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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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The ratings for these cards have been determined
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as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
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Let’s look at some of the best travel rewards credit cards available in 2024, review their perks and benefits, and consider which card might be the best one for you to sign up for.
*The information regarding the American Express® Green Card and Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
LIMITED TIME OFFER: Earn 60,000 points after spending $6,000 in the first 6 months. Plus, receive 20% back in statement credits at restaurants worldwide within the first 6 months, up to $100 back. Offer ends 11/6/24.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Annual fee of $95
10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points at restaurants, supermarkets, gas stations, EV charging stations, air travel, and hotels
LIMITED TIME OFFER: Enjoy $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
5x points for flights booked directly with airlines or with AmexTravel.com and on prepaid hotels booked with AmexTravel.com
1.5x points on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers.
Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), and more
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
4x points on the 2 select categories where your business spent the most each month (up to the first $150,000 in combined purchases from these 2 categories each calendar year)
3x points on flights and prepaid hotels booked on AmexTravel.com
LIMITED TIME OFFER: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months.
Annual fee of $95
3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Cell phone protection
Best Travel Credit Cards for First-Time Cardholders
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
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.
One of the most compelling reasons to sign up for a travel rewards credit card is to fund your travel goals, and one of the most valuable ways to accomplish this is to earn Chase Ultimate Rewards points. That’s because Chase Ultimate Rewards points are easy to earn and offer flexible redemption options.
This is a great card for first-time cardholders since you’ll earn 5x points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases, and select streaming services, plus 2x points on all other travel purchases.
When it comes time to redeem your Ultimate Rewards points — whether you’re transferring your points to the Chase travel partners or using the Chase travel portal to book your travel — the experience will make you a fan forever.
You can’t go wrong beginning your travel-rewards journey with any Chase credit card that earns Ultimate Rewards points. The Chase Sapphire Preferred card is an especially fine first choice because it allows you to redeem your points for 25% more in value. Plus, it comes with perks like a $50 annual Ultimate Rewards hotel credit, and bonus points equal to 10% of your total purchases made the previous year.
It’s difficult to find a downside to the Chase Sapphire Preferred card as it’s one of the most well-rounded travel rewards cards out there. If we had to dig deep and find any travel benefits that would make the card better, however, it would be that the card does not reimburse for Global Entry or TSA PreCheck fees or offer lounge access.
With that having been said, for a modest annual fee of $95, the card provides exceptional value as a travel rewards card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
All information about American Express® Green Card has been collected independently by Upgraded Points.
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This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
40,000 points
$880
$150
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.
Pros
3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
Up to $189 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
Cons
$150 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
$189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
$100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
American Express Membership Rewards points are some of our favorite points to earn thanks to their wide variety of redemption options, and their ability to be redeemed with high-value AmexTravel.com partners.
Fortunately, the Amex Green card is great at earning points since it earns 3x points at restaurants worldwide, on all eligible travel purchases (including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals), and transit purchases (including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways).
We also love that the card includes rental car insurance, trip delay insurance, baggage protection, access to Amex Offers, purchase protection, and much more.
All information about the American Express® Green Card has been collected independently by Upgraded Points.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A powerful point earning card with access to transfer partners.
A powerful point earning card with access to transfer partners.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
60,000 points
$900
$95
21.24%, 26.24%, or 29.99% Variable APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Wells Fargo Autograph JourneySM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.
Plus the card offers flexible redemption options including access to transfer partners, an annual credit towards airfare, and no foreign transaction fees (rates & fees).
Pros
5x points on hotels
4x points on airfare
3x points on other travel and restaurants
Cons
$95 annual fee
List of transfer partners is smaller than competing programs
Select “Learn More” 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.
Financial Snapshot
APR: 21.24%, 26.24%, or 29.99% Variable APR
Foreign Transaction Fees: None
The Wells Fargo Autograph Journey Card is a great option for those who love to travel and want to rack up as many points as possible on their travel purchases.
With it, you’ll earn 5x points on hotels, 4x points on airfare, 3x points on travel and dining, and 1x points on all other purchases. Further, unlike with competing cards, you do not need to make your hotel or airfare purchases through a specific travel portal to be eligible for bonus points — so you can choose whatever platform works best for you.
Plus, the Wells Fargo Autograph Journey card offers perks like a $50 annual statement credit with a $50 minimum airline purchase, up to $1,000 of cell phone protection, lost baggage insurance, auto rental collision damage waiver, access to the Wells Fargo Rewards transfer partners, no foreign transaction fees, and more, all for a low annual fee ($95).
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
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. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
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 with American Express Travel when you pay with 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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
When you prefer the best travel experiences, you want only the best travel rewards card. If you’re an international traveler who won’t settle for anything less than a nice comfy seat, lounge access, and premium travel perks and benefits, you’re going to want the Amex Platinum card.
The benefits of the Amex Platinum card collectively create a stunning package of everything a luxury international traveler needs to elevate their travel experience.
Note that some benefits require enrollment through your American Express account.
The Best Travel Earnings: With the Amex Platinum card, earning valuable Membership Rewards points is simple. Make your flight and prepaid hotel purchases through AmexTravel.com, and you’ll earn 5x points.
Make Checked Luggage Fees Disappear: Use your airline fees credit for incidental airline fees reimbursed each year and forget about checked luggage fees or other incidental airline charges.
Get an Uber Credit: Each month you’ll receive $15 in Uber Cash. In December, you receive $35, for a total of $200 annually.
Offset the Cost of Your Hotel Stay: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which require a minimum 2-night stay, through AmexTravel.com when you pay with your card.
Enjoy Hotel Perks: Book a stay at a Fine Hotels + Resorts property via AmexTravel.com and receive a room upgrade, a $100 property amenity, late checkout, and more. For 2-night stays or more at The Hotel Collection, you’ll receive room upgrades and a $100 hotel experience credit.
There’s no doubt the Amex Platinum card has a high annual fee, however, the card does offer premium travel benefits that, if used, can more than offset that fee. And while the card offers many valuable statement credits, the airline incidentals credit can be difficult to use as it does not cover airline tickets.
We like the worldwide lounge access, especially Centurion Lounges. However, the Priority Pass membership, unlike Priority Pass Select memberships offered by other card issuers, does not include any participating restaurants.
Finally, although the card comes with a long list of special offers that can save you plenty of money, most offers require you to register or add an Amex Offer to your card in order to activate the offer.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
10x points on Lyft purchases through March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$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.
The Chase Sapphire Reserve card is not just another premium travel rewards credit card. Yes, it earns rewards on travel and dining, offers a fine collection of premium travel benefits (including lounge access), and grants annual statement credits for travel purchases.
But it also does something that no other travel rewards credit card does: when you redeem your points for travel on the Chase Travel portal, 50% more value is added to your points.
For example, if you redeem 60,000 Ultimate Rewards points, you’ll receive $900 in value toward your travel purchase.
While expensive long-haul premium flights can be better secured utilizing Ultimate Rewards airline transfer partners, a sweet spot for redeeming your Ultimate Rewards points is for first class domestic flights.
If you’re a frequent domestic traveler, this means you can basically travel in first class for the price of economy.
We should also talk about earning Ultimate Rewards, too, as the card is clearly a winner with earnings of 10x points on hotels, car rentals, and dining purchases through Chase Travel, 5x points on airfare through Chase Travel, and 3x points spent on all other travel and dining purchases. All other purchases earn 1x, and purchases using the Chase shopping portal can earn as much as 20x points.
Benefits of this card include a complimentary Priority Pass Select membership that includes access to over 1,400 network airport lounges worldwide, with more than 110 locations domestically.
While the Chase Sapphire Reserve card also comes with a high annual fee, you’ll find plenty of premium travel benefits that provide value. We like that the card includes Minute Suites with its Priority Pass Select membership, but the card falls short of the Amex Platinum card when it comes to overall worldwide lounge access.
Additionally, the card does not offer hotel or airline elite status.
Bottom Line: The world traveler can certainly find value in having the Chase Sapphire Reserve card, but the frequent domestic traveler who likes to fly first class, enjoys Priority Pass lounge access, and spends a lot on travel and dining will fare very well by having the card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
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.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
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 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
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Packed with premium benefits a traveler can appreciate, such as elevated rewards for travel purchases and a generous welcome bonus offer to jumpstart your earnings, you’ll find value early on as a cardholder.
Your earning and redemption experiences are also enhanced significantly when you utilize the Capital One Travel portal. With an extraordinary 10x miles on hotels and rental cars, 5x miles on flights, and an annual travel credit of $300, it will pay to utilize the portal frequently.
The elevated earning on the card goes beyond Capital One Travel purchases with 2x miles per dollar spent on every other purchase. Plus, at your card anniversary, you’ll earn another 10,000 miles.
If you’ll utilize Capital One Travel, this premium card offers a lot of value for just a $395 annual fee (rates & fees).
The Capital One Venture X card does have a higher annual fee than most travel rewards cards, but the card is a nice value alternative to premium travel rewards cards that come with even higher fees.
Additionally, in order to receive the best earning and redemption values, you must utilize Capital One Travel. Booking via Capital One Travel can negate any hotel elite benefits or elevated earnings you would normally receive when booking directly.
Bottom Line: With a lower annual fee for a premium travel rewards card, the Capital One Venture X card could deliver plenty of value for the cardholder who will utilize the Capital One Travel portal for travel purchases and redemptions.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$1,050
$95
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
Pros
Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
Earn big at grocery stores, gas stations, and dining
Automatic Silver Elite Status
Cons
$95 annual fee
Marriott Silver Elite Status is the lowest status tier
Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
For the traveler who values choice when it comes to hotels, you won’t find a hotel chain with more properties around the world than Marriott. Plus, each year after your card anniversary, you’ll receive a complimentary hotel night certificate (good for up to 35,000 points in value).
We like that the card delivers plenty of earning potential, good-value redemption options, and lots of additional benefits without a high annual fee.
Additional benefits of having the Marriott Boundless card include:
Complimentary Elite Status: 15 elite night credits per year toward a higher elite status, good for Silver Elite status
Accelerated Earnings: Earn up to 17x points at participating Marriott hotels and 2x points on all other purchases
Baggage delay insurance and lost luggage reimbursement
Travel accident coverage
No foreign transaction fees
The Marriott Boundless card does come with a $95 annual fee, so utilizing the annual free night certificate would be critical to receiving full value from the card. Additionally, the Marriott Bonvoy Silver Elite status that comes with the card is the lowest level of status in the loyalty program.
Bottom Line: If you’re loyal to a particular hotel brand, it makes sense to earn additional rewards on those hotel expenditures with a hotel-branded travel rewards credit card… especially when those rewards can be turned into more free nights.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
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. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
60,000 points + up to $100 back
$1,420
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
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. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
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.
$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 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 to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
Want a card that doubles as an everyday spending card and a travel rewards card? Get richly rewarded with the Amex Gold card that offers a stellar 4 points per $1 spent at U.S. supermarkets, up to $25,000 per calendar year (1x thereafter), and 4 points per $1 spent at restaurants, up to $50,000 per calendar year (1x thereafter).
As a traveler, there’s no need to be loyal to a single airline — with the Amex Gold card, you’re going to earn 3 points for every $1 spent for flights purchased directly from the airline and via AmexTravel.com.
You can also redeem those Membership Rewards points for travel with any airline or hotel and for other travel purchases at AmexTravel.com.
With a $325 annual fee (rates & fees), you can offset that fee thanks to the card’s 4x rewards on dining and supermarket purchases, and fantastic annual credits:
Up to $120 in Uber Cash for rides or eats orders in the U.S. (distributed as $10 per month)
Up to $120 in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, & Five Guys (distributed as $10 per month)
Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
Up to $84 Dunkin’ credit redeemable at Dunkin’ locations (distributed as $7 per month)
If there’s another downside to the card, it might be that the card does not offer any type of lounge access — but we might be getting a tad critical.
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card.The current public offer is 60,000 points + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points
$1,120
$95
21.24%- 29.24% Variable APR
The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.
Pros
10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Financial Snapshot
APR: 21.24%- 29.24% Variable APR
Foreign Transaction Fees: None
The Citi Strata Premier card earns 3x ThankYou Points on everyday purchases such as restaurants, supermarkets, gas stations, and EV charging stations. Plus, you’ll be earning 3x ThankYou Points on air travel and hotels, or even 10x points on hotels, car rentals, and attractions booked through CitiTravel.com. If you spend a lot in these bonus categories, the card will offer strong earnings for your spending mix.
The card offers a generous welcome bonus and no foreign transaction fees. It also offers as a $100 hotel credit each calendar year for a single hotel stay of $500 or more.
Hot Tip: With so many different issuers in the travel credit card space, it’s a good idea to familiarize yourself with each bank’s specific rules before applying.
Best Credit Cards for Travelers Who Want Simple Earnings and Redemptions
Keeping track of bonus spending categories, quarterly registrations, and complicated redemption processes may have deterred you from securing a travel rewards-earning credit card.
If that’s the case, you’ll find these 2 travel rewards cards refreshingly simple:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
$250 Capital One Travel Credit + 75,000 miles
$1,600
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
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
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 $100 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
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
The only downside to the Capital One Venture Rewards card is that it has an annual fee of $95 (rates & fees). If you spend enough on the card, however, the ongoing fee should not be an issue.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Earn a total of 2% cash-back on every purchase: 1% when you make a purchase and 1% when paying your card (earned as ThankYou Points)
Unlimited earnings
Redeem for cash-back, travel, a statement credit, or gift cards
No annual fee
We like that the card earns cash-back on every purchase you make on a daily basis. There are, however, no additional bonus categories to reward your highest purchases.
Cardholders can transfer ThankYou Points to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio, but will need a premium Citi ThankYou Point-earning cards to receive potentially higher value when transferring points to the full suite of travel partners.
The card also charges a 3% foreign transaction fee and does not come with any travel benefits or protections.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
Pros
3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
You don’t have to be a big spender to earn travel rewards. With a relatively low minimum spend requirement, once you’re approved for the Amex Blue Cash Everyday card, you can earn a welcome bonus and jumpstart the rewards-earning process.
Perhaps you haven’t pursued a rewards-earning credit card because you don’t spend a lot and might be wondering whether it’s worth the effort at all. You may be surprised to learn that the purchases you’re already making can earn rewards to help you fund a trip, or just add some cash to your bottom line.
Because you’ll be earning rewards on your everyday purchases with the Amex Blue Cash Everyday card, you don’t have to spend big for the cash-back to start adding up. On groceries alone, you’ll earn $180 after getting 3% back from $6,000 in annual purchases at U.S. supermarkets.
Cash-back is the most liquid form of rewards you can earn. Whether your travel goal is a weekend trip away with the family or a flight to visit an old friend, you can utilize the cash-back you earn on the Amex Blue Cash Everyday card to help offset the cost of your adventure.
Unfortunately, redeeming cash-back is limited compared to flexible rewards points that could be transferred to travel partners for the potential to earn greater value. You won’t have this option with cash-back.
Hot Tip: If you’re working toward a travel goal and using a cash-back credit card, you may want to purchase gas, hotel, or other travel-related gift cards with your rewards to help save for your trip.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Pros
6% cash-back at U.S. supermarkets (up to $6,000 per year)
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
$0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center
Redeem cash-back through your American Express account
It’s Friday afternoon and the workweek is done. You’re ready to high-five the family when you arrive home because you’re hitting the road for a weekend adventure. It doesn’t happen often … but this weekend it’s on!
We’re certain the Amex Blue Cash Preferred card was created with family roadtrippers in mind. After all, you’ll earn cash-back on all the purchases you’ll be making during your trip, and you can use the cash-back you earned previously on everyday expenses to actually help fund your trip.
It’s a win-win cash-back solution for the family that hits the road together or those who just want a little extra cash flow.
Earning 6% cash-back on U.S. supermarkets (up to $6,000 per year, then 1%) delivers up to $360 each year in cash-back. Add all the cash you’ll earn with 3% cash-back on your U.S. gas stations, and you’ll have plenty of travel funds for that weekend road trip.
Not only do you earn cash-back at U.S. supermarkets and U.S. gas stations, but the card also offers 6% cash-back on select U.S. streaming subscriptions and 3% cash-back on transit, including taxis and rideshares, parking, tolls, trains, buses, and more.
The Amex Blue Cash Preferred card just might make you a family road trip hero!
The card does have an annual fee, so you’ll need to be spending enough on the card to offset that fee. We also prefer flexible rewards for the purpose of receiving potentially higher value at redemption time, but if you’re just trying to earn cash-back to help fund a family vacation, this card could work just fine for that purpose. Families can also take a look at our in-depth guide on the best credit cards for families for additional card choices.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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!
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Do you like to travel but have a tight budget? The Freedom Unlimited card has a little secret that might help you out.
The Freedom Unlimited card earns 5% back on travel purchased through the Chase Travel portal, 3% on dining and drugstore purchases, plus 1.5% back on all other purchases that fall outside of these bonus categories.
The trick is, the cash-back you earn on all of your purchases with the Freedom Unlimited card is not just cash-back; it can be redeemed for travel or transferred to Chase premium credit cards for even greater value.
If you like to travel on a budget, Ultimate Rewards points are perfect for securing economy flights on the Chase Travel portal. Booking travel is easy, and you can redeem your points for airline tickets, hotels, car rentals, and travel experiences.
To step up the value of your Ultimate Rewards points, you can transfer them to a Chase premium card such as the Chase Sapphire Reserve card or the Chase Sapphire Preferred card where the value of your Ultimate Rewards Points is increased by up to 50% more (see our example below). You’ll also have the option to then transfer your points to airline and hotel partners for even greater potential value.
With no annual fee, a simple earning structure, and the value you can receive when redeeming Ultimate Rewards Points (or transferring points to premium Chase cards), the Freedom Unlimited card is a fine choice for the budget traveler.
Normally, we wouldn’t recommend a card that charges a 3% fee on foreign transactions as a good choice for a travel rewards card. However, the card earns well on everyday purchases (and more), making it easy to accumulate a lot of rewards. Then, when paired with a premium Chase card, as mentioned above, your rewards will go much further.
Bottom Line: When redeeming Ultimate Rewards points for travel, you can pick any airline, hotel, or travel experience without worrying about award availability or blackout dates — redeeming your points is just like paying with cash. You’ll also be earning frequent flyer miles!
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.
The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.
So let’s have a look at what makes the card so valuable to travelers.
Pros
14x points per $1 on Hilton purchases
7x points per $1 on select travel and at U.S. restaurants
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for other purchases on your card.
Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
Enjoy complimentary Diamond status.
$550 annual fee.
Financial Snapshot
APR: 20.99% - 29.99% Variable
Foreign Transaction Fees: None
It’s unusual that a credit card alone would grant top elite status to the cardholder, especially without a required level of spending each year — but that’s exactly what you’ll receive by having the Hilton Aspire card. And it’s not the only premium benefit that comes with this card!
Top Diamond Elite Hilton Honors status: Valid for as long as you have the card, you’ll receive room upgrades (including suites), breakfast, hotel amenities, bonus points, internet, and more. Diamond elite members receive 20x Hilton Honors points at Hilton properties, and the Hilton Aspire card elevates that to a total of 34x points.
Free Hotel Room Nights: Receive 1 free hotel room night each card anniversary year, plus another when you spend $60,000 on the card each year. You’ll also receive your fifth night free when booking award nights with your points.
Airline and Hotel Statement Credits: Get up to $200 in airline credit, up to $400 Hilton resort credit, up to $189 Clear PLUS credit, and a $100 property credit at Conrad or Waldorf Astoria properties. .
Terms Apply.
The Hilton Aspire card comes with a high annual fee, so you would only want to have the card and pay that annual fee if you’re a Hilton loyalist who can realize most of the Hilton-centric benefits that come with the card.
That said, earning Hilton Honors points is easy: you’ll receive 14x points at Hilton properties; 7x points on airlines, AmexTravel.com purchases, U.S. restaurants, and U.S. rental cars; and 3x points on all other purchases.
Redeem your Hilton Honors points for the best value by booking free hotel nights with points or with cash and points. Our expert guide on the best ways to redeem your Hilton Honors points will help make sure you receive maximum value at redemption time.
All information about the Hilton Honors American Express card has been collected independently by Upgraded Points.
Best Business Card for Premium Perks and Lounge Access
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Pros
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$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 the Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
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.
The Amex Business Platinum card is an excellent option for business owners who travel often enough to take advantage of the luxury travel perks offered by the card. This includes perks like airport lounge access, hotel elite status, rental car elite status, up to $200 airline incidental credit, a 35% rebate with Amex Pay With Points, and 5x points on flights and prepaid hotels on AmexTravel.com.
While the card does charge a rather large annual fee, most business owners find they are able to get far more value out of it thanks to its range of annual credits with merchants like Dell, Indeed, Adobe, CLEAR Plus, and for wireless phone services.
When you look at everything the Amex Business Platinum card has to offer, it’s easy to see why it’s our pick for one of the best business credit cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 Points
$2,200
$375
19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Financial Snapshot
APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
When it comes to earning rewards, the Amex Business Gold card is easily one of the best options on the market.
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
Even if your spending habits change month to month, you’ll always earn 4x points on your top 2 spend categories, with no need to preselect them. Plus, you’ll earn 3x points on flights and prepaid hotels booked via AmexTravel.com.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If you’re looking for a one-size-fits-all business card, the Ink Business Preferred card might be the perfect option for you.
Not only is it great at earning points thanks to its 3x points on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites, but it also offers great redemption options. Cardholders can choose to redeem their points for cash-back, through the Chase travel portal with a 25% bonus, or via one of the Chase transfer partners.
Plus the card offers benefits like primary rental car insurance, cell phone protection, trip delay insurance, free employee cards, purchase protection, and more.
How We Selected Our List of Best Travel Credit Cards
There are several factors we use to determine our choices for the best travel rewards cards. Some of the most important factors include the level of associated travel benefits, earnings structure, best credit card bonus offers, fees, and travel redemption value.
Here is some insight into our thought process when selecting the best travel rewards cards:
We look for cards that earn well and either offer bonus earnings on travel purchases or have other bonus categories that provide for accelerated earnings. A good travel rewards card could also have flat-rate earnings on all purchases, making it easy to accumulate travel rewards on everyday purchases.
Welcome Bonus Offers
A card’s welcome bonus offer is a unique opportunity to earn a large number of rewards in a short period of time. Welcome offers do play a role when we select a travel rewards card to recommend. We’ll provide you with the current welcome offer information available to us for each card, but we also encourage you to confirm the offer and review any earnings offers before applying for any card.
Fees
The best travel rewards cards come with premium travel benefits, but you’ll also be paying a higher annual fee for those benefits. It’s important that the benefits offered by a travel rewards card could potentially offset any annual fee you’ll be paying. The best travel rewards cards also do not charge foreign transaction fees, although a card that does could still provide good value for domestic travel and offer good redemption for international travel.
Travel Redemption Value
A card will score high if it earns flexible rewards that allow for several options at redemption time. The best travel rewards cards provide the option to redeem points directly for travel, provide a bonus for rewards redeemed via a travel portal, allow rewards to be redeemed for statement credits for travel purchases, or allow the transfer of rewards to airline and hotel partners for the opportunity to receive the greatest potential value.
Travel rewards credit cards earn points or cash-back on every dollar charged to the credit card. They’re called travel rewards credit cards because you either earn points or cash on travel-related purchases, redeem points or cash for travel, or both.
Travel rewards credit cards can earn points or cash-back for travel purchases, dining, gas, groceries, or other categories. The rewards can be used for free travel or to offset the cost of travel.
The Difference Between Cash-Back Credit Cards and Travel Credit Cards
This should feel relatively straightforward, and it is! Cash-back credit cards are designed for those looking to earn cash-back on all of their daily purchases, and travel rewards cards are for those looking to earn rewards redeemable towards travel purchases.
While there are many travel rewards cards that offer the ability to redeem your points towards cash-back, you’ll often get significantly better value when redeeming them towards travel.
Further, it’s common for cash-back credit cards to not charge an annual fee, while most travel credit cards do charge an annual fee. Given that, travel rewards cards make the most sense for people who travel often enough that the rewards and card benefits will easily outweigh the annual fee.
The Different Types of Travel Credit Cards
When it comes to travel rewards credit cards, there are 4 main categories that nearly every card will fall into: transferable rewards cards, fixed-value rewards cards, airline cards, and hotel cards.
These cards are often rated as the very best travel credit cards in our view, due in large part to their flexibility. One of the best ways to consistently get great value out of travel rewards is by having multiple redemption options, and transferable travel rewards cards offer you that.
Fixed-Value Rewards Cards
A fixed-value rewards card is any that earns points in a program that offers you a predetermined value towards travel purchases when you redeem your rewards. One such program is Bank of America Preferred Rewards, which offers you a fixed 1 cent per point in value towards any travel redemptions you make through its travel portal.
Programs with fixed-value rewards take much of the complexity of the equation when it comes to redemptions, but what you make up for in ease-of-use, you lose the upside by not having access to higher-value redemptions that transferable programs offer.
Airline Cards
An airline credit card is one tied to a specific airline, which only earns points or miles for that airline alone. Further, all perks of the card will be tied to its airline, and popular features are free checked bags, early boarding, discounts on inflight purchases, and more.
Airline cards are a great option for those who are loyal to one airline and are working towards reaching high levels of elite status with that airline.
Hotel Cards
Similar to airline cards, hotel cards are tied to a specific hotel chain, and all of the rewards you earn are redeemable at hotels within that hotel chain.
Hotel cards can be a great way of enhancing your hotel stays, even on paid stays, as they often offer some level of complimentary elite status, which might offer benefits like late checkout, room upgrades, free breakfast, and more, depending on the hotel program.
The Pros and Cons of Travel Credit Cards
Pros of Getting a Travel Rewards Card
Rewards cards allow you to travel farther, and better, for less. Using points and miles can make any travel destination attainable, and you can even fly there in style in first or business class for a fraction of what a cash ticket would usually cost.
Welcome bonuses kickstart your travel savings. Most travel rewards credit cards come with very lucrative welcome bonuses that you receive after meeting a minimum spend requirement. These bonuses alone can be enough points for a free business class flight or multiple free nights in a luxury hotel.
Enhance your travel experiences. Having a travel rewards card can help make the whole experience of travel much nicer for you by giving you airport lounge access, an expedited airport security experience, and hotel elite status.
Save money each time you fly. Travel rewards cards, specifically airline cards, can help you save money each time you fly by offering you perks like free checked bags, free seat selection, discounts on inflight purchases, and priority boarding.
No foreign transaction fees. If you’re going to be traveling overseas, the last thing you want to do is use a card that charges foreign transaction fees, as it can add an extra 3% to all of your purchases. This is where travel rewards cards come in handy, as any card worth its salt won’t charge foreign transaction fees.
Cons of Getting a Travel Rewards Card
Rewards cards charge annual fees. Most travel rewards credit cards charge an annual fee, and the very best cards can charge annual fees of $550 to $695. Put simply, if you don’t travel often enough such that the benefits you receive from the card easily outweigh the annual fee you pay, then a travel rewards card probably wouldn’t be worth it for you.
Rewards redemptions can be complicated. Making strategic use of your points through transfer partners, tracking down award space, navigating airline alliances, and more can all be quite complicated at times. There is definitely a degree of difficulty added in for those looking to make the most out of their travel rewards points. That said, the juice is definitely worth the squeeze.
Not ideal for those who don’t pay their balance off in full. Travel rewards cards usually carry much higher interest rates than other types of credit cards. That said, if you pay your balance off in full each and every month, this should make little difference to you. On the other hand, if you’re not sure that you can pay your balance off in full every month, then travel rewards credit cards are not for you.
You should use a travel rewards credit card if you fall into the following 3 criteria:
You love to travel and want to earn travel rewards for every purchase you make that you can later redeem for free flights and hotel stays.
You travel often enough that, even though most travel rewards cards charge an annual, you know you’ll easily get more value out of the card thanks to benefits like airport lounge access, travel credits, hotel elite status, expedited airport security, and more.
When you receive your credit card statement, you pay it off in full each and every month so that you never pay interest on your purchases.
If you meet all of those 3 criteria, then you likely should be using a travel rewards credit card.
How To Choose the Best Travel Credit Card
If you’re still struggling to decide which travel rewards credit card is best for you, here are some tips to help you decide.
Consider What Rewards You Want To Earn — Transferable or Co-Branded
One of the biggest items to consider is the type of rewards you want to earn. Do you regularly fly with a certain airline or stay at a specific hotel chain and want a card that earns rewards and provides benefits that are specific to that airline or hotel? If so then you should opt for a co-branded travel rewards card.
If your travel patterns have more variation, or you simply prefer to earn flexible points that can be redeemed with a wide variety of airlines and hotels to give more options, then you’d be better off with a transferable travel rewards credit card.
What Travel Perks and Protections Are You Looking For?
The type of perks a travel rewards credit card will offer can vary greatly from items like airport lounge access, Global Entry or TSA PreCheck application fee credits, free checked bags, elite status, statement credits, and much more.
Consider which of the benefits are more important to you when selecting your new travel rewards credit card. If you want your new card to include airport lounge access, that will limit you to a certain set of card options, whereas if you want a card that offers automatic elite status with a specific hotel chain then your card options might be completely different. It’s all about determining what you value most.
Similarly, you’ll want to consider what protections you want your card to offer to help you narrow your options further. Do you want your card to have trip delay insurance, rental car insurance, purchase protection, etc.? These are all items that will help you decide the best travel rewards card for you.
Does the Card Have Great Bonus Categories To Help You Earn More Points?
Earning points, and then spending them on travel, is the name of the game. Given that, you want to make sure your new card helps you earn as many points as possible.
Some cards help you optimize for specific bonus categories, like the Amex Gold card that offers 4x points on restaurants and U.S. supermarket purchases, while others like the Capital One Venture card offer a flat 2x miles spent on any purchase.
Keep in mind that there’s no right or wrong answer here. Deciding which card will help you earn the most points will come down to your unique spending habits.
How To Make the Most of Your Travel Rewards Credit Card
Once you’ve added the best travel rewards credit card for you to your wallet, here are the steps to take to get the most out of it.
Use Your Card for as Many Purchases as Possible — And Pay It Off
Once you have your new card, you should begin using it for every purchase that you need to make so that you can start earning rewards. This is especially true for large recurring bills as those often help you earn the most points per transaction.
Further, most cards come with a welcome offer that can be worth anywhere from $500 to $2,000 after you meet the minimum spend requirement, so you’ll want to make sure you do so to prevent you from missing out on this big windfall of points.
If you have multiple travel rewards credit cards, make sure you are optimizing each purchase based on the bonus categories that each card offers. For instance, one card might offer 3x points on gas while the other offers 3x points on dining, so you’ll want to use them accordingly.
Lastly, and most importantly, you want to pay your statement balance on time and in full each and every month. This will keep you from having to pay any interest on your purchases and help increase your credit score by showing a record of great payment history.
Activate Perks That Your Card Offers
Many of the best travel rewards credit cards come with tons of great perks to give you added value, but you have to make sure they are activated in order to start using them.
For instance, the Amex Platinum card offers perks like Priority Pass lounge access, along with Hilton Honors and Marriott Bonvoy elite status, but you have to activate each of these perks from the benefits section of your account in order to start using them.
Similarly, the Chase Sapphire Preferred card offers 5x points on Lyft rides and benefits with DoorDash. To use these benefits, you’ll want to link your Chase Sapphire Preferred card as your payment method on these platforms and activate your benefits on their respective pages.
Make Sure To Use Your Statement Credits
If you have a card that offers any sort of statement credit, make sure you use that credit before it expires. Some cards offer an annual credit, while others dole out the credits monthly. For example, the Chase Sapphire Reserve card has a $300 annual travel credit that can be used all in one purchase if you so choose, while the Amex Gold card has up to $120 annual dining credit, up to $120 annual Uber Cash credit, up to $100 annual Resy credit, and up to $84 annual Dunkin’ credit.
Use Shopping Portals and Dining Programs
Linking your card to a shopping portal and/or dining program is a great way to earn even more points for purchases you were planning to make anyway.
This way, when you make a certain purchase through a shopping portal or dine at an eligible restaurant, you’ll earn points on top of the points you’d have already earned depending on your card’s bonus category.
Hot Tip: When it comes to online shopping, you can use a tool like Cashback Monitor to help you determine how many points you’ll earn for your purchase across a wide variety of shopping portals.
Tips for Getting Approved for a Travel Rewards Credit Card
Have a Strong Credit Score — This Is Why Building Credit Is Important
When submitting an application for a travel rewards credit card, arguably the most important factor is your credit score, as the higher it is the more likely you are to be approved for the card.
This is why building your credit is so important as having a strong score will allow you to be approved for cards that offer the best perks and rewards.
For the most part, if you have a credit score of 700 or better, you’ll have reasonably good odds of being approved for most travel rewards credit cards. If you don’t you’ll want to focus on improving your credit score by making sure you are paying your bills on time each month, keeping your credit utilization low, limiting the number of new accounts you open, and more.
Understanding the Difference Between APR and Interest
When adding a travel rewards card to your wallet, another important factor for you to be aware of is the card’s interest rate.
You may have heard both interest rate and annual percentage rate (APR) used, and while these 2 figures can be different for certain financial products, they are the exact same when it comes to credit cards.
The APR can vary from card to card and is the amount you will pay on any purchases that you do not pay in full on your credit card statement balance. This is why you want to make sure that you are always paying off your full statement balance when it posts to your account, as paying interest on your charges will negate the value of any rewards you accrued on the purchases you made.
How Old Do You Have To Be To Get a Starter Travel Rewards Credit Card?
Technically speaking, you’re eligible to get your first travel rewards credit card as soon as you turn 18 years old. That said, it will likely be difficult for you to get approved without previous credit history and a regular source of income.
Due to this, we recommend that you have at least 2 years of solid credit history before applying for your first starter travel rewards credit card.
If you’re not able to get your very own starter travel rewards card just yet, an excellent option is to become an authorized user on a trusted friend or family member’s account.
This allows you to use a caliber of card that you’d be unlikely to be approved for on your own and allows you to build your credit score faster by piggybacking off the main account holder’s more established credit history.
Again, you want to make sure the main account holder is someone that you trust because if they mismanage their credit, it will adversely impact you as well as the authorized user.
Final Thoughts
There’s a lot to think about when it comes to selecting a travel rewards-earning credit card. Fortunately, each card has its own distinct characteristics that match up with certain travel and spending profiles. This makes it possible to zero in quickly on which travel rewards credit card might be a good fit for you.
Remember, because Chase plays a prominent role in the travel rewards credit card arena, you’ll want to consider the Chase 5/24 rule in your selection process.
Regardless of which card you choose, we know for sure that travel rewards credit cards can change the way we travel and the way we live. The cards allow us to earn points, cash, or miles on purchases we would be making anyway and give us the ability to offset the cost of travel we may have never considered otherwise.
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 the car rental loss and damage insurance benefit of the American Express® Green Card, eligibility 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.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of the American Express® Gold Card, click here. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of the American Express® Business Gold Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Which is the best travel rewards credit card?
The best travel rewards credit card for you is the one that earns rewards you can use and fits your spending habits. For example, if your everyday spending is on groceries, gas, and at department stores, but you rarely travel, you won’t find value in a premium travel rewards credit card that offers global lounge access and luxury hotel perks. You probably won’t want to pay the high annual fee either. You may fare much better with a cash-back or flexible rewards-earning credit card that doesn’t charge an annual fee but allows you to earn rewards to offset the cost of an annual vacation.
What credit score do I need to get a travel rewards credit card?
You will generally need to have excellent credit to secure the best travel rewards credit cards. There are many sources of credit scores as each of the 3 major credit bureaus (Experian, Equifax, and TransUnion) have their own, and then there are combination scores such as FICO and VantageScore. According to Experian, an excellent VantageScore (which is widely used by creditors) is considered to be 750 or higher.
Which credit card is the best for international travel?
If you frequently travel internationally, you’ll want a credit card that doesn’t charge foreign transaction fees. Most of the travel rewards credit cards we covered in this article do not charge these fees. If you value premium travel perks and don’t mind paying an annual fee, you can’t go wrong with the Amex Platinum card or Chase Sapphire Reserve card. Both offer global lounge access, flight credits, and great redemption value for your points when redeemed for flights. If you can use the benefits these cards offer, you’ll receive value that more than offsets the annual fee.
How do you compare travel credit cards?
When comparing travel credit cards, you should first consider what type of card is best for your travel goals. Do you want a card that earns transferable rewards, or one for a specific airline? Then, you should consider factors like the card’s benefits, rewards rates, and annual fee, to help you determine which card would be the best fit for you.
What is the difference between points and miles?
Both terms of used interchangeably and it really just comes down to what the rewards program decided to name its rewards currency. For instance, when it comes to transferable rewards, you have Chase Ultimate Rewards “points” and Capital One “miles,” but both programs function in similar ways. Similarly, when it comes to airlines, you have American AAdvantage “miles” and JetBlue TrueBlue “points.”
How many miles do you need for a free flight?
How many miles you need to book a free flight can depend on a variety of factors like what program you are booking through, what cabin class you’d like to fly, how far you are flying, and the time of year you are planning to fly if the airline uses dynamic pricing.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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