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.
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12 Best Travel Credit Cards in May 2025
Content was accurate at the time of publication.
Citi is an advertising partner.
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.
Our pick for best travel credit card
Our pick for best travel credit card
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is the best travel credit card of 2023 because it earns flexible, valuable points and offers moderate travel protection.
Best travel credit cards in December 2023
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.
Winner
Chase Sapphire Preferred® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 2x-5x points
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Generous sign-up bonus
- Flexible rewards rate
- 25% boost in rewards value
- Travel transfer partners
- Extensive trip insurance benefits
- $0 foreign transaction fee
- Statement credits each account anniversary year
- $95 annual fee
- No intro APR
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.
First year card value: $1,972
Ongoing annual card value: $602
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 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- 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
No annual fee
Wells Fargo Autograph® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.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.
- $0 annual fee
- Intro APR on purchases
- Rewards on popular travel categories
- Valuable sign-up bonus
- Foreign transaction fees: None
- No balance transfer intro APR
- Rewards can’t be transferred to loyalty partners
- Limited travel benefits
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. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. You can redeem rewards for travel, gift cards, statement credit and merchandise.
First year card value: $642
Ongoing annual card value: $342
Savvy traveler tip:The Wells Fargo Autograph® Card offers a 0% intro APR for 12 months from account opening on purchases, and then a 18.49%, 24.49%, or 28.49% Variable APR after that. This can come in handy if you need to finance a trip and pay it off over time.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- 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. 18.49%, 24.49%, or 28.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
*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.
International travel
Capital One Venture Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 2x-5x miles
2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- Generous sign-up bonus
- Rewards rate with flexible redemption options
- Transfer miles to 15+ travel loyalty programs
- Foreign transaction fee: None
- $95 annual fee
- Light on travel perks
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.
First year card value: $1,246*
Ongoing annual card value: $496*
Savvy traveler tip:Take advantage of this card’s credit (up to $100) for Global Entry or TSA PreCheck®.*This estimate is based on LendingTree’s value methodology.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Venture Rewards 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.
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.
Business
Ink Business Preferred® Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards:1-3 points
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.
- Huge sign-up bonus
- Rewards on travel and business purchases
- 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.
First year card value: $2,393
Ongoing annual card value: $393
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.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- 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.
Travel insurance
Capital One Venture X Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 2x-5x miles
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 and vacation rentals booked through Capital One Travel
- Generous sign-up bonus
- Top earning rate
- Bonus miles each account anniversary
- 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.
First year card value: $1,709*
Ongoing annual card value: $180*
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.*This estimate is based on LendingTree’s value methodology.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Venture X Rewards 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 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.
Best for beginners
Discover it® Miles*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: Unlimited 1.5x miles per $1 spent
Earn 1.5 Miles per dollar on all purchases.
- Simple flat-rate rewards
- Generous sign-up bonus
- Long intro APR
- $0 annual fee
- Foreign transaction fee: None
- Can’t transfer miles
- Not always accepted abroad
- 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: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
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 17.49% - 26.49% 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: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee.
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
- 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR will apply.
- Terms and conditions apply.
*The information related to the Discover it® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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.
Lounge access
American Express Platinum Card®*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards:5x points
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. Terms apply.
- Generous welcome offer
- Excellent rewards
- Transfer points to airline and hotel partners
- Uber savings
- Hotel and shopping credits
- 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
- $895 annual fee
- Annual credits can be hard to use
- Bonus spending categories are narrow
American Express Platinum Card® 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 $895, 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.
First year card value: $4,021
Ongoing annual card value: $1,821
Savvy traveler tip: Choosing a card with airport lounge access is one of our best frequent traveler tips. American Express Platinum Card® gives you access to a multitude of luxurious airport lounges all over the world.*To see rates & fees for American Express Platinum Card®, 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.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
*The information related to the American Express Platinum Card® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 1.5 points
1.5 points per $1 spent on all purchases.
- Simple rewards structure
- $0 annual fee
- Long intro APR offer
- Easy to qualify for
- Foreign transaction fee: $0
- Limited travel insurance and protections
- Small sign-up bonus
- No elevated earning categories
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.
First year card value: $550
Ongoing annual card value: $300
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 as long as your account remains open.
- 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 17.49% to 27.49% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
*The information related to the Bank of America® Travel Rewards Credit Card for Students 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 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*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 1.5%-5% cash back
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- $0 annual fee
- Solid rewards rate
- Ability to increase credit line
- Foreign transaction fee: None
- High purchase APR
- No sign-up bonus
- Maximum credit line cap
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.
First year card value: $313*
Ongoing annual card value: $313*
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.*This estimate is based on LendingTree’s value methodology.
- 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 at least 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, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Quicksilver Secured Cash Rewards 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.
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.
Luxury travel
The Business Platinum Card® from American Express*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 1x-5x points
Earn 5X points on flights and prepaid hotels booked on AmexTravel.com. Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 1X points on other eligible purchases
- Earns Amex Membership Rewards points
- Various travel credits offered
- Automatic Hilton Honors Gold Status (enrollment required)
- Automatic Marriott Bonvoy Gold Elite Status (enrollment required)
- Numerous luxury travel perks
- Business Platinum Card Concierge
- Foreign transaction fees: None
- $895 annual fee
- Low rewards rate for everyday purchases
- Membership Rewards have low value for nontravel redemptions
The Business Platinum Card® from American Express is similar to the American Express Platinum Card®, but offers a few additional perks that can add to your luxury travel experience.
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.
First year card value: $3,690
Ongoing annual card value: $1,050
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.*Enrollment required for these benefits.
*To see rates & fees for The Business Platinum Card® from American Express, please click here.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
*The information related to the The Business Platinum Card® from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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.
Airline miles
Delta SkyMiles® Gold American Express Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 1x-2x miles
Earn 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases.
- 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 $150.
- 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, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases.First year card value: $878
Ongoing annual card value: $352
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.
- You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Enjoy a $0 introductory annual fee for the first year, then $150.
- Delta SkyMiles® Gold American Express 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.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights
- board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- 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. Enjoy international travel without additional fees on purchases made abroad.
- 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.
*The information related to the Delta SkyMiles® Gold American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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.
Hotels
Hilton Honors American Express Surpass® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel Rewards: 3x-12x points
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 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Hilton Honors Gold status (enrollment required)
- 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
- $150 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 $150 annual fee for Hilton frequenters.
First year card value: $1,974
Ongoing annual card value: $1,224
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 with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Points don’t expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
*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
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
|
Chase Sapphire Preferred® Card*
|
Winner
|
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases | $95 | |
|
Wells Fargo Autograph® Card*
|
No annual fee
|
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. | $0 | |
|
Capital One Venture Rewards Credit Card*
|
International travel
|
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | $95 | |
|
Ink Business Preferred® Credit Card*
|
Business
|
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. | $95 | |
|
Discover it® Miles*
|
Beginners
|
Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles. | 1.5 Miles per dollar on all purchases. | $0 | |
|
American Express Platinum Card®*
|
Lounge access
|
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. Terms apply. | $895 | |
|
Bank of America® Travel Rewards Credit Card for Students*
|
Students
|
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 | 1.5 points per $1 spent on all purchases. | $0 | |
|
Delta SkyMiles® Gold American Express Card*
|
Airline miles
|
You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | Earn 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. | $0 introductory annual fee for the first year, then $150. | |
|
The Business Platinum Card® from American Express*
|
Luxury travel
|
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. | Earn 5X points on flights and prepaid hotels booked on AmexTravel.com. Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 1X points on other eligible purchases | $895 | |
|
Hilton Honors American Express Surpass® Card*
|
Hotels
|
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 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 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. | $150 |
*The information related to the Chase Sapphire Preferred® Card, Wells Fargo Autograph® Card, Capital One Venture Rewards Credit Card, Ink Business Preferred® Credit Card, Discover it® Miles, American Express Platinum Card®, Bank of America® Travel Rewards Credit Card for Students, Delta SkyMiles® Gold American Express Card, The Business Platinum Card® from American Express and 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.
Best travel card offers by bank
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:
| Issuer | Credit card | Welcome offer | Annual fee |
|---|---|---|---|
| American Express travel card | Platinum Card® | You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | $895 |
| Bank of America travel card | Bank of America® Premium Rewards® credit card | 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. | $95 |
| Capital One travel card | Capital One Venture X Rewards Credit Card | Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening. | $395* |
| Chase travel card | Chase Sapphire Preferred® Card | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | $95 |
| Citi travel card | Citi Strata Premier® Card | Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.. | $95 |
| Discover travel card | Discover it® Miles | Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles. | $0 |
| Wells Fargo travel card | Wells Fargo Autograph® Card | Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | $0 |
*To see rates & fees for American Express Platinum Card®, please click here.
*To see rates & fees for Capital One Venture X Rewards Credit Card, please click here.
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.
-
Hotel points
Hotel points are earned with one particular hotel program and can be redeemed for hotel nights with that program like the Hilton Honors American Express Surpass® Card.
-
Business rewards
Business travel cards, like the Ink Business Preferred® Credit Card, let business owners earn rewards to use toward future business travel.
Are travel cards worth it?
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
Examples of co-branded travel credit cards:
- Best American Airlines Credit Cards
- Best United Credit Cards
- Best Southwest Credit Cards
- Best Delta Credit Cards
- Best Marriott Credit Cards
- Best Hyatt Credit Cards
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
- Are good for daily spending
- Offer more flexible ways to redeem rewards
Examples of general travel credit cards:
Loyalty programs
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:
| Loyalty program | Average point/mile value |
|---|---|
| American Express Membership | $0.022 |
| Chase Ultimate Rewards® | $0.02 |
| 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 |
| 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
| Loyalty program | Average point/mile value |
|---|---|
| American Express Membership Rewards | $0.02 |
| Chase Ultimate Rewards® | $0.02 |
| Citi ThankYou® Rewards | $0.018 |
| World of Hyatt | $0.017 |
| Southwest Rapid Rewards | $0.014 |
| Delta SkyMiles | $0.011 |
| United MileagePlus | $0.013 |
| American Airlines AAdvantage | $0.018 |
| Marriott Bonvoy | $0.009 |
| 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.
Rewards credit cards with a long intro APR and no annual fee, like the Citi Double Cash® Card, save you money on interest and fees.
Frequently asked questions
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 American Express Platinum Card®, 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.
The information related to the Wells Fargo Autograph® Card and Bank of America® Travel Rewards Credit Card for Students has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Hilton Honors American Express Surpass® Card, Chase Sapphire Preferred® Card, Wells Fargo Autograph® Card, Capital One Venture Rewards Credit Card, Ink Business Preferred® Credit Card, Capital One Venture X Rewards Credit Card, Discover it® Miles, American Express Platinum Card®, Bank of America® Travel Rewards Credit Card for Students, Capital One Quicksilver Secured Cash Rewards Credit Card, The Business Platinum Card® from American Express, Delta SkyMiles® Gold American Express Card, Bank of America® Premium Rewards® credit card, Citi Strata Premier® Card, Hilton Honors Aspire Card from American Express, Blue Cash Preferred® Card from American Express, Wells Fargo Active Cash® Card, Citi Double Cash® Card and Capital One Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
