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Best Travel Credit Cards of Spring 2019

These are the best travel credit cards of April 2019. Continue below our top picks section for an explanation of each card's benefits and potential drawbacks.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

On Chase's Secure Website

Chase Sapphire Preferred® Card

On Chase's Secure Website
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Annual Fee
$95
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Wells Fargo's Secure Website

Wells Fargo Propel American Express® Card

On Wells Fargo's Secure Website
Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee
$0
*Rates and Fees
APR
16.24% to 27.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On American Express' Secure Website

American Express® Gold Card

On American Express' Secure Website
Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
Annual Fee
$250
*Rates and Fees
APR
See Rates & Fees
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Barclays' Secure Website

Barclaycard Arrival Plus® World Elite Mastercard®

On Barclays' Secure Website
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
Annual Fee
$89 (waived first year)
APR
18.24%, 22.24% or 25.24% variable based on your creditworthiness
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

On Capital One's Secure Website
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee
$0 intro for first year; $95 after that
APR
17.99% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Discover's Secure Website

Discover it® Miles

On Discover's Secure Website
Discover will match ALL the Miles you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Annual Fee
$0
APR
14.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Chase Sapphire Reserve®

On Chase's Secure Website
50,000 bonus points when you spend $4,000 in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Annual Fee
$450
APR
19.24% - 26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Southwest Rapid Rewards® Premier Credit Card

On Chase's Secure Website
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events and more.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events and more.
Annual Fee
$99
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Platinum Delta SkyMiles® Credit Card from American Express

35,000 bonus miles and 5,000 MQMs after spending $1,000 in the first three months of account opening.
  • 2x miles for purchases made with Delta
  • 1x miles on everything else
  • First checked bag free
  • Annual companion certificate for domestic flight
  • 2x miles for purchases made with Delta
  • 1x miles on everything else
  • First checked bag free
  • Annual companion certificate for domestic flight
Annual Fee
$195
*Rates and Fees
APR
17.99% - 26.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

United℠ Explorer Card

On Chase's Secure Website
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
  • Limited time offer! Earn up to 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
  • Limited time offer! Earn up to 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Annual Fee
$0 Intro for First Year, then $95
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Citi's Secure Website

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

On Citi's Secure Website
For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
  • For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Annual Fee
$99, waived for first 12 months*
APR
18.24% - 26.24%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On American Express' Secure Website

The Platinum Card® from American Express

On American Express' Secure Website
Earn 60,000 points after you spend $5,000 on purchases on your new card in your first 3 months
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$550
*Rates and Fees
APR
N/A
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Marriott Bonvoy Brilliant™ American Express® Card

Earn 100,000 bonus points after spending $5,000 on eligible purchases within the first three months of account opening.
  • 6X points on purchases at participating Marriott Bonvoy properties worldwide
  • 3X points on U.S. restaurants and flights booked directly with airlines
  • 2X points on all other purchases
  • Get up to $100 in property credit per stay when you use your Card and a special rate code to book stays of two or more nights at The Ritz-Carlton® or St. Regis® properties
  • $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy properties
  • Complimentary Marriott Bonvoy Gold Elite Status
  • Annual free night award (redemption level at or under 50,000 points) at participating hotels every year after your Card account anniversary
  • Priority Pass membership
  • No foreign transaction fees
  • 6X points on purchases at participating Marriott Bonvoy properties worldwide
  • 3X points on U.S. restaurants and flights booked directly with airlines
  • 2X points on all other purchases
  • Get up to $100 in property credit per stay when you use your Card and a special rate code to book stays of two or more nights at The Ritz-Carlton® or St. Regis® properties
  • $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy properties
  • Complimentary Marriott Bonvoy Gold Elite Status
  • Annual free night award (redemption level at or under 50,000 points) at participating hotels every year after your Card account anniversary
  • Priority Pass membership
  • No foreign transaction fees
Annual Fee
$450
*Rates and Fees
APR
17.24% - 26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Miles for Business

On Capital One's Secure Website
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Earn 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Annual Fee
$0 intro for first year; $95 after that
APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Chase Sapphire Preferred® Card

On Chase's Secure Website
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Annual Fee
$95
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Wells Fargo's Secure Website

Wells Fargo Propel American Express® Card

On Wells Fargo's Secure Website
Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee
$0
*Rates and Fees
APR
16.24% to 27.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On American Express' Secure Website

American Express® Gold Card

On American Express' Secure Website
Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
Annual Fee
$250
*Rates and Fees
APR
See Rates & Fees
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Barclays' Secure Website

Barclaycard Arrival Plus® World Elite Mastercard®

On Barclays' Secure Website
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
Annual Fee
$89 (waived first year)
APR
18.24%, 22.24% or 25.24% variable based on your creditworthiness
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

On Capital One's Secure Website
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee
$0 intro for first year; $95 after that
APR
17.99% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Discover's Secure Website

Discover it® Miles

On Discover's Secure Website
Discover will match ALL the Miles you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Annual Fee
$0
APR
14.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Chase's Secure Website

Chase Sapphire Reserve®

On Chase's Secure Website
50,000 bonus points when you spend $4,000 in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Annual Fee
$450
APR
19.24% - 26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Chase's Secure Website

Southwest Rapid Rewards® Premier Credit Card

On Chase's Secure Website
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events and more.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events and more.
Annual Fee
$99
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Platinum Delta SkyMiles® Credit Card from American Express

35,000 bonus miles and 5,000 MQMs after spending $1,000 in the first three months of account opening.
  • 2x miles for purchases made with Delta
  • 1x miles on everything else
  • First checked bag free
  • Annual companion certificate for domestic flight
  • 2x miles for purchases made with Delta
  • 1x miles on everything else
  • First checked bag free
  • Annual companion certificate for domestic flight
Annual Fee
$195
*Rates and Fees
APR
17.99% - 26.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Chase's Secure Website

United℠ Explorer Card

On Chase's Secure Website
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
  • Limited time offer! Earn up to 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
  • Limited time offer! Earn up to 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Annual Fee
$0 Intro for First Year, then $95
APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent Credit
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Citi's Secure Website

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

On Citi's Secure Website
For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
  • For a limited time: Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Annual Fee
$99, waived for first 12 months*
APR
18.24% - 26.24%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On American Express' Secure Website

The Platinum Card® from American Express

On American Express' Secure Website
Earn 60,000 points after you spend $5,000 on purchases on your new card in your first 3 months
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$550
*Rates and Fees
APR
N/A
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Marriott Bonvoy Brilliant™ American Express® Card

Earn 100,000 bonus points after spending $5,000 on eligible purchases within the first three months of account opening.
  • 6X points on purchases at participating Marriott Bonvoy properties worldwide
  • 3X points on U.S. restaurants and flights booked directly with airlines
  • 2X points on all other purchases
  • Get up to $100 in property credit per stay when you use your Card and a special rate code to book stays of two or more nights at The Ritz-Carlton® or St. Regis® properties
  • $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy properties
  • Complimentary Marriott Bonvoy Gold Elite Status
  • Annual free night award (redemption level at or under 50,000 points) at participating hotels every year after your Card account anniversary
  • Priority Pass membership
  • No foreign transaction fees
  • 6X points on purchases at participating Marriott Bonvoy properties worldwide
  • 3X points on U.S. restaurants and flights booked directly with airlines
  • 2X points on all other purchases
  • Get up to $100 in property credit per stay when you use your Card and a special rate code to book stays of two or more nights at The Ritz-Carlton® or St. Regis® properties
  • $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy properties
  • Complimentary Marriott Bonvoy Gold Elite Status
  • Annual free night award (redemption level at or under 50,000 points) at participating hotels every year after your Card account anniversary
  • Priority Pass membership
  • No foreign transaction fees
Annual Fee
$450
*Rates and Fees
APR
17.24% - 26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

On Capital One's Secure Website

Capital One® Spark® Miles for Business

On Capital One's Secure Website
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Earn 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Annual Fee
$0 intro for first year; $95 after that
APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

1. Chase Sapphire Preferred® Card

Why we like it: The Chase Sapphire Preferred® Card is our top choice for most travelers due to its sign-up bonus, earning potential and affordable annual fee. You'll earn 2 points per dollar on dining and travel purchases and 1 point per dollar on everything else. Plus, you can boost your points earning potential on non-bonus category spend by adding a Chase Freedom Unlimited® to the mix, which will net you 1.5 points per dollar on all purchases.

This card is also a great choice for people looking to get into the world of points and miles. The $95 annual fee isn't outrageously expensive, and you'll be earning flexible points in the form of Chase Ultimate Rewards. Under this rewards program, you'll be able to transfer your points to 13 travel programs, including United and Southwest. Plus, you'll get a 25% bonus when you redeem your points for travel.

Potential deal-breakers: If you can't stomach the thought of paying for the privilege of a credit card, then you'll be better off with a no-fee travel card, like the Wells Fargo Propel American Express® Card or Discover it® Miles. The $95 annual fee is no longer waived for the first year, but the welcome bonus is now 60,000 rather than 50,000 points. However, you'll need to make sure that your regular spending habits allow you to meet the $4,000 spending requirement to earn the welcome bonus.

rewards rates for the Chase Sapphire Preferred credit card
rewards rates for the Chase Sapphire Preferred credit card

2. Wells Fargo Propel American Express® Card

Why we like it: The Wells Fargo Propel American Express® Card is far-and-away the best rewards credit card on the market without an annual fee. It comes with a welcome offer worth up to $300—one of the best we've seen for a no-fee card—and 3X points per dollar on a ton of common spending categories, which include eating out and ordering in; gas, rideshares and transit; flights, hotels, homestays, and car rentals; and popular streaming services. If you spend money on just about anything related to leisure, travel and entertainment, this is a great card for you.

From a travel perspective, the Wells Fargo Propel American Express® Card is the rare card that's equally as rewarding for the international frequent flyer as it is for the casual weekend trekker. The card charges no foreign transaction fees when spending money abroad, which is a huge bonus for a card without an annual fee. Most rewards card without an annual fee charge 3% of the purchase price on foreign transactions.

Potential deal-breakers: If you're looking for premium perks, the Wells Fargo Propel American Express® Card won't provide much value there. It's a great card for earning points on your regular spending, but it doesn't come with lounge access, Global Entry or TSA Pre-Check. As such, if you're a frequent flyer or business traveler who wants these benefits, consider adding a luxury card to your wallet like the Chase Sapphire Reserve® or the The Platinum Card® from American Express if you don't already have one.

rewards rates for the Wells Fargo Propel
rewards rates for the Wells Fargo Propel

3. American Express® Gold Card

Why we like it: The American Express® Gold Card is a travel rewards card designed for foodies. With the card, you'll earn 4X points per dollar at U.S. restaurants and supermarkets (on up to $25,000 in purchases per year), plus 3X points per dollar on flights purchased directly with airlines. If you spend your weekends hitting the top eateries around your state, or if you prioritize going to the best restaurants across the U.S. while on business trips, this is the right choice for you.

Frequent air travelers will also do well with the American Express® Gold Card. It earns 3X points per dollar on plane tickets purchased directly with airlines or through the American Express travel portal. In addition, the card comes with $100 in annual airline fee credits, which you can select to use at one major airline.

Potential deal-breakers: This card only earns 4 points per dollar on restaurants and supermarkets that are in the U.S., which makes it less competitive with the Chase Sapphire Reserve® for international travelers. If you mostly travel within the U.S., this shouldn't be an issue. The American Express® Gold Card does, however, come with zero foreign transaction fees, which is a positive for people who make frequent purchases abroad.

Another consideration for potential applicants is the American Express® Gold Card's $250 annual fee (See Rates & Fees). To get the full value of the card, you should make use of the $10 monthly restaurant credit and $100 airline fee credit (worth up to $220 annually). If you can max out both of those, the annual fee will essentially be $30, which you can make back in rewards with a combined $750 in annual spending on restaurant and supermarket purchases.

For rates and fees of the American Express® Gold Card, please click here.

rewards rates for the Amex Gold
rewards rates for the Amex Gold

4. Barclaycard Arrival Plus® World Elite Mastercard®

Why we like it: With an unlimited 2X miles per dollar on every purchase, the Barclaycard Arrival Plus® World Elite Mastercard® makes our list as the best flat-rate travel card. The card effectively earns a 2.1% rewards rate, given that you'll get 5% of your miles back each time you redeem. This makes the Barclaycard Arrival Plus® World Elite Mastercard® one of the most rewarding flat-rate cards out there, especially with no foreign transaction fees and an annual fee under $100. Plus, you'll get a welcome offer of 70,000 points, worth $700 toward travel, after spending $5,000 in the first three months.

Potential deal-breakers: The $89 annual fee on the Barclaycard Arrival Plus® World Elite Mastercard® likely won't be worth it for people who don't travel internationally. Because there are other cards like the Citi® Double Cash Card that earn 2% back for no annual fee, the $89 per year fee on the Barclaycard Arrival Plus® World Elite Mastercard® essentially pays for the 0% foreign transaction fee benefit. In the long term, considering the 70,000 point welcome offer, the card is best for people with over $3,000 in international expenses per year.

5. Capital One® Venture® Rewards Credit Card

Why we like it: Similar to the Barclaycard Arrival Plus® World Elite Mastercard®, the Capital One® Venture® Rewards Credit Card is another great flat-rate travel card that earns 2 miles per dollar on every purchase. The $95 annual fee is waived the first year, and you won't have to pay any foreign transaction fees. The Capital One® Venture® Rewards Credit Card recently gave cardholders the ability to transfer their points to 12 travel loyalty programs, making this card a serious competitor with the popular Chase Sapphire Preferred® Card.

One of the main draws to the Capital One® Venture® Rewards Credit Card is that it awards 10 miles per dollar to hotel stays booked through hotels.com/venture. If you're a frequent hotel guest and don't want to be limited by the single-program constraint of a co-branded card, the Capital One® Venture® Rewards Credit Card is a great choice.

Potential deal-breakers: As of now, the travel partners Capital One has added to its transfer program aren't as useful for U.S. residents as those of American Express and Chase. While the other issuers give you the option to transfer to programs like Southwest, Delta, United and Marriott, you'll be stuck with international airlines like Alitalia, Cathay Pacific and Etihad if you go with the Capital One® Venture® Rewards Credit Card. The ability to transfer Capital One points to airlines is relatively new, so hopefully the options improve in the near future.

rewards rates for the Capital One Venture credit card
rewards rates for the Capital One Venture credit card

6. Discover it® Miles

Why we like it: Behind the Wells Fargo Propel American Express® Card, the Discover it® Miles is our second favorite no-fee travel card. The card has a straight-forward earning structure and welcome bonus that make it a great card for the casual traveler who prefers simplicity: 1.5 miles per dollar on all purchases, and all of the miles you earn will be matched at the end of the first year.

Potential deal-breakers: The Discover it® Miles doesn't come with any real perks or benefits. Plus, the "miles" this card earns can only be redeemed for travel as statement credit—there are no transfer partners like with other travel cards. If you're looking for perks or the ability to transfer your miles, we suggest going with the Chase Sapphire Preferred® Card, Barclaycard Arrival Plus® World Elite Mastercard® or Capital One® Venture® Rewards Credit Card. Otherwise, this is a good card for beginners.

7. Chase Sapphire Reserve®

Why we like it: The Chase Sapphire Reserve® is a top credit card for travelers who value perks. The card comes with Priority Pass lounge access, Global Entry and TSA Pre-Check fee credits and a $300 annual travel credit. You'll also have great points-earning power with the Chase Sapphire Reserve®: 3X Ultimate Rewards points per dollar on dining and travel worldwide and a 50% points boost when you redeem through the Chase travel portal, which gives you a 4.5% rewards rate in the bonus categories.

Potential deal-breakers: The perks and earning potential of the Chase Sapphire Reserve® come at a cost. Not all travelers can justify paying the $450 annual fee, especially since the pared-down Chase Sapphire Preferred® Card is offered at $95 per year. However, you'll effectively be paying a $150 annual fee if you can use the $300 travel credit each year. This means you'll break even on the card with between $3,000 and $5,000 in combined dining and travel purchases per year, depending on how you redeem your points for travel.

8. Southwest Rapid Rewards® Premier Credit Card

Why we like it: For frequent flyers of Southwest Airlines, the Southwest Rapid Rewards® Premier Credit Card is the best co-branded card with a reasonable annual fee. For $99 per year, you'll earn 2 points per dollar on Southwest purchases and 1 point per dollar on all other purchases. Plus, you'll earn 6,000 anniversary points each year, a $60 value, which lessens the burden of the annual fee. This is a great time to commit to Southwest, as the airline is gearing up to run flights to Hawaii.

Another great reason to get the Southwest Rapid Rewards® Premier Credit Card, or any of the Southwest cards, is the potential to earn a Companion Pass, which allows you to designate someone to travel with you for free on your Southwest itineraries for the remainder of the year in which you earn the pass and the next calendar year. You need to earn 110,000 Rapid Rewards points in a calendar year to qualify, and the welcome offer on this card (40,000 points after spending $1,000 in the first three months) can help you get there.

Potential deal-breakers: This card won't provide much value if you don't use Southwest Airlines. For more flexibility with redeeming your miles, we'd suggest a general travel credit card that lets you transfer your points to multiple airlines. The Southwest Rapid Rewards® Premier Credit Card also won't be worth an application if you're looking to earn the Companion Pass but don't spend enough to earn the 110,000 points. If you're on a budget, go with a no-fee card like the Capital One® Venture® Rewards Credit Card or Wells Fargo Propel American Express® Card.

rewards rates for the Southwest Rapid Rewards credit card
rewards rates for the Southwest Rapid Rewards credit card

9. Platinum Delta SkyMiles® Credit Card from American Express

Why we like it: The Platinum Delta SkyMiles® Credit Card from American Express is a good card for Delta frequent flyers who value their Medallion status. You'll earn 2 points per dollar on Delta purchases, 1 point on everything else, and will benefit from a host of travel perks like an annual companion certificate, free checked bag on each flight, priority boarding and a 20% discount on in-flight Delta purchases. Plus, you can earn up to 20,000 MQMs toward elite status with the card each calendar year: 10,000 for $25,000 in annual spending, and 10,000 more for $50,000 in total annual spending.

Potential deal-breakers: Even if you're a Delta frequent flyer, the $195 annual fee (See Rates & Fees) on the Platinum Delta SkyMiles® Credit Card from American Express can be quite steep. Whether or not the card is worth it primarily depends on how much you value the travel perks and the potential to earn MQMs. If you fly Delta a lot but rarely check bags or make in-flight purchases, you're probably better off with a different card. However, if you're a big spender who values MQMs, then this is a great card for you.

For rates and fees of the Platinum Delta SkyMiles® Credit Card from American Express, please click here.

The information related to the Platinum Delta SkyMiles® Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.  

10. United℠ Explorer Card

Why we like it: The United℠ Explorer Card is one of the strongest co-branded cards with an annual fee under $100. For $95 per year, the card earns 2 miles per dollar on restaurants, hotels and United purchases—most co-branded cards don't give you rewards on both hotel and restaurant spending—plus it offers a comprehensive list of travel benefits. You'll get a Global Entry and TSA Pre-Check fee credit, a free checked bag for you and a travel companion and a 20% discount on in-flight purchases.

Potential deal-breakers: Unlike the Platinum Delta SkyMiles® Credit Card from American Express, this United offering won't help you earn elite status. As such, it's best for the United frequent flyer who cares about perks and points—if you're okay with only redeeming your points with United or other Star Alliance airlines. Otherwise, a flat-rate travel card like the Barclaycard Arrival Plus® World Elite Mastercard® or Capital One® Venture® Rewards Credit Card will be more rewarding.

11. Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Why we like it: The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the rare co-branded airline offering that provides travel perks as well as spending rewards in useful categories. On top of priority boarding, a free checked bag for you and up to four companions and a 25% inflight purchase discount, you'll earn 2 miles per dollar on American Airlines purchases and at gas stations and restaurants.

Potential deal-breakers: Compared to rival offers from United and Delta, this card lacks in the perks department. There's no Global Entry fee credits or points boost toward elite status. However, if you're comparing the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® against general travel cards in the sub-$100 price range, its comes down to how often you fly American. Go with the Barclaycard Arrival Plus® World Elite Mastercard®, Chase Sapphire Preferred® Card or Capital One® Venture® Rewards Credit Card if you won't take advantage of the in-flight discounts and free checked bags.

12. The Platinum Card® from American Express

Why we like it: The Platinum Card® from American Express is the ultimate luxury travel credit card, and it comes with a list of premium perks that justify its stellar reputation. For starters, you'll earn an industry-leading 5X points per dollar on hotels booked on amextravel.com and on flights. You'll also benefit from $200 total in annual Uber credits, a $200 airline fee credit, a Global Entry or TSA Pre-Check fee credit and access to the Amex Global Lounge Collection—which includes 1,200 airport lounges.

Potential deal-breakers: The $550 (See Rates & Fees) annual fee matches the list of perks. If you can max out the Uber and airline fee credits each year, then the effective annual cost of the card is $150. Regardless, $550 is a substantial sum to pay upfront every year. As such, you should only commit to this card if it's within your budget, and you know that you can use the credits and travel benefits with your current lifestyle.

Keep in mind that this is a charge card, which means that you need to pay your balance in full every month. If you can't afford or justify the price tag, consider as alternatives the American Express® Gold Card and Chase Sapphire Reserve®, which has a more useful $300 annual travel credit.

For rates and fees of the The Platinum Card® from American Express, please click here.

13. Marriott Bonvoy Brilliant™ American Express® Card

Why we like it: With the recent merger between Marriott, Starwood and Ritz-Carlton, the Marriott Bonvoy brand is now home to hundreds of attractive properties. With the Marriott Bonvoy Brilliant™ American Express® Card, you'll earn 6 points per dollar for purchases at eligible Bonvoy properties, 3 points per dollar at U.S. restaurants and on flights booked directly with airlines and 2 points per dollar on everything else. The card also comes with a free night award, complementary gold elite status and a $300 annual Marriott Bonvoy statement credit.

Potential deal-breakers: This card is purely designed for Marriott loyalists, as the $450 annual fee (see rates & fees) is prohibitive for most. The purpose of this card is to earn Marriott points and get benefits at Marriott hotels, so there's no real value for the casual traveler. If you often stay at hotels but aren't committed to one brand, consider the Capital One® Venture® Rewards Credit Card for its 10X miles on stays booked through hotels.com/venture.

The information related to the Marriott Bonvoy Brilliant™ American Express® Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.  

14. Capital One® Spark® Miles for Business

Why we like it: The Capital One® Spark® Miles for Business is our top travel card for small business owners for its simple and rewarding earning structure: you'll earn 2X miles on everything, with no cap on the number of miles you can earn. You can also boost your earning potential by getting free cards for your employees. Miles can be redeemed as statement credit or transferred to Capital One's travel partners.

Potential deal-breakers: The Capital One® Spark® Miles for Business comes with a $95 annual fee and not a whole lot in the way of perks. If your business spends under $50,000 per year, consider the no-fee The Blue Business℠ Plus Credit Card from American Express, which earns 2X Amex Membership Rewards points on up to $50,000 per year. With its $95 per year price tag, the Capital One® Spark® Miles for Business will only earn you more than the The Blue Business℠ Plus Credit Card from American Express once your spending exceeds roughly $60,000 annually.

Summary of the Best Rewards Credit Cards

What Is the Best Credit Card for Travel?

Pros

  • Spending rewards on your purchases, plus welcome bonus for meeting a spending requirement
  • Travel perks like free checked bags, airport lounge access or free hotel nights
  • Redeem your rewards for flights, hotel stays and other travel expenses

Cons

  • Premium travel cards can have annual fees ranging from $95 to $550
  • With a co-branded card, you can only redeem rewards with one airline or hotel chain
  • The APRs on travel cards mean you'll be paying expensive interest charges if you carry a balance

If you're new to the world of travel credit cards and rewards, the first thing to know is that there are options for a variety of profiles. For the infrequent traveler who makes the occasional cross-country trip to visit family, there are no-fee cash back options. A business traveler who makes monthly stays at Marriott properties might prefer a co-branded hotel card, and an ultra-frequent international flyer would benefit most from a travel rewards card that earns points that can be transferred to different airlines.

One important decision to make when choosing your travel card is whether to get one that earns cash back, transferable points or program-specific rewards. Cards that earn cash back or transferable points are best for people who have unpredictable travel or who prefer flexibility. For those who always fly with the same airline or stay at the same hotel chain, a co-branded card that earns points within one loyalty program may be the right choice.

Ultimately, the best travel credit card for you will depend on your spending profile and frequency of travel. It's important to note that cards with the most travel benefits and highest rewards potential have annual fees that start around $100. You can determine whether this is worth it for you based on how much you spend and how often you'd use a perk like Global Entry or airport lounge access. You can also see how cards perform for your budget by using our comparison tool.

Yowana Wamala

Yowana is a product analyst at ValuePenguin, specializing in credit cards and rewards programs. He previously covered mortgages and banking for the website before graduating from Columbia University with a B.A. in Political Science.

Comments and Questions

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Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).