10 Best Travel Credit Cards of April 2021

10 Best Travel Credit Cards of April 2021

Earn free flights and hotel stays, avoid foreign transaction fees and enjoy premium perks with the best travel credit cards of 2021.

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 international travel

  • On Chase's Secure Website

Best for lounge access

Best for beginners

  • On Capital One's Secure Website

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.

We chose the best travel credit cards of 2021 by surveying ValuePenguin and top issuer sites for cards that provide the highest value to travelers. We also made sure to include the best travel rewards credit cards for different uses and types of travelers — everything from premium travel credit cards, airline cards and hotel cards to no-annual-fee travel cards and a travel card for less-than-perfect credit. Whatever your habits and preferences, you'll find the best travel credit card for your needs on this list.

Best credit card for international travel

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • 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, 80,000 points are worth $1,000 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.

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.

ValuePenguin's verdict

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 April 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, 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
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EChase Sapphire Preferred\u00ae 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EInternational travel\u003C\/div\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\/92?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Chase Sapphire Preferred\u00ae Card\"\u003E\u003Cimg alt=\"Chase Sapphire Preferred\u00ae Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4288.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\/92?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$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\"\u003E15.99% - 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\u003EEarn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.\u003C\/li\u003E\u003Cli\u003EEarn 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.\u003C\/li\u003E\u003Cli\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\u00ae. For example, 80,000 points are worth $1,000 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\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% - 22.99% 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 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards\\u00ae. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\\u00ae. For example, 80,000 points are worth $1,000 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.\",\"featuredTitle\":\"International travel\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EValuePenguin's verdict\u003C\/h3\u003E\n\n\u003Cp\u003EIt'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\" 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=\"Best Credit Cards for International Travel in 2020\" 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: Who and What's Covered\" 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 April 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, 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\n\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\n\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

ValuePenguin's verdict

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is the best travel rewards credit card for folks who want to earn 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, 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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 50,000 American Airlines AAdvantage\u00ae bonus miles after $2,500 in purchases within the first 3 months of account opening\n \u003C\/p\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\u2122 Mastercard\u00ae Review\" href=\"https:\/\/www.valuepenguin.com\/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 travel rewards credit card for folks who want to earn 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, 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\n\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\n\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.

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 April 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, 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ETravel points\u003C\/div\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 \" 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.\",\"featuredTitle\":\"Travel points\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\n \u003C\/p\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 review\" 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 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 April 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, 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\n\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 \n\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\n\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.

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. 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.

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
  • $250 Hilton Resort statement credit
  • $250 airline fee credit
  • $100 property credit at participating Waldorf Astoria and Conrad Hotels & Resorts
  • Complimentary Diamond elite status
  • Complimentary access to 1,300+ airport lounges worldwide
  • 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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 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.\n \u003C\/p\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 Aspire review\" href=\"https:\/\/www.valuepenguin.com\/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. You'll also get \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Top Benefits of Hilton Diamond Status\" 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.\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 $250 Hilton Resort statement credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $250 airline fee credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $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\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 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\n\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\n\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 no annual fee

Hilton Honors American Express Card

$0

15.74%-24.74% Variable

Excellent

  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • 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, U.S. supermarkets, and 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.

80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.

ValuePenguin's verdict

The Hilton Honors American Express Card packs an amazing amount of value for a no-annual-fee card. For starters, it comes with a really generous welcome offer, which we estimate to be worth around $400 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. 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 $400
  • 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 no annual fee
  • Foreign transaction fee: None
  • Benefits and rewards have limited value for those who don't stay frequently with Hilton
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EHilton Honors American Express 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ENo annual fee\u003C\/div\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\/923?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Hilton Honors American Express Card\"\u003E\u003Cimg alt=\"Hilton Honors American Express Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4332.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\/923?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\/hilton-honors-credit-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$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\"\u003E15.74%-24.74% 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-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\u003EEarn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\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, U.S. supermarkets, and 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\",\"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 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\\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, U.S. supermarkets, and 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\",\"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.\",\"featuredTitle\":\"No annual fee\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.\n \u003C\/p\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 review\" 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 no-annual-fee card. For starters, it comes with a really generous welcome offer, which we estimate to be worth around $400 in Hilton hotel stays. Secondly, even considering the inflated value of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors rewards program guide\" 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. The guaranteed elite status with Hilton year after year makes this card a keeper.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of Hilton Honors American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" 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 \n \u003C\/p\u003E\n\u003C\/div\u003E\n\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\"\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 $400\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 no annual fee\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\n\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 \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business travel credit card

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.

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
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EInk Business Preferred℠ 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EBusiness travel\u003C\/div\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\/1112?url=_travel_best-travel-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Ink Business Preferred\u2120 Credit Card\"\u003E\u003Cimg alt=\"Ink Business Preferred\u2120 Credit Card\" class=\"Image--root \" 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 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\"\u003E15.99%-20.99% 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-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. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\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\",\"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.\",\"featuredTitle\":\"Business travel\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.\n \u003C\/p\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 review\" 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\n\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\n\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 on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

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

ValuePenguin's verdict

The American Express® Gold Card is one of the best options if you want to earn big on dining and groceries 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.

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

  • Generous welcome bonus
  • Earn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, 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.
  • 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ETravel and dining\u003C\/div\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 \" 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 on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.\u003C\/li\u003E\u003Cli\u003EEarn 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\u003E$120 Uber Cash: 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\u003EEarn 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com.\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 on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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\\u003E$120 Uber Cash: 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\\u003EEarn 3X Membership Rewards\\u00ae points on flights booked directly with airlines or on amextravel.com.\\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.\",\"featuredTitle\":\"Travel and dining\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 60,000 Membership Rewards\u00ae; Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\n \u003C\/p\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=\"The American Express\u00ae Gold Card: A Premier Card 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 groceries but prefer to spend your rewards on travel. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Membership Rewards guide\" 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 guide\" 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\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of American Express\u00ae Gold Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" 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 \n \u003C\/p\u003E\n\u003C\/div\u003E\n\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\"\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 Points on Restaurants worldwide, including takeout and delivery. Additionally, 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.\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\n\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\n\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

$550

See Pay Over Time APR

Excellent/Good

  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • 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.
  • $550 annual fee.
  • Terms Apply.

Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.

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 $15 per month for Uber or Uber Eats ($35 in December), but only within the United States. The airline fee credit 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, you'll also get access to Delta Sky Club lounges (when flying Delta), and American Express lounges, including Amex Centurion lounges.

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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel.
  • 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®
  • $100 hotel credit with The Hotel Collection
  • Gold elite status with Marriott Bonvoy and Hilton Honors
  • Trip delay/cancellation insurance, as well as emergency medical transportation coverage for travel booked through the Premium Global Assist® Hotline
  • Terms apply
  • $550 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003ELounge access\u003C\/div\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 \" 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-charge-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$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\"\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 75,000 Membership Rewards\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy 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.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\u003C\/li\u003E\u003Cli\u003E5X Membership Rewards\u00ae Points on prepaid hotels booked with American Express Travel.\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\u003C\/li\u003E\u003Cli\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\u00ae program at over 1,100 properties . Learn More.\u003C\/li\u003E\u003Cli\u003EGet 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.\u003C\/li\u003E\u003Cli\u003E$550 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\":\"$550\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-charge-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\\u003EEarn 75,000 Membership Rewards\\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards\\u00ae\\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\\u003C\\\/li\\u003E\\u003Cli\\u003E5X Membership Rewards\\u00ae Points on prepaid hotels booked with American Express Travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\\u00ae program at over 1,100 properties . Learn More.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 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.\\u003C\\\/li\\u003E\\u003Cli\\u003E$550 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.\",\"featuredTitle\":\"Lounge access\",\"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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months. \n \u003C\/p\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: 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 $15 per month for Uber or Uber Eats ($35 in December), but only within the United States. The airline fee credit 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, 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 \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Full List of Amex Centurion Lounges\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmex Centurion lounges\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\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=\"here\" 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 \n \u003C\/p\u003E\n\u003C\/div\u003E\n\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\"\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 and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel.\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 $100 hotel credit with The Hotel Collection\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Gold elite status with Marriott Bonvoy and Hilton Honors\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\n\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 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\n\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

  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • 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

Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months

ValuePenguin's verdict

The Capital One Venture Rewards Credit Card is an easy, flexible travel credit card with valuable rewards, making it a solid option for newcomers to the credit card rewards game. 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--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EBeginners\u003C\/div\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 \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4623.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\u003EEarn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months\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\\u003EEarn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months\\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.\",\"featuredTitle\":\"Beginners\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4623.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=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months\n \u003C\/p\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\/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 a solid option for newcomers to the credit card rewards game. 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 Announces New 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\n\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\n\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 fair credit

Capital One Platinum Credit Card

No transaction fees for purchases outside the U.S.

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
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One Platinum Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n No transaction fees for purchases outside the U.S.\n \u003C\/p\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\u00ae Platinum Credit Card\" 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\n\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 \n\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\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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. There are three main types of travel credit cards: hotel credit cards, airline credit cards and flexible points credit cards.

Hotel credit cards are co-branded with a hotel chain and earn points that can be redeemed for stays at that hotel. The best hotel credit cards will help you accumulate hotel points quickly while also providing 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.

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 and also 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.

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. These credit card points are worth 1 cent each on average and can be redeemed through the card's travel portal for hotels, flights, rental cars and sometimes cruises and activities. Some of these cards also allow you to transfer your points to a long list of airline and hotel transfer partners.

Why get a travel credit card?

Travel credit cards can help you save money on hotels, flights and more, all while making travel more comfortable with perks like elite status and airport lounge access.

In addition to making travel more affordable and enjoyable, the best travel credit cards also give you critical protection with features like trip cancellation insurance and emergency evacuation coverage. 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 will undoubtedly be beneficial.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"Why\"\u003EWhy get a travel credit card?\u003C\/h2\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--black\"\u003E\n Travel credit cards can help you save money on hotels, flights and more, all while making travel more comfortable with perks like elite status and airport lounge access.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIn addition to making travel more affordable and enjoyable, the best travel credit cards also give you critical protection with features like \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Card Travel Insurance: Who and What's Covered\" href=\"https:\/\/www.valuepenguin.com\/travel\/credit-card-travel-insurance-who-and-whats-covered\"\u003Etrip cancellation insurance\u003C\/a\u003E\u003C\/span\u003E and emergency evacuation coverage. It's important to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cash Back, Miles, or Points: Understanding the Different Credit Card Rewards\" href=\"https:\/\/www.valuepenguin.com\/travel\/cashback-miles-points-difference\"\u003Eunderstand the difference between cash back, miles and points\u003C\/a\u003E\u003C\/span\u003E 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 will undoubtedly be beneficial.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Points and miles strategy 101

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. Are you looking to earn rewards that will go toward a specific vacation you have planned?
  2. Do you want to save money on your annual visits to your parents?

Maybe you simply travel often and want to stockpile points and miles without a specific trip in mind.

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 prefer more flexible credit card points. 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.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ETo be or not to be loyal?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYou'll need to figure out whether you're willing to stick with a specific airline or hotel chain, or prefer more flexible credit card points. 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.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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 the Atlanta airport is a hub for Delta 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 out of, through and to. 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.

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.

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, Embassy Suites, the Waldorf Astoria and the 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 chains 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.

How to choose a travel credit card

When choosing the best travel credit card, make sure to look at its long-term value. Does 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

{"backgroundColor":"gray","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--black\"\u003E\n When choosing the best travel credit card, make sure to look at its long-term value. Does 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.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u2014 Stella Shon, ValuePenguin's travel expert\n","padding":"double"}

Types of rewards

You'll need to decide whether you want to earn hotel points, airline miles or flexible points that can be used for a variety of travel purchases. 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 boxing yourself into one brand.

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
{"alignsHorizontal":[],"alignsVertical":["top","top","top"],"columnWidths":["20%","40%","40%"],"data":[["","Pros","Cons"],["Airline miles","Earn airline-specific perks, such as free checked bags or priority boarding","Locks you into one airline"],["Hotel points","Earn hotel-specific perks, such as room upgrades or elite status","Locks you into one hotel chain"],["Travel rewards","Most flexible rewards currency with the ability to transfer to airline partners or book any type of travel","No brand-specific perks"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

While a hotel credit card will typically earn bonus points on more narrow categories, like spending at one specific hotel chain, some cards will 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.

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.

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.

One of the most important factors to consider is each card's earning categories. You want to go for a card that earns big on your main spending categories. It can be smart to estimate your annual spending in major categories like travel, dining, groceries and gas, and then compare the best travel credit cards by doing the math to figure out how much you'd earn in a year with each one.

Foreign transaction fees are definitely worth considering if you travel abroad. Cards that charge this fee typically charge 3% on every purchase made while in a foreign country, meaning you're shelling out $30 for every $1,000 spent while overseas. International travelers should have at least one card on hand that doesn't charge these fees, and luckily, the best travel rewards credit cards don't have foreign transaction fees.

If you're going to be traveling, particularly internationally, you want to make sure you have a credit card that's widely accepted. Visa and Mastercard are accepted almost anywhere that takes credit cards. American Express is catching up, but there are still some regions where merchants are less likely to accept an Amex card. Finally, there are still a lot of popular travel destinations that don't accept Discover, although they're beginning to expand their reach.

It might not be the first thing you consider, but having extensive credit card travel insurance can really save your tail in the event of trip delays or a travel emergency. It can also save you money.

Having 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 tend to rent cars when you travel. Luggage protection is crucial if you check a bag, as airlines typically don't offer much for delayed or lost bags. Finally, 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
{"alignsHorizontal":[],"alignsVertical":["top","top","top","top"],"columnWidths":[],"data":[["","Car rental insurance","Luggage protection","Trip interruption\/cancellation insurance"],["Chase Sapphire Reserve\u00ae","Primary","Up to $3,000 per passenger for lost luggage","Up to $10,000 per person and $20,000 per trip"],["The Platinum Card\u00ae from American Express","Secondary","Up to $3,000 per covered person","$10,000 per covered trip and up to $20,000 per 12 months"],["Capital One Venture Rewards Credit Card","Secondary","Up to $3,000","None"],["Citi Prestige\u00ae Credit Card","None","None","None"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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

One oft-forgotten benefit offered by the best travel credit cards is up to a $100 credit for Global Entry or TSA PreCheck application fees. Credit cards that offer free Global Entry and TSA Precheck are more common than ever, so it's worth seeking this out.

Frequent travelers should look for travel credit cards that stack up lots of benefits. 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, beverages and sometimes showers and beds offered by these lounges can actually save you money while you travel. Other benefits worth looking for include free checked baggage (if you tend to check a bag) and elite status with major airlines or hotel chains.

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 adding up the monetary value of the rewards you'd likely earn in a year and subtracting any fees. This gives you a clear idea of which card will save you more money.

After that, you can consider any additional benefits offered by the card, such as travel insurance, airport lounge access and elite status, and decide how much those benefits are worth to you. The table below gives you an example of how to compare two similar travel credit cards to figure out which one comes out on top.

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.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003ENote that the first-year value will skew heavily in favor of cards that include a sign-up bonus \u2014 make sure to consider how much value the card has beyond the first year.\n","padding":"double"}

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)26,000 (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.
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.
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$990$1,530
Annual fee$99$95
First year value$891$1,435
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
{"alignsHorizontal":[],"alignsVertical":["top","top","top"],"columnWidths":["30%","35%","35%"],"data":[["","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Southwest Rapid Rewards\u00ae Premier Credit Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4507.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4507.png\",\"name\":\"Southwest Rapid Rewards\\u00ae Premier Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Southwest Rapid Rewards\u00ae Premier Credit Card: Is it Worth the Annual Fee?\" href=\"https:\/\/www.valuepenguin.com\/travel\/southwest-rapid-rewards-premier-credit-card\"\u003ESouthwest Rapid Rewards\u00ae Premier Credit Card\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Chase Sapphire Preferred\u00ae Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4288.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4288.jpg\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\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"],["\u003Cstrong\u003EEarning rate\u003C\/strong\u003E","Earn 2 points per $1 spent on Southwest\u00ae purchases and Rapid Rewards\u00ae 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"],["\u003Cstrong\u003EPoints\/miles earned\u003C\/strong\u003E ($2,000 Southwest flights, $2,000 dining, $14,000 other purchases)","26,000 (including 6,000-point anniversary bonus)","22,000"],["\u003Cstrong\u003ESign-up bonus\u003C\/strong\u003E","Earn 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.\n\u003Cbr\u003E\n\u003Cbr\u003E\n6,000 bonus points after your Cardmember anniversary.","Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening."],["\u003Cstrong\u003ERedemption options\u003C\/strong\u003E","Southwest airfare","Chase Ultimate Rewards travel for 25% more value, cash back for 1 cent per point, transfer to 13 travel partners, including Southwest"],["\u003Cstrong\u003ETarget redemption option\u003C\/strong\u003E","Southwest airfare (worth 1.5 cents\/point)","Southwest airfare (worth 1.5 cents\/point)"],["\u003Cstrong\u003EValue of rewards\u003C\/strong\u003E","$990","$1,530"],["\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E","$99","$95"],["\u003Cstrong\u003EFirst year value\u003C\/strong\u003E","\u003Cstrong\u003E$891\u003C\/strong\u003E","\u003Cstrong\u003E$1,435\u003C\/strong\u003E"],["\u003Cstrong\u003EOther benefits\u003C\/strong\u003E","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Secondary car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Lost luggage reimbursement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Baggage delay insurance\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Primary car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trip cancellation\/interruption insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Baggage delay insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trip delay insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Lost luggage reimbursement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free DashPash subscription for one year\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1148?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\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\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/1148?url=_travel_best-travel-credit-cards\",\"name\":\"Southwest Rapid Rewards\\u00ae Premier Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/92?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\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\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"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"]],"footnote":"","hasMarginBottom":true,"isExpandable":false,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Points and miles during COVID-19

In the midst of the COVID-19 pandemic, frequent travelers stuck at home are wondering what to do with the points and miles they've accumulated, with some deciding that travel credit cards are no longer worth it. A recent ValuePenguin survey on travel credit cards in the age of coronavirus shows that millennials are most worried about losing their credit card points. The majority of cardholders are concerned about perks or points expiring, although less than half fear that they'll lose rewards because the airline, hotel or card provider might go bankrupt.

The good news is that travel credit card issuers, such as Chase and American Express, are responding to the pandemic by prolonging expiration dates and temporarily restructuring rewards. Also, many airline and hotel programs have temporarily suspended expiration of their points and miles. Cards that offer annual travel credits are allowing cardholders to use those credits for other purchases, and many travel credit cards are temporarily offering bonus points on more relevant earning categories like groceries, food delivery and streaming services. Some of the best travel credit cards are also upping the value of nontravel redemptions, so check to see if your card is offering any new redemption options that better fit your current needs.

Overall, unless you need to cash out your rewards for an emergency, it's best to sit tight with those valuable points and miles until you can travel again.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn the midst of the COVID-19 pandemic, frequent travelers stuck at home are wondering \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Points And Miles Strategy During the Coronavirus Outbreak\" href=\"https:\/\/www.valuepenguin.com\/travel\/points-and-miles-strategy-coronavirus\"\u003Ewhat to do with the points and miles\u003C\/a\u003E\u003C\/span\u003E they've accumulated, with some deciding that travel credit cards are no longer worth it. A recent ValuePenguin survey on \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"41% of Millennial Travel Credit Cardholders Closed Their Card Due to Pandemic\" href=\"https:\/\/www.valuepenguin.com\/travel\/cardholders-close-cards-coronavirus\"\u003Etravel credit cards in the age of coronavirus\u003C\/a\u003E\u003C\/span\u003E shows that millennials are most worried about losing their credit card points. The majority of cardholders are concerned about perks or points expiring, although less than half fear that they'll lose rewards because the airline, hotel or card provider might go bankrupt.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Ciframe\n class=\"ShortcodeIframe--root \"\n height=\"540\"\n src=\"https:\/\/infogram.com\/1pnmwdpmj6lprdfzpy0w1eg6mntm7zywwy7\"\n title=\"infogram\"\n width=\"760\"\n\u003E\u003C\/iframe\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe good news is that travel credit card issuers, such as Chase and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex offers limited time benefits on Amex cards in response to coronavirus\" href=\"https:\/\/www.valuepenguin.com\/news\/amex-limited-time-offers-coronavirus\"\u003EAmerican Express\u003C\/a\u003E\u003C\/span\u003E, are responding to the pandemic by prolonging expiration dates and temporarily restructuring rewards. Also, many airline and hotel programs have temporarily suspended expiration of their points and miles. Cards that offer annual travel credits are allowing cardholders to use those credits for other purchases, and many travel credit cards are temporarily offering bonus points on more relevant earning categories like groceries, food delivery and streaming services. Some of the best travel credit cards are also upping the value of nontravel redemptions, so check to see if your card is offering any new redemption options that better fit your current needs.\u003C\/p\u003E\n\n\u003Cp\u003EOverall, unless you need to cash out your rewards for an emergency, it's best to sit tight with those valuable points and miles until you can travel again.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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 cash-back 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.

The information related to Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Hilton Honors American Express Aspire Card, Ink Business Preferred℠ Credit 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.

Elizabeth Aldrich is a personal finance writer specializing in credit cards, student loans, financial planning, and small business. Her work has appeared on The Motley Fool, Business Insider, Yahoo! Finance, and Bankrate. She’s an avid credit card points collector and ex-business traveler who now enjoys frequent trips abroad for leisure.

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).