℠ Card provides a few valuable benefits when a cardholder flies United.

Welcome bonus: Earn 20,000 bonus miles after spending $1,000 on purchases in the first 3 months of account opening.

Rewards: Earn 2 miles per dollar on United® purchases, at gas stations and on local transit and commuting and 1 mile per dollar on all other purchases.

Other benefits and drawbacks: Holders of the United Gateway℠ Card receive 25% off United in-flight purchases made on the card. It also offers an auto rental collision damage waiver, trip cancellation/interruption insurance, purchase protection, extended warranty coverage and doesn’t charge foreign transaction fees.

Those looking for more United benefits, including a free checked bag when flying with the airline, should consider the United℠ Explorer Card that has a $0 intro annual fee for the first year, then $95.

Read more: United Airlines MileagePlus: The Ultimate Guide

The Marriott Bonvoy Bold® Credit Card * is a decent option for those wanting to earn Marriott points without paying an annual fee. If you’re really looking for a Marriott-specific card, you should also ask yourself: Which Marriott Card is right for me ?

Welcome bonus: Earn 30,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

Rewards: Earn 3 points per dollar at over 7,000 hotels participating in Marriott Bonvoy program, 2 points per dollar on other travel purchases (from airfare to taxis and trains) and 1 point per dollar on all other purchases.

Other benefits and drawbacks: The Marriott Bonovy Bold offers complimentary Marriott Bonvoy Silver status and 15 Elite Night credits each year that may help you qualify for higher levels of elite status. The card also offers various travel and purchase coverage like baggage delay insurance and purchase protection, and it doesn’t charge foreign transaction fees.

Methodology

Forbes Advisor compared dozens of travel credit cards from all major issuers to find the best options with no annual fee. Factors we looked at include:

• Earning rates
• Welcome offers
• Introductory APR
• Consumer protections
• Automatic elite status
• Multiple redemption options

Read more: How Forbes Advisor Rates Credit Cards

What Does No Annual Fee Mean?

No annual fee means the credit card company does not charge you to maintain the credit card. No annual fee does not mean you should expect no fees at all—you might still pay interest, over-limit fees, late payment fees or a foreign transaction fee. Carefully consult your cardholder agreement and the Schumer box therein.

Why Do Credit Cards Have Annual Fees?

When a credit card charges an annual fee, it means the issuer is charging the cardholder directly to maintain the account. Once a credit card is activated, this type of flat fee isn’t impacted by how the card is used or by any other factors within the cardholder’s control—it simply recurs for as long as the account stays open. Most commonly, an annual fee is billed on the anniversary month of the credit card account’s opening. The cost of these fees can vary dramatically.

Annual fees are, unsurprisingly, not popular, so why do credit card issuers commonly charge them? Traditionally, cards with higher annual fees offer significantly better perks. It’s still common for no-annual-fee cards to fall on the less-generous end of the benefits spectrum. Credit cards designed for individuals with low credit scores and poor application prospects may also charge a high annual fee and a higher APR to offset the theoretically heightened risk assumed by the issuer.

Credit card issuers expect to profit from each offering, and each card represents a calculated compromise between advantages popular among consumers and guarantees or benefits for the issuer. Your choice should focus on the combination of pros and cons providing you the best value.

How Do Travel Credit Cards With No Annual Fee Work?

No annual fee means the issuer does not charge consumers to carry the credit card. At least in theory, annual fees are levied by issuers to compensate for other aspects of a card considered especially favorable to the cardholder, such as rewards. Though it’s common for these fees to be waived for a year or altogether to attract customers, the most benefit-heavy cards often charge annual fees. Apart from this tradeoff, no-annual-fee credit cards function much like cards with annual fees.

Benefits of No-Annual-Fee Travel Credit Cards

Each card offers its own suite of benefits. These vary depending on the issuer, but most credit cards offer at least some of the following:

• Fraud protection (all consumer cards are required to offer a certain degree of protection)
• Introductory APRs
• Rewards earning (in the form of cashback from purchases or points and miles redeemable for airline tickets, hotel stays or other travel)
• Discounts on in-flight food and beverage purchases

No-annual-fee cards may offer fewer of these benefits compared to their counterparts that charge an annual fee.

Who Should Get a No-Annual-Fee Travel Credit Card?

Many people can benefit from a no-annual-fee travel credit card. Whether you travel occasionally or all the time, these cards offer benefits targeted toward travelers without charging you anything to hold the card.

• If you’re an occasional traveler: Look for a travel credit card that offers the most benefits for the lowest fee—You can probably find a no-annual-fee card that will fit your needs.
• If you’re a frequent traveler: While you may be able to find a no-annual-fee travel card that works for you, there’s a good chance you would benefit more from one of the best travel cards , many of which do charge an annual fee.

How To Choose the Right Travel Credit Card With No Annual Fee

All the travel credit cards in our ranking allow consumers to earn travel rewards points or cash back without having to pay a fee each year. But there’s more to picking a travel credit card than just finding an option without a fee. The following tips can help shoppers find a card that suits their needs:

• Compare rewards programs: Make sure you’re earning rewards you can actually use. If you plan to pick up a hotel credit card or airline credit card specifically, you’ll want to explore the loyalty program to ensure you understand how it works and whether it makes sense for you. If you never fly, for example, there’s no sense in earning airline miles.
• Consider flexible travel options: Decide whether a  flexible travel credit card might work better. While some cards only let you redeem points within a specific loyalty program, others allow you to cash in points for any travel purchase you want or for additional redemption options like gift cards or merchandise.
• Look at 0% APR offers: Many cards on our list also offer an introductory 0% APR for a limited time. Some of these offers apply only to purchases, but a few apply to balance transfers, as well.
• Look for other cardholder perks: Finally, consider which cards offer the benefits you want most, whether those include no foreign transaction fees, elite status with a loyalty program or travel insurance benefits. Ideally, you’ll find a card with rewards you can use and cardholder perks that make sense for the way you travel.

Find the Best Travel Credit Cards for 2024

Find the best travel credit card for your travel needs.

How To Apply for a No-Annual-Fee Travel Credit Card

It is often easiest to compare and apply for credit cards through the card issuer’s website. Though you can often apply over the phone or by mail, these methods may take longer and be less convenient.

Applicants should know their credit scores and credit histories before shopping for cards. No-annual-fee travel credit cards may require good to excellent credit for an application to be successful. The better your score and credit history, the better your chances for approval.

Any applicant can take steps to increase creditworthiness and chances of approval for new cards. These steps include clearing up any outstanding debts carried elsewhere and decreasing your credit utilization ratio , representing how much of your overall available credit is used. Applicants should also become familiar with the card’s terms and conditions and check for any important details in the fine print before applying.

Is a Credit Card With No Annual Fee Worth It?

A credit card with no annual fee, as long as it offers you benefits and rewards that you can use, is worth it. The real question is this: Is there another card that’s better? There may be another no-annual-fee card that offers rewards more in line with your spending habits or benefits that are more valuable to you. There could be a credit card with an annual fee that offers even better rewards and benefits—enough to offset the annual fee—that makes even more sense. It’s worthwhile to take some time to compare the available options so you can find the card that’s best for you.

Bottom Line

Many excellent travel cards offer lucrative rewards and benefits without charging an annual fee. Though no annual fee does not mean the absence of fees altogether, paying an annual fee is only worthwhile if a cardholder can extract at least as much value from that card beyond what the best no-annual-fee card can offer. Carefully do your research before applying for any card, and recognize that just because a card doesn’t charge an annual fee doesn’t mean it won’t stick you with interest and other fees if you don’t manage the account responsibly.

To view rates and fees for Blue Cash Everyday® Card from American Express please visit this page . To view rates and fees for Bilt World Elite Mastercard® please visit this page . To view rates and fees for Hilton Honors American Express Card please visit this page . ¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. ¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Frequently Asked Questions (FAQs)

What is the best credit card with no annual fee and cashback.

There is not one no-annual-fee cash-back card that tops all others, as everyone has a unique credit profile and set of needs. Our list is designed to give you a starting point for your search. If you are looking for a card with no annual fee and category bonuses, consider the Chase Freedom Flex℠ * . If you are looking for no annual fee and simple cash rewards, consider the Wells Fargo Active Cash® Card.

What benefits are common for no-annual-fee cards?

Each card offers its own suite of benefits. These vary depending on the vendor, but most credit cards offer fraud protection (all consumer cards are required to offer a certain degree of protection), and many offer some sort of rewards or intro APR.

What is the best credit card for airline miles with no annual fee?

We consider the United Gateway℠ Card and the JetBlue Card * to be among the best no-annual-fee airline cards, but the card best for you depends on your spending habits, airline preference and more. Other airlines also offer no-annual-fee options, but all airline cards without an annual fee are light on the benefits compared to annual-fee card peers. If you regularly fly with a specific airline or if you occasionally fly but usually check a bag, consider an airline card with an annual fee. While you may pay an annual fee, the savings from a free checked bag and other benefits could save you money in the long run.

Which no-annual-fee travel cards offer the best welcome bonus?

Welcome bonuses vary not only by the card but by the day. Banks frequently publish new promotions, so welcome bonuses may change without much notice. A couple of cards consistently offering solid welcome bonuses are the Chase Freedom Flex℠ * and the United Gateway℠ Card .

What credit score do I need to get a no-annual-fee travel card?

Generally, rewards cards—including travel credit cards—typically require good to excellent credit even when the card doesn’t have an annual fee. A score in the good range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards, you can expect to need a score of 740 or higher to qualify.

What is the best travel rewards credit card with no annual fee?

The best travel rewards card for you may not be the best travel rewards card for the next consumer. While we believe the Chase Freedom Flex℠ * may be an excellent overall choice for many, we urge you to carefully research whether the card’s reward structure matches your spending habits and if this card’s set of travel benefits and protections will serve you better than another card.

When should I look for a no-annual-fee credit card?

Though many cards in the list of no-annual-fee credit cards above require a more robust credit history than most when initially looking for a credit card , no-annual-fee credit cards make great first credit cards. Many no-annual-fee cards also offer low or 0% introductory APRs on purchases or balance transfers when you need to make a large purchase or complete a balance transfer, but applying for any credit card should only be done when you’re ready for the responsibility associated with a credit card account.

Can you get a no-annual-fee travel card with bad credit?

It may be difficult to qualify for a no-annual-fee travel card with bad credit. You should first consider the best cards for bad credit and focus on improving your credit score to gain access to better credit card products in the future.

Is it hard to qualify for a no-annual-fee travel credit card?

It’s not necessarily hard to qualify for a no-annual-fee travel credit card, but your credit profile will be evaluated when you apply.

Next Up In Credit Cards

• Best Credit Cards 2024
• Chase Sapphire Preferred Credit Card
• Capital One Venture X Credit Card
• Best Rewards Credit Cards
• Can I Add My Child To My Credit Card?
• How Many Credit Cards Should I Have?

*The information for the following card(s) has been collected independently by Forbes Advisor: Chase Freedom Flex℠, Alliant Cashback Visa® Signature Credit Card, U.S. Bank Altitude® Go Visa Signature® Card, Amex EveryDay® Credit Card, Marriott Bonvoy Bold® Credit Card, JetBlue Card . The card details on this page have not been reviewed or provided by the card issuer.

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can.

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The 2024 pacific access category and samoan quota ballots open on 20 may 2024.

Registrations will open for the 2024 Samoan Quota and the Pacific Access Category on Monday 20 May 2024 at 08:00 New Zealand Standard Time (NZST).

The Samoan Quota and Pacific Access Category are 2 longstanding visa categories that allow people from the Pacific to become permanent residents in New Zealand. Both schemes operate through an annual ballot.

This year, up to 1,650 Samoan citizens, 250 Tongan and 250 Fijian citizens and 75 Kiribati and 75 Tuvaluan citizens will be granted residence. You can register for the annual ballot online.

Online guides are available on our website to help you register for the ballot.

Samoan Quota Resident Visa

Pacific Access Category Resident Visa

Guides and flyers are available in English and Samoan for the Samoan Quota, and in several Pacific languages for Pacific Access Category.

Pacific Access Category and Samoan Quota guides and flyers

The 2024 Samoan Quota and Pacific Access Category ballots will close on Sunday 30 June 2024 at 17:00 (NZST).

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Update April 12, 2024

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