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Best Travel Credit Cards of May 2022

Travel credit cards give cardholders opportunities to earn points and miles that can be redeemed for travel-related expenses like flight bookings, hotel stays, in-flight purchases, and more. They also come with additional luxury perks like airport lounge access, access to fine hotels and resorts, and travel insurances to ensure a seamless travel experience. This article lays out some of the top-rated travel credit cards so that you can choose the one that fits your spending style and travel needs.

By Myfin Team
Reviewed by Anastasia Staples
Updated May 16, 2022

Best Credit Cards for Travel in May 2022

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Triple Cash Rewards Visa® Upgrade
Annual Fee:
$0
Regular APR:
8.99% - 29.99% Regular
Our Rating:
3.84
scorer
Сredit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 8.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.
View all Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

Celtic Bank Deserve® EDU Mastercard best for Cash Back, Without SSN, Student

Deserve® EDU Mastercard Celtic Bank
Annual Fee:
$0
Regular APR:
19.49% Variable
Our Rating:
3.5
scorer
Сredit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • Issuer name:
    Celtic Bank
  • Details:

    The Deserve EDU Mastercard for Students makes it easy for students to start building credit.

    The card's APR is 19.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

    Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

    Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

    Read full review

  • Pros:
    • No prior credit history required
    • No SSN Required
    • No Annual Fee
    • No
    • Transactions Fees
    • No Co-Signer/ Deposit Required
  • Cons:
    • Relatively High APR
    • Fairly Low Rewards
    • Only for Students
  • Benefits:
    • Cellphone Protection;
    • Collision Damage Waiver;
    • Concierge Service;
    • No International Transaction Fees;
    • Priority Pass™ Membership;
    • Mastercard Benefits;
    • No Social Security Number required for international students to apply.
View all Deserve® EDU Mastercard details
Apply now
On Celtic Bank‘s site
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual Fee:
$95 annually
Regular APR:
15.99% - 22.99% Variable
Our Rating:
4.53
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® credit card is one of the best credit cards to earn travel points. The card has an annual fee of $95, a 15.99% - 22.99% variable APR, and no foreign transaction fees.

    New members get an attractive welcome bonus of 60,000 bonus points after spending $4,000 on purchases within three months of card membership. That's equivalent to $750 when redeemed for travel through Chase Ultimate Rewards.

    Each account anniversary, you'll also earn up to $50 in statement credits for hotel stays purchased through Chase Ultimate Rewards.

    The card earns you 5x total points on travel booked through Chase Ultimate Rewards and 2x points on other travel purchases.

    You'll also earn 3x points on eligible grocery purchases, select streaming services, dining (including eligible delivery services, takeout, and dining out), and 1x points on all purchases.

    Your points are worth 25% more when you redeem for travel or statement credits in select rotating categories with the Pay Yourself Back feature.

  • Pros:
    • Attractive welcome bonus: Earn 60,000 points after you spend $4,000 on purchases within three months from account opening.
    • High reward rates: Up to 5x points on travel booked through Chase, 3x points on eligible grocery purchases, select streaming services and dining, 2x points on other travel purchases, and 1x points on everything else.
    • No foreign transaction fees: Shop fee-free outside the U.S.
    • Travel and purchase coverage: You get trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, and auto rental collision damage waiver. Additionally, the card offers 120-day purchase protection and a one-year extension on eligible manufacturers' warranties.
    • 1:1 point transfer: Transfer your points to 14 leading airline and hotel travel partners programs at 1:1 value.
  • Cons:
    • Annual fee: You need to make sure you spend enough to cover the $95 annual fee.
    • No 0% intro APR: Interest accrues on any balance you carry on the card from the start.
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual Fee:
$550 annually ($75 for each authorized user)
Regular APR:
16.99% - 23.99% Variable
Our Rating:
4.11
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Reserve® credit card is a great travel credit card for frequent travelers.The card has a variable APR of 16.99% - 23.99%, a $550 annual fee, and a $75 fee for each authorized user.

    New cardholders get a generous welcome bonus of 50,000 bonus points after spending $4,000 on purchases within three months of account opening. That's equivalent to $750 when redeemed for travel through Chase Ultimate Rewards.

    You also receive up to $300 in annual statement credits to cover travel purchases charged to your card.

    You’ll earn 5x total points on flights and 10x total points on hotel and car rental purchases made through Chase Ultimate Rewards after the first $300 spent on travel purchases per year.

    You'll also earn 10x total points on Chase dining purchases and 3x points on other dining at restaurants (including dining out, take out, and eligible deliveries), and 1x points on all other purchases.

    The card is also bundled with premium perks like Global Entry or TSA Precheck credits, Priority Pass, and powerful travel protections.

  • Pros:
    • High rewards rate: You’ll earn 5x points on airfare and 10x points on hotel and car rentals booked through Chase Ultimate Rewards (after the $300 annual credit). You can also get 10x points on Chase dining purchases and 3x points on other dining purchases.
    • Welcome bonus: You get 50,000 points after you spend $4,000 within three months from account opening.
    • 50% more value on points: Get 50% more value from your points when you redeem for travel or through the Pay Yourself Back program.
    • Point transfer: Transfer points to valuable airline and hotel partners at1:1 value.
    • Premium benefits: You get a $300 annual travel credit, an up to $100 Global Entry or TSA PreCheck credit every four years, powerful travel protections, and access to top resorts and hotels worldwide.
  • Cons:
    • High APR: A high APR of 16.99% - 23.99%, depending on your credit profile.
    • Annual fees: High annual fees of $550 and $75 for each authorized user.
  • Benefits:
    • 50,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual Fee:
$250 annually
Regular APR:
16.24% - 23.24% Variable
Our Rating:
3.13
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 75,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Card is among the best credit cards to earn travel points. The card has a 16.24% - 23.24% Pay Over Time variable APR, a $250 annual fee, and no foreign transaction fees.

    It features a welcome offer of 75,000 Membership Rewards points after you spend $4,000 on purchases within the first six months from account opening, up to $120 Uber cash annually for Uber Eats orders or Uber rides, and $120 in annual dining credits for orders made from participating partners.

    You'll earn 4x points on dining (including takeout and delivery), 4x points on up to $25,000 in annual grocery purchases at U.S. supermarkets, 3x on flights booked directly with airlines or amextravel.com, and 1 point per dollar on all other eligible purchases.

    You also get a $100 onsite credit when you book The Hotel Collection with American express Travel.

  • Pros:
    • High rewards rate: Up to 4x points on dining (including takeout and delivery) and at U.S. supermarkets (up to $25,000 in annual spend), 3x points on airfare booked directly with airlines or with American Express Travel, and 1x points on everything else.
    • Welcome bonus: Earn 75,000 membership points for the first $4,000 spent within six months from account opening.
    • No foreign transaction fees: Shop fee-free when traveling outside the U.S.
    • Travel protection: You get baggage insurance and car rental loss/damage insurance.
    • $0 fee for additional cards: Get additional cards for authorized users and earn Membership Rewards points without extra annual fees.
  • Cons:
    • High annual fee: The card is rather expensive and has a $250 annual fee, but you take advantage of the annual credits to recoup the fee.
    • No 0% intro APR: You won't enjoy a 0% intro APR period on purchases. Any balance carried on the card accrues interest from the start.
    • No premium perks: The card doesn't offer premium perks like lounge access and elite statuses to match its premium price.
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 75,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail

American Express® The Platinum Card® best for Young couples

The Platinum Card® American Express
Annual Fee:
$695 annually
Regular APR:
16.24% - 23.24% Variable
Our Rating:
3.79
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
    • 5x Points on prepaid hotels.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 100,000x Membership Rewards® Points after you spend $6,000 on purchases on your new card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Platinum Card® from American Express® is a great travel credit card packed with top travel rewards and benefits across dining, entertainment, and travel. The card has a 16.24% - 23.24% variable Pay Over Time APR, a $695 annual fee, and no transactions fees.

    Offers include a generous welcome bonus of 100,000 Membership Rewards points after spending $6,000 on purchases within six months of card membership.

    You'll also earn 5x points on flights booked directly with airlines or with American Express Travel (on up to $500,000 in annual purchases), 5x points on prepaid hotels booked with Amex, and 1x points on all other purchases.

    The card is also packed with statement credit benefits, including $200 in statement credits each year on select prepaid hotel bookings and up to $240 in digital entertainment credits on eligible purchases.

    Other annual credits include up to $155 in Walmart+ membership credits, $200 Uber Cash on Uber Eats and rides, a $200 airline fee statement credit, $300 in statement credits on eligible Equinox memberships, and up to $179 on your CLEAR membership.

    You also get a $100 or $85 statement credit for a Global Entry or TSA Precheck membership every four years after you apply with your Amex Platinum.

  • Pros:
    • High rewards rate: Earn 5x points on eligible flight and hotel purchases.
    • Welcome bonus: Earn 100,000 Membership Rewards points if you spend $6,000 on purchases in the first six months from account opening.
    • Multiple statement credits: The card offers multiple statement credit benefits which can provide close to $2,200 in annual value.
    • Premium luxury benefits: Access to hotel deals and airport lounges.
  • Cons:
    • High annual fee: The card has a $695 annual fee, one of the highest among travel credit cards.
    • Hard-to-maximize statement credits: Though the card offers many annual statement credits, it may take a lot of spending to take advantage of them all.
  • Benefits:
    • 100,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

Citi AAdvantage® Platinum Select® World Elite Mastercard® best for Honeymoon

AAdvantage® Platinum Select® World Elite Mastercard® Citi
Annual Fee:
$99 annually
Regular APR:
15.99% - 24.99% Variable
Our Rating:
3.76
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles for every $1 spent at restaurants and gas stations.
    • 2x Miles for every $1 spent on eligible American Airlines purchases.
    • 1x Mile for every $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus miles after making $2,500 in purchases within the first 3 months of account opening.
  • Issuer name:
    Citi
  • Details:

    The Citi AAdvantage® Platinum Select® World Elite Mastercard® is one of travel credit cards that earn miles. The card has a variable APR of 15.99% - 24.99%, an annual fee of $99 (waived for the first 12 months) and no foreign transaction fees.

    The card offers an attractive welcome bonus of 50,000 American Airlines AAdvantage miles after you spend $2,500 on purchases within the first three months from account opening.

    You'll earn 2x miles at restaurants, gas stations, and on eligible American Airlines purchases, and 1x miles on all other purchases.

    You'll also get a $125 American Airline flight discount each year you spend $20,000 or more in purchases and renew your card.

    There is no limit to the number of AAdvantage miles you can earn, and points can be used to travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or roundtrip award flights on American Airlines.

    Points can also be redeemed for hotel stays, vacation packages, car rentals, and Business/First Class upgrades.

  • Pros:
    • Welcome bonus: Get 50,000 bonus miles if you spend $2,500 in purchases within the first three months from account opening.
    • No foreign transaction fees: Shop fee-free when traveling outside of the U.S.
    • Earn travel miles: Get up to 2x miles on eligible restaurants, gas stations, and American Airline purchases.
    • Flight discount: Get a $125 American Airlines flight discount each year you spend $20,000 and renew your card.
    • Flexible redemption options: Redeem for hotel stays, vacation packages, car rentals, and travel to over 1,000 destinations worldwide.
  • Cons:
    • $99 annual fee: After the first 12 months, you’ll have to spend enough to offset the annual fee.
    • No travel protection: The card doesn't offer travel coverage, like most others on our list.
    • Airline-specific: You have to be loyal to the American Airlines to enjoy the limited perks.
  • Benefits:
    • 50,000 American Airlines AAdvantage® bonus miles;
    • 2 AAdvantage® miles at restaurants and gas stations;
    • 2 AAdvantage® miles on eligible American Airlines purchases;
    • 1 AAdvantage® mile on all other purchases;
    • Digital Wallets;
    • Citi Entertainment®;
    • $125 American Airlines Flight Discount;
    • First Checked Bag Free;
    • Preferred Boarding;
    • 25% savings on food and beverage purchases.
Card detail

Capital One Venture Rewards best for Travel, Daily use

Venture Rewards Capital One
Annual Fee:
$95 annually
Regular APR:
15.99% - 23.99% Variable
Our Rating:
3.69
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 60,000x Bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards is one of rewards credit cards that earn miles. The card has a variable APR of 15.99% - 23.99%, an annual fee of $95, and no foreign transaction fees.

    New members get a welcome bonus of 60,000 points after spending $3,000 on purchases within three months from account opening. That’s equivalent to $600 when redeemed for travel.

    You’ll earn 2x miles on every purchase and 5x miles on hotels and car rentals booked via Capital One Travel. Miles can be redeemed for trips through Capital One Travel or for PayPal and Amazon purchases. Moreover, you can get reimbursed for past travel purchases made elsewhere.

    You are also eligible for an up to $100 credit for Global Entry or TSA Precheck every four years after you apply or renew with your Venture Rewards card, and 2 free visits per year to the Capital One Lounge where you can enjoy free food and amenities.

  • Pros:
    • High reward rate: Get 2x miles on all purchases and 5x miles on hotels and rental cars.
    • Welcome bonus: Get 60,000 bonus points if you spent $3,000 on purchases within three months from account opening.
    • Security: Shop securely with virtual card numbers. Plus, you get notifications via emails or texts for any suspicious account activity.
    • 24/7 travel and emergency assistance: Get connected to local emergency assistance services when away from home. You can also count on emergency card replacement.
  • Cons:
    • No intro APR offer: Interest accrues on any balance you carry on the card immediately after you start using it.
    • Annual $95 annual fee.
    • No premium perks: The card doesn't offer premium perks and elite statuses like many others on this list.
  • Benefits:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 60,000 bonus miles;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
Card detail

Chase Ink Business Preferred® best for Without SSN, Daily use

Ink Business Preferred® Chase
Annual Fee:
$95 annually
Regular APR:
15.99% - 20.99% Variable
Our Rating:
4.57
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
    • 1x Point per $1 on all other purchases.
  • Intro Offer:
    • 100,000x Bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 Cash Back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
  • Issuer name:
    Chase
  • Details:

    The Chase Ink Business Preferred® credit card is among the best credit cards for business travel. The card has a 15.99% - 20.99% variable APR, a $95 annual fee, and no foreign transactions fees.

    New cardmembers get a generous welcome bonus of 100,000 points after spending $15,000 on purchases in the first three months from account opening. That's equivalent to $1,000 cash back or $1,250 when redeemed for travel through Chase Ultimate Rewards.

    The card earns you 3x points on shipping, social social media and search engine advertising, travel, and internet, cable and phone services on the first $150,000 in combined purchases each year. You'll also earn unlimited 1point per dollar on the rest of their purchases.

    Your points will never expire for the life of the account, and you get flexible redemptions options, including cash back, gift cards, Apple purchases and travel through Chase Ultimate Rewards.

  • Pros:
    • Generous welcome bonus: Earn 100,000 points after you spend $15,000 on purchases in the first three months from account opening.
    • High rewards rate: Earn 3x points on the first $150,00 in combined purchases in shipping, travel, social media and search engine advertising, as well as internet, cable, and phone services. Then 1x points on all other purchases.
    • Flexible redemptions options: Redeem points for cash back, gift cards, travel and Apple purchases through Ultimate Rewards.
    • $0 annual fee for employee cards: Get employees cards, set spending limits, and earn rewards at no extra cost.
  • Cons:
    • $95 annual fee: You have to charge enough on the card to offset the fee.
    • No 0% Intro APR period: Any balance carried on the card accrues interest immediately after you start using the card.
  • Benefits:
    • 100,000 bonus points;
    • 3x points on travel and select business categories;
    • 1x point on all other purchases;
    • $0 Fraud Liability;
    • Extended warranties;
    • Employee cards at no additional cost;
    • Build your business credit;
    • 25% more in travel redemption;
    • 1:1 Points Transfer;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Trip Cancellation/Trip Interruption Insurance;
    • Roadside Dispatch;
    • Auto Rental Collision Damage Waiver;
    • Cell Phone Protection.
Card detail

Bank of America Travel Rewards best for Cash Back, No Annual Fee

Travel Rewards Bank of America
Annual Fee:
$0
Regular APR:
13.99% - 23.99% Variable
Our Rating:
3.79
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 1.5x Unlimited points per dollar on all qualifying purchases.
  • Intro Offer:
    • 25,000x Bonus points ($250 value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Travel Rewards Credit Card is among the best credit cards for beginners to earn travel points that can be redeemed towards statement credits for travel purchases.

    It comes with a 0% APR intro offer for the first 15 billing cycles, a 13.99% - 23.99% variable APR afterward, and no annual fees or foreign transaction fees.

    You get a welcome offer of 25,000 points after you spend at least $1,000 in purchases in the first 90 days from account opening. That's equivalent to a $250 statement credit toward travel and dining purchases.

    The card earns you rewards at a flat rate of 1.5x points on all purchases, but you can earn from 25% to 75% more points on every purchase with a Platinum Preferred Rewards membership.

    Your points never expire for the life of the card and can be redeemed for travel statement credits towards dining expenses, flights and hotels, cruises, baggage fees, and more.

  • Pros:
    • Sign-up bonus: Earn 25,000 points if you spend at least $1,000 in purchases within the first 90 days from account opening.
    • No annual fee: The card has a $0 annual fee, so you don't have to worry about spending enough to justify its cost.
    • No foreign transaction fees: You won't pay fees on purchases charged on the card when traveling outside the U.S.
    • 0% APR intro offer: You won't pay interest for the first 15 billing cycles (then 13.99% - 23.99% variable).
    • Flat-rate rewards system: Earn rewards at a flat rate of 1.5x points in all categories. Redeem points for statement credits toward dining expenses, flights and hotels, cruises, baggage fees, and more.
  • Cons:
    • No bonus categories: The 1.5x rate is somewhat low and there are no special categories to maximize rewards.
    • No luxury benefits: The card doesn't offer luxury benefits for travelers who prefer premium perks.
  • Benefits:
    • 1.5 points per dollar on all qualifying purchases;
    • 25,000 online bonus points offer;
    • $0 Liability Guarantee;
    • FICO® Score for Free;
    • Overdraft protection;
    • Digital Wallets.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual Fee:
$0
Regular APR:
14.99% - 23.74% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    0% Intro APR for the first 15 months that your Account is open
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex℠ card is a great rewards credit card to earn cash back rewards that you can redeem for travel. The card has a 0% intro APR for 15 months from account opening on purchases and balance transfer (14.99% - 23.74% Variable after) and carries no annual fee.

    After the intro period, the variable APR ranges from 14.99% - 23.74%. You may also incur foreing transaction fees of 3% on purchases made outside of the U.S.

    New cardmembers get a $200 welcome bonus after spending $500 on purchases in the first three months from account opening and 5% cash back on up to $6,000 spent on gas station purchases in the first year.

    You'll earn 5% cash back on up to $1,500 on combined purchases in quarterly bonus categories and travel through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1% on all other purchases.

    Cash back rewards don't expire for the life of the account, and there is no minimum to redeem for cash back. You can redeem for cash, gift cards, travel, or use your points to shop at Amazon.

  • Pros:
    • 0% intro APR period: Enjoy interest-free purchases and balance transfers for 15 months from account opening (14.99% - 23.74% Variable thereafter).
    • Sign-up bonus: Get a $200 welcome bonus if you spend $500 on purchases in the first three months from account opening. Plus, earn 5% cash back on gas station purchases (up to $6,000 in purchases) in the first year with the card.
    • High cash back rate: Earn 5% cash back up on Chase Ultimate Rewards travel purchases and in quarterly bonus categories (up to $1,500 in combined purchases), 3% on dining and drugstore purchases, and 1% on all other purchases.
    • $0 annual fee: You don't have to worry about using your card enough to offset the fee.
  • Cons:
    • 3% foreign transaction fee: This may be expensive when traveling outside of the U.S.
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual Fee:
$0
Regular APR:
14.99% - 23.74% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    0% Intro APR for the first 15 months that your Account is open
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® credit card comes with a 0% intro APR period for 15 months from account opening on purchases and balance transfers, a 14.99% - 23.74% APR afterward, and no annual fees.

    New cardholders get a $200 welcome bonus after spending $500 on purchases in the first three months of card membership and 5% cash back on up to $6,000 spent at gas stations in the first year.

    You'll also benefit from the card’s high cash back rewards program of 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases.

    There is no minimum to redeem for cash back, and cash back rewards do not expire for the life of your account. You can redeem for travel gift cards, cash, or use your points to shop at Amazon.

  • Pros:
    • 0% intro APR period: You won't pay interest on purchases and balance transfers for 15 months from account opening (14.99% - 23.74% variable APR thereafter).
    • Sign-up bonus: Get a $200 welcome bonus if you spend $500 on purchases within three months from account opening. Additionally, you can earn 5% cash back on gas station purchases in the first year, up to $6,000 spent.
    • $0 annual fee: The card has no annual fee yet provides excellent value.
    • High rewards rates: Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases.
  • Cons:
    • Foreign transaction fees: 3% fee applies for purchases made outside of the U.S.
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Capital One VentureOne Rewards best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual Fee:
$0
Regular APR:
14.99% - 24.99% Variable
Our Rating:
5
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 18 months that your account is open
  • Balance Transfer APR:
    0% Introductory APR for the first 18 months that your account is open
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Rewards Credit Card is a great credit card to earn miles without an annual fee. It features a variable APR of 14.99% - 24.99% and no foreign transaction fees.

    Bonus offers include a 0% intro APR on purchases and balance transfers (for the first 18 months) and a welcome bonus of 20,000 miles when you spend $500 on purchases within three months from account opening.

    You’ll earn rewards at a flat rate of 1.25x miles on every purchase and 5x miles on rental cars and hotels booked via Capital One Travel.

    You can also receive up to $100 credit for Global Entry or TSA Precheck credit when you apply for or renew your membership with the VentureOne Rewards card.

    Miles can be redeemed for trip awards on Capital One Travel or use miles to get reimbursed for past travel purchases. You can also use miles to shop at Amazon, transfer miles to 15+ travel loyalty programs, or redeem rewards with PayPay.

  • Pros:
    • $0 annual fee: This card doesn’t charge an annual fee.
    • Attractive welcome bonus: Earn 20,000 bonus miles if you spend $500 with the card within the first three months from account opening.
    • Unlimited rewards: Earn unlimited rewards with no expiry.
    • No foreign transaction fees: You don't pay fees for purchases made outside the U. S.
    • 0% intro APR period: Shop interest-free for the first 18 months (14.99% - 24.99% variable APR thereafter).
  • Cons:
    • Low rewards rate: A low rewards rate of 1.25 miles per dollar on everyday purchases.
  • Benefits:
    • 1.25x miles per dollar on every purchase;
    • 5x miles on hotels and car rentals;
    • 20,000 bonus miles;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
Card detail

Citi Premier® best for Travel

Premier® Citi
Annual Fee:
$95 annually
Regular APR:
15.99% - 23.99% Variable
Our Rating:
4.14
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening. Redeemable for $800 in gift cards.
  • Issuer name:
    Citi
  • Details:

    The Citi Premier® is a credit card that rewards you with ThankYou points for filling up at the pump, dining at your favorite restaurants, and spending on travel and grocery purchases.

    The card has a 15.99% - 23.99% variable APR, a $95 annual fee, and no foreign transaction fees.

    After signing up, you can get a welcome bonus of 60,000 points when you spend $4,000 on purchases within the first three months from account opening, redeemable for a $600 in gift cards. Cardholders can also get $100 in annual hotel savings when booking a single hotel stay of $500 or more through thankyou.com.

    You'll earn 3x points on supermarkets, gas stations, restaurants, flights, and hotels, and 1x points on all other purchases. Points do not expire and can be used to shop at Amazon or Best Buy, or redeemed for travel, cash, statements credits, and gift cards.

    You can also transfer points to airline loyalty programs like Virgin Atlantic Flying Club, Singapore Airline Krisflyer, TrueBlue, and others at no fee.

  • Pros:
    • Sign-up bonus: Earn 60,000 bonus points if you spent $ 4,000 on purchases within three months from account opening.
    • No foreign transaction fee: You won’t pay fees on purchases made while traveling outside of the U.S.
    • Rewards points: Earn 3x points on supermarkets, gas stations, restaurants, flights or hotel purchases, and 1point per dollar on all other purchases. Points do not expire.
  • Cons:
    • Annual fee: The card has an annual fee of $95.
  • Benefits:
    • 80,000 Bonus Points;
    • 3x points on restaurant, supermarket, gas station, hotel and air travel purchases;
    • 1x points on all other purchases;
    • World Elite Mastercard perks;
    • Gift Cards;
    • Shop with Points;
    • Additional Cards;
    • Digital Wallets;
    • Citi Entertainment;
    • $100 Annual Hotel Savings Benefit;
    • Points Transfer.

Card detail

American Express® Delta SkyMiles® Gold best for Honeymoon

Delta SkyMiles® Gold American Express
Annual Fee:
$0 intro annual fee for the first year $99 thereafter
Regular APR:
15.99% - 24.99% Variable
Our Rating:
3.63
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on dining at U.S. restaurants, plus takeout and delivery.
    • 2x Miles on groceries at U.S. supermarkets.
    • 2x Miles on Delta purchases. Made directly with Delta.
    • 1x Miles on other purchases.
  • Intro Offer:
    • 40,000x Bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Issuer name:
    American Express®
  • Details:

    The Delta SkyMiles® Gold American Express® card is a great travel credit card for Air Lines loyalists to earn miles. The card has a 15.99% - 24.99% variable APR on purchases, a $0 intro annual fee for the first year ($99 annual fee thereafter), and charges no foreign transaction fees.

    New cardmembers enjoy a welcome bonus of 40,000 bonus miles after spending $1,000 on purchases within the first three months of card membership.

    You can also earn 2x miles on dining at U.S. restaurants (plus takeout and delivery), Delta purchases made directly with Delta, and grocery purchases at U.S. supermarkets, as well as 1x miles on all other eligible purchases.

    If you spend $10,000 in eligible purchases on your card in a calendar year, you'll be eligible for a $100 Delta flight credit to use towards future travel.

    When redeeming your rewards, you can save up to $50 in flight costs with the Pay With Miles feature on delta.com.

    The card offers many Delta-centric redemption options, including award travel to more than1,000 destinations, seat upgrades, vacation deals, in-flight purchases, gift cards, and more.

  • Pros:
    • Welcome bonus: Earn 40,000 bonus miles if you spend $1,000 on purchases in the first three months from account opening.
    • No foreign transaction fees: You won't incur fees on purchases made outside of the U.S.
    • Unlimited travel miles: There's no limit to the miles you can earn and your miles do not expire.
    • Car rental protection: You get car rental loss and damage insurance.
    • Additional cards: Add an additional card and earn miles at no extra cost.
  • Cons:
    • $99 annual fee: After the first year, you’ll have to make sure you fly with Delta frequently enough to justify the annual fee.
    • No 0% intro APR period: You pay interest on any balance you carry month-to-month after you start using the card.
  • Benefits:
    • 40,000 Bonus Miles;
    • 2x miles at restaurants, on Delta purchases, at U.S supermarkets;
    • 1x miles on all other purchases;
    • Extended Warranty;
    • American Express® Experiences;
    • Additional Cards;
    • $100 Delta Flight Credit;
    • First Checked Bag Free;
    • 20% Back on In-flight Purchases;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Terms Apply.
Card detail

American Express® Hilton Honors best for No Annual Fee

Hilton Honors American Express
Annual Fee:
$0
Regular APR:
15.99% - 24.99% Variable
Our Rating:
3.27
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 7x Points on hotels & resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
    • 5x Points on dining at U.S. restaurants.
    • 5x Points on groceries at U.S. supermarkets.
    • 5x Points on Gas at U.S. gas stations.
    • 3x Points per dollar spent on all other eligible purchases.
  • Intro Offer:
    • 80,000x Bonus points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Hilton Honors American Express® card is among the best credit cards to earn hotel rewards. The card has a 15.99% - 24.99% variable APR, a $0 annual fee, and no foreign transaction fees. It can be a great choice if you frequently travel abroad and stay at Hilton properties.

    The card features a welcome bonus of 70,000 points after you spend $1,000 in purchases in the first three months from account opening.

    You'll also earn 7x points on eligible purchases made directly with hotels and resorts in the Hilton portfolio, 5x points on dining at U.S. restaurants, groceries purchases at U.S. supermarkets, and on gas at U.S. gas stations. All other eligible purchases earn you 3x points.

    You’ll enjoy a complimentary Hilton Honors Silver status with your card, and you could earn an upgrade to Hilton Honors Gold status if you spend $20,000 on eligible purchases with your card in a calendar year.

  • Pros:
    • Attractive welcome bonus: Earn 70,000 bonus points after you spend $1,000 in purchases in the first three months.
    • High rewards rate: Earn 7x points on eligible Hilton purchases, 5x points on U.S. restaurants, groceries, gas stations, and supermarkets, and 3x points on all other purchases.
    • No annual fee: The card offers solid value without annual fees.
    • No foreign transaction fees: Enjoy fee-free spending on purchases made outside the U.S.
  • Cons:
    • No 0% intro APR period: You pay interest on any balance you carry after you start using the card.
  • Benefits:
    • 80,000 bonus points;
    • 7x points on hotels & resorts;
    • 5x points on dining at U.S. restaurants;
    • 5x points on groceries at U.S. supermarkets;
    • 5x points on gas at U.S. gas stations;
    • 3x points on all other purchases;
    • Additional Cards;
    • Complimentary Hilton Honors Silver Status;
    • American Express Experiences;
    • Terms Apply.
Card detail

American Express® Business Platinum Card® best for Big purchase

Business Platinum Card® American Express
Annual Fee:
$695 annually ($695 if application is received on or after January 13, 2022)
Regular APR:
14.49% - 22.49% Variable
Our Rating:
2.57
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on flights and prepaid hotels on amextravel.com.
    • 1.5x Points on business categories and purchases of $5,000 or more. On up to $2 million of these purchases per calendar year.
    • 1x Points for each dollar you spend on eligible purchases.
  • Intro Offer:
    • 120,000x Points after you spend $15,000 on eligible purchases with your Card in the first 3 months.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Issuer name:
    American Express®
  • Details:

    The Business Platinum Card® from American Express® is a great travel credit card for business owners. The card has a 14.49% - 22.49% variable Pay Over Time APR, a $695 annual fee, and no foreign transaction fees.

    Bonus offers include a 0% intro APR for 12 months from account opening on eligible Pay Over Time purchases (14.49% - 22.49% variable APR thereafter), and 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months from account opening.

    The card earns you 5x points on flights and hotels booked through AmexTravel.com, 1.5x points in eligible business categories for purchases of $5,000 or more (on up to $2 million in these purchases per calendar year), and 1x points on all other eligible purchases.

    The American Express® Business Platinum Card® is also packed with statement credits which can offer more than $2,500 in annual value. These include a $400 annual credit on Dell purchases, $360 in annual credits on Indeed purchases, $150 in statement credits for select Adobe subscription purchases annually, $120 in annual credits for wireless telephone service purchases.

    On top of that, you can get $200 in airline fee credits, an annual $179 credit with CLEAR, and an up to $100 credit every four years for Global Entry or TSA Precheck application and membership fees.

  • Pros:
    • 0% intro APR period: Shop interest-free for 12 months on eligible purchases (14.49% - 22.49% variable APR thereafter).
    • Welcome bonus: Earn 120,000 Membership Rewards points if you spend $15,000 within the first three months of card membership.
    • High rewards rate: Earn 5x points on flights and hotels booked through AmexTravel.com, 1.5x points in eligible business categories for purchases of $5,000 or more (on up to $2 million in these purchases per calendar year), and 1x points on all other eligible purchases.
    • Many statement credits: You can easily recoup and surpass the annual fee if you take advantage of all annual statement credits.
    • Easily manage business expenses: QuickBooks integration and employee cards can help you track business expenses.
    • No foreign transaction fees: You won’t incur fees on purchases when traveling overseas.
  • Cons:
    • High annual fee: The card has an annual fee of $695.
  • Benefits:
    • 120,000 Membership Rewards® Points;
    • 5x Membership Rewards points on flights and prepaid hotels;
    • 1.5x points on each eligible purchase of $5,000 or more;
    • 1x points on all other purchases;
    • 35% Airline Bonus;
    • $200 Annual Dell Technologies Statement Credit;
    • Employee Cards;
    • Vendor Pay by Bill.com;
    • Dispute Resolution;
    • Pay Over Time Option;
    • Business Platinum Card Concierge;
    • Preferred Seating Program;
    • Global Dining Collection;
    • Premium Car Rental Privileges;
    • American Express Global Lounge Collection®;
    • Fee Credit for Global Entry or TSA Pre✔;
    • Marriott Bonvoy Gold Elite Hotel Status;
    • Hilton Honors Gold Status;
    • Business Platinum Travel Service;
    • Trip Cancellation and Interruption Insurance;
    • Trip Delay Insurance;
    • Baggage Insurance Plan;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline;
    • Terms Apply.
Card detail

Discover Bank Discover it® Miles best for Low Interest, Daily use

Discover it® Miles Discover Bank
Annual Fee:
$0
Regular APR:
11.99% - 22.99% Variable APR
Our Rating:
3.96
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Miles on every dollar of every purchase.
  • Intro Offer:
    • 2x Discover will automatically match all the miles you've earned — essentially doubling your rewards for that period. For example, if you earn 35,000 miles throughout the year, Discover will match it and increase your rewards balance to 70,000 miles.
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening
  • Balance Transfer APR:
    0% Intro APR for 14 months from date of account opening
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Miles is one of the best credit cards to earn a first-year miles bonus. The card has a 11.99% - 22.99% variable APR, no annual fee, and no foreign transaction fees.

    The welcome offers include a 0% intro APR period for 14 months from account opening (11.99% - 22.99% variable APR thereafter), and a sign-up bonus for new cardmembers where Discover matches all the miles you earn in your first year with the card.

    The card features a flat-rate rewards system where you earn 1.5x miles on every purchase. Miles never expire and can be redeemed as a statement credit for travel purchases, including flights and hotels, restaurants, gas station purchases, and more. You can also redeem for gift cards, during checkout onAmazon, or when you pay using PayPal.

  • Pros:
    • 0% intro APR offer: Shop interest-free for the first 14 months from account opening (11.99% - 22.99% variable APR thereafter).
    • Welcome bonus: Discover gives you a mile-for-mile match at the end of your first year.
    • No annual fee: The card carries no annual fee, so you won’t have to worry about spending enough to offset a fee.
    • No foreign transaction fees: You won’t incur fees on purchases made when you travel abroad.
    • Flat-rate rewards system: Earn 1.5x miles on all purchases. No rotating categories to worry about.
    • Flexible rewards redemption: Redeem for cash or travel and online purchases.
  • Cons:
    • Miles aren't transferable: The issuer doesn’t offer rewards transfer to partner airlines.
    • No travel categories to maximize rewards: If you spend more on purchases in a certain category, you won't be able to take advantage of that.
  • Benefits:
    • Discover Match®;
    • Unlimited 1.5x miles;
    • $0 Fraud Liability;
    • Free FICO Score Each Month.
Card detail

Short Review of Best Travel Cards

NameBest forRewards RateAPRApply
Triple Cash Rewards Visa®
3.84
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 8.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Celtic Bank Deserve® EDU Mastercard
    3.5
    Cash Back, Without SSN, Student
  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • 19.49% VariableApply now
    On Celtic Bank‘s site
    Chase Sapphire Preferred®
    4.53
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 15.99% - 22.99% VariableLearn more
    Chase Sapphire Reserve®
    4.11
    Travel, Restaurants, Daily use
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 16.99% - 23.99% VariableLearn more
    American Express® Gold Card
    3.13
    Cash Back
  • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
  • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
  • 3x Points on flights.
  • 1x Points on other eligible purchases.
  • 16.24% - 23.24% VariableLearn more
    American Express® The Platinum Card®
    3.79
    Young couples
  • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x Points on prepaid hotels.
  • 1x Points on all other purchases.
  • 16.24% - 23.24% VariableLearn more
    Citi AAdvantage® Platinum Select® World Elite Mastercard®
    3.76
    Honeymoon
  • 2x Miles for every $1 spent at restaurants and gas stations.
  • 2x Miles for every $1 spent on eligible American Airlines purchases.
  • 1x Mile for every $1 spent on all other purchases.
  • 15.99% - 24.99% VariableLearn more
    Capital One Venture Rewards
    3.69
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 15.99% - 23.99% VariableLearn more
    Chase Ink Business Preferred®
    4.57
    Without SSN, Daily use
  • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
  • 1x Point per $1 on all other purchases.
  • 15.99% - 20.99% VariableLearn more
    Bank of America Travel Rewards
    3.79
    Cash Back, No Annual Fee
  • 1.5x Unlimited points per dollar on all qualifying purchases.
  • 13.99% - 23.99% VariableLearn more
    Chase Freedom Flex℠
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • 14.99% - 23.74% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 14.99% - 23.74% VariableLearn more
    Capital One VentureOne Rewards
    5
    Rewards, No Annual Fee, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 1.25x Miles per dollar on all purchases.
  • 14.99% - 24.99% VariableLearn more
    Citi Premier®
    4.14
    Travel
  • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
  • 1x Points on all other purchases.
  • 15.99% - 23.99% VariableLearn more
    American Express® Delta SkyMiles® Gold
    3.63
    Honeymoon
  • 2x Miles on dining at U.S. restaurants, plus takeout and delivery.
  • 2x Miles on groceries at U.S. supermarkets.
  • 2x Miles on Delta purchases. Made directly with Delta.
  • 1x Miles on other purchases.
  • 15.99% - 24.99% VariableLearn more
    American Express® Hilton Honors
    3.27
    No Annual Fee
  • 7x Points on hotels & resorts. For eligible purchases at hotels and resorts in the Hilton portfolio.
  • 5x Points on dining at U.S. restaurants.
  • 5x Points on groceries at U.S. supermarkets.
  • 5x Points on Gas at U.S. gas stations.
  • 3x Points per dollar spent on all other eligible purchases.
  • 15.99% - 24.99% VariableLearn more
    American Express® Business Platinum Card®
    2.57
    Big purchase
  • 5x Points on flights and prepaid hotels on amextravel.com.
  • 1.5x Points on business categories and purchases of $5,000 or more. On up to $2 million of these purchases per calendar year.
  • 1x Points for each dollar you spend on eligible purchases.
  • 14.49% - 22.49% VariableLearn more
    Discover Bank Discover it® Miles
    3.96
    Low Interest, Daily use
  • 1.5x Miles on every dollar of every purchase.
  • 11.99% - 22.99% Variable APRLearn more

    Who should apply for travel credit cards

    Chase Sapphire Preferred®

    The Chase Sapphire Preferred® credit card has a relatively low annual fee, no foreign transaction fees, a solid list of benefits and a balanced rewards program. That makes it a good choice for frequent travelers looking to earn rewards on traveland in other select categories to maximize rewards.

    Read more about Chase Sapphire Preferred®

    Chase Sapphire Reserve®

    The Chase Sapphire Reserve® credit card has high rewards rates, outstanding rewards value, and excellent benefits, making it convenient for frequent travelers who spend a lot on dining and travel-related purchases.

    Read more about Chase Sapphire Reserve®

    American Express® Gold Card

    The American Express® Gold Card card earns you up to 4x points on dining and groceries (at U.S. supermarkets on up to $25,000 in purchases per year) and offers a few annual statement credits foodies will love. It is a good choice for you if you love eating out and shopping at U.S. Supermarkets. As long as you can spend enough to offset the $250 annual fee and take advantage of all statement credits, this card will work for you.

    Read more about American Express® Gold Card

    American Express® The Platinum Card®

    The Platinum Card® from American Express® has a high annual fee of $695 and offers an elevated experience with luxury perks and many annual credits. This makes the card a good choice for frequent travelers who look for elite benefits like access to high-end hotel deals and airport lounges and can maximize the annual credits. The Platinum Card® from American Express® also doesn't charge foreign transaction fees and may be a good option if you want to travel abroad.

    Read more about American Express® The Platinum Card®

    Citi AAdvantage® Platinum Select® World Elite Mastercard®

    The Citi AAdvantage® Platinum Select® World Elite Mastercard® is a good choice for American Airline loyalists who want to earn rewards and save on travel costs with the airline.

    Read more about Citi AAdvantage® Platinum Select® World Elite Mastercard®

    Capital One Venture Rewards

    The Capital One Venture Rewards credit card is a good choice for travelers who prefer simplicity and want to earn travel rewards at a flat rate on all purchases.

    Read more about Capital One Venture Rewards

    Chase Ink Business Preferred®

    The Chase Ink Business Preferred® credit card comes with a relatively low annual fee and doesn't charge foreign transaction fees. It’s a good choice for small business owners who can maximize the high annual spending limit in the bonus categories.

    Read more about Chase Ink Business Preferred®

    Bank of America Travel Rewards

    The Bank of America Travel Rewards Credit Card comes with a 0% intro APR offer for the first 15 billing cycles for purchases (a variable APR of 13.99% - 23.99% after) and carries no annual fee or foreign transaction fees. That makes it one of the best travel credit cards for beginners who want to earn rewards at a flat rate without having to worry about spending categories.

    Read more about Bank of America Travel Rewards

    Chase Freedom Flex℠

    The Chase Freedom Flex℠ Credit Card offers a 0% intro APR period for 15 months (14.99% - 23.74% Variable after) and doesn't charge an annual fee. It is a great rewards credit card card for those who want to take advantage of the quarterly rotating categories and flexible redemption options.

    Read more about Chase Freedom Flex℠

    Chase Freedom Unlimited®

    If you spend a lot on dining and groceries, the Chase Freedom Unlimited® card may be a good choice for you. Plus, the card earns a solid rate on general purchases. You can also take advantage of the 0% intro APR period for 15 months to pay off credit card debt (14.99% - 23.74% variable after that).

    Read more about Chase Freedom Unlimited®

    Capital One VentureOne Rewards

    The Capital One VentureOne Rewards card offers flexible redemption options. It is a good choice for travelers who are not loyal to a particular airline or hotel brand.

    Read more about Capital One VentureOne Rewards

    Citi Premier®

    The Citi Premier® is a good credit card to earn travel points for people who want to earn rewards on everyday purchases that can easily be transferred to travel partners or redeemed for travel related expenses.

    Read more about Citi Premier®

    American Express® Delta SkyMiles® Gold

    The Delta SkyMiles® Gold American Express® credit card doesn't charge foreign transactions fees. The card may be a good choice for Delta Air Lines frequent travelers to earn miles and redeem for travel to various destinations at home and overseas.

    Read more about American Express® Delta SkyMiles® Gold

    American Express® Hilton Honors

    The Hilton Honors American Express® credit card is a good choice for travelers who frequent hotels and resorts in the Hilton portfolio. It also has no annual or foreign transactions fees, making it one of the best hotel credit cards for beginners and international travel.

    Read more about American Express® Hilton Honors

    American Express® Business Platinum Card®

    The Business Platinum Card®​ from American Express® is a good choice for business owners who travel frequently and can spend enough to leverage all the statement credits to offset the annual fee.

    Read more about American Express® Business Platinum Card®

    Discover Bank Discover it® Miles

    The Discover it® Miles is a good credit card for beginners who want to earn miles at a flat rate on all purchases.

    Read more about Discover Bank Discover it® Miles

    What is a travel credit card

    A travel credit card is a type of rewards credit card that gives cardholders opportunities to earn miles or points. Rewards can be redeemed for travel-related expenses like flights, hotels, car rentals, and more.

    There are also premium travel credit cards that come with luxury perks like lounge access, generous sign-up bonuses, elite statuses at hotels and resorts, travel coverage, specialist assistance services, and annual statement credits.

    What are the different types of travel credit cards

    There are three different types of travel credit cards, including:

    General credit cards

    General credit cards are not tied to a particular airline or hotel brand and offer flexible redemption options.

    Points and miles can be redeemed for travel, statement credits, gift cards, and online shopping. You can also transfer travel rewards to partners or book flights and hotels via the issuer's travel portal.

    They are great travel credit cards for travelers who aren't loyal to a particular hotel or airline brand and want to have options to maximize their rewards.

    Good examples of general travel credit cards include the Chase Sapphire cards, the Capital One Venture cards and The Platinum Card® from American Express®.

    Co-branded hotel cards

    Hotel credit cards require you to be loyal to a hotel group and are usually used for booking accommodations or dining at particular hotel chains and their partners.

    They offer high reward rates for hotel spending and lower rewards for other purchases. They may also come with generous one-time sign-up bonuses and different forms of travel insurance.

    They work well for loyal guests who often book hotel stays at properties of a particular hotel chain. Examples include the Hilton Honors American Express® Card, the Marriott Bonvoy Brilliant™ American Express® Card, and others.

    Co-branded airline cards

    Airline credit cards are travel credit cards issued by credit companies in partnership with airlines. You earn most miles for flights booked with the airline or partner airlines and rewards at a lower rate for other purchases.

    Other perks include priority boarding, free checked bags, discounts on in-flight purchases, and access to airport lounges.

    Travel rewards can only be redeemed with the airline or its partners. The Delta SkyMiles® Gold American Express® and Citi AAdvantage® Platinum Select® World Elite Mastercard® are good examples in this category.

    How do points and miles work on travel credit cards

    You earn points or miles with every purchase you make in eligible categories, and your rewards continue to accumulate as you use the card. Points and miles can then be redeemed for gift cards, vacation deals, flights and hotels, and other travel-related expenses.

    How to choose a travel credit card

    To choose the best travel credit card, you need to look at several factors, including:

    • Spending habits: To maximize rewards value, choose a card that offers high rewards rates in categories that align with your spending habits.
    • Sign-up bonuses: Make sure you can meet the spending limit within the specified period to benefit from the sign-up bonus.
    • Redemption options: You'll come out ahead if the card offers flexible redemption options that align with your preferences and priorities.
    • Annual fee: Make sure you can spend enough to offset the annual fee.
    • Foreign transaction fees: Many travel cards don't charge foreign transaction fees, and you may want to avoid ones that do.
    • Travel benefits offered: Consider the type of travel benefits offered, like 24/7 access to concierge or customer assistance service, various types of travel coverage, purchase protection, and more.
    • Loyalty: Does the card require you to be loyal to a particular hotel or airline brand? If it does, make sure you already use this brand often.

    Pros and cons of travel credit cards

    Pros: Cons:
    High rewards rate: Travel credit cards offer up to 5x, 7x, or even up to 10x rewards on eligible purchases. High annual fee: Though there are cards with no annual fee, most premium travel credit cards carry high annual fees, up to $695 on our list.
    Huge sign-up bonuses: As long as you can meet the spending limit, some cards offer 50,000 to 100,000 or more bonus points. High interest rates: Interest charges can increase your costs if you carry a balance month- to-month.
    No foreign transaction fees: Most travel credit cards don't charge foreign transaction fees, which is great when traveling abroad. Restrictions: Some travel credit cards require you to be loyal to particular airlines and hotels to maximize rewards.
    Better point valuation: Your points are usually worth more when redeemed for travel.

    Who should get a travel credit card

    As the name goes, travel credit cards are meant for travelers. They are best suited for airline and hotel loyalists, frequent travelers, business travelers, and international travelers as most of these cards don't charge foreing transactions fees.

    What are the best strategies to maximize travel rewards

    There are several ways to maximize travel rewards. The top ones include:

    • Pick the right card that fits your spending style: That way, you can maximize rewards and savings.
    • Combine cards: You may want to combine a co-branded card with a general travel card or cards from the same issuer to maximize rewards in all categories.
    • Earn the sign-up bonus and offset the annual fee: Spend enough the first few months to take advantage of the sign-up bonus, and make sure you spend enough to recoup the annual fee.
    • Pay your balance in full: To avoid a high APR, pay your balance in full each month.

    FAQ

    Which credit card is best for flight booking?

    The Sapphire Reserve® from Chase credit card is one of the best credit cards for booking flights. The card offers a collection of travel insurances, access to airport lounges, and high point value.

    What credit score do you need to get a travel credit card?

    Different credit card companies have different credit score requirements, but generally, it helps if you have a good to excellent credit score.
    The higher your credit score, the higher your chances of getting approved for a travel credit card at favorable terms.

    What credit cards offer the best travel insurance?

    The Sapphire Reserve® from Chase, The Platinum Card® from American Express®, the Chase Sapphire Preferred® Card, and the Ink Business Preferred® Credit Card are some of the travel credit cards that offer the best travel insurance coverage.

    What is the difference between points and miles on a credit card?

    There’s really no big difference. Both are reward units used to measure rewards rates on different credit cards.