Finding a credit card with a generous rewards program and great benefits doesn’t have to mean paying sky-high annual fees. If you’re a casual traveler or just starting to explore travel rewards, there are some fantastic options that come with an annual fee of only $95. Here are seven of the best credit cards to snag for that price, packed with perks like hotel points, lounge access, and more!
Topping the list is the Sapphire Preferred, a fan favorite in the travel community. For $95 a year, this card earns five points per dollar on travel purchases made through the Chase Ultimate Rewards portal, three points on dining, grocery stores, and streaming services, and two points on other travel purchases. It also offers a 60,000-point welcome offer, an annual hotel credit, and a bonus when redeeming points through Chase’s portal. The flexibility and value this card offers make it a must-have for any miles and points fan.
The Venture Card is an easy-to-use travel card that earns two miles per dollar on every purchase. With a 75,000 Bonus Miles welcome offer, TSA PreCheck/Global Entry credit, and a low annual fee, it’s perfect for those who want a simple rewards system. Plus, it pairs well with the more premium Capital One Venture X Rewards Credit Card if you’re looking to build a two-card setup. With its straightforward earning structure and strong benefits, it’s a solid choice for any traveler.
The Citi Premier is an excellent option for people who want a flexible points program and solid earning potential. With 10 points per dollar on hotels and rental cars, three points on travel, restaurants, and gas stations, and a 70,000-point welcome offer, this card provides great value for everyday spenders. Plus, Citi's vast range of transfer partners gives users the flexibility to redeem points with airlines, hotels, and more. It’s a fantastic card for people looking to earn big on both everyday purchases and travel.
For anyone with a side hustle or business, the Ink Business Preferred is an incredible deal at an $95. It offers90,000 Bonus Points as a welcome offer, which can be transferred to over 10 different travel partners, giving you tons of flexibility. Plus, it earns three points per dollar on categories like travel, shipping, internet, and advertising. Business owners and side hustlers will love the ability to rack up points quickly, all while keeping annual fees low.
If Hilton is your go-to brand, the Hilton Honors Surpass offers plenty of value. With 12 points per dollar at Hilton properties, six points at restaurants, supermarkets, and gas stations, and three points on other purchases, you can rack up Hilton Honors points quickly. This card also includes automatic Hilton Gold status, 10 free lounge visits through Priority Pass, and a generous welcome offer. The $15,000 annual spend requirement for a free night might be a tough ask, but the points and perks are worth it for regular Hilton guests.
For those who prefer Marriott hotels, the Marriott Bonvoy Boundless is an excellent option. With an $95,this card earns 17 Bonvoy points per dollar at Marriott properties, three points per dollar on select everyday purchases, and offers a free night award worth up to 35,000 points each year. Plus, it comes with automatic Silver Elite status, which means a bonus on points earned during stays. Marriott’s vast network of hotels makes this card ideal for frequent travelers to their properties.
The IHG Premier is a sleeper hit for hotel stays, offering a solid suite of benefits for a reasonable fee. With an $99, you can earn 140,000 Bonus Points after meeting the minimum spend requirements, plus a free night every year when you redeem your points. Enjoy automatic Platinum Elite status, a free fourth night after booking three nights, and bonus points for purchases at IHG properties. While IHG points are non-transferable, if you're loyal to this hotel brand, this card delivers great value.
Why $95 Cards Are Worth It
These seven cards show that you don’t need to spend hundreds of dollars on an annual fee to enjoy luxury benefits like hotel points, travel perks, and valuable bonuses. Whether you’re a frequent traveler or someone who just wants to start earning points toward your next vacation, a $95 annual fee card can offer you plenty of value. So, what’s the best part? You can maximize your rewards without breaking the bank.
Ready to apply? Consider one of these top $95 annual fee credit cards and start earning points toward your next trip!
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