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If frequent travel is on your agenda, you are going to want to take a look at a travel credit card. The best travel cards offer lucrative rewards that can save you hundreds of dollars each year on travel. Travel cards also provide valuable travel benefits, like free checked bags, free hotel stays, lounge access, travel insurance and annual credits.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
The Chase Sapphire Preferred® Card is the best travel card because it has some of the most flexible and valuable points. It also has several types of travel insurance and protections while having a reasonable $95 annual fee. The benefits, earning rate and generous sign-up bonus make this card perfect for beginners and experienced travelers.
Savvy traveler tip:
The best way to maximize your rewards with this card is by redeeming them through the Chase Ultimate Rewards® portal. You’ll get 25% more value from your rewards.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC
The information related to the Chase Sapphire Preferred® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
No annual fee credit cards
Owning a travel credit card doesn’t necessarily mean you have to pay an annual fee. Cards with an annual fee typically come with more benefits. But, there are a number of no annual fee travel credit cards that allow you to earn points without the extra cost. Many of these cards also come with other valuable travel benefits.
No annual fee
Wells Fargo Autograph℠ Card
Review Coming Soon
Travel Rewards: 1x-3x points
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Intro Purchase APR0% intro APR for 12 months from account opening on purchases
Annual Fee$0
Regular Purchase APR20.24%, 25.24%, or 29.99% variable APR
The Wells Fargo Autograph℠ Card charges a $0 annual fee and offers a generous rewards rate in popular travel spending categories. Cardholders earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
The card also offers a solid sign-up bonus with a low spend requirement. Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. You must select "Apply Now" to take advantage of this specific offer. You can redeem rewards for travel, gift cards, statement credit and merchandise.
Savvy traveler tip:
The Wells Fargo Autograph℠ Card offers a 0% intro APR for 12 months from account opening on purchases, and then a 20.24%, 25.24%, or 29.99% variable APR after that. This can come in handy if you need to finance a trip and pay it off over time.
Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. You must select "Apply Now" to take advantage of this specific offer.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
Select “Apply Now” to learn more about the product features, terms and conditions.
The information related to the Wells Fargo Autograph℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Credit cards for international travel
Many credit cards charge a foreign transaction fee of around 3%, which can add a significant amount to your travel expenses. Choosing a card with no foreign transaction fee is best for international travel. Plus, you get rewards and benefits like lounge access, free checked bags, priority boarding, Global Entry and TSA PreCheck. These can make a long trip abroad more comfortable.
The Capital One Venture Rewards Credit Card is our top pick for international travel because it has no foreign transaction fees. Plus, it’s a Visa card, which means it generally has wide international acceptance. It has a simple rewards structure and a moderate $95 annual fee, which also makes it a good card for beginners.
Savvy traveler tip: Access two free lounge visits to Capital One Lounges in more than 100 locations with Capital One’s Partner Lounge Network.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Business travel credit cards
A business travel credit card is a great way for small business owners to earn free flights and hotel stays. Plus, you will earn rewards on business purchases like computers, office supplies and more. The perks that come with your card, like free checked bags and lounge access, are also beneficial for business travel.
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Points are worth 25% more when redeemed through the Ultimate Rewards travel portal
Transfer points at a 1:1 rate to Chase travel partners
Trip cancellation/interruption insurance
Free employee cards
$95 annual fee
Sign-up bonus has a high minimum spending requirement
Travel insurance benefits are lacking
The Ink Business Preferred® Credit Card is an excellent choice for business owners who want to earn lucrative travel rewards. The sign-up bonus allows you to save significantly on travel. When you transfer points to a Chase airline or hotel partner, points are worth around 2 cents per point or higher.
The travel perks and trip insurance benefits are lacking on this card when compared with other travel credit cards. You’ll earn more on business-related spending categories to make up for it.
Savvy traveler tip: Travel for business? Optimize your business travel credit card for lounge access, airline miles or your other travel goals.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC
The information related to the Ink Business Preferred® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Credit cards that offer travel insurance
Travel insurance is essential if something happens before or during your trip. It can give you one less thing to worry about when traveling. Many credit cards come with travel insurance when you use your card to purchase flights, hotels and more. Terms vary depending on which credit card and issuer you choose.
2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel
Miles don’t expire and you can transfer them to 15+ loyalty programs
Valuable travel credits
Travel and purchase protections
Airport lounge access
Free to add authorized users
High annual fee
No automatic elite status
If you frequently travel and have the budget to splurge on a premium travel credit card, The Capital One Venture X Rewards Credit Card is an excellent choice offering a number of luxury travel perks. The card also comes with an extensive list of travel and purchase protections, including trip cancellation and interruption insurance, baggage delay reimbursement and auto rental collision damage waiver.
Savvy traveler tip: If you are looking for a credit card with solid travel insurance, The Capital One Venture X Rewards Credit Card is a great option despite its annual fee. You can take advantage of insurance and protections automatically when you use this card to make travel purchases.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Credit cards for beginners
A beginner credit card is a good way for a college student or adult with a limited credit history to build their credit score. A good credit card for beginners should have low-to-no annual fee and reasonable interest rates, should you need to carry a balance. Many offer welcome offers, as well as rewards programs, which can help you save money when you travel.
No premium travel perks like travel credit or insurance
The Discover it® Miles has a $0 annual fee and lets cardholders earn 1.5 Miles per dollar on all purchases. Each mile is worth 1 cent, so you earn 1.5% back on each and every purchase. This card is even more valuable with its unique sign-up bonus for new cardmembers: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
First year card value:$600 Ongoing annual card value:$300
And if you need to carry a balance on your card, you can take advantage of the 0% Intro APR for 15 months. After that, a 17.24% - 28.24% Variable APR applies.
Savvy traveler tip: When it comes to foreign transaction fees, this card comes with None. However, since it’s not always accepted abroad, be sure to take an alternate travel card when your travels take you outside of the country.
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
No Annual fee
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Discover is accepted nationwide by 99% of the places that take credit cards.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Click through to Discover’s website to see terms and conditions.
Credits cards that offer lounge access
Airport lounges provide a comfortable and spacious environment that beats having to wait in long lines or crowds. With a credit card that offers airport lounge access, you can enjoy services like charging stations, complimentary food and beverages and Wi-Fi access. You’ll typically have to pay a high annual fee for a credit card with lounge access. But it’s a worthwhile benefit if you fly a lot. Plus, airport lounges are available worldwide.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Airport lounge access through The Global Lounge Collection®, including Centurion lounge access
Automatic Gold Elite Status with Marriott Bonvoy and Hilton Honors (enrollment required)
Trip delay/cancellation insurance*
Emergency medical transportation coverage
Foreign transaction fee: None
$695 annual fee
Annual credits can be hard to use
Bonus spending categories are narrow
The Platinum Card® from American Express is an elite travel card that gives you access to more than 1,400 airport lounges across 650 cities in 140 countries. Its annual fee is $695, but it comes with a long list of other perks, like large travel credits and hotel statuses (enrollment required). With strong travel protections* and a large welcome offer, it can be well worth the steep annual fee for frequent travelers.
Savvy traveler tip: Choosing a card with airport lounge access is one of our best frequent traveler tips. The Platinum Card® from American Express gives you access to a multitude of luxurious airport lounges all over the world.
To see rates & fees for The Platinum Card® from American Express please click here.
*The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.
Student credit cards
Student credit cards are a great way for college students to start building credit. Choosing a student credit card that caters to travel can be perfect for students planning to study abroad. Student credit cards do not come with the same level of travel benefits as other cards. However, they are easy to get approved for and have low annual fees.
Students
Bank of America® Travel Rewards Credit Card for Students
The Bank of America® Travel Rewards Credit Card for Students can help students start earning points while establishing their credit. It’s easier to qualify for than most other premium travel cards. Although its earning rate and sign-up bonus are minimal, it has a $0 annual fee — so it costs students nothing to learn how to use credit card points.
Savvy traveler tip: The Bank of America® Travel Rewards Credit Card for Students earns the same amount of points everywhere. Students can take this card anywhere and not have to wonder how many points they’ve earned.
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Credit cards for fair credit
A fair credit score typically falls between 580 and 669. There are a number of cards out there that can help you save on travel while also building your credit score. These cards do not come with as many travel benefits. However, you can find a few that come with no foreign transaction fee, making them good options for international travel. The best fair credit cards offer no annual fee, some rewards and the ability to upgrade to a travel card with more features as you grow your credit.
Fair credit
Capital One Quicksilver Secured Cash Rewards Credit Card
If you are looking to travel internationally, the Capital One Quicksilver Secured Cash Rewards Credit Card is an excellent option. This card is easy to get approved for if you have fair credit. It also requires a minimum security deposit of only $200, which becomes your line of credit.
Savvy traveler tip: For those looking to build or improve their credit score while simultaneously earning rewards on everyday purchases that can be put towards travel, The Capital One Quicksilver Secured Cash Rewards Credit Card is a great option.
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Luxury travel credit cards
Luxury travel credit cards are packed with premium benefits and high rewards on travel. They come with very high annual fees, so they are best for those who travel frequently and can offset the cost. You typically have good to excellent credit to qualify for a luxury travel credit card.
Cardholders can get more than $1,000 worth of credits, including up to a $200 airline fee credit* and up to $189 back in CLEAR® Plus Credits per year*. You’ll also get access to the American Express Global Lounge Collection — one of the best lounge networks around.
Other plush travel benefits include Hilton Honors Gold Status*, Marriott Bonvoy Gold Elite Status* and perks with the Fine Hotels and Resorts program.
Savvy traveler tip:The Business Platinum Card® from American Express is one of the best American Express travel cards. The significant value this card offers when you take advantage of the travel perks will impress you.
To see rates & fees for The Business Platinum Card® from American Express please click here.
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.
Airline credit cards
An airline credit card can help you maximize value on your travel expenses and needs. Each airline has its own ways to earn points and miles through loyalty programs. While many have an annual fee, the perks may outweigh the cost.
Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
Intro Purchase APRN/A
Annual Fee$0 introductory annual fee for the first year, then $99.
Solid earning rate across a wide range of categories
Free checked bag on Delta flights
Priority boarding
$100 Delta flight credit
$0 introductory annual fee for the first year, then $99.
Foreign transaction fees: None
Nice travel perks
Other travel cards offer higher welcome offers
No airport lounge access
The Delta SkyMiles® Gold American Express Card is one of the best for airline miles. It offers an excellent welcome offer and rewards rate that can help your airline miles add up quickly.
Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
Savvy traveler tip: Using Delta miles is a great way to travel for free and one of the best flight rewards credit cards. Use your Delta SkyMiles® Gold American Express Card when you buy groceries, dine out or pick up from restaurants. Plus, use your card for all Delta purchases to maximize your rewards earning potential.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
Enjoy your first checked bag free on Delta flights.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Earn 1X Mile on all other eligible purchases.
$100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Terms Apply.
Hotel credit cards
Hotel credit cards can unlock valuable hotel perks like free nights, elite status, statement credits, higher earning rates, flexible check in and more. They are especially beneficial if you are loyal to one hotel brand and can take advantage of a hotel loyalty program.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your your card in a calendar year
Access to 1,300+ airport lounges (enrollment required)
Strong welcome offer
Great earning rate
$95 annual fee
Can only redeem points for Hilton purchases
The Hilton Honors American Express Surpass® Card is a great choice for Hilton Honors rewards members. It offers a high earning rate and generous welcome offer. You can earn elevated points on a wide variety of purchases, including Hilton hotels and resorts, U.S. restaurants, U.S. supermarkets, U.S. gas stations and more. It also offers exclusive benefits that make this worth the $95 annual fee for Hilton frequenters.
Savvy traveler tip: Hilton Honors is one of the best hotel rewards programs. Investing in a Hilton credit card can be incredibly valuable for frequent Hilton travelers. This card automatically grants you Hilton Honors Gold status (enrollment required). This includes room upgrades when available, free continental breakfast, milestone bonuses and more.
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
$95 annual fee.
Terms Apply.
The information related to the Hilton Honors American Express Surpass® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Side-by-side comparison of our top picks for best travel credit cards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. You must select "Apply Now" to take advantage of this specific offer.
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel
Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
$0 introductory annual fee for the first year, then $99.
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first three months of card membership
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
You may prefer a specific issuer over others due to the benefits offered. You may also want to pool points from multiple credit cards to maximize their value. If this is the case, you should choose a travel credit card based on the bank that issues the card. Here are our top overall travel card picks from these major issuers:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. You must select "Apply Now" to take advantage of this specific offer.
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What is a travel card?
A travel credit card offers travel-related benefits and rewards. These rewards typically include bonus points on travel spending and a rewards system with travel redemption options.
The best travel credit cards come with travel protections and perks, like trip insurance, airport lounge access and elite status.
Types of travel cards
Transferable rewards
Some credit cards, like Chase Sapphire Preferred® Card, offer transferable points. You can transfer these to a variety of airline or hotel loyalty programs typically at a rate of 1:1.
Fixed value
You can redeem fixed-value rewards for cash back, statement credits, travel, gift cards and more at a set value with cards like the Capital One Venture Rewards Credit Card.
Airline miles
Airline miles are earned through one particular airline, and can be redeemed for flights with that airline and its airline partners like the Delta SkyMiles® Gold American Express Card.
A travel credit card is worth it for both frequent travelers and those who travel just a few times a year. Access to the rewards and benefits offered with a travel credit card can save you on flights and hotel stays. Plus, you will travel more comfortably when you take advantage of travel benefits. What makes a travel credit card worth it:
Sign-up bonus: Get a head start on earning points towards your next trip.
No foreign transaction fee: A travel credit card can help you save abroad on foreign transaction fees.
Redemption options: Many travel credit cards come with portals that offer a number of ways to redeem points at higher values.
Rewards structure: Using your card on other daily purchases can help you save points for your next vacation.
Loyalty programs: Increase your earnings by pairing a travel credit card with a rewards, hotel or airline loyalty program.
Benefits: Checked bags, trip insurance, early check in and more will make your trip more enjoyable.
Pros and cons of travel credit cards
Earn rewards that can offset the cost of travel
May provide additional travel discounts and perks
Often come with a variety of travel protections and insurances
May not charge foreign transaction fees when used to make purchases outside of the U.S.
More robust benefits typically require a higher annual fee
Redeeming rewards can be complicated
Hefty sign-up bonuses may come with a high spend requirement
Usually require good credit or better
How to choose a travel credit card
Before you choose a travel credit card, you should have an idea of how you will use the rewards and perks. You’ll want to consider both your spending and your travel goals.
On the spending side, analyze where most of your spending lies and look for cards that reward those spending categories. You should also have some idea of how you want to use your points and miles. Answering these questions will guide you toward the right credit card.
Do you have a specific destination in mind?
Do you have a specific redemption in mind? (Example: Seat preference on a flight or a weekend getaway at a luxury resort)
Or, do you just travel often and want to stockpile points and miles without a specific trip in mind?
An airline rewards credit card is best if you’re partial to a particular airline and want to earn miles to help offset the cost of airfare. If the card is co-branded with an airline, like the Delta SkyMiles® Gold American Express Card, any perks and rewards it offers only apply to that airline and, sometimes, any partner airline.
Along with the value of the card’s sign-up bonus, look at the card’s earning rate on airline and everyday purchases. Also see if the card offers any of the following benefits:
No foreign transaction fees. Many credit cards charge 3% on every purchase in a foreign country, meaning you’re shelling out $30 for every $1,000. The best travel rewards credit cards don’t have foreign transaction fees, and you should have at least one on hand.
Acceptance. If you’re traveling internationally, you should get a credit card that’s widely accepted. Visa and Mastercard are accepted almost everywhere. American Express is catching up and, while there are still a lot of popular travel destinations that don’t accept it, Discover is expanding its reach.
Global Entry/TSA Precheck. The best travel credit cards offer up to a $100 credit for Global Entry or TSA Precheck application fees. You can expedite your way through security checks.
Airport lounge access. If you fly often, airport lounge access is priceless. Not only does it make long connections and early flights more bearable, but the complimentary food and beverages can actually save you money while you travel. Sometimes, you’ll even find showers and beds.
Free checked baggage. If you tend to check bags, waived baggage fees can more than recoup the cost of a card’s annual fee.
Elite status benefits. Many cards grant you accelerated or automatic elite status with major airlines or hotel chains. This brings additional benefits, such as free hotel breakfasts or priority boarding on flights.
Hotel points, like Hilton Honors points, are linked to one particular hotel program and can be redeemed for hotel nights with that program. While a hotel credit card will typically earn bonus points on more narrow categories, like spending at one specific hotel chain, some cards can get you 14x points per $1 at that hotel chain.
Along with no foreign transaction fees and elite status benefits, consider if the hotel card offers the following benefits:
Free night stays
Travel protections
Elite status benefits
The benefits and rewards offered by co-branded cards, like the Hilton Honors Aspire Card from American Express, are typically only useful at the card’s hotel chain.
If you don’t want to be tied to one airline or hotel brand, choose a general travel rewards credit card. Because flexible points have the obvious benefit of flexibility, they may seem like a no-brainer. Be aware that you may only get up to 3x points per $1 on travel purchases. You will earn that on all travel spending regardless of the brand.
In general, you’ll want to consider the following:
Earning categories. You’ll want to go for a card that earns big on your main spending categories. Estimate your annual spending in major categories like travel, dining, groceries and gas. Then, do the math to figure out how much you’d earn in a year with each one.
Welcome offer. While the welcome bonus shouldn’t be as important as the card’s lasting value, it’s an important factor. If you’re stockpiling points for a particular travel goal, these bonuses can get you there quickly. You should also consider the minimum spending requirement for these sign-up bonuses, as some are more attainable than others.
Savvy traveler tip: When choosing the best travel credit card, make sure to look at its long-term value. Do the card’s earning categories match your spending habits, or do you value flexibility with your rewards? These factors are much more important than the sign-up bonus.
Co-branded vs. general travel cards
A co-branded travel credit card is best for you if you are loyal to one hotel or airline brand. Popular airline and hotel brands like American Airlines and Marriott Bonvoy offer credit cards with brand specific benefits. You can earn elite status, lounge access, free anniversary nights and more.
Co-branded travel credit cards:
Are issued by banks with a specific airline or hotel brand partner
Offer perks specific to the particular airline or hotel, like free checked bags or room upgrades
May earn a higher rewards rate on specific, brand-related purchases
May accelerate earning elite status with the airline or hotel
If you are not brand loyal and plan to use your card with a number of hotel and airline brands, a general travel card is the better choice. These cards come with a lot of similar travel benefits and flexible point options that you can transfer to a hotel or airline partner.
General travel credit cards:
Are issued by a bank but not specific to a single airline or hotel brand partner
Can potentially earn rewards on wider variety of purchases
Loyalty programs are another important factor in choosing the best travel credit card for you. These programs allow you to rack up points quickly and offer flexible ways to redeem your points.
They differ in how you can use points and how much they are worth. Some allow you to redeem points by transferring them to a qualifying airline or hotel partner at a 1:1 ratio. Consider how you plan to use your points and see if it matches up with one of these popular loyalty programs:
Rewards loyalty programs
Loyalty program
Average point/mile value
American Express Membership
$0.022
Chase Ultimate Rewards®
$0.02
Airline loyalty programs
Loyalty program
Average point/mile value
American Airlines AAdvantage
$0.01
Delta SkyMiles
$0.013
JetBlue TrueBlue
$0.016
Southwest Rapid Rewards
$0.014
United Airlines' MileagePlus
$0.012
Hotel loyalty programs
Loyalty program
Average point value
Best Western
$0.007
Choice Privileges
$0.011
Hilton Honors
$0.005
IHG
$0.005
Marriott Bonvoy
$0.009
World of Hyatt
$0.017
Transfer partners
Even if you decide you want flexible points, you’re going to want to identify your preferred airlines and hotels. You might be able to transfer your points at a 1:1 value.
For example, the Chase Sapphire Preferred® Card offers transferable points. The list of available transfer partners can help you choose which general travel credit card to get.
Credit card transfer partners:
Aer Lingus
AeroMexico
Aeroplan/Air Canada
Air France KLM
ANA Mileage Club
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific
Delta Air Lines
Emirates Skywards
Etihad Guest
Flying Blue (Air France/KLM)
HawaiianMiles
Iberia Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
Virgin Atlantic Flying Club
Choice Privileges
Hilton Honors
Marriott Bonvoy
Aer Lingus
Aeroplan/Air Canada
British Airways
Emirates Skywards
Flying Blue (Air France/KLM)
Iberia
JetBlue TrueBlue
Singapore Airlines
Southwest Airlines
United Airlines
Virgin Atlantic Flying Club
IHG Rewards Club
Marriott Bonvoy
World of Hyatt
AeroMexico
Accor Live Limitless
Avianca Lifemiles
Cathay Pacific
Choice Privileges
Emirates Skywards
Etihad Guest
EVA Air
Flying Blue (Air France/KLM)
JetBlue TrueBlue
Qantas Frequent Flyer
Qatar Privilege Club
Singapore Airlines
Thai Orchard Royal Plus
Turkish Airlines Miles & Smiles
Virgin Atlantic Flying Club
Wyndham Rewards
How much are your points and miles worth?
The best airline or hotel rewards program, the best hotel rewards program or the best credit card for travel points will depend on how you redeem the points. You’ll need to consider points and mile value to earn the most rewards on your spending.
In general, you’ll find that some rewards will take you farther than others. Keep these rules in mind:
With the exception of Hyatt, hotel rewards program points tend to be inflated
Airline miles tend to be a little more valuable than average
Flexible points like Chase Ultimate Rewards® and Amex Membership Rewards tend to be especially valuable, because you can transfer them to a variety of loyalty programs
Here's how some popular rewards programs stack up according to our own estimates:
Loyalty program
Average point/mile value
American Express Membership Rewards
$0.02
Chase Ultimate Rewards®
$0.02
Citi ThankYou Rewards
$0.02
World of Hyatt
$0.017
Southwest Rapid Rewards
$0.014
Delta SkyMiles
$0.013
United MileagePlus
$0.011
American Airlines AAdvantage
$0.01
Marriott Bonvoy
$0.008
Hilton Honors
$0.005
IHG Rewards Club
$0.005
Ultimately, the value of points and miles depends on how you redeem them. With a redemption option in mind, use this simple equation to calculate the value of your points/miles:
Cash price* ÷ Number of points needed for redemption = Points value
*Check to see if taxes and fees are included in your award
How to maximize your travel credit card
To get the most value from your travel credit card, take full advantage of the card’s rewards program and benefits.
Plan out your next few cards. It’s helpful to create a timeline of when you plan to apply for different cards. Some issuers have restrictions that could influence when they approve you for cards. For example, Chase has its unspoken “5/24 rule.” Chase may deny you for a card if you’ve opened five or more credit cards in the last 24 months. Wells Fargo also has a rule that prevents you from opening a new Wells Fargo card if you’ve already opened a card from the issuer in the last six months.
Time your applications for bonus offers. Credit card bonus offers can be significant. Earning a sign-up bonus before you book a trip can help you reduce the price of your flight or hotel.
Juggle multiple cards. Using multiple cards can take some extra planning and effort, but it can be worth it. Strategically using certain cards for specific earning categories can help you earn points faster. This also helps you spend less money to get the same number of points.
Consider how to redeem your points. There are several ways to redeem your points, depending on what travel card you have. Two of the best ways for travel are either your issuer’s travel portal or transferring to airline or hotel loyalty programs. How you redeem can alter the value of your points.
Use the issuer’s shopping portal. Some issuers have online shopping portals that allow you to shop at popular retailers, but earn more points for it. If you’re already going to be shopping, you might as well do it where you can earn more rewards for it.
Take advantage of card benefits. It’s important to be aware of what benefits and protections your card offers. You’ll be prepared to take full advantage of them if needed.
These travel benefits can be a significant value add, so shouldn’t be overlooked:
Free checked bags
Airport lounge access
Room upgrades
Car rental insurance
Lost luggage reimbursement
Elite status upgrades
Global Entry/TSA PreCheck application fee credit
Alternative rewards credit cards if you don’t travel
If you don’t travel enough to justify a travel credit card, there are other rewards credit card options.
Bonus cash back cards that give you elevated cash back in certain categories like groceries, gas and more, like the Blue Cash Preferred® Card from American Express and a lower percentage on all other purchases.
Regular flat-rate cash back credit cards like the Wells Fargo Active Cash® Card give you a single percentage, usually 1% to 2%, of cash back on every purchase.
The Chase Sapphire Preferred® Card is the best travel credit card because of its flexible points, reasonable $95 annual fee and array of travel insurance and protections. You’ll earn Chase Ultimate Rewards® points, which are worth 25% more value when redeemed for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. You can also transfer points to hotel and airline loyalty programs at a 1:1 rate.
It’s possible to cover the cost of your next trip or vacation by maximizing your credit card travel rewards. Here are a few ways to do so:
You can apply for a travel credit card when a large sign-up bonus offer becomes available.
You can shuffle between multiple cards to earn rewards in each of your top spending categories.
You can also redeem rewards through issuers’ travel portals or transfer them to loyalty programs.
Or, make your purchases through the issuers’ online shopping portals when possible.
Cash back and travel rewards credit cards are both types of rewards credit cards. They differ in how you are being rewarded. A cash back credit card earns rewards in the form of dollars. You can redeem them for statement credits, gift cards, a direct deposit into your bank account and more. Travel rewards credit cards offer rewards in the form of points and miles that you can redeem for travel related expenses.
Most credit card points and miles don’t expire as long as your credit card account is open and in good standing. Leaving your card open is your best bet. If your points are in a hotel loyalty or frequent flyer account rather than your credit card account, you typically have to have activity every 12 to 24 months. Activity can include earning or redeeming points or miles. You can either buy or redeem some points/miles to keep your account active.
The credit score needed will depend on the travel rewards credit card you apply for. You should generally try to aim for a good credit score or higher for the best chance of approval. This means you should have a FICO Score of 670 or greater. If you’re looking for a travel credit card for fair credit, start with the Capital One Platinum Credit Card. Build credit, work your way up to a good credit score, then apply for a more rewarding travel card.
The credit cards with the most worldwide acceptance include cards that use either the Visa or Mastercard networks. American Express and Discover cards are less widely accepted.
Methodology: How we chose our travel cards
To make choosing the travel right card easier, we’ve looked at credit cards reviewed on LendingTree, as well as cards on major issuer sites, to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with these travel cards. We primarily considered the following:
Welcome offer and travel rewards value
Cost of ownership
Value of benefits, like travel and purchase protections, lounge membership and airline companion passes
We selected cards whose features best represented each identified topic. For example, when choosing the best travel rewards card for beginners, we analyzed cards with a simple and valuable rewards structure. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
To see rates & fees for The Platinum Card® from American Express please click here.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
To see rates & fees for The Business Platinum Card® from American Express please click here.
Wells Fargo Autograph℠ Card, Bank of America® Travel Rewards Credit Card for Students and Hilton Honors American Express Surpass® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Charlotte Zhang
Expertise: Credit cards, personal finance, life insurance, real estate investing
Education: Martin Luther College
Charlotte Zhang is a freelance writer, focusing on credit cards.
Prior to becoming a personal finance writer, Charlotte Zhang spent more than 15 years as an English as a Foreign Language teacher in small-town China after receiving her education degree from Martin Luther College. She taught thousands of students across all levels; from preschoolers to C-suite executives, with middle school being her favorite age group.
She’s written personal finance content for Joy Wallet, Save, Insurify, The Penny Hoarder, Money Under 30, RBC Wealth, Next Advisor, Credit Sesame, The Simple Dollar, Work+Money, Capital One, Incomes Abroad and International Living. Additionally she’s ghostwritten content for real estate investing and insurance blogs.
When she’s not scanning receipts to earn cash back rewards or giving personal finance tips to friends, she enjoys knitting woolen socks (not a frugal hobby), cooking (a great way to save) and hanging out with her husband and two kids.