Do you travel frequently and need the best travel credit card? Whether traveling for work, leisure, or other reasons, it costs money to travel. The exciting news is that there are travel hacks that can save you money while globetrotting. With a travel credit card, you can receive rewards that you can redeem to free trips and hotel stays. Also, some travel cards can offer emergency support like travel insurance and may not charge you to make overseas transactions.
Today’s article looks at the best travel credits to make your next trip less costly and fun.
What To Consider In A Travel Credit Card?
Consider several things if you’re looking to get a travel credit card. There’s no one size fits for these cards, and knowing what to consider can help you reap more card benefits.
The first thing to consider is the card type. Are you looking for a company-branded or general travel credit card? These two types of cards have their pros and cons. The co-branded travel credit cards are often associated with an airline or a hotel and can offer exclusive perks. For instance, you can get a free check for your bags or extra hotel amenities. An example is the Alaska Airlines Visa Signature card which offers a free checked bag and annual companion fare starting at $121. You can only redeem the rewards with that particular company which is one of the downsides of co-branded cards.
The general travel credit cards, on the other hand, offer plenty of spending options. You can use your rewards to pay travel expenses or redeem them for a statement credit.
Another thing to look for in a travel credit card is the APR (Annual Percentage Rate). The APR is the borrowing cost on your card, and it can depend on your credit score. Some credit cards like Discover It Miles have 0% intro APR which means you enjoy interest-free balance transfers and purchases, and other cards may not have this intro offer.
Do you travel overseas? You might want to consider the card’s international use and charges. Visa and Master Card, for example, are widely used worldwide, while others may not work in all destinations around the globe. Some travel credit cards don’t charge foreign transaction fees, while others do. With a zero-foreign-fee card, you can make overseas purchases without any transaction costs.
Travel perks are also things to look for when shopping for a travel credit card. These cards come with travel benefits like travel insurance and airport lounge access. You can get reimbursement for lost or delayed baggage, trip delay, interruption or cancellation, and car rental damage.
Another variable to look for is the annual card fee. Discover It Miles, for instance, charges zero annual fees, while Chase Saphire Reserve charges a $550 annual fee.
How Do Travel Credit Cards Work?
A travel credit card helps you get travel points for every eligible purchase. Once you hit the redeemable limit, you can convert your travel credit card points to cash for your statement credit or use them to pay for your next flight or hotel stay.
For example, with Chase Saphire Reserve, you can get 5X points on flight purchases and 10X points on Chase Dining purchases. You can then convert them for travel purchases or statement credit and get 50% more.
Some travel credit cards have annual fees, while others require zero fees. Travel credit cards with annual fees offer more travel rewards and perks. Also, options to redeem your travel credit card points vary depending on your credit card company.
10 Best Travel Credit Cards To Save Money On Your Next Trip
The best time to get your travel credit card is now. We understand that picking the right travel credit card can be exciting and confusing, and we’ve analyzed and compiled a list of the nine best travel credit cards for you.
| Card Name | Min Credit Score | Annual Fee | Sign-Up Bonus | Rewards Rate | Key Benefits |
|---|---|---|---|---|---|
Chase Sapphire Reserve | 720 | $550 | 60,000 points after spending $4,000 | 3x on travel & dining, 1x on other | $300 annual travel credit, Priority Pass lounge access, comprehensive travel insurance |
AmEx Delta SkyMiles® Gold Card | 690 | $0 intro for the first year, then $150. | 40,000 miles after spending $2,000 | 2x on Delta purchases, 1x on other | Free first checked bag, priority boarding, 20% in-flight savings |
AmEx Gold Card | 700 | $325 | 60,000 points after spending $6,000 | 4x on restaurants, 3x on flights booked directly with airlines, 1x on other | $120 dining credit, no foreign transaction fees, travel insurance |
Capital One Venture Rewards Credit Card | 700 | $95 | 75,000 miles after spending $4,000 | 2x on all purchases | Global Entry/TSA PreCheck fee credit, travel accident insurance |
Chase Sapphire Preferred® Card | 700 | $95 | 60,000 points after spending $4,000 | 2x on travel & dining, 1x on other | 25% more value when redeeming for travel through Chase Ultimate Rewards, travel insurance |
Capital One Venture X Rewards Credit Card | 720 | $395 | 75,000 miles after spending $4,,000 | 2x on all purchases | $300 annual travel credit, Priority Pass lounge access, Global Entry/TSA PreCheck fee credit |
The Platinum Card® from American Express | 740 | $695 | 80,000 points after spending $8,000 | 5x on flights & hotels booked directly, 1x on other | $200 annual airline fee credit, access to Centurion Lounges, Global Entry/TSA PreCheck fee credit |
World of Hyatt Credit Card | 700 | $95 | 60,000 points after spending $3,000 | 4x on Hyatt purchases, 2x on dining, 1x on other | 1 free night each year, automatic Hyatt Discoverist status |
Wells Fargo Autograph Journey℠ Card | 690 | $95 | 60,000 points after spending $4,000 | 3x on travel, dining, gas, and streaming services, 1x on other | Cell phone protection, no foreign transaction fees, 0% intro APR on purchases and balance transfers for 12 months |
U.S. Bank Altitude® Connect Visa Signature® Card | 720 | $95 | 50,000 points after spending $3,000 | 4x on travel, 2x on dining, 1x on other | $30 annual streaming credit, travel insurance, 0% intro APR on purchases for 12 billing cycles |
Chase Sapphire Reserve® Credit Card
Why we like it:
- The Chase Sapphire Reserve® is one of the best travel credit cards, offering great rewards and perks for frequent travelers. The $300 Annual Travel Credit significantly offsets the annual fee, making the effective cost more manageable.
- The versatility of earning 3x points on dining and other travel, in addition to the elevated rewards for Chase Ultimate Rewards® travel portal bookings, caters to a broad range of spending habits.
- The card's complimentary airport lounge access, covering over 1,300 lounges worldwide, and the Global Entry/TSA PreCheck/NEXUS Fee Credit add an extra layer of convenience for frequent flyers.
- Furthermore, the 1:1 point transfer to leading airline and hotel loyalty programs amplifies the card's value, allowing for strategic redemptions.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- For travelers seeking a premium experience, the Chase Sapphire Reserve® is a top contender. The $300 Annual Travel Credit significantly offsets the annual fee, making the effective cost more manageable.
- The versatility of earning 3x points on dining and other travel, in addition to the elevated rewards for Chase Ultimate Rewards® travel portal bookings, caters to a broad range of spending habits.
- The card's complimentary airport lounge access, covering over 1,300 lounges worldwide, and the Global Entry/TSA PreCheck/NEXUS Fee Credit add an extra layer of convenience for frequent flyers.
- Furthermore, the 1:1 point transfer to leading airline and hotel loyalty programs amplifies the card's value, allowing for strategic redemptions.
- Enjoy 50% more value when redeeming points for travel through Chase, maximizing the overall value of each point.
- Synergy with other Ultimate Rewards® cards allows users to consolidate points on the Chase Sapphire Reserve®, unlocking enhanced redemption opportunities.
- Receive a complimentary two-year membership and discounted third-year membership for Lyft Pink All Access, adding unique value beyond traditional travel benefits.
- A powerful card for travel enthusiasts with a winning combination of bonus categories and elevated redemption rates.
- From airport lounge access to travel credits, the card offers a comprehensive suite of perks for a premium travel experience.
- Transfer points to leading loyalty programs, enhancing flexibility and maximizing point value.
- While beneficial for frequent travelers, the $550 annual fee may be a deterrent for those with lower spending on travel and dining.
- The highest rewards are linked to Chase Ultimate Rewards® bookings, potentially restricting earning potential for those preferring alternative travel arrangements.
Delta SkyMiles® Gold American Express Card
Why we like it:
- The AmEx Delta Sky Miles ranks among the best travel credit cards, with easy points, no foreign fees, and travel benefits. The combination of a valuable welcome offer, bonus rewards on everyday spending, and travel perks like a free checked bag and priority boarding make it a compelling option.
- The ongoing rewards structure ensures that cardholders can continue to accumulate miles beyond the initial bonus, enhancing the long-term value of the card.
- Additionally, the $100 Delta flight credit and the 20% savings on eligible in-flight purchases further contribute to the overall appeal of this card for frequent Delta travelers.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The AmEx Delta Sky Miles ranks among the best travel credit cards, with easy points, no foreign fees, and travel benefits. The combination of a valuable welcome offer, bonus rewards on everyday spending, and travel perks like a free checked bag and priority boarding make it a compelling option.
- The ongoing rewards structure ensures that cardholders can continue to accumulate miles beyond the initial bonus, enhancing the long-term value of the card.
- Additionally, the $100 Delta flight credit and the 20% savings on eligible in-flight purchases further contribute to the overall appeal of this card for frequent Delta travelers.
- Earn 40,000 bonus miles after spending $2,000 in the first 6 months.
- 2X miles on dining, groceries, and Delta purchases.
- Ideal For: Delta frequent flyers who want to earn miles and enjoy travel perks
- Earn a credit for future travel after reaching $10,000 in purchases in a calendar year, enhancing the card's ongoing value.
- Ideal for international travelers, the card eliminates foreign transaction fees, saving money on purchases made abroad.
- The innovative Send & Split® feature enables users to send money and split card purchases with Venmo or PayPal users directly from the Amex App, enhancing financial transaction convenience.
- Multipliers on various spending categories make the card versatile for everyday and travel expenses.
- Free checked bags, priority boarding, and in-flight purchase savings enhance the travel experience for Delta loyalists.
- Competitive, but may be considered a drawback, particularly after the first-year introductory period.
American Express® Gold Card
Why we like it:
- If you’re looking for one of the best travel credit cards, the AmEx Gold Card offers points on travel and dining with excellent perks.
- The rewards structure is tailored to match the spending habits of foodies, and the annual credits help offset the card's fee.
- The ability to transfer points to various loyalty programs enhances the card's versatility, making it a well-rounded option for those seeking both luxury and practicality in their credit card.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- If you’re looking for one of the best travel credit cards, the AmEx Gold Card offers points on travel and dining with excellent perks.
- The rewards structure is tailored to match the spending habits of foodies, and the annual credits help offset the card's fee.
- The ability to transfer points to various loyalty programs enhances the card's versatility, making it a well-rounded option for those seeking both luxury and practicality in their credit card.
- The metal card adds a touch of elegance.
- No foreign transaction fees make it an excellent companion for international travel.
- The $100 experience credit with a two-night stay through The Hotel Collection enhances the overall travel experience.
- 4X Points at U.S. restaurants, takeout, and U.S. supermarkets (up to $25,000/year), 3X Points on flights.
- Up to $240 with $120 dining credit (monthly $10 increments) and $120 Uber Cash benefit ($10/month for U.S. Eats or rides)
- Ideal For: Foodies and travelers who want a high rewards rate on dining and travel.
- Rich rewards for dining and travel-related expenses.
- Valuable annual credits that can significantly offset the annual fee.
- Points transferable to various loyalty programs.
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- High annual fee, which may not be justified for those who don’t heavily spend on dining and travel.
- The dining and Uber credits might not be fully utilized by everyone.
- Limited introductory APR options.
Capital One Venture Rewards Credit Card
Why we like it:
- For travelers, the CapitalOne Venture Rewards is a top pick among the best travel credit cards, with great rewards and premium perks. Its high rewards rate on all purchases, not just travel-related ones, sets it apart from many competitors.
- The card's versatility in redeeming miles without restrictions on airlines or hotels aligns with the spontaneity often associated with summer travel. Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- The flexibility in redeeming miles, whether as a statement credit, for travel bookings through Capital One, or transferring to partner programs, provides cardholders with various options to maximize the value of their rewards.
- Travel-friendly perks like lounge access, a Global Entry/TSA PreCheck credit, and no foreign transaction fees further enhance the overall travel experience.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Capital One Venture Rewards Credit Card distinguishes itself as a top choice for summer travel for several reasons. Its high rewards rate on all purchases, not just travel-related ones, sets it apart from many competitors.
- The card's versatility in redeeming miles without restrictions on airlines or hotels aligns with the spontaneity often associated with summer travel. Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- The flexibility in redeeming miles, whether as a statement credit, for travel bookings through Capital One, or transferring to partner programs, provides cardholders with various options to maximize the value of their rewards.
- Travel-friendly perks like lounge access, a Global Entry/TSA PreCheck credit, and no foreign transaction fees further enhance the overall travel experience.
- Miles with no expiration date and no earning limit.
- Up to $100 credit for Global Entry or TSA PreCheck.
- Two complimentary lounge visits per year.
- Transfer miles to 15+ travel loyalty programs.
- Earn 2 miles for every dollar spent on all purchases.
- Get an extra boost with 5X miles on hotels and rental cars booked through Capital One Travel, adding significant value for summer getaways.
- Ideal For: Travelers seeking straightforward rewards with a high earning rate on all purchases.
Chase Sapphire Preferred®
Why we like it:
- The Chase Sapphire Preferred® Card is a good choice for people who visit a lot or just once in a while. The bonus is big when you first sign up, and you can earn a lot of points for things like eating out and flying. Booking a vacation through Chase Ultimate Rewards® earns 25% extra points. This makes the card better practically in every aspect.
- You are also safe when you travel with this card because it covers trip cancellations, auto rental crash damage waivers, and there are no foreign transaction fees. Bringing with you something like this will help you when you travel overseas. Additionally switch points to the most well-known hotel and airline credit programs at a 1:1 ratio. Thus, you may really maximise your points.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Chase Sapphire Preferred® Card is a good choice for people who visit a lot or just once in a while. The bonus is big when you first sign up, and you can earn a lot of points for things like eating out and flying. Booking a vacation through Chase Ultimate Rewards® earns 25% extra points. This makes the card better practically in every aspect.
- You are also safe when you travel with this card because it covers trip cancellations, auto rental crash damage waivers, and there are no foreign transaction fees. Bringing with you something like this will help you when you travel overseas. Additionally switch points to the most well-known hotel and airline credit programs at a 1:1 ratio. Thus, you may really maximise your points.
- Sign-Up Bonus: Earn 60,000 points (a $750 value toward travel) after spending $4,000 in the first 3 months.
- Rewards Rate: 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, 2x points on all other travel, and 1x points on all other purchases.
- Ideal For: Travelers looking for a versatile card with strong rewards on travel and dining and flexible redemption options.
- This plan includes insurance for trips that are canceled or cut short, rental car accident damage waivers, and insurance for gear that gets lost or is late.
- When you use Chase Ultimate Rewards®, you can trade in your points for cash back, gift cards, trips, and more.
- There are no fees to do business in other countries: Save money when you shop abroad.
- Generous sign-up bonus and high rewards rate on travel and dining.
- 25% more value on points when redeemed through Chase Ultimate Rewards®.
- Comprehensive travel protection benefits.
- Annual fee of $95, which may be a consideration for those who do not travel or dine frequently.
- Highest rewards are linked to bookings made through Chase Ultimate Rewards®, which may not suit all travelers.
- Lower rewards rate for categories outside travel and dining.
The Platinum Card® from American Express
Why we like it:
- Want a card that earns great travel rewards? The The Platinum Card® from American Express is one of the best travel credit cards to consider.
- Discover the values of the Platinum Card® from American Express. This credit card can help you pay for travel expenses.
- Being part of the Global Lounge Collection, the card allows you into around 1,300 airport lounges worldwide. Every year you can also get up to $200 back on hotel stays at Fine Hotels + Resorts® or The Hotel Collection and airfare expenses. Apart from elite membership with Hilton Honours and Marriott Bonvoy, the card entitles you $100 credit for Global Entry or TSA PreCheck. It also awards you points in dining, wellness, and entertainment. Although many pay a significant annual fee, the advantages can be far more than what is paid.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- Want a card that earns great travel rewards? The The Platinum Card® from American Express is one of the best travel credit cards to consider.
- Discover the values of the Platinum Card® from American Express. This credit card can help you pay for travel expenses.
- Being part of the Global Lounge Collection, the card allows you into around 1,300 airport lounges worldwide. Every year you can also get up to $200 back on hotel stays at Fine Hotels + Resorts® or The Hotel Collection and airfare expenses. Apart from elite membership with Hilton Honours and Marriott Bonvoy, the card entitles you $100 credit for Global Entry or TSA PreCheck. It also awards you points in dining, wellness, and entertainment. Although many pay a significant annual fee, the advantages can be far more than what is paid.
- Sign-Up Bonus: Earn 80,000 Membership Rewards® points after spending $6,000 in the first 6 months.
- Rewards Rate: 5x points on flights booked directly with airlines or through American Express Travel, 5x points on prepaid hotels booked with American Express Travel, 1x points on other eligible purchases.
- Ideal For: Luxury travelers seeking premium benefits, extensive airport lounge access, and high rewards for travel spending.
- Access to the Global Lounge Collection, including Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs.
- Up to $200 airline fee credit, $200 Uber Cash, $240 digital entertainment credit, $155 Walmart+ credit, and more.
- Complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status.
- Exceptional travel and lifestyle benefits, including extensive lounge access and various annual credits.
- High rewards rate for travel booked through American Express Travel.
- Access to premium hotel benefits, dining credits, and exclusive offers.
- High annual fee of $695, which may not be justified for occasional travelers.
- Limited introductory APR and no rewards on purchases outside travel categories.
- Rewards are most valuable when redeemed for travel or transferred to loyalty programs
World of Hyatt Credit Card
Why we like it:
- Those who enjoy the Hyatt brand will find the World of Hyatt Credit Card excellent. Given its unique advantages, the World of Hyatt Credit Card is among the best travel credit cards, perfect for earning points on flights and hotels with added perks. Cardholders receive one free night every year after their cardmember anniversary and another free night after spending $15,000 in a calendar year, which adds significant value to the card.
- Additionally, the card provides automatic Hyatt Discoverist status, which includes room upgrades, late checkout, and bonus points on stays. It also offers five qualifying night credits toward the next tier status every year, which can help you achieve higher status levels faster.
Annual Fees
$95
Regular APR
21.49%-28.49% Variable APR
Credit Required
690-850 (Good-Excellent)
Annual Fees
$95
Regular APR
21.49%-28.49% Variable APR
Credit Required
690-850 (Good-Excellent)
Why we like it:
- Those who enjoy the Hyatt brand will find the World of Hyatt Credit Card excellent. Given its unique advantages, the World of Hyatt Credit Card is among the best travel credit cards, perfect for earning points on flights and hotels with added perks. Cardholders receive one free night every year after their cardmember anniversary and another free night after spending $15,000 in a calendar year, which adds significant value to the card.
- Additionally, the card provides automatic Hyatt Discoverist status, which includes room upgrades, late checkout, and bonus points on stays. It also offers five qualifying night credits toward the next tier status every year, which can help you achieve higher status levels faster.
- Sign-Up Bonus: Earn up to 60,000 Bonus Points — 30,000 Bonus Points after spending $3,000 in the first 3 months, plus up to 30,000 more points by earning 2x points on up to $15,000 in the first 6 months.
- Rewards Rate: 4x points on Hyatt stays and experiences, 2x points on dining, flights, gym memberships, and local transit, and 1x points on all other purchases.
- Ideal For: Travelers who frequently stay at Hyatt properties and want to maximize their points.
- Automatic Hyatt Discoverist status and the ability to earn additional elite night credits.
- Enjoy one free night every card anniversary and earn another free night after spending $15,000 in a year.
- Ideal for international travel with Hyatt properties worldwide.
- High rewards rate on Hyatt stays and other select categories.
- Complimentary Hyatt Discoverist status and additional elite night credits.
- Free night award each year adds significant value.
- Annual fee of $95 may not be worthwhile for those who do not frequently stay at Hyatt properties.
- Limited to earning the most rewards at Hyatt properties and select partners.
- Lower points earning rate for non-Hyatt purchases.
Wells Fargo Autograph Journey℠ Card
Why we like it:
- Because it costs nothing annually and offers good points on many regular transactions, many individuals enjoy the Wells Fargo Autograph JourneyTM Card. For everyday activities such gas, dining out and travel, it offers three times the points. This card is an excellent choice for those who wish to get benefits on a broad spectrum of purchases. Using the Visa Signature Concierge service will save your cell phone, you won't have to pay extra to use it overseas, and the card will cover Users would find these free and helpful add-ons really valuable.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- Because it costs nothing annually and offers good points on many regular transactions, many individuals enjoy the Wells Fargo Autograph JourneyTM Card. For everyday activities such gas, dining out and travel, it offers three times the points. This card is an excellent choice for those who wish to get benefits on a broad spectrum of purchases. Using the Visa Signature Concierge service will save your cell phone, you won't have to pay extra to use it overseas, and the card will cover Users would find these free and helpful add-ons really valuable.
- Sign-Up Bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months (worth $600 cash redemption).
- Rewards Rate: 3x points on restaurants, travel, gas stations, transit, streaming services, and phone plans, and 1x points on other purchases.
- Ideal For: Those looking for a no-annual-fee card with diverse reward categories.
- Up to $1,000 protection against damage or theft when you pay your phone bill with the card.
- Save on international purchases with no additional fees.
- Earn 3x points on a wide range of everyday spending categories.
- No annual fee and strong rewards across multiple categories.
- 3x points on common spending categories such as dining, travel, and gas.
- Additional benefits like cell phone protection and no foreign transaction fees.
- Lower sign-up bonus compared to some other travel cards.
- Limited travel-specific benefits compared to premium travel cards.
- Rewards rate may not be as high for those who primarily spend on travel.
U.S. Bank Altitude® Connect Visa Signature® Card
Why we like it:
- For those who enjoy travel and spend a lot on petrol and air travel, the U.S. Bank Altitude® Connect Visa Signature® Card can yield a lot of money. Travellers will love this card whether they charge their electric automobiles or fill their petrol tank. It gives them 4x points on travel, fuelling stations and charging stations for electric automobiles. Given the 50,000-point sign-up bonus, individuals should also pick up a new card.
- Among the additional perks of the card are $30 in streaming service credits annually, TSA PreCheck or Global Entry price refund, and no foreign transaction fees. These features increase the card's value for both domestic and foreign travellers. This card does not have a yearly fee for the first year, hence new users may start enjoying its advantages immediately without paying anything.
Annual Fees
$95 (waived for the first year)
Regular APR
21.24%-29.24% Variable APR
Credit Required
720-850 (Excellent)
Annual Fees
$95 (waived for the first year)
Regular APR
21.24%-29.24% Variable APR
Credit Required
720-850 (Excellent)
Why we like it:
- For those who enjoy travel and spend a lot on petrol and air travel, the U.S. Bank Altitude® Connect Visa Signature® Card can yield a lot of money. Travellers will love this card whether they charge their electric automobiles or fill their petrol tank. It gives them 4x points on travel, fuelling stations and charging stations for electric automobiles. Given the 50,000-point sign-up bonus, individuals should also pick up a new card.
- Among the additional perks of the card are $30 in streaming service credits annually, TSA PreCheck or Global Entry price refund, and no foreign transaction fees. These features increase the card's value for both domestic and foreign travellers. This card does not have a yearly fee for the first year, hence new users may start enjoying its advantages immediately without paying anything.
- Sign-Up Bonus: Earn 50,000 points (worth $500 in travel) after spending $2,000 in the first 4 months.
- Rewards Rate: 4x points on travel, gas stations, EV charging, 2x points on groceries, dining, and streaming services,
- Rewards Rate: 2x points on groceries, dining, and streaming services, and 1x points on all other eligible purchases.
- Ideal For: Frequent travelers who want a high rewards rate on travel and gas, along with
- $30 annual credit for eligible streaming services like Netflix, Spotify, and more.
- TSA PreCheck or Global Entry fee credit up to $100 every four years, and no foreign transaction fees.
- Visa Signature benefits, including travel and emergency assistance, roadside dispatch, and extended warranty protection.
- High rewards rate on travel and gas, ideal for frequent travelers.
- Annual fee waived for the first year, making it easier to try out the card.
- Additional benefits like TSA PreCheck/Global Entry credit and streaming service credits.
- No foreign transaction fees, making it a good choice for international travel.
- Requires excellent credit (720+) for approval.
- Annual fee of $95 after the first year, which may not suit all budgets.
- Lower rewards rate on non-travel or non-gas purchases.
- Streaming credit may not be fully utilized by all cardholders.
Capital One Venture X Rewards Credit Card
Why we like it:
- For those who travel a lot, the Capital One Venture X Rewards Credit Card offers excellent advantages and low rates. Membership entitles you to free access to Capital One bars and Priority Pass bars. Booking through Capital One Travel entitrates you a $300 travel credit annually; also, each account anniversary entitrates you up to 10,000 bonus miles, which helps offset the annual cost.
- Additionally, the 75,000-mile sign-up bonus is enough for a significant travel redemption, and its flat 2x miles on all purchases makes it easy to rack up rewards. Another major perk is the flexibility to transfer miles to over 15 travel loyalty programs, giving you more options for redeeming your rewards.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- For those who travel a lot, the Capital One Venture X Rewards Credit Card offers excellent advantages and low rates. Membership entitles you to free access to Capital One bars and Priority Pass bars. Booking through Capital One Travel entitrates you a $300 travel credit annually; also, each account anniversary entitrates you up to 10,000 bonus miles, which helps offset the annual cost.
- Additionally, the 75,000-mile sign-up bonus is enough for a significant travel redemption, and its flat 2x miles on all purchases makes it easy to rack up rewards. Another major perk is the flexibility to transfer miles to over 15 travel loyalty programs, giving you more options for redeeming your rewards.
- Sign-Up Bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
- Rewards Rate: Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases.
- Ideal For: Frequent travelers looking for premium benefits, flexible rewards, and lower annual fees than other luxury travel cards.
- Unlimited access to Capital One Lounges and 1,300+ Priority Pass lounges globally.
- $300 annual travel credit when booking through Capital One Travel.
- 10,000 bonus miles every year after your account anniversary.
- Up to $100 credit for Global Entry or TSA PreCheck.
- No foreign transaction fees.
- Exceptional lounge access with lower annual fees compared to premium cards.
- $300 annual travel credit and 10,000 anniversary bonus miles help offset the fee.
- Transfer miles to over 15 travel partners for more flexibility.
- The highest rewards are only available through Capital One Travel bookings.
- Lower base rewards rate on everyday purchases compared to some competitors.
- Fewer luxury hotel and dining perks compared to other high-end travel cards .
How To Compare Travel Credit Cards: A Simple Guide
Selecting the appropriate travel credit card can seem like selecting the ideal holiday location—exciting but with enough to think about! Here’s how to break it down:
- Rewards Rate: Consider each time you book a flight or purchase morning coffee you are accumulating miles or points. Certain cards award bonus points for purchases in travel, restaurants, or even groceries. Look for the card that fits your way of life; if you frequent restaurants or travel, you will want one that pays you for those pursuits.
- Sign-Up Bonus: Getting a sign-up bonus is a terrific way to start your new card. If you spend a specific sum during the first few months, many cards provide significant incentives. For a free flight, for instance, you may earn enough points by using your card for routine bills, gas, or groceries.
- Annual Fee: Certain cards include an annual fee; others do not. The trick is to find out if the advantages exceed the expenses. If a card provides lounge access, free checked bags, or other benefits you would utilize, for example, that charge could be well worth it.
- Foreign Transaction Fees: Planning to use your card overseas? Foreign transaction fees Make sure your card does not impose foreign transaction fees; if you are often swiping while on holiday, those minor charges could mount up.
- Travel Perks: Here things get enjoyable! Some cards include delightful extras like travel insurance, trip cancellation protection, or access to airport lounges—think of free snacks and cozy chairs here. These benefits can help your trip go far more smoothly and pleasantly.
- Redemption Options: If points are difficult to use, what useful are they? Redemption options See whether the card offers simple and flexible redemption choices, such as point transfers to airlines or use for a range of travel expenses.
- Interest Rates: The interest rate is really important if you usually have a balance from month to month. You want not to get caught with excessive rates that could make those travel benefits less valuable.
Discover top options that offer unbeatable rewards, travel perks, and more. Compare the best travel credit cards and find one that fits your lifestyle and travel needs.
How To Redeem Travel Points?
Now that you’ve earned all those points, here’s how to make the most of them:
- Understanding Redemption Options: Knowing the points required for each will help you whether you are booking a ticket, a hotel, even a vehicle hire. Consider it like grocery shopping: some stores charge more for the identical item, and points follow the same rule!
- Booking Through the Card’s Travel Portal: Many cards have their own travel gateway through which you may use points. Booking through these sites occasionally offers a better price, exactly as if shopping online instead of in-store yields a discount.
- Transferring Points to Travel Partners: Certain cards let you forward points to airline or hotel loyalty programs to travel companions. This is like trading currencies—sometimes it’s worth more when you convert it!
- Checking for Special Offers: Watch for specials. For select bookings or seasonal sales, for instance, some cards grant double points. Like buying clothes on sale, you get the same item for less.
How To Maximize Travel Rewards?
Here are some tips that will help you get the most out of your trip rewards:
- Use the Card for Bonus Categories: Does your card give you extra points when you travel or eat out? Make sure you use it where it will earn you the most! It’s the same price as a dinner plus fries. You get more in return.
- Take Advantage of Sign-Up Bonuses: To get that first bonus, make sure you pay the required amount. When you’re about to make a big buy, now is the best time to use your card and get extra rewards.
- Combine Rewards Programs:If you have more than one reward program, like hotel and airline, check to see if you can combine your points to get even more value. It’s like putting together two coupons to get a bigger price.
- Pay Attention to Expiration Dates: Don’t let them go to waste! It’s like skipping out on free money. Use them up before they’re gone.
- Monitor Promotions: Always be on the lookout for deals. A lot of the time, travel credit cards have short-term deals, like getting double points on certain purchases.
What Are Some Alternatives To Getting A Travel Credit Card?
You don’t need to get a travel credit card right now. There are still a few other ways to get free travel:
- General Rewards Credit Cards: With these credit cards, you get points or cash back when you buy things, which you can then use to pay for your trips. It’s yours to spend and get back however you like.
- Travel Loyalty Programs: Free programs from many airlines and hotels let you earn points directly with them. These are called “reward programs.” It’s kind of like getting deals when you shop a lot, but for your trips.
- Travel Debit Cards: Some debit cards are made to help tourists and even give you prizes! If you’d rather not use cash, this could be a good choice.
- Prepaid Travel Cards: As long as you stick to your budget, prepaid cards are great. You can put a set amount of money on them ahead of time. They are great for people who only travel once in a while because some of them include things like travel insurance.
Is It Worth Getting A Travel Credit Card?
The right travel credit card is worth it because you can use the reward points to cover your travel expenses. Travel credit card points can accumulate quickly, especially if you travel frequently. These credit cards’ extra travel perks can help you save time and guarantee coverage in unexpected emergencies.
Additionally, you can redeem travel points for statement credits or use them for your everyday shopping. A free checked bag offer can help you save several hundred dollars on your travels. Additionally, free passes to airport lounges and other amenities offered by credit cards can make your trip enjoyable.
Do you want to learn more about rewards credit cards? Here at Penny Calling Penny, we focus on helping you figure out the best credit card that fits your needs. Sign up for our newsletter to get the latest accurate and valuable information on credit cards sent straight to your inbox.
FAQs
What credit card is best for travel?
The best travel credit card depends on your needs, but popular choices often include the Chase Sapphire Preferred® Card, American Express® Gold Card, and The Platinum Card® from American Express. These cards are known for their rewards, perks, and travel protections.
What bank has the best travel card?
Banks like Chase, American Express, and Citi are known for offering excellent travel credit cards. Chase offers the Ultimate Rewards program, American Express provides valuable Membership Rewards points, and Citi has the ThankYou Rewards program.
Is a travel card worth it?
A travel card can be worth it if you frequently travel and can take advantage of its rewards, benefits, and perks. Evaluate the card’s annual fee, benefits, and how often you travel to determine if it’s a good fit for you.
What credit score do I need to get a travel rewards credit card?
Generally, a good to excellent credit score (around 700 or higher) is preferred for travel rewards credit cards. However, some cards might be available to those with a lower score, especially if you have a strong financial profile or income.
