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The information for the following product(s) has been collected independently by Business Insider: Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.
Introduction to the Best Travel Credit Cards
Whether you're just dipping your toe into the world of rewards credit cards or you've already flown thousands of miles on points alone, we can tell you: There's an ideal travel rewards credit card for everyone.
What are Travel Credit Cards?
Travel credit cards reward their cardholders with bonus points on travel-related expenses, and offer travel-related insurance benefits and purchase protections.
There's a card designed for people seeking free flights, hoping for free hotel stays, or just doing whatever it takes to realize their dreams of relaxing in an overwater bungalow. There are even no-annual-fee travel credit cards that won't cost you anything to maintain.
Let's take a look at the best choices available for you right now.
Best Travel Credit Cards of December 2024
- Best overall travel credit card: Chase Sapphire Preferred® Card
- Best travel credit card for beginners: Capital One Venture Rewards Credit Card
- Best no-annual-fee travel credit card: Capital One VentureOne Rewards Credit Card (rates and fees)
- Best for spending at hotels: Wells Fargo Autograph Journey℠ Card (rates and fees)
- Best for travel rewards on everyday spending: Citi Strata Premier℠ Card
- Best travel card for students: Bank of America® Travel Rewards Credit Card for Students
- Most affordable premium travel credit card: Capital One Venture X Rewards Credit Card
- Best travel credit card for earning travel credit on dining and groceries: American Express® Gold Card
- Best premium card for travel bonus categories: Chase Sapphire Reserve®
- Best for luxury travel benefits and airport lounge access: The Platinum Card® from American Express
Compare the Best Travel Credit Cards
$95
N/A
20.99% - 27.99% Variable
Earn 60,000 bonus points
Good to Excellent
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn't offer a Global Entry/TSA PreCheck application fee credit
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Sapphire Preferred Card- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
$95
N/A
19.99% - 29.74% variable
Earn 75,000 bonus miles
Good to Excellent
- $50 experience credit and free upgrades on Capital One Lifestyle Collection bookings
- Includes a statement credit for Global Entry or TSA PreCheck
- Other credit cards offer higher rewards in certain categories of spending
If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Venture Rewards Card- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
$0
0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)
19.74% - 29.74% Variable
Earn 20,000 miles
Good to Excellent
- No annual fee or foreign transaction fees
- Versatile rewards
- Earn 1.25 miles per dollar on all purchases with no bonus categories to track
- Lower earning rate than some other no-annual-fee rewards cards
- Limited benefits
The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.
VentureOne Rewards Card- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
$95
N/A
20.49%, 25.49%, or 29.49% Variable
Earn 60,000 bonus points
Good or Excellent
- Trip cancellation and lost baggage protection
- Airline and hotel transfer partners available
- Welcome bonus
- Generous cellphone protection
- Low annual fee
- Transfer partner network not as diverse or robust as competitors
The Wells Fargo Autograph Journey℠ Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's also has a Points Transfer program that allows cardholders to juice maximum value from every point they earn.
Autograph Journey℠ Card- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 Annual Fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
$95
N/A
21.24% - 29.24% variable
Earn 75,000 bonus points
Good to Excellent
- Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
- Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
- $100 annual hotel credit on a single stay of $500 or more
- No foreign transaction fees
- Trip delay/interruption benefits and lost/damaged baggage coverage
- Has an annual fee
- Citi Travel rates often are higher than retail cost of travel
$0
0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account
17.99% - 27.99% Variable
25,000 online bonus points
Good to Excellent
- Generous welcome bonus for a student credit card
- No annual fee or foreign transaction fees
- Earns flexible points you can use toward a wide variety of travel purchases
- Other travel rewards cards have higher earning rates
- Few travel-related benefits compared to other travel cards
A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.
Bank of America Travel Rewards Card for Students- The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
- 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
- Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
- No annual fee or foreign transaction fees
- 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account
$395
N/A
19.99% - 29.74% variable
Earn 75,000 bonus miles
Excellent
- Excellent welcome bonus and miles earning
- Premium perks including airport lounge access and credits for certain purchases
- Visa Infinite benefits including travel and shopping protections
- High annual fee
- Annual travel credits only apply to Capital One Travel purchases
The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.
Capital One Venture X Rewards- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
$325
N/A
See Pay Over Time APR
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of Card Membership
Good to Excellent
- Great rewards for dining and for shopping at U.S. supermarkets
- Monthly statement credit for eligible dining purchases recoups some of the annual fee
- Underwhelming welcome bonus
Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.
Amex Gold Card- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
$550
N/A
21.99% - 28.99% Variable
Earn 60,000 bonus points
Good to Excellent
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
$695
N/A
See Pay Over Time APR
Earn 80,000 Membership Rewards® points
Good to Excellent
- Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
- Annual statement credits with Saks and Uber
- Bonus categories leave something to be desired
- One of the highest annual fees among premium travel cards
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.
Amex Platinum Card- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
Best Travel Credit Card Reviews
The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.
Best Overall: Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees.
The card comes with fantastic travel protection benefits, especially given the $95 annual fee price point. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.
You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal.
The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.
The Chase Sapphire Preferred® Card currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Business Insider values Chase points at 1.8 cents each, on average, making this bonus worth around $1,080 in travel value.
What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus
What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry
Read more: Chase Sapphire Preferred® Card card review.
$95
N/A
20.99% - 27.99% Variable
Earn 60,000 bonus points
Good to Excellent
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn't offer a Global Entry/TSA PreCheck application fee credit
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Sapphire Preferred Card- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Best for Beginners: Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a great "set it and forget it" card because you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel and 2x miles on all other purchases.
Capital One Venture and Spark Miles credit cardholders can also book Capital One Premier Collection Hotels worldwide to receive elite benefits including a $50 hotel experience credit, room upgrades when available, and early check-in/late checkout when available.
The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem travel rewards: You can use your miles to cover recent travel purchases from your card statement at a rate of 1 cent per mile.
You also have the option to transfer Capital One miles to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners.
The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles. On the bright side, you can always use your miles to cover your travel purchases. You also get up to a $120 Global Entry/TSA PreCheck® application fee credit.
What the experts love: The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.
What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.
Read more: Capital One Venture Rewards Credit Card review
$95
N/A
19.99% - 29.74% variable
Earn 75,000 bonus miles
Good to Excellent
- $50 experience credit and free upgrades on Capital One Lifestyle Collection bookings
- Includes a statement credit for Global Entry or TSA PreCheck
- Other credit cards offer higher rewards in certain categories of spending
If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Venture Rewards Card- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Best for No Annual Fee: Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card (rates and fees), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.
New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening, worth at least $340 in travel according to Business Insider's valuations. While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you.
You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance, travel accident insurance, and purchase assurance. This is also a solid pick if you're looking for a zero-interest credit card with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.74% - 29.74% Variable APR (rates and fees).
What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer
What the experts don't love: Few travel benefits, lower earning rate
Read more: Capital One VentureOne Rewards Credit Card review
$0
0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)
19.74% - 29.74% Variable
Earn 20,000 miles
Good to Excellent
- No annual fee or foreign transaction fees
- Versatile rewards
- Earn 1.25 miles per dollar on all purchases with no bonus categories to track
- Lower earning rate than some other no-annual-fee rewards cards
- Limited benefits
The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.
VentureOne Rewards Card- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
Best for Boutique Hotels: Wells Fargo Autograph Journey℠ Card
The Wells Fargo Autograph Journey℠ Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain.
This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card, and the Capital One Venture Rewards Credit Card. In exchange, cardholders earn at least 3x on restaurants and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.
The Wells Fargo Autograph transfer partners are Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any travel partners above for additional value.
What the experts love: High bonus rates on hotels and flights
What the experts don't love: Limited transfer options (for now)
Read more: Wells Fargo Autograph Journey credit card review
$95
N/A
20.49%, 25.49%, or 29.49% Variable
Earn 60,000 bonus points
Good or Excellent
- Trip cancellation and lost baggage protection
- Airline and hotel transfer partners available
- Welcome bonus
- Generous cellphone protection
- Low annual fee
- Transfer partner network not as diverse or robust as competitors
The Wells Fargo Autograph Journey℠ Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's also has a Points Transfer program that allows cardholders to juice maximum value from every point they earn.
Autograph Journey℠ Card- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 Annual Fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best Travel Rewards on Everyday Spend: Citi Strata Premier℠ Card
The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x on air travel, gas stations, restaurants, supermarkets, and hotels, and 1x on everything else.
Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.
While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners, including JetBlue, Singapore Airlines, and Wyndham.
What the experts love: Strong rewards earning in useful everyday categories, access to Citi's transfer partners
What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards
Read more: Citi Strata Premier℠ Card review
$95
N/A
21.24% - 29.24% variable
Earn 75,000 bonus points
Good to Excellent
- Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
- Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
- $100 annual hotel credit on a single stay of $500 or more
- No foreign transaction fees
- Trip delay/interruption benefits and lost/damaged baggage coverage
- Has an annual fee
- Citi Travel rates often are higher than retail cost of travel
Best for Students: Bank of America® Travel Rewards Credit Card for Students
The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.
There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time.
The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.
However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.
What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning
What the experts don't love: No flashy extra perks or shopping benefits
Read more: Bank of America® Travel Rewards Credit Card for Students review
$0
0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account
17.99% - 27.99% Variable
25,000 online bonus points
Good to Excellent
- Generous welcome bonus for a student credit card
- No annual fee or foreign transaction fees
- Earns flexible points you can use toward a wide variety of travel purchases
- Other travel rewards cards have higher earning rates
- Few travel-related benefits compared to other travel cards
A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.
Bank of America Travel Rewards Card for Students- The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
- 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
- Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
- No annual fee or foreign transaction fees
- 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account
Cheapest Airport Lounge Access: Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles.
The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee (rates and fees). For context, this annual fee is significantly lower than that of other premium travel cards which offer airport lounge access.
Capital One Venture X Rewards Credit Card cardholders also receive $300 per year in credits toward travel booked through Capital One; Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users, for free); a 10,000-mile bonus on each account anniversary (worth $100 in travel); and Visa Infinite travel and purchase benefits.
Through the Capital One Premier Collection, Capital One Venture X Rewards Credit Card cardholders can access hundreds of premium hotels and resorts worldwide and receive elite-like benefits such as free breakfast, room upgrades, and on-property credits.
As with other cards that earn Capital One miles, you can transfer rewards to over a dozen airline and hotel partners to book award travel or use miles to book through the Capital One Travel Portal.
What the experts love: Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access
What the experts don't love: The $300 travel credit is more restrictive than that offered from other cards, and only applies to travel booked through Capital One
Read more: Capital One Venture X Rewards Credit Card review
$395
N/A
19.99% - 29.74% variable
Earn 75,000 bonus miles
Excellent
- Excellent welcome bonus and miles earning
- Premium perks including airport lounge access and credits for certain purchases
- Visa Infinite benefits including travel and shopping protections
- High annual fee
- Annual travel credits only apply to Capital One Travel purchases
The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.
Capital One Venture X Rewards- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Best Travel Rewards from Dining and Groceries: American Express® Gold Card
The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4X Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1X points), 4X Membership Rewards® points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1X points), 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com, 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X Membership Rewards® point on all other eligible purchases.
You can get up to $120 in annual dining credits after enrollment, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year. This is only applicable to U.S. Eats orders and rides, and the American Express® Gold Card needs to be added as a method of payment to the Uber app to receive the Uber Cash benefit.
What the experts love: 4x points on restaurants and at U.S. supermarkets, plus monthly dining credits
What the experts don't love: Other cards offer similar benefits for a lower annual fee, and the card's travel and dining credits have some important limitations, so read the fine print
Read more: American Express® Gold Card review
$325
N/A
See Pay Over Time APR
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of Card Membership
Good to Excellent
- Great rewards for dining and for shopping at U.S. supermarkets
- Monthly statement credit for eligible dining purchases recoups some of the annual fee
- Underwhelming welcome bonus
Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.
Amex Gold Card- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Best for Premium Travel Insurance: Chase Sapphire Reserve®
The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody. But if you're serious about maximizing your rewards and you travel frequently, this card can be worth the annual fee. It offers a bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network, which has more than 1,300 locations worldwide.
New benefits also include access to Chase Sapphire lounges in JFK, LaGuardia, Boston, and Hong Kong, as well as the Chase Sapphire Terrace in the Austin airport. You'll also receive monthly DoorDash benefits that can save you money on delivery (activation required).
The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required).
When redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.
Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.
What the experts love: 3x points on travel and dining purchases made outside the Chase Travel℠ Portal, annual $300 travel credit, and points are worth 1.5 cents apiece when booking travel through Chase
What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while
Read more: Chase Sapphire Reserve® review
Expert Insight: The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people.
$550
N/A
21.99% - 28.99% Variable
Earn 60,000 bonus points
Good to Excellent
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Best Luxury Travel and Airport Lounge Access: The Platinum Card® from American Express
The Platinum Card® from American Express has one of the highest annual fees of any travel card. But it can still be well worth it if you can utilize most or all of the card's statement credits and generous welcome bonus.
You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers American Express travel protection like trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of enrolling in an Amex Offer for bonus points or cash back).
The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership, you get access to Amex Centurion Lounges, Delta Sky Clubs (when you're flying Delta), and more.
The card's annual statement credits can go a long way toward offsetting the high annual fee. After enrollment, you get up to $200 in statement credits toward airline incidental fees like checked bags and in-flight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases after enrollment; and up to $200 in annual Uber credits (including Uber Eats).
The Platinum Card® from American Express comes with a range of valuable benefits that require activation, including up to $300 annually in Equinox credits; $199 a year in credits for CLEAR® Plus membership; up to $200 a year in credits toward eligible prepaid hotel bookings; up to $240 in annual credits toward eligible digital subscriptions; a monthly credit for Walmart+ membership; and up to $300 back for purchasing a SoulCycle At-Home Bike through Equinox+.
With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month. As of November 2024, an Amex credit card must be selected as the payment method for your Uber or Uber Eats transaction in order to redeem the Amex Uber Cash benefit.
What the experts love: Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks
What the experts don't love: This card's $695 annual fee (rates and fees), and minimal bonus categories
Read more: The Platinum Card® from American Express review
$695
N/A
See Pay Over Time APR
Earn 80,000 Membership Rewards® points
Good to Excellent
- Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
- Annual statement credits with Saks and Uber
- Bonus categories leave something to be desired
- One of the highest annual fees among premium travel cards
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.
Amex Platinum Card- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
Choosing the Best Travel Credit Card
Read Business Insider's guide to points and miles valuations to find out what your airline miles, hotel points, and credit card rewards are worth. Here's our methodology for assigning a cash value to your points and miles.
Why Choose A Travel Credit Card?
While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.
In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights.
In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:
You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.
Best Travel Credit Cards: Maximizing Benefits and Avoiding Fees
Credit card rewards can be exhilarating to earn and redeem, but they're never worth incurring debt.
Pay Off Your Balance in Full Each Month
The first rule of utilizing credit cards is to never carry a balance that incurs interest, because high fees will quickly eliminate any net gains from earning travel rewards. If you do have to carry a balance, consider getting one of the best balance transfer credit cards with 0% intro APR, so you can pay down what you owe without paying a lot of interest.
Track Your Benefits
Many of the best credit cards offer rotating benefits or periodic credits, such as The Platinum Card® from American Express's semi-annual Saks credit or the Chase Sapphire Reserve® annual travel credit.
Best Travel Credit Card Frequently Asked Questions
Travel credit cards offer various benefits including earning points or miles on travel and everyday purchases, access to travel perks such as lounge access and travel insurance, and often come with sign-up bonuses that can be redeemed for free flights or hotel stays.
When choosing the best travel credit card, consider your travel habits, preferred airlines or hotel chains, annual fee tolerance, and the rewards and benefits the card offers. Compare different cards to find one that aligns with your specific needs and travel goals.
Some potential downsides include annual fees, higher interest rates if you carry a balance, and rewards programs that might be restrictive if you don't travel frequently. It's important to weigh these factors against the benefits to determine if a travel credit card is right for you.
Yes, most travel credit cards allow you to earn points or miles on everyday purchases, which can help you accumulate rewards faster. However, the earning rate may vary depending on the spending category.
Look for a rewards program that offers a high earning rate on travel-related purchases, flexible redemption options, valuable travel perks, and a generous sign-up bonus. Additionally, consider if the card offers rewards that align with your travel preferences and spending habits.
If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.
We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.
There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points. Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program. You don't have the option to redeem your rewards with a wide variety of travel partners — or if you do, the transfer ratio usually isn't great.
Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card, make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.
Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel. The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points.
A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate.
Why You Should Trust Us: How We Chose the Best Travel Credit Cards
Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:
- Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
- Ongoing rewards — How many points or miles do you earn on your purchases?
- Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
- Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
- Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?
Read our guide to how we rate credit cards for a closer look at Business Insider's methodology.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Gold Card, please click here.
