First National Bank TravElite American Express card: The Best No Annual Fee Credit Card, You’ve Never Heard Of

With most cards, you get a percentage of what you spend. With the First National Bank TravElite American Express card, you get a $100 travel credit every year, with no minimum spend requirements or annual fee.

When we talk about good or best credit cards, we’re looking for:

  1. Return on spend- Is it possible to maximize the value you get back without spending too much money?

  2. No annual fee, if possible

  3. Good perks and benefits like extended warranty and trip delay insurance

First National Bank TravElite American Express® Card

The basics:

  • No annual fee

  • Earn 25,000 points to redeem for a $250 statement credit when you spend $2,500 within 3 months

  • Earn 3x points on travel

  • Earn 1.5x on everything else

  • $100 Annual travel credit

  • $100 Global Entry or

The points are worth 1 cents per point, so you can redeem them for travel, gift cards, or cash. Be aware: there is a $15 transaction fee to book travel through their portal. It makes the most sense to redeem for cash because the points are worth the same across the board.

The $100 travel credit doesn’t apply to flights or seat upgrades. Travel credits can be redeemed for baggage fees, lounge access, and meals on the plane. Credits typically take 2–4 weeks to post, so don’t worry if it’s not reflected right away.

The credit card makes sense because of the sign-up bonus, not the best, but worth it for a no annual fee card with travel perks.

What’s the catch?

If the card is so great, why haven’t I heard of this card before? It’s pretty difficult to get this card.

A few data points have suggested the credit issuer requires 720+ credit score and less than 6 inquiries within the past 6 months. It’s a balancing act between new accounts, credit inquiries, and your credit score.

If you’re someone who doesn’t have a lot of credit cards, this might be a good option for you.



Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.