10 Best Travel Credit Cards of July 2021

10 Best Travel Credit Cards of July 2021

Our favorite card for travel is the Chase Sapphire Preferred® Card, because it earns flexible, valuable points that are useful to most travelers and it offers a great suite of travel protections.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Best travel credit cards 2021

Best for points:

Chase Sapphire Reserve®

  • 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.

Best for beginners:

Capital One Venture Rewards Credit Card

  • On Capital One's Secure Website
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel

Best for $0 annual fee:

Hilton Honors American Express Card

Limited Time Offer: 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021. Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.

Most people want to travel more, but few take advantage of the fact that the right travel credit card can make that possible. The best travel credit cards make trips both local and abroad more comfortable, and they can also help you earn free flights, hotels and more.

In the page below, we've surveyed the best travel credit cards, airline cards and hotel cards for different types of cardholders. Whatever your habits and preferences, you'll find the best travel credit card for your needs on this list.

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 rewards 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.

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Best credit card for international travel

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

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ValuePenguin's verdict

The best credit card for international travel is the Chase Sapphire Preferred® Card. It's hard to beat the value and flexibility you get with the Chase Sapphire Preferred® Card — our pick for the best travel rewards credit card. The points are worth 1.25 cents each when redeemed through the Chase Ultimate Rewards® portal. You can also transfer them at a 1:1 rate to any of the Chase Ultimate Rewards transfer partners, which could potentially squeeze even more than $1,600 in value out of the bonus.

What really makes this the best travel credit card for international trips are its travel insurance benefits, which are some of the most robust we've seen for a card with an annual fee in this range. These include trip cancellation and interruption insurance, trip delay reimbursement, travel accident insurance, and delayed and lost baggage insurance. You'll also get primary rental car insurance, which means you don't have to make a claim with your personal policy in order to receive coverage from your credit card.

Coronavirus updates. Until Sept. 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

  • Generous welcome bonus worth $1,000 in travel when redeemed through Chase Ultimate Rewards portal and possibly more with a Chase transfer partner
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide — making it the best credit card for travel points
  • Points are worth 25% more when redeemed through the Ultimate Rewards® portal
  • Transfer points at a 1:1 rate to popular airline and hotel rewards programs
  • Partner benefits with DoorDash and Lyft
  • Extensive trip insurance benefits
  • $0 foreign transaction fee
  • Until Dec. 31, 2021, earn 5X points on Peloton purchases (up to $1,800 in purchases) and get back up to $60 on an eligible Peloton Digital or All-Access Membership to get full access to workout classes using your phone, tablet or TV.
  • $95 annual fee
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22.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EOur best offer ever! 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Activate by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003ECount on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\u003C\/li\u003E\u003Cli\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\/31\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. 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For example, 100,000 points are worth $1,250 toward travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\\\/31\\\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4288.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_travel_best-travel-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\\u00ae.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe best credit card for international travel is the Chase Sapphire Preferred\u00ae Card. It's hard to beat the value and flexibility you get with the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card: Does It Live Up To The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E \u2014 our pick for the best travel rewards credit card. The points are worth 1.25 cents each when redeemed through the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E portal. You can also transfer them at a 1:1 rate to any of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003EChase Ultimate Rewards transfer partners\u003C\/a\u003E\u003C\/span\u003E, which could potentially squeeze even more than $1,600 in value out of the bonus.\u003C\/p\u003E\n\n\u003Cp\u003EWhat really makes this the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"9 Best Credit Cards for International Travel of May 2021\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-credit-cards-international-travel\"\u003Ebest travel credit card for international trips\u003C\/a\u003E\u003C\/span\u003E are its \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Card Travel Insurance for Chase, Amex and Capital One\" href=\"https:\/\/www.valuepenguin.com\/travel\/credit-card-travel-insurance-who-and-whats-covered\"\u003Etravel insurance benefits\u003C\/a\u003E\u003C\/span\u003E, which are some of the most robust we've seen for a card with an annual fee in this range. These include trip cancellation and interruption insurance, trip delay reimbursement, travel accident insurance, and delayed and lost baggage insurance. You'll also get \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Cards With Primary Rental Car Insurance\" href=\"https:\/\/www.valuepenguin.com\/travel\/credit-cards-primary-rental-car-insurance\"\u003Eprimary rental car insurance\u003C\/a\u003E\u003C\/span\u003E, which means you don't have to make a claim with your personal policy in order to receive coverage from your credit card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoronavirus updates.\u003C\/strong\u003E Until Sept. 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus worth $1,000 in travel when redeemed through Chase Ultimate Rewards portal and possibly more with a Chase transfer partner\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide \u2014 making it the best credit card for travel points\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points are worth 25% more when redeemed through the Ultimate Rewards\u00ae portal\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer points at a 1:1 rate to popular airline and hotel rewards programs\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Partner benefits with DoorDash and Lyft\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Extensive trip insurance benefits\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until Dec. 31, 2021, earn 5X points on Peloton purchases (up to $1,800 in purchases) and get back up to $60 on an eligible Peloton Digital or All-Access Membership to get full access to workout classes using your phone, tablet or TV.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card for travel miles

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

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

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ValuePenguin's verdict

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is the best credit card for airline miles, not only because of a hefty sign-up bonus, but also because it's one of very few airline cards to offer bonus rewards on such a broad range of everyday spending categories.

This card does come with an annual fee $99, waived for first 12 months, but if you tend to fly American Airlines, the money you save on American Airlines baggage fees might be enough to recoup the fee. This is particularly true if you're a fan of the American Airlines AAdvantage frequent-flyer program, as the miles you earn with this card should only be redeemed for flights on American Airlines and partner airlines. If you're not ready to pledge loyalty to this airline and you're not looking specifically for the best miles credit card, it might be wiser to opt for a more generic travel credit card.

  • Generous welcome bonus
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases
  • First checked bag free on domestic flights and preferred boarding with American Airlines
  • Get a $125 American Airlines discount certificate each year you spend $20,000 and renew your card
  • 0% foreign transaction fee
  • $99, waived for first 12 months
  • The free checked bag benefit is limited to domestic flights, making this card less valuable if you tend to fly internationally
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 50,000 American Airlines AAdvantage\u00ae bonus miles after $2,500 in purchases within the first 3 months of account opening\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 50,000 American Airlines AAdvantage\\u00ae bonus miles after $2,500 in purchases within the first 3 months of account opening\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/platinum-select-aadvantage-world-mastercard\"\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E is the best credit card for airline miles, not only because of a hefty sign-up bonus, but also because it's one of very few airline cards to offer bonus rewards on such a broad range of everyday spending categories.\u003C\/p\u003E\n\n\u003Cp\u003EThis card does come with an annual fee $99, waived for first 12 months, but if you tend to fly \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Everything You Need to Know About American Airlines AAdvantage\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-airlines-aadvantage\"\u003EAmerican Airlines\u003C\/a\u003E\u003C\/span\u003E, the money you save on \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"A Guide to American Airlines Bag Fees\" href=\"https:\/\/www.valuepenguin.com\/travel\/guide-american-airlines-bag-fees\"\u003EAmerican Airlines baggage fees\u003C\/a\u003E\u003C\/span\u003E might be enough to recoup the fee. This is particularly true if you're a fan of the American Airlines AAdvantage frequent-flyer program, as the miles you earn with this card should only be redeemed for flights on American Airlines and partner airlines. If you're not ready to pledge loyalty to this airline and you're not looking specifically for the best miles credit card, it might be wiser to opt for a more generic travel credit card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 2 AAdvantage\u00ae miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n First checked bag free on domestic flights and preferred boarding with American Airlines\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get a $125 American Airlines discount certificate each year you spend $20,000 and renew your card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $99, waived for first 12 months\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The free checked bag benefit is limited to domestic flights, making this card less valuable if you tend to fly internationally\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card for travel points

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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ValuePenguin's verdict

The Chase Sapphire Reserve® is often hyped as the best credit card for travel points, and for good reason. The slew of premium benefits that come with it more than make up for a hefty annual fee if you travel regularly, and Chase Ultimate Rewards points are both valuable (worth at least 1.5 cents each for Chase Sapphire Reserve® cardholders) and highly versatile.

The annual Chase Sapphire Reserve® travel credit of $300 — which can be applied to any purchase that codes as travel, including everything from airlines and hotels to trains, buses, taxis and parking garages — brings the annual fee down to $250. The Priority Pass™ Select membership alone, which gets you complimentary access to 1,300+ airport lounges worldwide, is worth over $400. When it comes to trip insurance benefits, the coverage offered by this card — which includes primary rental car insurance, trip interruption and cancellation insurance, lost or delayed baggage insurance, travel accident insurance, emergency evacuation and emergency medical insurance — simply can't be beat.

Coronavirus updates. Until Sept. 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities. Gas station and grocery store purchases count toward the $300 annual travel credit until Dec. 31, 2021.

  • Generous welcome bonus
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.
  • Points are worth 50% more when redeemed through the Ultimate Rewards® portal
  • Transfer points at a 1:1 rate to popular airline and hotel rewards programs
  • $300 annual travel credit
  • Up to $120 in DoorDash credits
  • Complimentary access to 1,300+ airport lounges worldwide
  • One of the best travel insurance credit cards, as it offers emergency evacuation and emergency medical insurance
  • $0 foreign transaction fee
  • Until Dec. 31, 2021, earn 10X points on Peloton purchases (up to $1,800 in purchases) and get back up to $120 in statement credits for an eligible Peloton Digital or All-Access Membership to take workout classes using a phone, tablet or TV.
  • $550 annual fee
  • Doesn't offer elite status with any airline or hotel rewards programs
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EChase Sapphire Reserve\u00ae\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1129?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Chase Sapphire Reserve\u00ae\"\u003E\u003Cimg alt=\"Chase Sapphire Reserve\u00ae\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4335.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1129?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$550\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E16.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003E$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit\u003C\/li\u003E\u003Cli\u003E3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases\u003C\/li\u003E\u003Cli\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards\u00ae. For example, 60,000 points are worth $900 toward travel\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories\u003C\/li\u003E\u003Cli\u003E1:1 point transfer to leading airline and hotel loyalty programs\u003C\/li\u003E\u003Cli\u003EAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass\u2122 Select and up to $100 application fee credit for Global Entry or TSA Pre\u2713\u00ae\u003C\/li\u003E\u003Cli\u003ECount on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$550\",\"apr\":\"16.99%-23.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003E$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit\\u003C\\\/li\\u003E\\u003Cli\\u003E3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards\\u00ae. For example, 60,000 points are worth $900 toward travel\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories\\u003C\\\/li\\u003E\\u003Cli\\u003E1:1 point transfer to leading airline and hotel loyalty programs\\u003C\\\/li\\u003E\\u003Cli\\u003EAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass\\u2122 Select and up to $100 application fee credit for Global Entry or TSA Pre\\u2713\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1129?url=_travel_best-travel-credit-cards\",\"name\":\"Chase Sapphire Reserve\\u00ae\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-reserve-credit-card\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E is often hyped as the best credit card for travel points, and for good reason. The slew of premium benefits that come with it more than make up for a hefty annual fee if you travel regularly, and Chase Ultimate Rewards points are both valuable (worth at least 1.5 cents each for Chase Sapphire Reserve\u00ae cardholders) and highly versatile.\u003C\/p\u003E\n\n\u003Cp\u003EThe annual \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How does the Chase Sapphire Reserve\u00ae travel credit work?\" href=\"https:\/\/www.valuepenguin.com\/travel\/chase-sapphire-reserve-travel-credit\"\u003EChase Sapphire Reserve\u00ae travel credit of $300\u003C\/a\u003E\u003C\/span\u003E \u2014 which can be applied to any purchase that codes as travel, including everything from airlines and hotels to trains, buses, taxis and parking garages \u2014 brings the annual fee down to $250. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Get Free or Discounted Priority Pass with a Credit Card\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-get-priority-pass-for-free\"\u003EPriority Pass\u2122 Select membership\u003C\/a\u003E\u003C\/span\u003E alone, which gets you complimentary access to 1,300+ airport lounges worldwide, is worth over $400. When it comes to trip insurance benefits, the coverage offered by this card \u2014 which includes primary rental car insurance, trip interruption and cancellation insurance, lost or delayed baggage insurance, travel accident insurance, emergency evacuation and emergency medical insurance \u2014 simply can't be beat.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoronavirus updates\u003C\/strong\u003E. Until Sept. 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities. Gas station and grocery store purchases count toward the $300 annual travel credit until Dec. 31, 2021.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points are worth 50% more when redeemed through the Ultimate Rewards\u00ae portal\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer points at a 1:1 rate to popular airline and hotel rewards programs\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $300 annual travel credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $120 in DoorDash credits\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Complimentary access to 1,300+ airport lounges worldwide\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n One of the best travel insurance credit cards, as it offers emergency evacuation and emergency medical insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until Dec. 31, 2021, earn 10X points on Peloton purchases (up to $1,800 in purchases) and get back up to $120 in statement credits for an eligible Peloton Digital or All-Access Membership to take workout classes using a phone, tablet or TV.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $550 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Doesn't offer elite status with any airline or hotel rewards programs\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card for hotel points

Hilton Honors American Express Aspire Card

Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

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ValuePenguin's verdict

It's hard to find another hotel credit card with a list of perks as long as what you'll get with the Hilton Honors American Express Aspire Card. In exchange for a relatively steep annual fee, you'll get a $600 in annual statement credits and a complimentary Priority Pass™ Select membership, which is worth over $400 (enrollment required). You'll also get Diamond status with the Hilton Honors rewards program, making this the only credit card to offer top-tier status automatically to any hotel loyalty program (enrollment required).

The card's earn rate is generous not just on Hilton spend, but on everyday categories like U.S. restaurants and even on regular spending. That being said, this card is best for people who are Hilton-loyal and can use up the annual credits on offer, as they can only be applied to very specific purchases.

  • Six-figure welcome bonus
  • 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort
  • Annual weekend night reward
  • Up to $250 Hilton Resort statement credit
  • Up to $250 airline fee credit
  • Up to $100 property credit at participating Waldorf Astoria and Conrad Hotels & Resorts
  • Complimentary Diamond elite status (enrollment required)
  • Complimentary access to 1,300+ airport lounges worldwide (enrollment required)
  • Foreign transaction fees: None
  • Terms apply
  • $450 annual fee
  • Limited redemption options; points are best redeemed for stays with Hilton
  • Fewer trip insurance benefits than other premium travel credit cards; card only comes with baggage insurance and secondary rental car insurance
  • Annual credits can be hard to use, especially if you don't stay at Hilton Resorts, Waldorf Astoria, or Conrad properties
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EHilton Honors American Express Aspire Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EIt's hard to find another hotel credit card with a list of perks as long as what you'll get with the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Aspire Card: Is It Worth $450?\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-hilton-honors-aspire-credit-card\"\u003EHilton Honors American Express Aspire Card\u003C\/a\u003E\u003C\/span\u003E. In exchange for a relatively steep annual fee, you'll get a $600 in annual statement credits and a complimentary Priority Pass\u2122 Select membership, which is worth over $400 (enrollment required). You'll also get \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Diamond Status 2021: Attainable for Hilton Loyalists\" href=\"https:\/\/www.valuepenguin.com\/travel\/benefits-of-hilton-diamond-status\"\u003EDiamond status\u003C\/a\u003E\u003C\/span\u003E with the Hilton Honors rewards program, making this the only credit card to offer top-tier status automatically to any hotel loyalty program (enrollment required).\u003C\/p\u003E\n\n\u003Cp\u003EThe card's earn rate is generous not just on Hilton spend, but on everyday categories like U.S. restaurants and even on regular spending. That being said, this card is best for people who are Hilton-loyal and can use up the annual credits on offer, as they can only be applied to very specific purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Six-figure welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual weekend night reward\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $250 Hilton Resort statement credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $250 airline fee credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $100 property credit at participating Waldorf Astoria and Conrad Hotels & Resorts\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Complimentary Diamond elite status (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Complimentary access to 1,300+ airport lounges worldwide (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $450 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Limited redemption options; points are best redeemed for stays with Hilton\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Fewer trip insurance benefits than other premium travel credit cards; card only comes with baggage insurance and secondary rental car insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual credits can be hard to use, especially if you don't stay at Hilton Resorts, Waldorf Astoria, or Conrad properties\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel rewards credit card with no annual fee

Hilton Honors American Express Card

$0

15.74%-24.74% Variable

Excellent/Good

  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
  • Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.

Limited Time Offer: 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021. Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.

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ValuePenguin's verdict

The Hilton Honors American Express Card packs an amazing amount of value for a $0-annual-fee card. For starters, it comes with a really generous welcome offer, which we estimate to be worth around $650 in Hilton hotel stays. Secondly, even considering the inflated value of Hilton points (only worth 0.5 cent per point, by our estimates), the card offers generous points on your regular purchases: Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Finally, the card grants you automatic Hilton Honors Silver status, with the chance to earn Gold status after spending $20,000 on eligible purchases on your card in a calendar year (enrollment required). The guaranteed elite status with Hilton year after year makes this card a keeper.

For rates and fees of Hilton Honors American Express Card, please click here.

  • Welcome bonus worth around $600 ($500 in Hilton hotel purchases + $100 statement credit)
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • $0 annual fee — the best travel credit card with $0 annual fee
  • Foreign transaction fee: None
  • Terms apply
  • Benefits and rewards have limited value for those who don't stay frequently with Hilton
  • Terms apply
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Offer expires 8\/25\/2021.\u003C\/li\u003E\u003Cli\u003ELimited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8\/25\/2021.\u003C\/li\u003E\u003Cli\u003EEarn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.\u003C\/li\u003E\u003Cli\u003EEarn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.\u003C\/li\u003E\u003Cli\u003EEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.\u003C\/li\u003E\u003Cli\u003ENo Annual Fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/hilton-honors-credit-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ELimited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8\\\/25\\\/2021.\\u003C\\\/li\\u003E\\u003Cli\\u003ELimited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. 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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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4332.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/923?url=_travel_best-travel-credit-cards\",\"name\":\"Hilton Honors American Express Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003ELimited Time Offer: 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8\/25\/2021. Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8\/25\/2021.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003ELimited Time Offer: 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8\\\/25\\\/2021. Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8\\\/25\\\/2021.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Card\" href=\"https:\/\/www.valuepenguin.com\/hilton-honors-american-express-card\"\u003EHilton Honors American Express Card\u003C\/a\u003E\u003C\/span\u003E packs an amazing amount of value for a $0-annual-fee card. For starters, it comes with a really generous welcome offer, which we estimate to be worth around $650 in Hilton hotel stays. Secondly, even considering the inflated value of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Rewards Program: Maximizing the Value of Honors Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-hhonors-rewards-program\"\u003EHilton points\u003C\/a\u003E\u003C\/span\u003E (only worth 0.5 cent per point, by our estimates), the card offers generous points on your regular purchases: Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Finally, the card grants you automatic Hilton Honors Silver status, with the chance to earn Gold status after spending $20,000 on eligible purchases on your card in a calendar year (enrollment required). The guaranteed elite status with Hilton year after year makes this card a keeper.\u003C\/p\u003E\n\n\u003Cp\u003EFor rates and fees of Hilton Honors American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Best travel rewards credit card with no annual fee\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Welcome bonus worth around $600 ($500 in Hilton hotel purchases + $100 statement credit)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee \u2014 the best travel credit card with $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fee: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Benefits and rewards have limited value for those who don't stay frequently with Hilton\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel credit card for business travel

Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

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ValuePenguin's verdict

The Ink Business Preferred℠ Credit Card is an excellent choice for business owners who want to earn lucrative travel rewards. The card's sign-up bonus on its own is enough to save you $1,250 on travel — or even more if you transfer those points to one of Chase's airline and hotel partners.

The travel perks and trip insurance benefits are limited on this card when compared with some of the best travel credit cards, but you'll earn big on some business-related spending categories and can get employee cards at no additional cost. Just make sure you spend enough on an annual basis to make up for the $95 annual fee.

  • Huge welcome bonus worth $1,250 toward travel if you transfer those points to one of Chase's airline and hotel partners
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
  • Points are worth 25% more when redeemed through the Ultimate Rewards travel portal
  • You can transfer your points to a long list of Chase's airline and hotel partners at a 1:1 rate
  • You'll get trip cancellation/interruption insurance and primary rental car insurance
  • Free employee cards
  • $95 annual fee
  • Sign-up bonus has a high minimum spending requirement
  • Travel insurance benefits are limited compared with top-tier travel credit cards
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target=\"_blank\" title=\"Ink Business Preferred\u2120 Credit Card\"\u003E\u003Cimg alt=\"Ink Business Preferred\u2120 Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1112?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's 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aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003EEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases\u003C\/li\u003E\u003Cli\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\u003C\/li\u003E\u003Cli\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\u003C\/li\u003E\u003Cli\u003ERedeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open\u003C\/li\u003E\u003Cli\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003EPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account\u003C\/li\u003E\u003Cli\u003E$95 Annual Fee\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99%-20.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. 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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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/2998.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1112?url=_travel_best-travel-credit-cards\",\"name\":\"Ink Business Preferred\\u2120 Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ink Business Preferred Credit Card Review: Is It the Best Business Credit Card?\" href=\"https:\/\/www.valuepenguin.com\/chase-ink-preferred-business-card\"\u003EInk Business Preferred℠ Credit Card\u003C\/a\u003E\u003C\/span\u003E is an excellent choice for business owners who want to earn lucrative travel rewards. The card's sign-up bonus on its own is enough to save you $1,250 on travel \u2014 or even more if you transfer those points to one of Chase's airline and hotel partners.\u003C\/p\u003E\n\n\u003Cp\u003EThe travel perks and trip insurance benefits are limited on this card when compared with some of the best travel credit cards, but you'll earn big on some business-related spending categories and can get employee cards at no additional cost. Just make sure you spend enough on an annual basis to make up for the $95 annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Huge welcome bonus worth $1,250 toward travel if you transfer those points to one of Chase's airline and hotel partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases\u2014with no limit to the amount you can earn.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points are worth 25% more when redeemed through the Ultimate Rewards travel portal\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You can transfer your points to a long list of Chase's airline and hotel partners at a 1:1 rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You'll get trip cancellation\/interruption insurance and primary rental car insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free employee cards\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Sign-up bonus has a high minimum spending requirement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel insurance benefits are limited compared with top-tier travel credit cards\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card for travel and dining

American Express® Gold Card

$250

See Pay Over Time APR

Excellent/Good

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

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ValuePenguin's verdict

The American Express® Gold Card is one of the best options if you want to earn big on dining and supermarkets but prefer to spend your rewards on travel. The American Express Membership Rewards® program offers a few ways to use your points, worth 1 cent each when redeemed for travel through the Amex portal. You could potentially double that value by transferring your points to one of Amex's travel partners, which include popular airline and hotel loyalty programs.

This card is stacked with annual credits that can help you recoup the $250 annual fee, but they can be tricky to use. The dining credit of up to $120 is doled out in $10 per month increments and can be used for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris, Boxed and participating Shake Shack locations (enrollment required). The $100 hotel credit can only be used on reservations of at least 2 nights made though The Hotel Collection, and it can only cover charges like dining and spa services, not the cost of the room. The new annual Uber Cash benefit can be used for Uber rides or Uber Eats in the U.S. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

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

  • Generous welcome bonus
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
  • Transfer your points to Membership Rewards® airline and hotel partners
  • Save up to $120 on dining in the form of $10 monthly statement credits for Grubhub, Seamless, and select partner restaurants (enrollment required)
  • Save up to $120 on U.S. Uber rides or U.S. Uber Eats purchases in the form of up to $10 in monthly Uber Cash (add your Gold Card to your Uber account)
  • Up to $100 hotel credit with The Hotel Collection
  • Terms apply
  • $250 annual fee
  • Annual credits can be hard to use fully
  • Travel insurance protections are limited
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EAmerican Express\u00ae Gold Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1304?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"American Express\u00ae Gold Card\"\u003E\u003Cimg alt=\"American Express\u00ae Gold Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4576.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1304?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$250\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ESee Pay Over Time APR\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ERose Gold is back. You can now choose between Gold or Rose Gold.\u003C\/li\u003E\u003Cli\u003EEarn 60,000 Membership Rewards\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003EEarn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).\u003C\/li\u003E\u003Cli\u003EEarn 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com.\u003C\/li\u003E\u003Cli\u003E$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.\u003C\/li\u003E\u003Cli\u003E$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.\u003C\/li\u003E\u003Cli\u003EGet up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees.\u003C\/li\u003E\u003Cli\u003EAnnual Fee is $250.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$250\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/gold-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ERose Gold is back. You can now choose between Gold or Rose Gold.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 60,000 Membership Rewards\\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 4X Membership Rewards\\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3X Membership Rewards\\u00ae points on flights booked directly with airlines or on amextravel.com.\\u003C\\\/li\\u003E\\u003Cli\\u003E$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.\\u003C\\\/li\\u003E\\u003Cli\\u003E$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees.\\u003C\\\/li\\u003E\\u003Cli\\u003EAnnual Fee is $250.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":70,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4576.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1304?url=_travel_best-travel-credit-cards\",\"name\":\"American Express\\u00ae Gold Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E60,000 Membership Rewards\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E60,000 Membership Rewards\\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Gold Card Review: Your Best Option for Dining and Supermarket Shopping\" href=\"https:\/\/www.valuepenguin.com\/american-express-gold-card\"\u003EAmerican Express\u00ae Gold Card\u003C\/a\u003E\u003C\/span\u003E is one of the best options if you want to earn big on dining and supermarkets but prefer to spend your rewards on travel. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Membership Rewards: Your Guide to Earning and Redeeming Points for Max Value\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-guide-earning-redeeming\"\u003EAmerican Express Membership Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E program offers a few ways to use your points, worth 1 cent each when redeemed for travel through the Amex portal. You could potentially double that value by transferring your points to one of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Transfer Partners: How to Get the Most out of Membership Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/amex-transfer-partners\"\u003EAmex's travel partners\u003C\/a\u003E\u003C\/span\u003E, which include popular airline and hotel loyalty programs.\u003C\/p\u003E\n\n\u003Cp\u003EThis card is stacked with annual credits that can help you recoup the $250 annual fee, but they can be tricky to use. The dining credit of up to $120 is doled out in $10 per month increments and can be used for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris, Boxed and participating Shake Shack locations (enrollment required). The $100 hotel credit can only be used on reservations of at least 2 nights made though The Hotel Collection, and it can only cover charges like dining and spa services, not the cost of the room. The new annual Uber Cash benefit can be used for Uber rides or Uber Eats in the U.S. Your American Express\u00ae Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.\u003C\/p\u003E\n\n\u003Cp\u003ENote, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.\u003C\/p\u003E\n\n\u003Cp\u003EFor rates and fees of American Express\u00ae Gold Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow noopener\" target=\"_blank\" title=\"American Express\u00ae Gold Card\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com. Terms apply.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer your points to Membership Rewards\u00ae airline and hotel partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Save up to $120 on dining in the form of $10 monthly statement credits for Grubhub, Seamless, and select partner restaurants (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Save up to $120 on U.S. Uber rides or U.S. Uber Eats purchases in the form of up to $10 in monthly Uber Cash (add your Gold Card to your Uber account)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $100 hotel credit with The Hotel Collection\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $250 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual credits can be hard to use fully\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel insurance protections are limited\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel credit card with lounge access

The Platinum Card® from American Express

$695

See Pay Over Time APR

Excellent/Good

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small® in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.

100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

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ValuePenguin's verdict

The Platinum Card® from American Express earns big on certain airline and hotel purchases, and its Membership Rewards® points can be extra valuable when transferred to one of Amex's hotel or airline partners. While the card offers a long list of annual credits to recoup the annual fee, they can be hard to use. You'll get up to $200 in Uber Cash ($15 per month and $20 in December), but only for Uber rides or Uber Eats within the United States. You must enroll to receive the airline fee credit, and it can only be used on one preselected airline and only covers incidentals.

However, if you're looking for credit cards with airport lounge access benefits, The Platinum Card® from American Express is hard to beat. In addition to giving you access to Priority Pass™ Select lounges (enrollment required), you'll also get access to Delta Sky Club lounges (when flying Delta), and American Express lounges, including American Express Centurion Lounges: How to Get Access.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

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

  • Generous welcome bonus
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
  • Transfer your points to Membership Rewards airline and hotel partners
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • Complimentary airport lounge access through The Global Lounge Collection®
  • Up to $200 hotel credit, redeemed as an annual statement credit that's valid for prepaid bookings at Fine Hotels & Resorts or The Hotel Collection properties made through American Express travel
  • Gold elite status with Marriott Bonvoy and Hilton Honors (enrollment required)
  • Trip delay/cancellation insurance, as well as emergency medical transportation coverage for travel booked through the Premium Global Assist® Hotline
  • Terms apply
  • $695 annual fee
  • Annual credits can be hard to use fully
  • Bonus spending categories are narrow
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EThe Platinum Card\u00ae from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/54?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"The Platinum Card\u00ae from American Express\"\u003E\u003Cimg alt=\"The Platinum Card\u00ae from American Express\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$695\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ESee Pay Over Time APR\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100,000 Membership Rewards\u00ae Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EPlus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small\u00ae in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae Points on prepaid hotels booked with American Express Travel.\u003C\/li\u003E\u003Cli\u003E$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts\u00ae or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card\u00ae.\u003C\/li\u003E\u003Cli\u003E$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card\u00ae at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.\u003C\/li\u003E\u003Cli\u003ENew! American Express has expanded The Centurion\u00ae Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card\u00ae can get you complimentary entry and exclusive perks.\u003C\/li\u003E\u003Cli\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.\u003C\/li\u003E\u003Cli\u003E$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.\u003C\/li\u003E\u003Cli\u003E$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$179 CLEAR\u00ae Credit: Use your Card and get up to $179 back per year on your CLEAR\u00ae membership.\u003C\/li\u003E\u003Cli\u003E$695 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$695\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 100,000 Membership Rewards\\u00ae Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small\\u00ae in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards\\u00ae Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards\\u00ae Points on prepaid hotels booked with American Express Travel.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts\\u00ae or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003E$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card\\u00ae at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003ENew! American Express has expanded The Centurion\\u00ae Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card\\u00ae can get you complimentary entry and exclusive perks.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.\\u003C\\\/li\\u003E\\u003Cli\\u003E$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003E$179 CLEAR\\u00ae Credit: Use your Card and get up to $179 back per year on your CLEAR\\u00ae membership.\\u003C\\\/li\\u003E\\u003Cli\\u003E$695 annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_travel_best-travel-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. \n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. \\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express Review: Luxury Travel Benefits\" href=\"https:\/\/www.valuepenguin.com\/american-express-platinum-card\"\u003EThe Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E earns big on certain airline and hotel purchases, and its Membership Rewards\u00ae points can be extra valuable when transferred to one of Amex's hotel or airline partners. While the card offers a long list of annual credits to recoup the annual fee, they can be hard to use. You'll get up to $200 in Uber Cash ($15 per month and $20 in December), but only for Uber rides or Uber Eats within the United States. You must enroll to receive the airline fee credit, and it can only be used on one preselected airline and only covers incidentals.\u003C\/p\u003E\n\n\u003Cp\u003EHowever, if you're looking for \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Cards With Complementary Airport Lounge Access & Benefits\" href=\"https:\/\/www.valuepenguin.com\/credit-cards-airport-lounge-access\"\u003Ecredit cards with airport lounge access\u003C\/a\u003E\u003C\/span\u003E benefits, The Platinum Card\u00ae from American Express is hard to beat. In addition to giving you access to Priority Pass\u2122 Select lounges (enrollment required), you'll also get access to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Complete Guide to Delta Sky Club Lounges: How to Get Access\" href=\"https:\/\/www.valuepenguin.com\/travel\/delta-sky-club\"\u003EDelta Sky Club lounges\u003C\/a\u003E\u003C\/span\u003E (when flying Delta), and American Express lounges, including American Express Centurion Lounges: How to Get Access.\u003C\/p\u003E\n\n\u003Cp\u003ENote, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.\u003C\/p\u003E\n\n\u003Cp\u003EFor rates and fees of The Platinum Card\u00ae from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel. Terms apply.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer your points to Membership Rewards airline and hotel partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card\u00ae. That\u2019s up to $50 in statement credits semi-annually. Enrollment required.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Complimentary airport lounge access through The Global Lounge Collection\u00ae\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $200 hotel credit, redeemed as an annual statement credit that's valid for prepaid bookings at Fine Hotels & Resorts or The Hotel Collection properties made through American Express travel\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Gold elite status with Marriott Bonvoy and Hilton Honors (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trip delay\/cancellation insurance, as well as emergency medical transportation coverage for travel booked through the Premium Global Assist\u00ae Hotline\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $695 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual credits can be hard to use fully\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bonus spending categories are narrow\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel credit card for beginners

Capital One Venture Rewards Credit Card

  • On Capital One's Secure Website

$95

17.24% - 24.49% (Variable)

Excellent/Good

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.

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ValuePenguin's verdict

The Capital One Venture Rewards Credit Card is an easy, flexible travel credit card with valuable rewards, making it one of the best travel credit cards for beginners. You'll earn a flat rate of 2 Miles per dollar on every purchase, every day, so you don't have to worry about juggling multiple rewards cards or activating bonus spending categories. Your miles can be used to "erase" travel purchases from your credit card statement within 90 days, or you can transfer them to one of Capital One's new transfer partners, making for miles that are easy to spend and potentially high-value. However, while your miles transfer at a 1:1 ratio for many of Capital One's partners, your miles will transfer at a rate of 2:1.5 for some transfer partners, making the transfer rate a little less lucrative than what's on offer by competing programs like Chase Ultimate Rewards and American Express Membership Rewards. Also, don't expect a lot of bells and whistles to accompany this card, as its moderate annual fee means you're not getting access to perks like extensive travel insurance, travel credits or airport lounge access.

  • Generous welcome bonus
  • 2 Miles per dollar on every purchase, every day
  • Transfer your miles to 15+ different travel loyalty programs
  • Foreign transaction fee: None
  • $95 annual fee
  • Light on travel perks
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One Venture Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/88?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One Venture Rewards Credit Card\"\u003E\u003Cimg alt=\"Capital One Venture Rewards Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4686.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/88?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E17.24% - 24.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel\u003C\/li\u003E\u003Cli\u003EEarn unlimited 2X miles on every purchase, every day\u003C\/li\u003E\u003Cli\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\u003C\/li\u003E\u003Cli\u003EReceive up to $100 application fee credit for Global Entry or TSA Pre\u2713\u00ae\u003C\/li\u003E\u003Cli\u003ERedeem on travel\u2014including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"17.24% - 24.49% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2X miles on every purchase, every day\\u003C\\\/li\\u003E\\u003Cli\\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive up to $100 application fee credit for Global Entry or TSA Pre\\u2713\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem on travel\\u2014including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4686.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/88?url=_travel_best-travel-credit-cards\",\"name\":\"Capital One Venture Rewards Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Venture\u00ae Rewards Credit Card Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/capital-one-venture-rewards-credit-card\"\u003ECapital One Venture Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is an easy, flexible travel credit card with valuable rewards, making it one of the best travel credit cards for beginners. You'll earn a flat rate of 2 Miles per dollar on every purchase, every day, so you don't have to worry about juggling multiple rewards cards or activating bonus spending categories. Your miles can be used to \"erase\" travel purchases from your credit card statement within 90 days, or you can transfer them to one of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Transfer Partners: What You Need to Know\" href=\"https:\/\/www.valuepenguin.com\/news\/capital-one-transfer-partners\"\u003ECapital One's new transfer partners\u003C\/a\u003E\u003C\/span\u003E, making for miles that are easy to spend and potentially high-value. However, while your miles transfer at a 1:1 ratio for many of Capital One's partners, your miles will transfer at a rate of 2:1.5 for some transfer partners, making the transfer rate a little less lucrative than what's on offer by competing programs like Chase Ultimate Rewards and American Express Membership Rewards. Also, don't expect a lot of bells and whistles to accompany this card, as its moderate annual fee means you're not getting access to perks like extensive travel insurance, travel credits or airport lounge access.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2 Miles per dollar on every purchase, every day\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer your miles to 15+ different travel loyalty programs\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fee: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Light on travel perks\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel rewards card for fair credit

Capital One Platinum Credit Card

  • On Capital One's Secure Website

$0

26.99% (Variable)

Average/Fair/Limited

  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

No transaction fees for purchases outside the U.S.

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ValuePenguin's verdict

If you need to build credit, your options are limited. The Capital One Platinum Credit Card is one of the best when it comes to cards that only require fair credit and still offer some benefits. While you won't be earning travel rewards with this credit card, it's one of very few cards with $0 annual fee — especially in the fair credit category — that don't charge foreign transaction fees. It also comes with some travel accident insurance and an auto rental collision damage waiver. The best way to use this card is to build credit by paying off your balance in full each month, especially given how high the interest rate is. You'll get access to a free credit score, which will help you monitor your progress. Once you make your way to good credit, you can apply for a more rewarding travel credit card.

  • Rental car insurance
  • Travel accident insurance
  • Foreign transaction fee: None
  • $0 annual fee
  • Free credit score
  • No rewards
  • High ongoing APR, so make sure not to carry a balance
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target=\"_blank\" title=\"Capital One Platinum Credit Card\"\u003E\u003Cimg alt=\"Capital One Platinum Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4474.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/26?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E26.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EAverage\/Fair\/Limited\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":60,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EPay no annual fee\u003C\/li\u003E\u003Cli\u003EBe automatically considered for a higher credit line in as little as 6 months\u003C\/li\u003E\u003Cli\u003EFraud coverage if your card is lost or stolen\u003C\/li\u003E\u003Cli\u003EUse online banking to access your account, even from your smartphone, with our mobile app\u003C\/li\u003E\u003Cli\u003ECheck out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set\u003C\/li\u003E\u003Cli\u003EPay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you\u003C\/li\u003E\u003Cli\u003EGet access to your account 24 hours a day, 7 days a week\u003C\/li\u003E\u003Cli\u003EHelp build your credit through responsible use of a card like this\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"26.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Average\\\/Fair\\\/Limited\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EPay no annual fee\\u003C\\\/li\\u003E\\u003Cli\\u003EBe automatically considered for a higher credit line in as little as 6 months\\u003C\\\/li\\u003E\\u003Cli\\u003EFraud coverage if your card is lost or stolen\\u003C\\\/li\\u003E\\u003Cli\\u003EUse online banking to access your account, even from your smartphone, with our mobile app\\u003C\\\/li\\u003E\\u003Cli\\u003ECheck out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set\\u003C\\\/li\\u003E\\u003Cli\\u003EPay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you\\u003C\\\/li\\u003E\\u003Cli\\u003EGet access to your account 24 hours a day, 7 days a week\\u003C\\\/li\\u003E\\u003Cli\\u003EHelp build your credit through responsible use of a card like this\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":60,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"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. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4474.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/26?url=_travel_best-travel-credit-cards\",\"name\":\"Capital One Platinum Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003ENo transaction fees for purchases outside the U.S.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003ENo transaction fees for purchases outside the U.S.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EIf you need to build credit, your options are limited. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Platinum Card Review: Who Is It For?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-platinum-credit-card\"\u003ECapital One Platinum Credit Card\u003C\/a\u003E\u003C\/span\u003E is one of the best when it comes to cards that only require fair credit and still offer some benefits. While you won't be earning travel rewards with this credit card, it's one of very few cards with $0 annual fee \u2014 especially in the fair credit category \u2014 that don't charge foreign transaction fees. It also comes with some travel accident insurance and an auto rental collision damage waiver. The best way to use this card is to build credit by paying off your balance in full each month, especially given how high the interest rate is. You'll get access to a free credit score, which will help you monitor your progress. Once you make your way to good credit, you can apply for a more rewarding travel credit card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rental car insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel accident insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fee: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free credit score\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High ongoing APR, so make sure not to carry a balance\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare top travel credit card offers


Welcome Offer
Earning Rate
Annual Fee
Best for international travel: Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide$95
Apply Now
  • On Chase's Secure Website
Best for miles: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
unavailable credit card
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account openingEarn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases$99, waived for first 12 monthsRead Review
Best for points: Chase Sapphire Reserve®
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.$550
Apply Now
  • On Chase's Secure Website
Show All Rows

Why get a travel credit card?

A travel credit card helps you save money on hotels, flights and more by offering travel-related benefits and rewards.

These rewards typically include features that make travel more affordable and enjoyable, like:

  • Bonus points on travel spending
  • The option to redeem rewards for travel
  • Trip cancellation insurance
  • Emergency evacuation coverage
  • Airport lounge access
  • Elite status benefits

It's important to understand the difference between cash back, miles and points to decide which kind of credit card is best for you. However, if you travel regularly, finding the best travel rewards credit card for your needs and adding it to your wallet can be very beneficial.

What is a travel credit card?

A travel credit card offers travel-related benefits and rewards. These rewards typically include bonus points on travel spending and a rewards system with travel redemption options.

The best travel credit cards even come with travel protections and perks, such as trip insurance, airport lounge access and elite status.

3 types of travel credit cards: airline cards vs. hotel cards vs. flexible points cards

Pros
Cons
Airline milesEarn airline-specific perks, such as free checked bags or priority boardingLocks you into one airline
Hotel pointsEarn hotel-specific perks, such as room upgrades or elite statusLocks you into one hotel chain
Travel rewardsMost flexible rewards currency with the ability to transfer to airline partners or book any type of travelNo brand-specific perks

1. Hotel credit cards

Our top hotel card pick is the Hilton Honors American Express Aspire Card, due to the generous points that it offers on a variety of purchases and plush hotel benefits, like automatic Diamond elite status with Hilton and up to a $250 Hilton hotel credit.

Hotel credit cards are co-branded with a hotel chain and earn points that can be redeemed for stays at that hotel chain. The best hotel credit cards:

  • Help you accumulate hotel points quickly
  • Provide perks like hotel status, annual free nights or hotel statement credits

The benefits and rewards offered by co-branded cards are typically only useful at the card's respective hotel chain.


2. Airline credit cards

We love the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® — unlike most airline cards, it lets you earn valuable AAdvantage miles on a variety of everyday purchases, not to mention it also has a very generous sign-up bonus.

Airline credit cards are co-branded with an airline and earn miles that can be redeemed for flights with that airline. The best airline credit cards:

  • Help you earn bonus miles fast
  • Come with benefits like free checked bags, priority boarding, in-flight discounts and companion passes

If the card is co-branded with an airline, any perks and rewards it offers only apply to that airline and, sometimes, any partner airline.


3. Flexible points credit cards

Hands down, our favorite flexible points card is the Chase Sapphire Preferred® Card, due to the ultimate flexibility of its Ultimate Rewards points (you can transfer points 1:1 to a variety of hotel and airline partners, and even redeem them for cash back at a value of 1 cent per point).

Rather than being confined to one brand, flexible points credit cards earn generic points that can be redeemed for a wide range of travel purchases. Flexible points:

  • Are worth 1 cent each on average
  • Can be redeemed through the card's travel portal for hotels, flights, rental cars and sometimes cruises and activities
  • Can often be transferred to a long list of airline and hotel transfer partners

How to choose a travel credit card

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1. Decide what type of rewards you want to earn

You'll need to decide whether you want to earn hotel points, airline miles or flexible points that can be redeemed for a variety of travel purchases. A few thoughts:

  • Flexible points have the obvious benefit of versatility, so they might seem like a no-brainer.
  • However, if you stay with a specific hotel chain or fly with a preferred airline frequently enough, you might be able to earn at a faster rate by earning hotel points with one brand.
  • While a hotel credit card will typically earn bonus points on more narrow categories, like spending at one specific hotel chain, some cards can get you 14x points per $1 at that hotel chain.
  • On the other hand, cards that earn flexible points might only get you 3x points per $1 on travel, but you'll earn that on all travel spending regardless of brand.

2. Pick earning categories that align with your spending

One of the most important factors to consider is each card's earning categories. You’ll want to go for a card that earns big on your main spending categories.

Estimate your annual spending in major categories like travel, dining, groceries and gas, and then do the math to figure out how much you'd earn in a year with each one.

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3. Know your airline and hotel preferences

If you opt for earning hotel points or airline miles, the next step is to pick a preferred brand and stick with it. Even if you decide you want flexible points, you're going to want to identify your preferred airlines and hotels, as you might be able to transfer your points. The list of available transfer partners can help you choose which generic travel credit card to get.

Credit card transfer partners

American Express

  • AeroMexico
  • Air Canada
  • Alitalia
  • Aer Lingus
  • ANA
  • Avianca
  • British Airways
  • Cathay Pacific
  • Delta Airlines
  • El Al
  • Emirates
  • Etihad Airways

Chase

  • Aer Lingus
  • British Airways
  • Flying Blue (Air France/KLM)
  • Emirates
  • Iberia
  • JetBlue
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • World of Hyatt
  • IHG Rewards Club

Citi

  • Avianca
  • Flying Blue (Air France/KLM)
  • Cathay Pacific
  • Etihad Airways
  • EVA Air
  • Jet Airways
  • JetBlue
  • Malaysia Airlines
  • Qantas
  • Qatar
  • Singapore Airlines
  • Thai Airways

When choosing the best travel credit card, make sure to look at its long-term value. Do the card's earning categories match your spending habits, or do you value flexibility with your rewards? These factors are much more important than the sign-up bonus.

— Stella Shon, ValuePenguin's travel expert

4. Find a good sign-up bonus

While the welcome bonus shouldn't be as important as the card's lasting value, it's definitely something to take into consideration. Some of these cards offer sign-up bonuses worth close to $1,000, and if you're stockpiling points for a particular travel goal, these bonuses can get you there quickly. You should also consider the minimum spending requirement for these sign-up bonuses, as some are more attainable than others.

5. Look at the card's travel protections

It might not be the first thing you consider, but the top travel credit cards offer extensive credit card travel insurance that can save your tail in the event of trip delays or a travel emergency. Here are some travel protections you should look out for:

  • Primary rental car insurance — meaning you don't have to file a claim on your personal insurance — allows you to decline a rental agency's collision coverage, which can save you hundreds if you often rent cars.
  • Luggage protection is crucial if you check a bag, as airlines typically don't offer much for delayed or lost bags.
  • Trip interruption and cancellation insurance can save you thousands by reimbursing you for prepaid, qualifying travel expenses if you have to cancel or interrupt your trip for any covered reason.
Car rental insurance
Luggage protection
Trip interruption/cancellation insurance
Chase Sapphire Reserve®PrimaryUp to $3,000 per passenger for lost luggageUp to $10,000 per person and $20,000 per trip
The Platinum Card® from American ExpressSecondaryUp to $3,000 per covered person$10,000 per covered trip and up to $20,000 per 12 months
Capital One Venture Rewards Credit CardSecondaryUp to $3,000None
Citi Prestige® Credit CardNoneNoneNone

Terms apply to American Express offers. See americanexpress.com for more details.

6. Consider the card's other benefits

In addition, see if the card offers any of these benefits:

  • No foreign transaction fees. Many credit cards charge 3% on every purchase in a foreign country, meaning you're shelling out $30 for every $1,000. The best travel rewards credit cards don't have foreign transaction fees, and you should have at least one on hand.
  • Acceptance. If you're traveling internationally, you'll need a credit card that's widely accepted. Visa and Mastercard are accepted almost everywhere. American Express is catching up and, while there are still a lot of popular travel destinations that don't accept it, Discover is expanding its reach.
  • Global Entry/TSA Precheck. The best travel credit cards offer up to a $100 credit for Global Entry or TSA Precheck application fees, so you can expedite your way through security checks.
  • Airport lounge access. If you fly often, airport lounge access is priceless. Not only does it make long connections and early flights more bearable, but the complimentary food and beverages — and, sometimes, even showers and beds — offered by these lounges can actually save you money while you travel.
  • Free checked baggage. If you tend to check bags, waived baggage fees can more than recoup the cost of a card's annual fee.
  • Elite status benefits. Many cards grant you accelerated or automatic elite status with major airlines or hotel chains, bringing additional benefits, such as free hotel breakfasts or priority boarding on flights.

What's your points and miles strategy?

You'll want to consider both your spending and your travel goals when developing a points-and-miles strategy. On the spending side of things, analyze where most of your spending lies and look for cards that reward those spending categories.

You also need to make sure the rewards you're earning are useful to you. You should have some idea of how you want to use your points and miles. Answering these questions will guide you toward the right credit card.

  1. Do you have a specific destination in mind?
  2. Do you have a specific redemption in mind? (Are you looking for a lie-flat seat on an international flight, a weekend getaway at a luxury resort or are you simply trying to shave dollars off your next flight in economy class)?
  3. Or, do you just travel often and want to stockpile points and miles without a specific trip in mind?

Points vs. miles: What's the difference?

First off, let's clarify what we mean by "points and miles," as the terms can mean more than one thing (and are often used interchangeably). There are three basic types of "points and miles":

  • Airline miles are earned through one particular airline (for example, Delta SkyMiles), and can be redeemed for flights with that airline and its airline partners.
  • Hotel points (like Marriott Bonvoy points) are earned with one particular hotel program and can be redeemed for hotel nights with that program.
  • Credit card points (sometimes also called "miles" by issuers like Capital One and Discover) are earned by making purchases with a general travel credit card, like the Chase Sapphire Preferred, and can be redeemed for a variety of rewards, including flights and hotel nights with a variety of programs.
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To be or not to be loyal?

You'll need to figure out whether you're willing to stick with a specific airline or hotel chain, or if you prefer more flexible credit card points. Consider the following:

  • Credit cards that are co-branded with an airline or hotel chain can help you earn lots of points or miles very quickly, but only if you're loyal to that brand and want to spend your rewards with them.
  • You might stay with a particular hotel chain all the time for work, but if you don't plan to stay with them on vacation, the points you earn might not be as useful.
  • Credit cards that earn generic travel points are better if you're not sure how you plan to redeem them, especially if they offer the ability to transfer your points to travel partners.

What's the best airline for you?

Knowing where you typically fly and what airlines tend to fly those routes will help you develop a solid points-and-miles strategy.

If your home airport is a hub for a particular airline — like Atlanta’s Hartsfield-Jackson is a Delta hub or Chicago O'Hare is a hub for United — you're likely to fly with that airline. This means you'll want to consider any credit cards co-branded with that airline, but you'll also want to consider generic travel credit cards with that airline on their list of transfer partners.

If you're considering travel credit cards with premium perks, look into the airports you'll be flying from, to and through. If you typically fly out of or through airports that don't have Priority Pass™ lounges but do have an American Express lounge, for example, you might lean toward The Platinum Card® from American Express.

Airlines alliances

Apart from looking at how you'll earn miles, you also want to look at how you'll spend them — this is where airline alliances come into play. Many major airlines belong to airline alliances, or networks of airlines that have agreed to cooperate and, often, share benefits. This means you can usually redeem your miles for flights with any airline within the same airline alliance. The three main airline alliances are:

Star Alliance

  • United
  • Air Canada
  • Air China
  • ANA
  • Avianca
  • Copa Airlines
  • Egypt Air
  • Lufthansa
  • Singapore Airlines
  • Thai Airways
  • and more

SkyTeam

  • Delta
  • Aerolineas Argentinas
  • AeroMexico
  • AirFrance
  • Alitalia
  • China Airlines
  • Kenya Airways
  • KLM
  • Korean Air
  • Vietnam Airlines
  • and more

Oneworld

  • American Airlines
  • British Airways
  • Cathay Pacific
  • Finnair
  • Iberia
  • Japan Airlines
  • Malaysia Airlines
  • Qantas
  • Qatar Airways
  • and more

In other words, the airline you've pledged loyalty to might not fly to the country where you've planned a summer vacation, but you might still be able to redeem your miles with a partner airline that does.

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Hotel brands

You'll also want to decide which hotel brand you're most likely to stay with.

Major hotel chains include Hilton Hotels, Marriott International, Hyatt, Intercontinental Hotel Group (IHG), Wyndham Hotel Group and Choice Hotels.

Each chain has a long list of brands under its umbrella. For example:

  • Waldorf Astoria, Embassy Suites and DoubleTree are all brands owned by Hilton Hotels, so Hilton points can be used at all of them.
  • Marriott owns The Ritz-Carlton, Westin, Springhill Suites and Aloft, so Marriott points can be used at any of those properties.

While Hilton and Marriott have enormous footprints and their hotels can be found in just about any city, smaller hotel rewards programs like Hyatt might provide a preferable experience for you.

That being said, you want to make sure you'll be able to stay with the brand you choose regularly, whether you're traveling for work or pleasure. Look into destinations where you travel often or plan to travel and find out which hotel chains have properties located there. You can choose credit cards that are co-branded with the hotel of your choice, or you can go with a generic travel credit card that lists that hotel as one of its transfer partners.

Value of points and miles

Whether you're searching for the best airline rewards program, the best hotel rewards program or the best credit card for travel points, you'll need to consider points and mile value to earn the most rewards on your spending. In general, you'll find that some rewards will take you farther than others. Keep these rules in mind:

  • With the exception of Hyatt, hotel rewards program points tend to be inflated
  • Airline miles tend to be a little more valuable than average
  • Flexible points like Chase Ultimate Rewards and Amex Membership Rewards tend to be especially valuable, because you can transfer them to a variety of loyalty programs

Here's how some popular rewards programs stack up according to our own estimates:

$0.02
American Express Membership Rewards
$0.02
Chase Ultimate Rewards
$0.02
Citi ThankYou Rewards
$0.017
World of Hyatt
$0.015
Southwest Rapid Rewards
$0.013
Delta SkyMiles
$0.011
United MileagePlus
$0.01
American Airlines AAdvantage
$0.008
Marriott Bonvoy
$0.005
Hilton Honors
$0.005
IHG Rewards Club

Ultimately, the value of points and miles depends on how you redeem them. With a redemption option in mind, use this simple equation to calculate the value of your points/miles:

Cash price* ÷ Number of points needed for redemption = Points value

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*Check to see if taxes and fees are included in your award

How to compare travel credit cards

To find the best travel credit card for your needs, you'll want to compare your options. You can do this by:

  1. Adding up the monetary value of the rewards you'd likely earn in a year
  2. Subtracting any fees from the estimated rewards value (this gives you a clear idea of which card will save you more money)
  3. Considering additional benefits, such as travel insurance, airport lounge access and elite status

The table below gives you an example of how to compare two similar travel credit cards.

Note that the first-year value will skew heavily in favor of cards that include a sign-up bonus — make sure to consider how much value the card has beyond the first year.

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First-year value comparison

Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earning rateEarn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. Earn 1 point per $1 spent on all other purchases.2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
Points/miles earned ($2,000 Southwest flights, $2,000 dining, $14,000 other purchases)30,000 (including 6,000-point anniversary bonus)22,000
Sign-up bonusEarn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining purchases for the first year.

6,000 bonus points after your Cardmember anniversary.
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Redemption optionsSouthwest airfareChase Ultimate Rewards travel for 25% more value, cash back for 1 cent per point, transfer to 13 travel partners, including Southwest
Target redemption optionSouthwest airfare (worth 1.5 cents/point)Southwest airfare (worth 1.5 cents/point)
Value of rewards(30,000 + 40,000) x 1.5 cents = $1,050(22,000 + 80,000) x 1.5 cents + $50 grocery statement credit = $1,580
Annual fee$99$95
First year value$951$1,485
Other benefits
  • $0 foreign transaction fees
  • Secondary car rental insurance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • $0 foreign transaction fees
  • Primary car rental insurance
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay insurance
  • Lost luggage reimbursement
  • Free DashPash subscription for one year
Apply Now
  • On Chase's Secure Website
Apply Now
  • On Chase's Secure Website

What is the best travel credit card?

The best travel credit card for you is one that offers a high earn rate in your biggest spending categories, high-value points or miles you'll actually use and, ideally, some travel-related benefits.

How do travel credit cards work?

Travel credit cards reward your spending with points or miles that can be redeemed for flights, hotel stays, cruises and more. The best travel credit cards also come with perks and protections that make travel more comfortable and save you money.

What types of travel credit cards are there?

There are three types of travel credit cards: airline, hotel and general travel rewards cards. Airline credit cards will earn you miles through an airline loyalty program for free flights and offer airline-specific perks. Hotel credit cards will earn you points through a hotel loyalty program for free stays and offer hotel-specific perks. General travel rewards cards will earn you flexible points and miles that can be used to book any type of travel or even be transferred to airline or hotel loyalty programs.

What credit cards offer free travel insurance?

The Chase Sapphire Reserve®, Chase Sapphire Preferred® Card and The Platinum Card® from American Express come with some of the best travel insurance benefits. Look for cards that come with trip cancellation insurance, lost luggage insurance and primary rental car insurance to save money on travel and plan for unexpected itinerary changes. As for medical and travel emergency insurance, most credit cards aren't a good replacement for that, but the Chase Sapphire Reserve® does come with some travel accident insurance, emergency medical insurance and emergency evacuation coverage.

Is it worth getting a travel credit card?

Travel credit cards are worth it for anyone who travels and can pay off their credit card balance in full each month. If you don't travel often enough to justify an annual fee, you can go for a no-annual-fee travel credit card. Carrying a balance, even on the best travel credit card, isn't recommended because they tend to have higher interest rates. Interest fees will eat up any travel rewards you're earning.

Does my credit card have travel insurance?

Your credit card might have some travel insurance. To find out, read your card's benefits guide, which usually comes in the mail with your credit card. You can also search for your card's benefits guide online.

Should I get a travel credit card?

If you travel at least a couple of times each year, it's worth getting a travel credit card. Just do the math to find a card with rewards and benefits that outweigh its annual fee, and make sure you'll get good use out of the points and miles you earn.

Can you combine travel points from different credit cards?

Some credit card issuers let you combine travel points from different credit cards as long as the points are part of the same rewards system. For example, you can combine the Ultimate Rewards points you earn on the Chase Sapphire Reserve® with those you earn on the Ink Business Preferred℠ Credit Card. You can also combine hotel points or airline miles from different credit cards as long as they're from the same loyalty program.

How many travel credit cards should I have?

Having more than one travel credit card can be advantageous for people who travel often. Some people like to have both an airline and a hotel credit card, while others like to juggle multiple flexible points credit cards with different earning categories so they can maximize their earnings and have access to more transfer partners. The question of how many credit cards you should have depends on your spending habits, but know that as long as you space out your credit card applications, pay your bills on time and don't run up a balance, having multiple credit cards shouldn't hurt your credit.

How do credit card travel points work?

Credit card travel points can be redeemed for a variety of travel purchases. Some credit cards come with a travel portal where you can use travel points to book flights, hotels, rental cars and more, while others let you use your points as statement credits that erase travel purchases. Others let you transfer your credit card travel points to various airline and hotel partners.

Is credit card travel insurance enough?

Depending on your needs, credit card travel insurance might be enough to cover your trip against interruptions, delays and cancellation. However, if you want to make sure you're covered medically while traveling, most credit cards don't come with extensive travel medical insurance. You might want to purchase an add-on plan or separate coverage in case of a medical emergency.

Should I get a cashback or travel credit card?

When it comes to cash back versus miles, the answer is all about your spending habits and how you prefer to redeem rewards. If you travel at least a few times per year, it's often wiser to go for a travel credit card because they come with additional benefits that make travel easier and more affordable. However, if you don't travel often or don't want to spend your rewards on travel, a cashback card is usually a better option.

What are travel points worth?

On average, travel points are worth 1 cent each. However, this varies a lot across different rewards programs, and even within each program based on how you redeem your travel points. Typically, when redeemed for travel through a rewards portal, travel points are worth 1 cent each unless your card offers a bonus on travel redemptions. However, redeeming them for cash back might only get you 0.5 to 0.7 cents each, while transferring travel points to the right airline or hotel loyalty program can get you 2 to 4 cents per point.

How do I keep my points and miles from expiring?

Most credit card points and miles don't expire as long as your credit card account is open and in good standing, so leaving your card open is your best bet. If your points are in a hotel loyalty or frequent flyer account rather than your credit card account, you typically have to have some kind of activity every 24 months. Activity can be earning or redeeming points or miles, so you can either buy or redeem some points/miles to keep your account active.

What credit score do I need to get a travel rewards credit card?

While the credit score needed will depend on the travel rewards credit card you apply for, you should generally try to aim for a good credit score or higher for the best chance of approval. This means you should have a FICO Score of 670 or greater. If you're looking for a travel credit card for fair credit, start with the Capital One Platinum Credit Card to build credit. Work your way up to a good credit score, then apply for a more rewarding travel card.

What are the best travel credit cards for bad credit?

While technically not advertised as a travel card, we think the Secured Mastercard® from Capital One is a good option for travel. It doesn't charge an annual fee and it doesn't charge foreign transaction fees, which means you won't rack up extra fees on your purchases overseas.

What are the best travel credit cards for fair credit?

In a similar vein, the Capital One Platinum Credit Card (which doesn't require a security deposit) is a good fair credit option for travel. Though it's lacking in fancy travel perks, it offers a couple key benefits: $0 annual fee and None foreign transaction fees.

How do travel credit cards work?

Travel credit cards let you earn rewards that can be redeemed for travel purchases, like hotel nights and flights. They also frequently come with travel benefits, like travel insurance, airport lounge access and credits to cover your travel purchases.

Do I need to be vaccinated to fly?

For the moment, you do not need a COVID-19 vaccine to travel in many destinations that are open to tourists, although destinations like Iceland and the European Union have begun making vaccines a requirement to enter and travel freely.

Should I laminate my vaccine card?

Laminating your card for the COVID-19 vaccine might not be the best idea. For instance, you may need to get a booster eventually, and your vaccine provider will not be able to update your vaccine info on the card if it is laminated. Instead, try storing it in a safe place until you need it.

For rates and fees of Hilton Honors American Express Card, please click here.

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

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

The information related to Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Hilton Honors American Express Aspire Card,and Capital One Platinum Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

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).