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Top travel credit cards for students of 2022

If you're a college student in the midst of planning your summer vacation or a semester abroad — or an international student in the U.S. planning to travel back home for the summer — you may be wondering if it's time to apply for a travel credit card. There are a lot of advantages to owning a travel credit card:

  • A lower risk of theft and fraud thanks to the fraud protection that comes with most credit cards
  • Earning rewards or cash back on your travel purchases
  • Travel insurance, including car rental protection that can cover you in case of an accident
  • Better exchange rates than you get with cash, a debit card or an ATM withdrawal (if you use a card with no foreign transaction fee)

Applying for a credit card with a limited or non-existent credit history can be daunting. Based on our research of cards available on ValuePenguin, as well as cards offered by major issuers, we've picked some of the top travel credit cards for students with limited (and less limited) histories, plus some tips for applying and using your card.

Compare the best travel credit cards for students in 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Overall
Bank of America® Travel Rewards Credit Card for Students
Bank of America® Travel Rewards Credit Card for Students
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account openingSee website for details$0
Not available on ValuePenguin
No credit history
Deserve® EDU Mastercard for Students
Deserve<sup>®</sup> EDU Mastercard for Students
Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements0 - 850$0
Apply Now
On Deserve's Secure Website
Cash back
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
Earn $100 when you spend $100 in the first three months0 - 660$0
Not available on ValuePenguin
Compare all cards

Welcome Offer

25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening
Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements

Credit Score Needed

See website for details
0 - 850

Annual Fee

$0
$0
Not available on ValuePenguin
Apply Now
On Deserve's Secure Website

Best international credit card for students

Bank of America® Travel Rewards Credit Card for Students

Generic art
Not available on ValuePenguin

25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening

$0

16.24% to 26.24% variable

See website for details

  • Intro 0% APR for 18 billing cycles on purchases, then 16.24% to 26.24% variable APR
  • $0 annual fee
  • 25,000 online bonus points offer

  • Excellent initial welcome offer
  • Solid return on all of your spending
  • $0 annual fee
  • Your rewards aren't worth as much if you redeem for gift cards or cash
  • You can only redeem rewards if you have at least 2,500 rewards points

The Bank of America® Travel Rewards Credit Card for Students is one of the best options for students seeking to travel internationally with a credit card. Bank of America allows you to add a PIN to the card, making it easier to use in international terminals that require EMV chips and PINs.

The card also charges a 0% foreign transaction fee — sparing you bundles of fees for using it on your travels. Furthermore, it offers an exceptional rewards program for a card targeted to students with limited credit histories, including a generous sign-up bonus and unlimited points on every dollar that you spend. You can use those points to fund future trips.

  • earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
  • 0% foreign transaction fee
  • Chip and PIN technology for use in international terminals

Best travel credit card for students with no credit history

Deserve® EDU Mastercard for Students

On Deserve's Secure Website

Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements

$0

20.99% Variable

0 - 850

  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

  • 1% unlimited cash back on ALL purchases
  • Free Amazon Prime Student for one year
  • Cell phone protection
  • No annual fee or foreign transaction fees
  • International students do not need an SSN to apply
  • No initial rewards bonus
  • Higher than average variable APR

The Deserve® EDU Mastercard for Students is a great option for international students because it's one of the easiest options to qualify for. You can prequalify for the card in a few seconds with no impact to your credit score. Plus, the card doesn't require a Social Security number to apply, which means that international students who are new to the United States and haven't established an SSN or a credit history are eligible for the card.

Although there's no traditional sign-up bonus, cardholders can receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve® EDU Mastercard for Students (Lifetime Value of $59). Even better, the card comes with no foreign transaction fees. It also offers the ability to earn rewards: 1% unlimited cash back on ALL purchases.

  • 1% unlimited cash back on ALL purchases
  • Foreign transaction fees: None

Best travel credit card for students with cash back

Capital One Quicksilver Student Cash Rewards Credit Card

Generic art
Not available on ValuePenguin

Earn $100 when you spend $100 in the first three months

$0

16.49% - 26.49% (Variable)

0 - 660

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Pick the monthly due date that works best for you
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

  • Sign-up bonus
  • Solid 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • $0 annual fee
  • Foreign transaction fees: None
  • Exclusively for students

The Capital One Quicksilver Student Cash Rewards Credit Card is a great cash back option for students because of the high amount of cash back it offers on every purchase: 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). This means that you don't have to worry about where you're using the card, since all purchases earn rewards.

The Capital One Quicksilver Student Cash Rewards Credit Card is marketed toward students and only requires a fair credit score, meaning you can apply with less-than-perfect credit. And it has a $0 annual fee, making it a great fit for students on a budget.

  • Foreign transaction fees: None
  • Travel accident insurance
  • 24-hour travel assistance services

Best travel credit card for students for dining out

Capital One SavorOne Student Cash Rewards Credit Card

Generic art
Not available on ValuePenguin

Earn $100 when you spend $100 in the first three months

$0

16.49% - 26.49% (Variable)

0 - 660

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Pick the monthly due date that works best for you
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

  • 3% cash back on spending in several different categories
  • $0 annual fee
  • Foreign transaction fees: None
  • Very high variable APR interest rate
  • Exclusively for students

The Capital One SavorOne Student Cash Rewards Credit Card is one of the best options for students who love both dining out and dining in, because of its rewards on food purchases. You'll earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats. You'll also still earn 1% cash back on all of your other purchases. Depending on your spending habits, you may come out ahead of a card like the Capital One Quicksilver Student Cash Rewards Credit Card that earns the same rate on every purchase.

The Capital One SavorOne Student Cash Rewards Credit Card also has a $0 annual fee and no foreign transaction fees, making it a great option for budget-conscious students.

  • Foreign transaction fees: None
  • Travel accident insurance
  • 24-hour travel assistance services
  • Can use rewards for statement credits to offset travel or other purchases

Best travel credit card for students promoting good credit practices

Journey Student Rewards from Capital One

Generic art
Not available on ValuePenguin

No bonus

$0

26.99% (Variable)

0 - 660

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use

  • No annual fee or foreign transaction fees
  • Earns 1% cash back or more on all purchases
  • Additional cash back bonus each month when you pay on time
  • Relatively high APR
  • Must be a student to apply

The Journey Student Rewards from Capital One has a number of features that promote good credit habits, including its free CreditWise service and a bonus for making timely payments. You earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, you get a 25% boost on your 1% earning rate when you pay your bill on time.

The card also features good travel benefits, such as a no foreign transaction fee and car rental insurance, making it a good travel companion. One drawback: The card's APR is on the high side at 26.99% (Variable), so you'll need to make sure you don't charge more than you can afford to pay off.

  • 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Foreign transaction fees: None
  • Car rental insurance
  • 24-hour travel assistance services
  • Travel accident insurance

Best travel credit card for students with good credit

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

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

$95

17.49% - 25.49% (Variable)

660 - 850

  • 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
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

  • Outstanding welcome offer
  • Excellent earnings on everyday spending
  • None foreign transaction fees
  • Credit for TSA Precheck/Global Entry
  • Flexible miles
  • $95 annual fee
  • Requires 660 - 850 credit to be approved

If you already have a solid credit history, Capital One's flagship Capital One Venture Rewards Credit Card is one of the best travel credit card options. That's because it offers some of the best rewards for a card in its niche: You'll get a large sign-up bonus, and you'll also earn unlimited 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 you make with your card.

Each of your Venture miles can be used for 1 cent toward travel purchases, either through the Capital One travel portal or as statement credits to erase travel purchases made elsewhere. You can also transfer your Venture miles to Capital One's hotel and airline transfer partners, where you might be able to get even more value. If you're a frequent flier, you might also enjoy the two complimentary visits to a Capital One airport lounge or the statement credit for getting Global Entry or TSA Precheck.

  • Unlimited miles on every purchase
  • Transfer miles to Capital One's hotel and airline transfer partners
  • 2 complimentary visits to a Capital One airport lounge
  • Up to $100 statement credit for TSA Precheck or Global Entry
  • Foreign transaction fees: None
  • Auto Rental Collision Damage Waiver


Best travel credit card for students with excellent credit

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. That's $750 when you redeem through Chase Ultimate Rewards®.

$95

18.24% - 25.24% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Earns transferable points

  • Excellent initial sign-up bonus
  • $0 foreign transaction fees
  • Exceptionally flexible points worth a large amount of travel, depending how you redeem them
  • Great travel insurance benefits
  • $95 annual fee
  • Requires 720 - 850 credit

While most of the cards in this list are targeted to cardholders with limited credit histories, some college students already have a strong credit record. If you're a student ready to step up your travel rewards card game, we have a great card for you: The Chase Sapphire Preferred® Card.

Between generous rewards, extraordinarily flexible redemption options and other great perks like primary car rental insurance, this card will likely give students the most value of any travel card.

  • 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
  • $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®
  • 25% travel redemption bonus when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®
  • Transfer points to 10+ hotel and airline programs, including Southwest and United
  • $0 foreign transaction fees
  • Primary rental car insurance
  • Up to $20,000 of trip cancellation/interruption insurance

Best secured travel credit card for students

Capital One Platinum Secured Credit Card

Generic art
Not available on ValuePenguin

No bonus

$0

26.99% (Variable)

0 - 600

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • 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
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

  • $0 annual fee
  • Foreign transaction fees: None
  • May be available even if your credit is less than perfect
  • Automatic credit line reviews
  • Can help you rebuild your credit
  • Requires a deposit to be put down before you can use the card

If you can't qualify for a regular student credit card, and you're looking for a good secured card for travel, check out the Capital One Platinum Secured Credit Card. For a reasonable deposit as low as $49, you get a no-annual-fee card that's a good fit for international travel, because it has no foreign transaction fees.

If you want to increase your initial credit limit, you can put down additional funds as well. With on-time payments, you can get your deposit back and potentially be upgraded to an unsecured credit card.

  • Foreign transaction fees: None
  • Emergency card replacement

Best Chase travel credit card for students with no credit history

Chase Freedom® Student credit card

On Chase's Secure Website

$50 Bonus after first purchase made within the first 3 months from account opening

$0

17.24% Variable

660 - 850

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Free credit score with Chase Credit Journey

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn cash back on every purchase, plus $20 annual Good Standing rewards
  • $0 annual fee
  • Only available to students
  • Charges a foreign transaction fee of 3% of each transaction in U.S. dollars

The Chase Freedom® Student credit card is an excellent choice for students without a credit history. The card allows you to both build credit and earn rewards while learning to make on-time payments. Chase will consider you for a credit limit increase if you make five on time payments within the first 10 months. You'll also build a relationship with Chase Bank, which can allow you to obtain other, more lucrative Chase credit cards once you've built sufficient credit history. Travel protections, a decent welcome bonus and $0 annual fee increase make this card a no-brainer for students.

  • Use your card for airfare and enjoy automatic trip cancellation/interruption insurance on up to $1,500 per person and $6,000 per trip for covered prepaid expenses.
  • Book travel directly through Chase Travel using your accumulated rewards points, including flights, rental cars, hotels and even cruises.

How to apply for a student travel credit card

Applying for a credit card with a limited or no credit history is a challenging task that's likely to lead to a few rejections on your first try. Here are some pointers to help you improve your odds of approval:

Find a card that matches your credit range

Before you start applying for credit cards, use a free service to find out what your credit score is. You should look for credit cards that accept users within your credit score range. According to FICO, scores are delineated by the following ranges:

  • Poor: < 580
  • Fair: 580-669
  • Good: 670-739
  • Very Good: 740-799
  • Exceptional: 800+

You generally need to be a student to qualify for a card marketed as a student card. For example, Capital One defines "student" as anyone currently enrolled, or admitted and planning to enroll in the next three months, at an accredited university, community college or other higher education institution.

Look for alternative credit card products

Some issuers such as Deserve use alternative data in the application process to boost the approval odds for cardholders with limited credit histories. Some will even allow you to apply without a Social Security number.

Choose a bank you have a relationship with

Top credit cards from some of the largest banks:

If you already have a banking relationship with an issuer, they're more likely to approve you for one of their products. Try applying in-person through a branch. The bank manager may be able to help you with your application and can help you call the reconsideration line if you aren't approved.

Ensure that your credit card application is complete

Credit card issuers want to ensure that you have enough income to cover your charges, so make sure to include as much information as you can on your assets and sources of income.

Don't apply for too many cards at once

When trying to qualify for your first credit card, it's tempting to spam out credit card applications — but you should avoid doing so. Sending many credit card applications at once sends out a big red flag to issuers and will negatively impact your credit score, lowering your odds of getting approved for a credit card. You should carefully select the cards that you want to apply for and make sure you meet the card's criteria.

Check for prequalified offers

Some issuers provide forms on their sites that will inform you if you're prequalified for an offer. While there's no guarantee that you'll be accepted once you apply, prequalification can lower your odds of being declined for a credit card and won't impact your credit score.

Become an authorized user before you apply

You should also see if a close family member — your parents or a spouse — would be willing to add you as an authorized user to one of their credit cards. If the card's issuer reports authorized user accounts to credit agencies, the full history of the card may appear on your credit report once you are added. An authorized user account on a card with a long history of timely payments can significantly boost your credit score and pad out your credit history.

What should a college student put for income on a credit card application?

If you're under 21 years old, the CARD Act of 2009 says that you may not be approved for a credit card unless you have a cosigner or proof of sufficient income. The CFPB says that you can include any money as income that you reasonably have access to. This could include income from other people deposited into your joint account or an allowance that is regularly transferred to you.

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How to choose a student credit card for travel

When searching for a travel credit card, you should use the following criteria to ensure that you have a practical card that won't end up costing you in fees:

How large is the issuer's network, and will you be able to easily use the card where you're traveling? Certain issuers — like American Express and Discover — have limited acceptance outside of the U.S.

Does the card charge a 2% to 3% fee for purchases abroad? If you plan to travel outside the U.S., you should search for a card that doesn't charge foreign transaction fees.

Does the card let you add a PIN for international travel? In many countries in Europe, cards with EMV chips and PINs are often required in self-service terminals (e.g., to purchase tickets at a subway station). Cards with PINs are rare in the U.S., but if you can locate one, your card will be more practical abroad.

Does the card offer cash back or points on your purchases? Look for a card with travel-friendly bonus categories, such as dining or airfare, to earn more rewards on your travels — possibly enough for a future vacation.

Beyond rewards and broad acceptance, does the card offer any travel protections? Car rental insurance is a common — and valuable — benefit. You can waive the rental car agency's insurance and, if the card offers primary rental car insurance, you can possibly avoid reporting an accident to your personal insurance.

Tips for using your card for travel

  • Notify your card issuer that you're leaving the country to avoid having your account frozen while you are traveling.
  • Bring multiple forms of payment and a backup credit card or two, if possible.
  • If you are traveling to a country where chip and PIN is the standard, see if your issuer will allow you to add a PIN to your credit card.
  • Keep a record of your card numbers and your issuer's phone number in case you lose your cards.
  • Opt for credit card charges in the local currency to get a better exchange rate.
  • For that matter, if your card doesn't charge a foreign transaction fee, consider keeping all your expenses on your card. You're likely to get a better exchange rate, plus you can take advantage of the card's fraud protections.
  • Unless it's an emergency, avoid using your card for a cash advance, which can cost you a pretty penny in fees and interest.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best student travel credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

The information related to Bank of America® Travel Rewards Credit Card for Students, Capital One Quicksilver Student Cash Rewards Credit Card, Capital One SavorOne Student Cash Rewards Credit Card, Journey Student Rewards from Capital One and Capital One Platinum Secured Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).