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• Credit Cards

The 18 Best Travel Credit Cards in September 2024

Jarrod West

Senior Content Contributor

453 Published Articles 1 Edited Article

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Keri Stooksbury

Editor-in-Chief

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Director of Operations & Compliance

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Table of Contents

Best travel credit cards for first-time cardholders, best travel credit cards for luxury travelers, best value hotel-branded card, best travel credit cards for the everyday spender, best credit cards for travelers who want simple earnings and redemptions, best travel credit card for the low spender, best travel credit card for family roadtrippers, best travel credit card for the budget traveler, best travel credit card for the hotel loyalist, best business card for premium perks and lounge access, best business card for flexible bonus categories, best all-around business card, how we selected our list of best travel credit cards, what are travel credit cards how do they work, the difference between cash-back credit cards and travel credit cards, the different types of travel credit cards, the pros and cons of travel credit cards, when should you use a travel credit card, how to choose the best travel credit card, how to make the most of your travel rewards credit card, tips for getting approved for a travel rewards credit card, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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Let’s look at some of the  best travel rewards credit cards available in 2024 , review their perks and benefits , and consider which card might be the best one for you to sign up for.

Best Travel Credit Cards

• Chase Sapphire Preferred ® Card – Best for First-Time Cardholders
• The Platinum Card ® from American Express – Best for Luxury Perks and Airport Lounge Access
• Chase Sapphire Reserve ® – Best for Domestic Travelers
• Capital One Venture X Rewards Credit Card – Best for Priority Pass and Authorized Users
• American Express ® Green Card* – Great Starter Card
• Marriott Bonvoy Boundless ® Credit Card – Best Value Hotel-Branded Card
• American Express ® Gold Card – Best for the Everyday Spender (Restaurants and U.S. Supermarkets)
• Citi Strata Premier℠ Card – Best for the Everyday Spender (Broad Spend Categories)
• Capital One Venture Rewards Credit Card – Best for Simple Earnings and Redemptions
• Wells Fargo Autograph Journey℠ Card – Best for Earning Points on Travel
• Citi Double Cash ® Card – Best Fee-Free Card for Simple Earnings and Redemptions
• Blue Cash Everyday ® Card from American Express – Best for the Low Spender
• Blue Cash Preferred ® Card from American Express – Best for Family Roadtrippers
• Chase Freedom Unlimited ® – Best for Budget Traveler
• Hilton Honors American Express Aspire Card* – Best for the Hotel Loyalist
• The Business Platinum Card ® from American Express – Best Business Card for Premium Perks and Lounge Access
• American Express ® Business Gold Card – Best Business Card for Flexible Bonus Categories
• Ink Business Preferred ® Credit Card – Best All-Around Business Card

*The information regarding the American Express ®  Green Card and Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Chase Sapphire Preferred ® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

One of the most compelling reasons to sign up for a travel rewards credit card is to fund your travel goals, and one of the most valuable ways to accomplish this is to earn Chase Ultimate Rewards points . That’s because Chase Ultimate Rewards points are easy to earn and offer flexible redemption options .

This is a great card for first-time cardholders since you’ll earn 5x points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases, and select streaming services, plus 2x points on all other travel purchases.

When it comes time to redeem your Ultimate Rewards points — whether you’re transferring your points to the Chase travel partners or using the Chase travel portal to book your travel — the experience will make you a fan forever.

You can’t go wrong beginning your travel-rewards journey with any Chase credit card that earns Ultimate Rewards points. The Chase Sapphire Preferred card is an especially fine first choice because it allows you to redeem your points for 25% more in value. Plus, it comes with perks like a $50 annual Ultimate Rewards hotel credit , and bonus points equal to 10% of your total purchases made the previous year.

It’s difficult to find a downside to the Chase Sapphire Preferred card as it’s one of the most well-rounded travel rewards cards out there. If we had to dig deep and find any travel benefits that would make the card better, however, it would be that the card does not reimburse for Global Entry or TSA PreCheck fees or offer lounge access.

With that having been said, for a modest annual fee of $95 , the card provides exceptional value as a travel rewards card.

American Express ® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

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The American Express ® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards ® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

• 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
• Up to $199 per calendar year in statement credits after you pay for a CLEAR ® Plus membership with the Card.
• Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
• $150 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 40,000 Membership Rewards ® Points after you spend $3,000 in eligible purchases on your American Express ® Green Card within the first 6 months of Card Membership.
• Earn 3X Membership Rewards ® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards ® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards ® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $199 CLEAR Plus Credit: Receive up to $199 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express ® Green Card.
• $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express ® Green Card and receive up to $100 in statement credits annually.
• Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It ® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express ® Green Card there are no foreign transaction fees.
• $150 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

American Express Membership Rewards points are some of our favorite points to earn thanks to their wide variety of redemption options, and their ability to be redeemed with high-value AmexTravel.com partners.

Fortunately, the Amex Green card is great at earning points since it earns 3x points at restaurants worldwide, on all eligible travel purchases (including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals), and transit purchases (including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways).

Other great perks of the card include receiving up to a $199 annual CLEAR Plus statement credit to get you through airport security much faster, and up to a $100 annual LoungeBuddy credit allowing you to purchase access to select airport lounges worldwide.

We also love that the card includes rental car insurance, trip delay insurance, baggage protection, access to Amex Offers , purchase protection, and much more.

All information about the American Express ® Green Card has been collected independently by Upgraded Points.

Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey Card is a great option for those who love to travel and want to rack up as many points as possible on their travel purchases.

With it, you’ll earn 5x points on hotels, 4x points on airfare, 3x points on travel and dining , and 1x points on all other purchases. Further, unlike with competing cards, you do not need to make your hotel or airfare purchases through a specific travel portal to be eligible for bonus points — so you can choose whatever platform works best for you.

Plus, the Wells Fargo Autograph Journey card offers perks like a $50 annual statement credit with a $50 minimum airline purchase, up to $1,000 of cell phone protection , lost baggage insurance, auto rental collision damage waiver, access to the Wells Fargo Rewards transfer partners , no foreign transaction fees, and more, all for a low annual fee ( $95 ). 

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤

When you prefer the best travel experiences, you want only the best travel rewards card. If you’re an international traveler who won’t settle for anything less than a nice comfy seat, lounge access , and premium travel perks and benefits, you’re going to want the Amex Platinum card.

The benefits of the Amex Platinum card collectively create a stunning package of everything a luxury international traveler needs to elevate their travel experience.

Note that some benefits require enrollment through your American Express account.

• The Best Travel Earnings: With the Amex Platinum card, earning valuable Membership Rewards points is simple. Make your flight and prepaid hotel purchases through AmexTravel.com, and you’ll earn 5x points.
• The Best Lounge Access : Whether you want to visit a Delta Sky Club when flying Delta, a Priority Pass lounge upon enrollment, or treat yourself to a Centurion Lounge visit, your card will grant you access to over 1,400 lounges.
• Savor Those Upgraded Hotel Rooms: Enjoy the benefits of complimentary hotel elite status with Hilton Honors and Marriott Bonvoy upon enrollment.
• The Best Seat on the Plane: Purchase an upgraded seat and get reimbursed up to $200 for incidental airline fees each year (you can even upgrade with points ).
• Make Checked Luggage Fees Disappear: Use your airline fees credit for incidental airline fees reimbursed each year and forget about checked luggage fees or other incidental airline charges.
• Get an Uber Credit: Each month you’ll receive $15 in Uber Cash . In December, you receive $35, for a total of $200 annually.
• No Reservations? No Problem: Just call your private concierge .
• Ease Through Security: Purchase CLEAR Plus , Global Entry , or TSA PreCheck and receive a statement credit.
• Offset the Cost of Your Hotel Stay: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which require a minimum 2-night stay, through AmexTravel.com when you pay with your card.
• Enjoy Hotel Perks: Book a stay at a Fine Hotels + Resorts property via AmexTravel.com and receive a room upgrade, a $100 property amenity, late checkout, and more. For 2-night stays or more at The Hotel Collection , you’ll receive room upgrades and a $100 hotel experience credit.

There’s no doubt the Amex Platinum card has a high annual fee, however, the card does offer premium travel benefits that, if used, can more than offset that fee. And while the card offers many valuable statement credits, the airline incidentals credit can be difficult to use as it does not cover airline tickets.

We like the worldwide lounge access, especially Centurion Lounges. However, the Priority Pass membership, unlike Priority Pass Select memberships offered by other card issuers, does not include any participating restaurants.

Finally, although the card comes with a long list of special offers that can save you plenty of money, most offers require you to register or add an Amex Offer to your card in order to activate the offer.

Bottom Line: The Amex Platinum card sets the standard for a premium travel rewards card . If its benefits are some you can use, the value will far exceed the annual fee. There’s even a possibility of getting a 100,000- to 150,000-point welcome bonus offer for the Amex Platinum card ! 

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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 Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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 every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

The Chase Sapphire Reserve card is not just another premium travel rewards credit card. Yes, it earns rewards on travel and dining, offers a fine collection of premium travel benefits (including lounge access ), and grants annual statement credits for travel purchases.

But it also does something that no other travel rewards credit card does: when you redeem your points for travel on the Chase Travel portal, 50% more value is added to your points .

For example, if you redeem 60,000 Ultimate Rewards points, you’ll receive $900 in value toward your travel purchase.

While expensive long-haul premium flights can be better secured utilizing Ultimate Rewards airline transfer partners, a sweet spot for redeeming your Ultimate Rewards points is for first class domestic flights.

If you’re a frequent domestic traveler, this means you can basically travel in first class for the price of economy .

We should also talk about earning Ultimate Rewards, too, as the card is clearly a winner with earnings of 10x points on hotels, car rentals, and dining purchases through Chase Travel, 5x points on airfare through Chase Travel, and 3x points spent on all other travel and dining purchases. All other purchases earn 1x, and purchases using the Chase shopping portal can earn as much as 20x points .

Benefits of this card include a complimentary Priority Pass Select membership that includes access to over 1,400 network airport lounges worldwide, with more than 110 locations domestically.

A $300 travel credit each card anniversary year is easy to utilize and automatically reduces travel expenses. Plus, you’ll receive a statement credit of up to $100 for Global Entry, NEXUS, or TSA PreCheck , adding even more value.

Road warriors will find value in the additional travel coverage that comes with the card, including primary auto rental collision damage coverage and 24/7 travel and emergency assistance.

While the Chase Sapphire Reserve card also comes with a high annual fee, you’ll find plenty of premium travel benefits that provide value. We like that the card includes Minute Suites with its Priority Pass Select membership, but the card falls short of the Amex Platinum card when it comes to overall worldwide lounge access .

Additionally, the card does not offer hotel or airline elite status.

Bottom Line: The world traveler can certainly find value in having the Chase Sapphire Reserve card, but the frequent domestic traveler who likes to fly first class, enjoys Priority Pass lounge access, and spends a lot on travel and dining will fare very well by having the card. 

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

Packed with premium benefits a traveler can appreciate, such as elevated rewards for travel purchases and a generous welcome bonus offer to jumpstart your earnings, you’ll find value early on as a cardholder.

Your earning and redemption experiences are also enhanced significantly when you utilize the Capital One Travel portal . With an extraordinary 10x miles on hotels and rental cars, 5x miles on flights and vacation rentals, and an annual travel credit of $300 , it will pay to utilize the portal frequently.

The elevated earning on the card goes beyond Capital One Travel purchases with 2x miles per dollar spent on every other purchase . Plus, at your card anniversary, you’ll earn another 10,000 miles .

Additional redemption options allow you to transfer miles earned on your card to travel partners , most of which transfer at a ratio of 1:1.

As a Visa Infinite card , you’ll enjoy related benefits such as cell phone insurance , primary auto rental insurance , and travel insurance protections such as trip cancellation and interruption, trip delay reimbursement, and baggage delay reimbursement.

We also like that the card comes with complimentary Priority Pass Select membership, giving you access to over 1,400 lounges worldwide, and unique access to Capital One Lounges and Plaza Premium Lounges .

If you’ll utilize Capital One Travel, this premium card offers a lot of value for just a $395 annual fee ( rates & fees ).

The Capital One Venture X card does have a higher annual fee than most travel rewards cards, but the card is a nice value alternative to premium travel rewards cards that come with even higher fees.

Additionally, in order to receive the best earning and redemption values, you must utilize Capital One Travel. Booking via Capital One Travel can negate any hotel elite benefits or elevated earnings you would normally receive when booking directly.

Bottom Line: With a lower annual fee for a premium travel rewards card, the Capital One Venture X card could deliver plenty of value for the cardholder who will utilize the Capital One Travel portal for travel purchases and redemptions. 

Marriott Bonvoy Boundless ® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless ® Credit Card . The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status
• Marriott Silver Elite Status is the lowest status tier
• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy ® with the Marriott Bonvoy Boundless ® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• APR: 21.49%–28.49% Variable

Marriott Bonvoy

For the traveler who values choice when it comes to hotels, you won’t find a hotel chain with more properties around the world than Marriott . Plus, each year after your card anniversary, you’ll receive a complimentary hotel night certificate (good for up to 35,000 points in value).

We like that the card delivers plenty of earning potential, good-value redemption options, and lots of additional benefits without a high annual fee.

Additional benefits of having the Marriott Boundless card include:

• Complimentary Elite Status: 15 elite night credits per year toward a higher elite status, good for Silver Elite status
• Accelerated Earnings: Earn up to 17x points at participating Marriott hotels  and 2x points on all other purchases

You’ll also receive a variety of Visa Signature travel perks with the card, including:

• Roadside dispatch
• Auto rental collision damage waiver
• Travel and emergency assistance
• Baggage delay insurance and lost luggage reimbursement
• Travel accident coverage
• No foreign transaction fees

The Marriott Boundless card does come with a $95 annual fee, so utilizing the annual free night certificate would be critical to receiving full value from the card. Additionally, the Marriott Bonvoy Silver Elite status that comes with the card is the lowest level of status in the loyalty program.

Bottom Line:  If you’re loyal to a particular hotel brand, it makes sense to earn additional rewards on those hotel expenditures with a hotel-branded travel rewards credit card… especially when those rewards can be turned into more free nights. 

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
• $325 annual fee ( rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express ® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards ® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards ® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards ® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards ® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards ® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $84 Dunkin' Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express ® Gold Card at Dunkin’ locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express ® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.

Want a card that doubles as an everyday spending card and a travel rewards card? Get richly rewarded with the Amex Gold card that offers a stellar 4 points per $1 spent at U.S. supermarkets , up to $25,000 per calendar year (1x thereafter), and 4 points per $1 spent at restaurants , up to $50,000 per calendar year (1x thereafter).

As a traveler, there’s no need to be loyal to a single airline — with the Amex Gold card, you’re going to earn 3 points for every $1 spent for flights purchased directly from the airline and via AmexTravel.com.

You can also redeem those Membership Rewards points for travel with any airline or hotel and for other travel purchases at AmexTravel.com.

With a $325 annual fee ( rates & fees ), you can  offset that fee thanks to the card’s 4x rewards on dining and supermarket purchases, and fantastic annual credits:

• Up to $120 in Uber Cash for rides or eats orders in the U.S. (distributed as $10 per month)
• Up to $120 in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, & Five Guys (distributed as $10 per month)
• Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
• Up to $84 Dunkin’ credit redeemable at Dunkin’ locations (distributed as $7 per month)

If there’s another downside to the card, it might be that the card does not offer any type of lounge access — but we might be getting a tad critical.

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit
• $95 annual fee
• Earn 70,000 bonus ThankYou ® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases
• APR: 21.24%- 29.24% Variable APR

The Citi Strata Premier card earns 3x ThankYou Points on everyday purchases such as restaurants, supermarkets, gas stations, and EV charging stations. Plus, you’ll be earning 3x ThankYou Points on air travel and hotels, or e ven 10x points on hotels, car rentals, and attractions booked through  CitiTravel.com . If you spend a lot in these bonus categories, the card will offer strong earnings for your spending mix.

The card offers a generous welcome bonus and no foreign transaction fees. It also offers as a $100 hotel credit each calendar year for a single hotel stay of $500 or more.

Points can be redeemed for travel via the ThankYou portal or transferred to airline and hotel partners for greater potential value .

Hot Tip:  With so many different issuers in the travel credit card space, it’s a good idea to familiarize yourself with each bank’s specific rules before applying. 

Keeping track of bonus spending categories, quarterly registrations, and complicated redemption processes may have deterred you from securing a travel rewards-earning credit card.

If that’s the case, you’ll find these 2 travel rewards cards refreshingly simple:

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

The Capital One Venture Rewards Credit Card   is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• Global Entry or TSA PreCheck application fee credit
• $95 annual fee ( rates & fees )
• Limited elite benefits
• Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
• Earn 2x miles on every purchase
• Redeem miles for travel or transfer to airline partners
• Global Entry or TSA PreCheck fee reimbursement
• No foreign transaction fees ( rates & fees )

The only downside to the Capital One Venture Rewards card is that it has an annual fee of $95 ( rates & fees ). If you spend enough on the card, however, the ongoing fee should not be an issue.

Citi Double Cash ® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

The Citi Double Cash ® Card  has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points . This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee
• No bonus categories
• 3% foreign transaction fees
• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash ® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
• APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
• Foreign Transaction Fees:  3% of the U.S. dollar amount of each purchase

Citi ThankYou Rewards

• Earn a total of 2% cash-back on every purchase : 1% when you make a purchase and 1% when paying your card (earned as ThankYou Points)
• Unlimited earnings
• Redeem for cash-back, travel, a statement credit, or gift cards

We like that the card earns cash-back on every purchase you make on a daily basis. There are, however, no additional bonus categories to reward your highest purchases.

Cardholders can transfer ThankYou Points to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio, but will need a premium Citi ThankYou Point-earning cards to receive potentially higher value when transferring points to the full suite of travel partners.

The card also charges a 3% foreign transaction fee and does not come with any travel benefits or protections.

Bottom Line: To learn more about additional card options for Capital One travel rewards credit cards and Citi ThankYou Rewards cards , these articles expand on some of the most popular choices. 

Blue Cash Everyday ® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday ® Card from American Express  apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday ® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday ® Card.
• APR: 19.24%-29.99% Variable,0% on purchases for 15 months
• Foreign Transaction Fees:  2.7% of each transaction after conversion to US dollars.

You don’t have to be a big spender to earn travel rewards. With a relatively low minimum spend requirement , once you’re approved for the Amex Blue Cash Everyday card, you can earn a welcome bonus and jumpstart the rewards-earning process.

Perhaps you haven’t pursued a rewards-earning credit card because you don’t spend a lot and might be wondering whether it’s worth the effort at all. You may be surprised to learn that the purchases you’re already making can earn rewards to help you fund a trip, or just add some cash to your bottom line.

Because you’ll be earning rewards on your everyday purchases with the Amex Blue Cash Everyday card, you don’t have to spend big for the cash-back to start adding up. On groceries alone, you’ll earn $180 after getting 3% back from $6,000 in annual purchases at U.S. supermarkets .

Cash-back is the most liquid form of rewards you can earn. Whether your travel goal is a weekend trip away with the family or a flight to visit an old friend, you can utilize the cash-back you earn on the Amex Blue Cash Everyday card to help offset the cost of your adventure.

Unfortunately, redeeming cash-back is limited compared to flexible rewards points that could be transferred to travel partners for the potential to earn greater value. You won’t have this option with cash-back.

Hot Tip:  If you’re working toward a travel goal and using a cash-back credit card , you may want to purchase gas, hotel, or other travel-related gift cards with your rewards to help save for your trip. 

Blue Cash Preferred ® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

The Blue Cash Preferred ® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases , this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases , this could be the card for you!

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
• $0 intro annual fee for the first year, then $95 annual fee ( rates and fees )
• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It ® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• APR: 19.24%-29.99% Variable,0% on purchases for 12 months

Redeem cash-back through your American Express account

It’s Friday afternoon and the workweek is done. You’re ready to high-five the family when you arrive home because you’re hitting the road for a weekend adventure . It doesn’t happen often … but this weekend it’s on!

We’re certain the Amex Blue Cash Preferred card was created with family roadtrippers in mind. After all, you’ll earn cash-back on all the purchases you’ll be making during your trip, and you can use the cash-back you earned previously on everyday expenses to actually help fund your trip.

It’s a win-win cash-back solution for the family that hits the road together or those who just want a little extra cash flow.

Earning 6% cash-back on U.S. supermarkets (up to $6,000 per year, then 1%) delivers up to $360 each year in cash-back. Add all the cash you’ll earn with 3% cash-back on your U.S. gas stations, and you’ll have plenty of travel funds for that weekend road trip.

Not only do you earn cash-back at U.S. supermarkets and U.S. gas stations, but the card also offers 6% cash-back on select U.S. streaming subscriptions and 3% cash-back on transit , including taxis and rideshares, parking, tolls, trains, buses, and more.

The Amex Blue Cash Preferred card just might make you a family road trip hero!

The card does have an annual fee, so you’ll need to be spending enough on the card to offset that fee. We also prefer flexible rewards for the purpose of receiving potentially higher value at redemption time, but if you’re just trying to earn cash-back to help fund a family vacation, this card could work just fine for that purpose. Families can also take a look at our in-depth guide on the best credit cards for families for additional card choices.

Chase Freedom Unlimited ®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 3% foreign transaction fee
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees:  3% of each transaction in U.S. dollars

Do you like to travel but have a tight budget? The Freedom Unlimited card has a little secret that might help you out.

The Freedom Unlimited card earns 5% back on travel purchased through the Chase Travel portal, 3% on dining and drugstore purchases , plus 1.5% back on all other purchases that fall outside of these bonus categories.

The trick is, the cash-back you earn on all of your purchases with the Freedom Unlimited card is not just cash-back; it can be redeemed for travel or transferred to Chase premium credit cards for even greater value.

If you like to travel on a budget, Ultimate Rewards points are perfect for securing economy flights on the Chase Travel portal. Booking travel is easy, and you can redeem your points for airline tickets, hotels, car rentals, and travel experiences.

To step up the value of your Ultimate Rewards points, you can transfer them to a Chase premium card such as the Chase Sapphire Reserve card or the Chase Sapphire Preferred card where the value of your Ultimate Rewards Points is increased by up to 50% more (see our example below). You’ll also have the option to then transfer your points to airline and hotel partners for even greater potential value.

With no annual fee, a simple earning structure, and the value you can receive when redeeming Ultimate Rewards Points (or transferring points to premium Chase cards), the Freedom Unlimited card is a fine choice for the budget traveler.

Normally, we wouldn’t recommend a card that charges a 3% fee on foreign transactions as a good choice for a travel rewards card. However, the card earns well on everyday purchases (and more), making it easy to accumulate a lot of rewards. Then, when paired with a premium Chase card, as mentioned above, your rewards will go much further.

Bottom Line:  When redeeming Ultimate Rewards points for travel, you can pick any airline, hotel, or travel experience without worrying about award availability or blackout dates — redeeming your points is just like paying with cash. You’ll also be earning frequent flyer miles!

If Hilton is your hotel brand of choice, you’ll be happy to learn that the perks and benefits you receive in its Hilton Honors loyalty program will be elevated to a new level when you carry and use one of its hotel-branded credit cards .

Let’s take a look at how your experience can be enhanced by signing up for a hotel-branded credit card.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists , but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

• 14x points per $1 on Hilton purchases
• 7x points per $1 on select travel and at U.S. restaurants
• 3x points per $1 on all other eligible purchases
• High annual fee of $550
• Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card in the first 6 months of Card membership
• Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio
• Earn 7x Hilton Honors Bonus Points for eligible travel purchases: on flights booked directly with airlines or AmexTravel.com and on car rentals booked directly from select car rental companies
• Earn 7x Hilton Honors Bonus Points on dining at U.S. restaurants, including takeout and delivery
• Earn 3x Hilton Honors Bonus Points for other eligible purchases on your card
• Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio
• Enjoy complimentary Diamond status
• $550 annual fee
• APR: 20.99% - 29.99% Variable

It’s unusual that a credit card alone would grant top elite status to the cardholder, especially without a required level of spending each year — but that’s exactly what you’ll receive by having the Hilton Aspire card. And it’s not the only premium benefit that comes with this card!

• Top Diamond Elite Hilton Honors status:  Valid for as long as you have the card, you’ll receive room upgrades (including suites), breakfast, hotel amenities, bonus points, internet, and more. Diamond elite members receive 20x Hilton Honors points at Hilton properties, and the Hilton Aspire card elevates that to a total of 34x points.
• Free Hotel Room Nights: Receive 1 free hotel room night each card anniversary year, plus another when you spend $60,000 on the card each year. You’ll also receive your fifth night free when booking award nights with your points.
• Airline and Hotel Statement Credits: Get up to $200 in airline credit, up to $400 Hilton resort credit , up to $199 Clear PLUS credit, and a $100 property credit at Conrad or Waldorf Astoria properties. .

The Hilton Aspire card comes with a high annual fee, so you would only want to have the card and pay that annual fee if you’re a Hilton loyalist who can realize most of the Hilton-centric benefits that come with the card.

That said, earning Hilton Honors points is easy: you’ll receive 14x points at Hilton properties ; 7x points on airlines, AmexTravel.com purchases, U.S. restaurants, and U.S. rental cars; and 3x points on all other purchases.

Redeem your Hilton Honors points for the best value by booking free hotel nights with points or with cash and points. Our expert guide on the best ways to redeem your Hilton Honors points will help make sure you receive maximum value at redemption time.

All information about the Hilton Honors American Express card has been collected independently by Upgraded Points .

Amex Business Platinum Card

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges , along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 ( rates & fees )
• Airline fee credit does not cover airfare, only incidentals like checked bags
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR ® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• APR: 19.49% - 28.49% Variable

The Amex Business Platinum card is an excellent option for business owners who travel often enough to take advantage of the  luxury travel perks  offered by the card. This includes perks like airport lounge access, hotel elite status, rental car elite status, up to $200 airline incidental credit, a  35% rebate with Amex Pay With Points, and 5x points on flights and prepaid hotels on AmexTravel.com.

While the card does charge a rather large annual fee, most business owners find they are able to get far more value out of it thanks to its range of annual credits with merchants like Dell , Indeed , Adobe , CLEAR Plus, and for wireless phone services.

When you look at everything the Amex Business Platinum card has to offer, it’s easy to see why it’s our pick for one of the best business credit cards .

Amex Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

The American Express ® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW!  U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW!  Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection
• $375 annual fee ( rates and fees )
• No elite travel benefits like airport lounge access or elite status
• Welcome Offer: Earn 100,000 Membership Rewards ® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
• Earn 4X Membership Rewards ® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply
• APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening

When it comes to earning rewards, the Amex Business Gold card is easily one of the best options on the market.

This card earns  4x Membership Rewards points on the top 2 categories in which your business spends the most every month  (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

Even if your spending habits change month to month, you’ll always earn 4x points on your top 2 spend categories , with no need to preselect them. Plus, you’ll earn 3x points on flights and prepaid hotels booked via AmexTravel.com.

Cardholders also receive up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores , and up to $155 Walmart+ credit .

Ink Business Preferred Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• 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 Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

If you’re looking for a one-size-fits-all business card, the Ink Business Preferred card might be the perfect option for you.

Not only is it great at earning points thanks to its 3x points on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites, but it also offers great redemption options . Cardholders can choose to redeem their points for cash-back, through the Chase travel portal with a 25% bonus, or via one of the Chase transfer partners.

Plus the card offers benefits like primary rental car insurance, cell phone protection , trip delay insurance, free employee cards, purchase protection, and more.

There are several factors we use to determine our choices for the best travel rewards cards. Some of the most important factors include the level of associated travel benefits, earnings structure, best credit card bonus offers , fees, and travel redemption value.

Here is some insight into our thought process when selecting the best travel rewards cards:

Associated Travel Benefits

The top travel rewards cards will offer benefits that can make your travel more comfortable, save a traveler money, or provide protection should something go wrong during the journey. Benefits such as worldwide lounge access , travel statement credits , elite-style hotel and airline benefits or status , and travel insurance are just some examples of travel perks we look for.

Earnings Structure

We look for cards that earn well and either offer bonus earnings on travel purchases or have other bonus categories that provide for accelerated earnings. A good travel rewards card could also have flat-rate earnings on all purchases, making it easy to accumulate travel rewards on everyday purchases.

Welcome Bonus Offers

A card’s welcome bonus offer is a unique opportunity to earn a large number of rewards in a short period of time. Welcome offers do play a role when we select a travel rewards card to recommend. We’ll provide you with the current welcome offer information available to us for each card, but we also encourage you to confirm the offer and review any earnings offers before applying for any card.

The best travel rewards cards come with premium travel benefits, but you’ll also be paying a higher annual fee for those benefits. It’s important that the benefits offered by a travel rewards card could potentially offset any annual fee you’ll be paying. The best travel rewards cards also do not charge foreign transaction fees , although a card that does could still provide good value for domestic travel and offer good redemption for international travel.

Travel Redemption Value

A card will score high if it earns flexible rewards that allow for several options at redemption time. The best travel rewards cards provide the option to redeem points directly for travel, provide a bonus for rewards redeemed via a travel portal, allow rewards to be redeemed for statement credits for travel purchases, or allow the transfer of rewards to airline and hotel partners for the opportunity to receive the greatest potential value.

Hot Tip: You can read more about Upgraded Points’ credit card rating approach in our detailed guide.

Travel rewards credit cards earn points or cash-back on every dollar charged to the credit card. They’re called travel rewards credit cards because you either earn points or cash on travel-related purchases, redeem points or cash for travel, or both.

Travel rewards credit cards can earn points or cash-back for travel purchases, dining, gas, groceries, or other categories. The rewards can be used for free travel or to offset the cost of travel.

This should feel relatively straightforward, and it is! Cash-back credit cards are designed for those looking to earn cash-back on all of their daily purchases, and travel rewards cards are for those looking to earn rewards redeemable towards travel purchases.

While there are many travel rewards cards that offer the ability to redeem your points towards cash-back, you’ll often get significantly better value when redeeming them towards travel.

Further, it’s common for cash-back credit cards to not charge an annual fee , while most travel credit cards do charge an annual fee. Given that, travel rewards cards make the most sense for people who travel often enough that the rewards and card benefits will easily outweigh the annual fee.

When it comes to travel rewards credit cards, there are 4 main categories that nearly every card will fall into: transferable rewards cards, fixed-value rewards cards, airline cards, and hotel cards.

Transferable Rewards Cards 

Transferable rewards cards are offered by programs that include a wide array of airline and hotel transfer partners to which you can move your points. These include cards from programs like American Express Membership Rewards , Bilt Rewards , Capital One Miles , Chase Ultimate Rewards , and Citi ThankYou Rewards .

These cards are often rated as the very best travel credit cards in our view, due in large part to their flexibility. One of the best ways to consistently get great value out of travel rewards is by having multiple redemption options, and transferable travel rewards cards offer you that.

Fixed-Value Rewards Cards

A fixed-value rewards card is any that earns points in a program that offers you a predetermined value towards travel purchases when you redeem your rewards. One such program is Bank of America Preferred Rewards , which offers you a fixed 1 cent per point in value towards any travel redemptions you make through its travel portal.

Programs with fixed-value rewards take much of the complexity of the equation when it comes to redemptions, but what you make up for in ease-of-use, you lose the upside by not having access to higher-value redemptions that transferable programs offer.

Airline Cards

An airline credit card is one tied to a specific airline, which only earns points or miles for that airline alone. Further, all perks of the card will be tied to its airline, and popular features are free checked bags, early boarding, discounts on inflight purchases, and more.

Airline cards are a great option for those who are loyal to one airline and are working towards reaching high levels of elite status with that airline.

Hotel Cards

Similar to airline cards, hotel cards are tied to a specific hotel chain, and all of the rewards you earn are redeemable at hotels within that hotel chain.

Hotel cards can be a great way of enhancing your hotel stays, even on paid stays, as they often offer some level of complimentary elite status, which might offer benefits like late checkout, room upgrades, free breakfast, and more, depending on the hotel program.

Pros of Getting a Travel Rewards Card

• Rewards cards allow you to travel farther, and better, for less. Using points and miles can make any travel destination attainable, and you can even fly there in style in first or business class for a fraction of what a cash ticket would usually cost.
• Welcome bonuses kickstart your travel savings. Most travel rewards credit cards come with very lucrative welcome bonuses that you receive after meeting a minimum spend requirement. These bonuses alone can be enough points for a free business class flight or multiple free nights in a luxury hotel.
• Enhance your travel experiences.  Having a travel rewards card can help make the whole experience of travel much nicer for you by giving you airport lounge access, an expedited airport security experience, and hotel elite status.
• Save money each time you fly. Travel rewards cards, specifically airline cards, can help you save money each time you fly by offering you perks like free checked bags, free seat selection, discounts on inflight purchases, and priority boarding.
• No foreign transaction fees.  If you’re going to be traveling overseas, the last thing you want to do is use a card that charges foreign transaction fees, as it can add an extra 3% to all of your purchases. This is where travel rewards cards come in handy, as any card worth its salt won’t charge foreign transaction fees.

Cons of Getting a Travel Rewards Card

• Rewards cards charge annual fees.  Most travel rewards credit cards charge an annual fee, and the very best cards can charge annual fees of $550 to $695. Put simply, if you don’t travel often enough such that the benefits you receive from the card easily outweigh the annual fee you pay, then a travel rewards card probably wouldn’t be worth it for you.
• Rewards redemptions can be complicated.  Making strategic use of your points through transfer partners, tracking down award space, navigating airline alliances, and more can all be quite complicated at times. There is definitely a degree of difficulty added in for those looking to make the most out of their travel rewards points. That said, the juice is definitely worth the squeeze.
• Not ideal for those who don’t pay their balance off in full.  Travel rewards cards usually carry much higher interest rates than other types of credit cards. That said, if you pay your balance off in full each and every month, this should make little difference to you. On the other hand, if you’re not sure that you can pay your balance off in full every month, then travel rewards credit cards are not for you.

You should use a travel rewards credit card if you fall into the following 3 criteria:

• You love to travel and want to earn travel rewards for every purchase you make that you can later redeem for free flights and hotel stays.
• You travel often enough that, even though most travel rewards cards charge an annual, you know you’ll easily get more value out of the card thanks to benefits like airport lounge access, travel credits, hotel elite status, expedited airport security, and more.
• When you receive your credit card statement, you pay it off in full each and every month so that you never pay interest on your purchases.

If you meet all of those 3 criteria, then you likely should be using a travel rewards credit card.

If you’re still struggling to decide which travel rewards credit card is best for you, here are some tips to help you decide.

Consider What Rewards You Want To Earn — Transferable or Co-Branded

One of the biggest items to consider is the type of rewards you want to earn. Do you regularly fly with a certain airline or stay at a specific hotel chain and want a card that earns rewards and provides benefits that are specific to that airline or hotel? If so then you should opt for a co-branded travel rewards card.

If your travel patterns have more variation, or you simply prefer to earn flexible points that can be redeemed with a wide variety of airlines and hotels to give more options, then you’d be better off with a transferable travel rewards credit card.

What Travel Perks and Protections Are You Looking For?

The type of perks a travel rewards credit card will offer can vary greatly from items like airport lounge access, Global Entry or TSA PreCheck application fee credits, free checked bags, elite status, statement credits, and much more.

Consider which of the benefits are more important to you when selecting your new travel rewards credit card. If you want your new card to include airport lounge access, that will limit you to a certain set of card options, whereas if you want a card that offers automatic elite status with a specific hotel chain then your card options might be completely different. It’s all about determining what you value most.

Similarly, you’ll want to consider what protections you want your card to offer to help you narrow your options further. Do you want your card to have trip delay insurance, rental car insurance, purchase protection, etc.? These are all items that will help you decide the best travel rewards card for you.

Does the Card Have Great Bonus Categories To Help You Earn More Points?

Earning points, and then spending them on travel, is the name of the game. Given that, you want to make sure your new card helps you earn as many points as possible.

Some cards help you optimize for specific bonus categories, like the Amex Gold card that offers 4x points on restaurants and U.S. supermarket purchases, while others like the Capital One Venture card offer a flat 2x miles spent on any purchase.

Keep in mind that there’s no right or wrong answer here. Deciding which card will help you earn the most points will come down to your unique spending habits.

Once you’ve added the best travel rewards credit card for you to your wallet, here are the steps to take to get the most out of it.

Use Your Card for as Many Purchases as Possible — And Pay It Off

Once you have your new card, you should begin using it for every purchase that you need to make so that you can start earning rewards . This is especially true for large recurring bills as those often help you earn the most points per transaction.

Further, most cards come with a welcome offer that can be worth anywhere from $500 to $2,000 after you meet the minimum spend requirement , so you’ll want to make sure you do so to prevent you from missing out on this big windfall of points.

If you have multiple travel rewards credit cards, make sure you are optimizing each purchase based on the bonus categories that each card offers. For instance, one card might offer 3x points on gas while the other offers 3x points on dining, so you’ll want to use them accordingly.

Lastly, and most importantly, you want to pay your statement balance on time and in full each and every month. This will keep you from having to pay any interest on your purchases and help increase your credit score by showing a record of great payment history.

Activate Perks That Your Card Offers

Many of the best travel rewards credit cards come with tons of great perks to give you added value, but you have to make sure they are activated in order to start using them .

For instance, the Amex Platinum card offers perks like Priority Pass lounge access, along with Hilton Honors and Marriott Bonvoy elite status, but you have to activate each of these perks from the benefits section of your account in order to start using them.

Similarly, the Chase Sapphire Preferred card offers 5x points on Lyft rides and benefits with DoorDash . To use these benefits, you’ll want to link your Chase Sapphire Preferred card as your payment method on these platforms and activate your benefits on their respective pages.

Make Sure To Use Your Statement Credits

If you have a card that offers any sort of statement credit , make sure you use that credit before it expires . Some cards offer an annual credit, while others dole out the credits monthly. For example, the Chase Sapphire Reserve card has a $300 annual travel credit that can be used all in one purchase if you so choose, while the Amex Gold card has up to $120 annual dining credit, up to $120 annual Uber Cash credit, up to $100 annual Resy credit, and up to $84 annual Dunkin’ credit.

Use Shopping Portals and Dining Programs

Linking your card to a shopping portal and/or dining program is a great way to earn even more points for purchases you were planning to make anyway.

This way, when you make a certain purchase through a shopping portal or dine at an eligible restaurant, you’ll earn points on top of the points you’d have already earned depending on your card’s bonus category.

Hot Tip:  When it comes to online shopping, you can use a tool like Cashback Monitor to help you determine how many points you’ll earn for your purchase across a wide variety of shopping portals.

Have a Strong Credit Score — This Is Why Building Credit Is Important

When submitting an application for a travel rewards credit card, arguably the most important factor is your credit score, as the higher it is the more likely you are to be approved for the card.

This is why building your credit is so important as having a strong score will allow you to be approved for cards that offer the best perks and rewards.

For the most part, if you have a credit score of 700 or better, you’ll have reasonably good odds of being approved for most travel rewards credit cards . If you don’t you’ll want to focus on improving your credit score by making sure you are paying your bills on time each month, keeping your credit utilization low, limiting the number of new accounts you open, and more.

Hot Tip:  If your credit score isn’t as high as you’d like it to be, read through our guide on the top strategies to improve your credit score .

Understanding the Difference Between APR and Interest

When adding a travel rewards card to your wallet, another important factor for you to be aware of is the card’s interest rate .

You may have heard both interest rate and annual percentage rate (APR) used, and while these 2 figures can be different for certain financial products, they are the exact same when it comes to credit cards.

The APR can vary from card to card and is the amount you will pay on any purchases that you do not pay in full on your credit card statement balance. This is why you want to make sure that you are always paying off your full statement balance when it posts to your account, as paying interest on your charges will negate the value of any rewards you accrued on the purchases you made .

How Old Do You Have To Be To Get a Starter Travel Rewards Credit Card?

Technically speaking, you’re eligible to get your first travel rewards credit card as soon as you turn 18 years old . That said, it will likely be difficult for you to get approved without previous credit history and a regular source of income.

Due to this, we recommend that you have at least 2 years of solid credit history before applying for your first starter travel rewards credit card.

Alternative Option: Become an Authorized User

If you’re not able to get your very own starter travel rewards card just yet, an excellent option is to become an authorized user on a trusted friend or family member’s account.

This allows you to use a caliber of card that you’d be unlikely to be approved for on your own and allows you to build your credit score faster by piggybacking off the main account holder’s more established credit history.

Again, you want to make sure the main account holder is someone that you trust because if they mismanage their credit, it will adversely impact you as well as the authorized user.

There’s a lot to think about when it comes to selecting a travel rewards-earning credit card. Fortunately, each card has its own distinct characteristics that match up with certain travel and spending profiles. This makes it possible to zero in quickly on which travel rewards credit card might be a good fit for you.

Remember, because Chase plays a prominent role in the travel rewards credit card arena, you’ll want to consider the Chase 5/24 rule in your selection process.

Regardless of which card you choose, we know for sure that travel rewards credit cards can change the way we travel and the way we live. The cards allow us to earn points, cash, or miles on purchases we would be making anyway and give us the ability to offset the cost of travel we may have never considered otherwise.

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the car rental loss and damage insurance benefit of the American Express ® Green Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

The information regarding the American Express ® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash ®  Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the Blue Cash Everyday ® from American Express, click  here . For rates and fees of the Blue Cash Preferred ® Card from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Business Gold Card, click here .

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How to Compare Travel Credit Cards

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Regardless of whether you’re just starting to look into travel cards or already have a few under your belt, understanding how to compare travel credit cards can quickly get complicated. From cardholder benefits to annual fees, each card is unique.

So how do you know which ones you should get? Let’s take a look at the different aspects of travel cards, some of the best travel credit card perks and how to figure out which ones are right for you.

What to consider when you compare travel credit cards

Your travel credit card selection will ultimately come down to the following four factors: The size of the welcome bonus, the card's benefits and rewards, how you'll earn points and the card's overall cost (or annual fee).

Welcome offers

Banks want your business. In the highly competitive U.S. credit card market, this means they’ll need to stand out in order to attract your attention. One of the ways they do this is by offering welcome bonuses.

Welcome bonuses can vary, but they usually feature a one-time lump sum of bonus points after making enough purchases on your card in a specific amount of time. You can find offers ranging from 15,000 points all the way up to 180,000 points — but not all bonuses are created equal.

You’ll want to consider how you’re going to redeem those points well before you send in your application. Are you a frequent flyer? A co-branded airline card may be a good option for you. Do you prefer a certain hotel chain? You may want to direct your attention toward hotel cards instead. Make sure you can and will use the bonus points on offer before you sign up.

Some card issuers limit how often you can sign up for new credit cards — and even how many times you’re allowed to receive a welcome offer. Research this before applying.

Some of the best travel credit card offers out there are with credit cards that offer flexible point currencies, such as American Express Membership Rewards , Chase Ultimate Rewards® and Citi ThankYou points . The points these cards earn can transfer to a number of partners, such as airlines and hotel chains. These cards thereby give you more flexibility and ultimately help you avoid pigeonholing yourself into earning points or miles that can only be redeemed with a single loyalty program.

» Learn more: The best travel credit card welcome bonuses right now

Benefits and rewards

Another way card issuers try to differentiate themselves is by the perks they offer. You’ll find a different range of benefits based on the type of card you’re getting. No-annual-fee and mid-tier cards (those costing an annual fee of $100 or less) inherently offer fewer perks than their more expensive cousins, premium travel cards. These credit cards may cost hundreds to renew every year.

When comparing travel credit card rewards, consider how many of these benefits you can realistically maximize — let alone use. For example, several different travel credit cards come with TSA PreCheck/Global Entry credits , but you only need one membership every four years. If you already have one card that offers this credit, then target other benefits when applying for another travel rewards card.

The same can be said of cards like The Platinum Card® from American Express . As a top-tier card, you’ll enjoy complimentary elite status with hotel chains like Marriott and Hilton . Enrollment required. However, the card also comes with a $25 monthly Equinox credit that may not fit into your existing lifestyle. Terms apply.

» Learn more: The best travel credit cards right now

Earning bonus points

Once you’ve earned your welcome bonus, the best way to increase your points balance is by putting purchases on the card itself. Each individual card will offer varying amounts of bonus points for different spending categories. Sometimes these are called bonus categories.

You’ll need to decide how diligent you want to be about earning points. Are you fine with switching out cards in order to maximize your bonus points? Or are you content with keeping a select few on hand and leaving some other cards' rewards on the table?

Based on what you decide, you’ll want to compare the earning structure for the travel cards you’ll own. Some, like the Chase Sapphire Reserve® , offer a flat 3x points on a broad category of travel-related expenses. Others, like The Platinum Card® from American Express , will give you an objectively better 5x points on airfare and hotels — but will restrict how you earn based on how you book your travel. You’ll also face an annual cap of $500,000, after which you’ll earn just 1x point per dollar.

Annual fees

Most travel credit cards aren’t free. True, there are some entry-level cards that’ll provide limited benefits and no annual fee, but the best perks are offered on cards that will cost you money.

Active duty military members can have their credit card annual fees waived by major banks such as American Express and Chase.

The question here is: How much are you willing to spend? Some of the most expensive travel credit cards will charge you upwards of $500 per year. In return, you’ll get best-in-class rewards and the ability to maximize bonus points on your spend.

If you’re not looking to lay out a lot of cash, mid-tier cards such as the Chase Sapphire Preferred® Card can offer similar but less extensive rewards with a much cheaper annual fee. Figure out the budget you’re comfortable spending each year and take a look at cards that fit your needs.

» Learn more: Best no annual fee travel credit cards of October 2021

If you’re looking to compare travel credit cards …

Each travel credit card is unique, and the best way to figure out which one is right for you is by comparing them. Decide what’s important to you, whether it’s a large welcome offer, the ability to earn plenty of points or a whole slew of cardholder benefits, and pick out cards that match what you’re willing to pay.

Not all cards are right for every person, but with the range of available travel credit cards on the market today, odds are you’ll find one that suits your lifestyle.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

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The Best Travel Credit Cards, For Beginners, Pros, and Everyone in Between

Looking for the best travel credit card? That's easy—there’s just one issue: choosing which one to go with. There’s no shortage of travel rewards credit cards out there, and while having plenty of options is great for consumers, it can also make things a little confusing. The truth is, there’s no single consensus pick. However, there are some cards that stand out above the rest. Below, we’ve outlined our top choices and exactly why they made the cut—plus an idea or two on how to spend the welcome bonuses with some of our favorite hotels and airlines.

This article has been updated with new information since its original publish date.

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers. Compensation does not impact how or where cards appear on the site. We don't review or include all companies, or all available products. Moreover, the editorial content on this page was not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are entirely those of Condé Nast Traveler's editorial team.

What are the benefits of a travel credit card?

For many, the driving factor in opening a travel credit card is the ability to earn points that can later be turned into free flights or hotel stays—but the best travel credit cards also offer perks like  free night certificates ,  elite status , trip delay protection, and annual travel credits that are pretty motivating, too.

Is a travel credit card worth the annual fee?

The answer is almost always yes, thanks to their generous rewards structures, flexible redemption options, and travel perks—provided you can use them. Going through a list of these features is a great place to start when looking for your perfect match, whether you’re just getting acquainted with the options or looking to add a second or third travel card to your rotation. Plus, some of the welcome bonuses are upwards of six figures, sweetening the deal even more and setting you well on your way to free flights and hotel stays.

What should I consider before choosing a card?

If you want to find the absolute best travel credit card for you, you’ll need to take into account a number of factors—where you live, where you want to go, and your  spending habits  included. All of this means that a card that's great for you may not be such a hot pick for someone else.

Below, I’ll walk you through 10 of the best travel cards available right now. Looking specifically for the  best airline credit cards  or  hotel credit cards ? We've got you covered there, too.

• Best for beginners : Chase Sapphire Preferred® Card
• Best for building credit : Chase Freedom Unlimited®
• Best for airfare and lounge access : The Platinum Card® from American Express
• Best for groceries and dining : American Express® Gold Card
• Best value : Capital One Venture X Rewards Credit Card
• Best for flexible rewards : Capital One Venture Rewards Credit Card
• Best for varied bonus categories : Citi Premier Card
• Best hotel card : Hilton Honors American Express Aspire
• Best for cash back : Citi Double Cash Card
• Best for rent : Bilt Mastercard
• Best for retail : Chase Freedom Flex
• Best business credit card : Chase Ink Business Preferred

Reach your Chase Sapphire Preferred Card welcome bonus to book a night at the Grand Hyatt Kauai Resort and Spa.

Chase Sapphire Preferred® Card

Best for beginners

Why we love it:  The Chase Sapphire Preferred has been a popular card for years, and with good reason. For a modest annual fee, it boasts a sizable welcome bonus, strong earning rates in popular spending categories, and the option to redeem points through the Chase portal at a rate of 1.25 cents per point or transfer them to airline and hotel partners. It’s widely considered a top pick for those who are  venturing into the world  of points and miles for the first time. The Chase Sapphire Reserve , the preferred’s pricier, $550-a-year sibling, is not on this list, as many find its extra benefits don’t justify the added cost. But it is an option for those looking for a product that comes with lounge access.

How it earns points:  The Chase Sapphire Preferred earns two points per dollar on all travel purchases, as well as five points per dollar on travel purchased through Chase, three points per dollar on all dining and online grocery purchases, and three points per dollar on select streaming services. It earns one point per dollar on everything else.

Additional perks:  In the event of a  travel delay , the Preferred offers up to $500 per ticket in reimbursement for hotels, meals, and incidentals (this means if you booked flights for you and your partner on the same card, you’d each qualify for the stipend). It also offers a 10 percent anniversary points bonus and a $50 annual Ultimate Rewards hotel credit.

Annual fee:  $95

Foreign transaction fees:  None

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

How to spend it:  Transfer the points to World of Hyatt to book two nights at at a Category 7 property at standard rates, such as the Park Hyatt Tokyo or the Grand Hyatt Kauai Resort & Spa .

Read a   full review   of this card.

Chase Freedom Unlimited®

Best for building credit

Why we love it:  Travel cards often require strong credit scores, so the Freedom Unlimited is a great way to build your credit with a free, easier-to-open card while earning rewards that can convert to travel rewards in the long term. While the Chase Freedom Unlimited is technically a cash-back card, if you pair it with a card that earns Chase Ultimate Rewards points—such as the Chase Sapphire Preferred—you’ll be able to instantly convert your rewards into valuable travel points by moving them between accounts.

How it earns points:   You’ll earn five points per dollar on  travel booked  through Chase Ultimate Rewards, three points per dollar on drugstore purchases and dining, and 1.5 points per dollar on everything else.

Additional perks:  This fee-free card is understandably light on perks, but it does come with some shopping and auto insurance protections.

Annual fee:  None

Foreign transaction fees:  3 percent

Current welcome bonus:   Earn $200 in cash back (20,000 points) after you spend $500 on purchases in the first three months from account opening. Plus, five percent cash back on gas station and grocery store purchases on up to $12,000 spent in the first year.

How to spend it:  Transfer to British Airways to book a short-haul economy flight on Alaska Airlines, such as Seattle to Los Angeles.

The Platinum Card® from American Express

Best for airfare and lounge access

Why we love it:  The Platinum Card from American Express is a heavy hitter. With its strong points-earning potential and perks, it takes the headaches out of traveling. This American Express card has access to not one, but two networks of domestic and international  airport lounges ; elite status with two top hotel chains; and so many credits, it’s hard to keep track—especially with a list that keeps on growing. And when it’s time to cash in points, cardholders have the option to transfer to numerous airline and hotel partners, including some of the  world’s top carriers .

How it earns points:  The Platinum earns five Membership Rewards points per dollar on flights booked directly with an airline or via Amex Travel on up to $500,000 in purchases per calendar year, as well as five points per dollar on prepaid hotels booked through Amex Travel. It earns one point per dollar on other eligible purchases.

Additional perks:  Amex is all about offsetting this card’s high annual fee with a slate of compelling benefits and statement credits galore. It comes with an annual $200 credit to the airline of your choice to cover incidentals; up to $200 per year in Uber credit; up to $200 hotel credit on qualifying prepaid bookings of at least two nights through Amex Fine Hotels + Resorts; a $300 Equinox credit to put toward gym membership; a $240 entertainment credit for eligible digital subscriptions; an $189 CLEAR Plus credit; a  Global Entry  or TSA PreCheck credit worth up to $100; up to $100 in annual Saks Fifth Avenue credits; cell phone protection; airport lounge access to both Amex’s own network of  Centurion Lounges  and Priority Pass; Gold Elite status with both Hilton and Marriott; and more. (Enrollment is required and terms apply to all of the aforementioned perks and statement credits.) The card comes with shopping, baggage, and rental car insurance, as well as access to sought-after restaurant reservations through a partnership with Resy.

Annual fee:  $695 ( see rates and fees )

Current welcome bonus:  Earn 80,000 points after you spend $8,000 on purchases within six months of account opening.

How to spend it:  Transfer the points to Virgin Atlantic Flying Club to book round-trip business class tickets to Japan on Virgin's partner ANA. You can fly from the West Coast to  Tokyo  or  Kyoto  for 90,000 miles or the Midwest or East Coast to the island country's major cities for 95,000 miles.

Read a  full review  of this card.

Use Amex points to enjoy a stay at the St. Regis in Mexico City.

American Express® Gold Card

Best for groceries and dining

Why we love it:  We all need to eat, and no matter how you do it,  you’ll be rewarded  if you hold the American Express Gold Card, which offers bonus points on both  restaurant  and supermarket spending. The card also comes with credits you can put toward takeout and delivery, as well as Uber. Gold Card users will also have access to Amex’s extensive transfer partner list when it comes time to put their hard-earned points to good use.

How it earns points:  The Gold Card earns four membership rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then one point per dollar for the rest of the year; and four membership rewards points per dollar spent at US supermarkets (on up to $25,000 in purchases per calendar year, then one points for the rest of the year). It also earns three membership rewards points per dollar spent on flights booked directly with airlines or on AmexTravel.com; two membership reward points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com, and one membership rewards point per dollar spent on all other eligible purchases.

Additional perks:  The Gold Card comes with a dining credit of up to $120 that can be used on dining through GrubHub, Goldbelly, and more (enrollment required, terms apply), as well as a $120 Uber Cash and a $100 The Hotel Collection credit when you stay two nights or more (enrollment required, terms apply). It also provides shopping, baggage, and rental car protections.

Annual fee:  $325 ( see rates and fees )

Current welcome bonus:  Earn 60,000 Membership Rewards(R) Points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership. Plus, receive 20 percent back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (terms apply). Offer ends November 6, 2024.

How to spend it:  Transfer 63,000 points to Cathay Pacific to book a one-way business class ticket between the US and Helsinki on Finnair.

Capital One Venture X Rewards Credit Card

Why we love it:  Capital One’s first foray into the premium credit card space is a good one. On top of solid earning potential, the  Venture X  offers an array of easy-to-use perks that make it a solid competitor against top offerings from Chase and Amex—with a much lower annual fee. Points earned with the card can be transferred to Capital One’s solid list of transfer partners, including Air Canada Aeroplan and Turkish Airlines Miles&Smiles.

How it earns points:  The Venture X nets two miles per dollar on every purchase, with bonuses on travel. The card gets 10 miles per dollar on hotels and rental cars booked via the Capital One Travel portal, along with five miles per dollar on flights booked through the portal.

Additional perks:  The card comes with $300 annual credit good for bookings made through the Capital One Travel portal, a 10,000-mile bonus on every account anniversary, unlimited access for you and two guests to  Capital One Lounges and Priority Pass lounges  worldwide, and up to a $100 statement credit for TSA PreCheck or  Global Entry .

Annual fee:  $395

Current welcome bonus:  Earn 75,000 miles once you spend $4,000 on purchases within the first three months from account opening.

How to spend it:  Transfer to Air Canada's Aeroplan to book Lufthansa first class on a one-way flight to Europe of up to 6,000 miles long, such as Chicago to Frankfurt.

Capital One Venture Rewards Credit Card

Best for flexible rewards

Why we love it:  Simplicity is the name of the game with the Capital One Venture Rewards card, the Venture X's predecessor. It’s a straightforward card for those who don’t spend a ton of money in any one category and who want to avoid a hefty  annual fee . Use your miles to wipe travel purchases off your statement or transfer them to one of 17 loyalty partners, including AirFrance-KLM and Turkish Airlines.

How it earns points:  The Venture card earns two miles per dollar on all purchases, plus five miles per dollar on hotels and rental cars booked through Capital One Travel.

Additional perks:  The Venture card doesn’t have the perks of a more expensive premium card, but cardholders do get a $100  TSA PreCheck or Global Entry  credit every four years.

Current welcome bonus:  For a limited time, earn 75,000 miles once you spend $4,000 on purchases within the first three months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year.

How to spend it:  Transfer the miles to Turkish Airlines' Miles&Smiles program to nab four round-trip business economy class tickets between anywhere on the US mainland and Hawaii on Turkish Airlines' partner United.

A trip to Casablanca is in reach with the Citi Premier card.

Citi Premier Card

Best for varied bonus categories

Why we love it:  The Citi Premier often flies under the radar—but it shouldn’t. The card boasts a slew of easy-to-maximize bonus categories, earning customers extra points on dining, groceries, gas, air travel, and hotels. And while Citi’s lineup of transfer partners doesn’t get as much attention as Chase or Amex, it still features top-notch choices for booking flights, both  domestic  and international (JetBlue TrueBlue and Qatar Airways Privilege Club are among Citi’s list of partners).

How it earns points:  The Premier earns three Citi ThankYou points per dollar spent at restaurants, supermarkets, and gas stations, as well as three points per dollar spent on airfare and hotels. It earns one point per dollar on everything else.

Additional perks:  The card offers a once-a-year credit of $100 off a single hotel stay of $500 or more when booking through the Citi ThankYou portal, as well as access to ticket pre-sales and cardmember-only events.

Current welcome bonus:  Earn 60,000 points once you spend $4,000 on purchases within the first three months from account opening.

How to spend it:  Transfer the points to Etihad Guest to book round-trip business class tickets between New York and  Casablanca  on Royal Air Maroc. You’ll be well on your way to the 88,000 requisite points after you spend the money required to trigger the welcome bonus.

A weekend at the Waldorf Astoria Grand Wailea on Maui could be in your future.

Hilton Honors American Express Aspire

Best hotel card

Why we love it:  You won’t find a more lucrative hotel card than the Hilton Honor American Express Aspire, which gives cardholders its top-tier Diamond status, an uncapped free night reward, resort credits, and sky-high earning rates. But the best part is, it’s more than just a hotel card. It also offers airfare credits and bonus points at US restaurants, providing a more well-rounded travel experience.

How it earns points:  The Aspire earns 14 Hilton Honors points per dollar spent with Hilton hotels and resorts, as well as seven points per dollar spent on flights booked directly with airlines or via Amex Travel, on car rentals booked directly with select car rental companies, and at US restaurants. It earns three points per dollar on everything else.

Additional perks:  Cardholders automatically receive Hilton’s highest elite status, Diamond, as well as one free night every year after renewal that can be redeemed at most Hilton properties. Each account year, cardholders are also eligible for up to $400 in statement credits toward purchases at Hilton Resorts, as well as $200 worth of statement credits for airfare purchases.

Annual fee:  $550

Current welcome bonus:  Earn 180,000 bonus points once you spend $6,000 on purchases within the first six months from account opening.

How to spend it:  Combine 120,000 points with the card’s free night certificate for a weekend at the  Waldorf Astoria Los Cabos Pedregal .

Citi Double Cash Card

Best for cash back

Why we love it:  Like the Chase Freedom Unlimited, the Citi Double Cash Card is actually a cash-back card, but if you have a second card—like the Citi Premier—that earns ThankYou points, you’ll be able to convert your  cash back  into travel rewards. It’s also easy to use, earning a flat two points per dollar on every dollar spent, no matter what the category.

How it earns points:  The Citi Double Cash card earns two points per dollar on all purchases—one point when you buy, and one point when you pay your bill.

Additional perks:  The card comes access to ticket pre-sales and cardmember-only events.

Current welcome bonus:  Earn $200 cash back once you spend $1,500 on purchases within the first six months from account opening.

Bilt Mastercard

Best for rent

Why we love it:  Bilt is a relative newcomer to the scene, and it’s shaking things up in the best way. It allows renters to earn points on their rent without paying credit card processing fees—and not just any points. Bilt’s points are transferable, and its list of transfer partners, including American Airlines AAdvantage, Virgin Atlantic Flying Club, and World of Hyatt, is unmatched in the industry. The card also earns on travel and dining, and while it doesn’t have a sign-up bonus, it does unveil fun new bonuses each month for Rent Day, or the first of the month, in addition to the ability to double your points earned on that day. And all of these benefits come without an annual fee.

How it earns points:  The Bilt Mastercard earns three points per dollar on dining, two points per dollar on dining, and one point per dollar on everything else, including rent. Those bonuses double for purchases aside from rent made on the first day of each month.

Additional perks:  The card comes with trip delay and interruption protection of up to $5,000, trip delay reimbursement, an auto rental collision damage waiver, and a $5 Lyft credit when you take three rides in a calendar month.

Current welcome bonus:  None

Chase Freedom Flex

Best retail card

Why we love it:  Like the Chase Freedom Unlimited, the Chase Freedom Flex Card is actually a cash back card whose points can convert to Ultimate Rewards if you have another card that earns them. Its unique earning structure allows you to earn a bonus in a rotating category each quarter, many of which are categories not often covered by other cards—such as Amazon purchases, department stores, or PayPal purchases.

How it earns points:  You’ll earn five points per dollar on up to $1,500 in combined purchases in rotating bonus categories each quarter. You’ll also earn five points per dollar on  travel booked  through Chase Ultimate Rewards, three points per dollar on drugstore purchases and dining, and one point per dollar on everything else.

Additional perks:  Like its sister card, the Freedom Flex comes with some shopping and auto insurance protections, as well as cell phone protection.

Current welcome bonus:  Earn $200 in cash back (20,000 points) after you spend $500 on purchases in the first three months from account opening. Plus, five percent cash back on gas station and grocery store purchases on up to $12,000 spent in the first year.

How to spend it:  Transfer the points to Southwest Rapid Rewards for a domestic winter getaway to a Sun Belt state.

Chase Ink Business Preferred

Best business credit card

Why we love it:  For small business owners, the Chase Ink Business Preferred is a great card to have in the rotation. For a modest $95 annual fee, it earns three points per dollar on travel, as well as on a host of useful business categories ranging from shipping to advertising and beyond. It also comes with a sky-high welcome bonus right now, making it a great opportunity to jump-start or boost your balance of Chase Ultimate Rewards points.

How it earns points:  The Chase Ink Business Preferred earns three points per dollar on the first $150,000 spent each account anniversary year combined on shipping purchases; internet, cable, and phone services; advertising purchase with social media sites and search engines; and travel. It earns an uncapped one point per dollar on all other purchases.

Additional perks:  The card comes with an auto rental collision damage waiver, trip cancellation and interruption insurance, purchase protection, cell phone protection, and extended warranty protection.

Current welcome bonus:  Earn 100,000 points once you spend $8,000 on purchases within the first three months from account opening.

How to spend it:  Transfer the points to Iberia to fly round trip in business class to Madrid from Boston, Chicago, or New York on off-peak dates for just 68,000 miles or from West Coast hubs for 95,000 miles.

See rates and fees for American Express cards listed: The Platinum Card ; The Gold Card , Aspire . All information about the Hilton Honors American Express Aspire Card has been collected independently by Condé Nast Traveler; this card is no longer available through Condé Nast Traveler.

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5 Best Travel Credit Cards, According to Finance Experts

If you’re someone who travels a lot , whether for business or pleasure, you may be wondering if it’s worthwhile to look into the best travel credit cards. The finance experts we spoke to agree that the right card can help with cashing in on rewards. And when it comes to choosing, it boils down to the annual fee amounts, any airline benefits, and the best options for international travel (if that’s a priority for you). Other travel perks can include elite airport lounge access, free hotel nights, and no foreign transaction fees, benefits that are sometimes even offered on cards with no annual fees. Below, experts break down what to look for in a travel card, as well as the top five picks to consider.

Your travel credit card questions, answered

What are travel credit cards, should you get a travel credit card, what to look for in a travel credit card, is a high annual fee a red flag, 1. best travel credit card for beginners: chase sapphire preferred card.

• APR: 21.49% to 28.49%
• What it offers back: Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel
• Annual fee: $95
• Rewards rate: 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; 1 point per dollar on everything else
• Intro offer: 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
• What to note: Lower annual fee, high welcome offer, no foreign transaction fees
• Credit score needed: Not specified

The Chase Sapphire Preferred Card is ideal for beginners for various reasons. For starters, its $95 fee is on the low end compared with other travel cards. Perks include travel protection benefits (including trip-cancellation insurance, primary car rental insurance, and lost-luggage insurance), and annual hotel credit (through Chase Travel).

This card also has a welcome offer of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. For rewards, users get 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; and 1 point per dollar on everything else. Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel.

2. Best Credit Card for Domestic Travel: Southwest Airlines Rapid Rewards Plus Credit Card

• What it offers back: Earn 2 points per $1 spent on Southwest purchases, Rapid Rewards hotel and car rental partner purchases, local transit and commuting (including rideshare), and internet, cable, and phone services; select streaming; 1 point per $1 spent on everyday purchases, and 25% back on inflight purchases (i.e. Wi-Fi and alcoholic beverages)
• Annual fee: $69
• Rewards rate: 1 to 2 points per dollar
• Intro offer : 50,000 points after you spend $1,000 on purchases in the first three months from account opening
• What to note : Low annual fee, generous welcome and anniversary offer, no foreign transaction fees
• Credit score needed : Not specified

This travel credit card is my card of choice, and I've held it for 10 years now. Given the ability to quickly accumulate points and a generous anniversary bonus, the card’s low annual fee has paid for itself and then some every year, since I often manage to rack up enough points for a handful of one-way flights (or at least a couple of round-trip ones). Southwest also flies to several international destinations in Central America and the Caribbean—in fact, my husband and I booked our honeymoon in Belize in 2017 entirely with points. This card also has no transaction fees, and other perks include 25% back on in-flight purchases (such as Wi-Fi and alcoholic beverages, which are $8 each) and two early bird check-ins per year.

3. Best Credit Card for International Travel: Bank of America Travel Rewards Credit Card

• APR: 0% intro APR for the first 15 statement closing dates following the opening of your account; after that, 19.24% to 29.24%
• What it offers back: 3% cash back on gas and EV charging stations, online shopping,​ cable, ​streaming, Internet, ​phone plan, dining, travel, drug store or ​pharmacy, and home improvement or ​furnishings purchases; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases; as well as 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter
• Annual fee: None
• Rewards rate: 1.5 points for every $1 spent on all purchases, everywhere, every time
• Intro offer: 25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening
• What to note: No annual fee, 0% intro APR, no foreign transaction fees

Bank of America’s Travel Rewards credit card is another great choice for frequent travelers, as it comes with no annual fee or foreign transaction fees, which is ideal if you intend to spend a lot of time abroad. A huge added bonus is a 0% introductory APR that applies to the first 15 statement closing dates. Additional perks include 25,000 online bonus points and a $250 travel or dining statement credit value after making at least $1,000 in purchases in the first 90 days.

Card holders can also earn unlimited points, with 1.5 points for every $1 spent on all purchases; points also don’t expire. Finally, this card doesn’t have any blackout dates, which means you can use it on any hotel or airline, at any time.

4. Best Travel Card With Lounge Access: Capital One Venture X Rewards Credit Card

• APR: 19.99%, 26.24% or 29.99%, depending on your credit score
• What it offers back: 10,000-mile anniversary bonus, $300 annual travel credit, $100 Global Entry or TSA PreCheck credit
• Annual fee: $395
• Rewards rate: 10 miles per dollar on hotels and rental cars; 5 miles per dollar on flights and vacation rentals booked through Capital One Travel using this Rewards card account; 2 miles per dollar on all other purchases
• Intro offer: 75,000 bonus miles if you spend at least $4,000 within three months of your enrollment date
• What to note: One drawback is the high annual fee, but perks include a higher rewards rate on travel-related purchases
• Credit score needed: Excellent (800 to 850)

If you like to travel in style, one of this card’s top perks is unlimited complimentary access for you and two guests at more than 1,300 airport and travel lounges. That’s huge if you don’t like the buzzkill that comes with not being able to share the finer things with your travel companions.

It’s worth noting that this card comes with a higher annual fee than most others, and you need excellent credit to qualify. But the rewards it comes with (specifically, that annual miles bonus and travel credit) will quickly make that fee pay for itself. The benefits quickly outweigh the fee as well, and include 75,000 bonus miles when you spend $4,000 on purchases in the first three months, equal to $750 in travel.

The rewards rate structure includes 10 miles for every dollar spent on hotels and rental cars that were booked through Capital One Travel, 5 miles for every dollar spent on flights booked through Capital One Travel, and 2 miles per dollar on all other purchases.

5. Best for Everyday Rewards: American Express Gold Card

• APR: 21.24% to 29.24%
• What it offers back: $120 dining credit, $120 Uber Cash, $100 travel experience credit when booking through The Hotel Collection
• Annual fee: $250
• Rewards rate: 4 points per dollar at restaurants or groceries, 3 points per dollar on flights, 1 point per dollar on all other purchases
• Intro offer: 60,000 points after you spend $6,000 in eligible purchases within the first six months of card membership
• What to note: While this card does have a higher annual fee than most, it offers a generous rewards structure and welcome bonus, as well as no foreign transaction fees

This card is great for racking up dining and grocery rewards, which are things everyone uses on a regular basis, especially if your travel volume is on the lower end. So if you’re a foodie, you’ll love the incentive to dine out more often than usual.

While it does have a hefty $250 annual fee, this card also comes with an introductory offer of 60,000 membership points after spending $6,000 in the first six months of card membership. Its points-earning ability includes 4 points for each dollar spent on dining at restaurants and US supermarkets (up to the first $25,000 in purchases per calendar year; then 1 point per dollar) and 3 points for every dollar spent on flights booked directly with an airline or with Amex Travel.

Other perks include a statement credit of up to $120 annual for dining, up to $120 in annual Uber Cash, and up to $100 in hotel credits, all of which would prove beneficial when using the card while traveling.

There are two main types of travel credit cards: cobranded hotel and airline cards and transferable-points bank cards. With both these cards, you’ll typically get a large sign-up bonus in the form of rewards points and perks that will offset several years’ worth of the annual fee.

Transferable-points cards allow you to earn rewards points on everyday purchases like dining and groceries, which ultimately go to your stockpile of points to eventually put toward travel.

According to Torres, key features of travel cards include sign-up bonuses for quick rewards; the ability to earning points across spending categories, including travel and everyday expenses; and flexible redemption options. When comparing cards, you should consider perks like airport lounge access, travel insurance, and statement credits for TSA PreCheck or Global Entry.

“If you can make the most of the rewards and perks offered by the card, it can be a savvy financial move, regardless of your travel frequency,” says Jannese Torres, host of the Yo Quiero Dinero podcast and author of Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa . “Ultimately, it's about aligning the card’s features with your lifestyle and financial goals to make the most of your spending, whether you’re a frequent flyer or an occasional traveler.”

Even if your total annual travel is on the lower end, you might think about snagging a travel credit card if you find yourself booking airfare and hotel stays a few times a year, says personal finance expert Nicole Lapin , who also hosts Money Rehab podcast.

“These cards can be great for earning rewards faster on travel spending, and even if you’re not jet-setting often, using one for daily expenses to collect points or miles for an occasional lavish getaway can still be a smart move,” she says. “It’s like putting away a little extra for a future vacation every time you shop.”

Generally speaking, as with any credit card, it also makes sense to consider a travel credit card if your finances are in good standing and it would benefit your travel plans . Experts universally agree that everyone should have some type of rewards credit card, assuming they have an appropriate credit score and can pay the card off in full every month. The decision to get a travel credit card hinges on various factors, including how much you spend, the card’s rewards structure, and whether the benefits outweigh any associated fees, Torres says.

According to Lapin, you should look for a travel credit card that offers a solid rewards rate on your spending.

Sign up bonus: Look for a juicy sign-up bonus and perks that suit your travel style, she says. “Key features might include things like no foreign transaction fees, comprehensive travel insurance, and freebies like airport-lounge access or credits for Global Entry and TSA PreCheck. But be cautious of cards with unreasonable minimum-spending requirements to earn sign-up bonuses, Torres says. “Make sure you can comfortably meet the spending threshold without overspending or accruing unnecessary debt,” she says.

Rewards program: In that same vein, though, consider a rewards program with perks you will actually use—if you regularly fly in and out of an airport that doesn’t have a lounge, then a premium card with lounge access probably shouldn’t be a priority. “Other red flags include restrictive redemption options that tie you to one airline or hotel chain, unless you’re totally okay with that limitation,” Lapin says.

However, you’ll also want to avoid cards with limited redemption options or complex rewards structures that could make it challenging to maximize your rewards, and steer clear of cards with high foreign transaction fees, especially if you frequently travel internationally, Torres says: “These fees can quickly diminish the value of your rewards when using the card abroad.”

Annual fees: While many travel cards will come with an annual fee, they also typically come with a sign-up bonus worth far more than that fee, making it easily pay for itself. It’s also key to zero in on your own travel habits, so if you’re flying a specific airline multiple times a year, it can make sense to get a branded card for that airline.

Airline perks: Some airline credit cards also offer free checked bags as a benefit for holding the card, which can be a huge advantage to those who typically check bags, as this can save you around $40 per bag, per leg of your trip.

Ultimately, “balance annual fees with benefits, prioritize cards with no foreign transaction fees for international travel, and explore additional perks like concierge services,” Torres says.

At first glance, a high annual fee can send people running from signing up for a travel credit card. Experts often see them as green flags instead of red one, however, assuming you get the value out of them in points and perks. Even a no-annual-fee travel card that has no foreign transaction fees can be worthwhile for a single trip abroad, considering that foreign transaction fees can otherwise add 2% to 3% to the price of every international purchase.

“In certain cases, a high annual fee on a travel credit card can be justified by the valuable perks and benefits it offers,” Torres says. “For frequent travelers who prioritize convenience and luxury, these cards often provide access to airport lounges, elite status with airlines and hotels, and comprehensive travel insurance coverage, enhancing the overall travel experience. “

Additionally, cards with high annual fees may offer generous rewards rates, lucrative sign-up bonuses, and flexible redemption options, allowing cardholders to accumulate points or miles quickly and redeem them for premium travel rewards, Torres says.

Cards with annual fees also tend to have other big benefits, such as travel insurance, as well as some niche benefits on certain cards, for example, statement credits at Saks Fifth Avenue, Uber, or Equinox.

“Just remember to align the card with your actual travel habits and financial goals, and calculate whether you’ll use enough perks to offset any fees,” Lapin says. “Choosing the right travel credit card can really help make your travels more enjoyable and a bit more economical.”

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The 6 Best Travel Cards for the US 2024

If you live in the US but travel often abroad, a travel money card can make spending in foreign currencies cheaper and more convenient. Travel money cards also have the bonus that they can be cheaper when you shop online with foreign retailers, as there’s often no foreign transaction fee to pay.

Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for the US

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend US dollars, as well as a diverse range of other world currencies.

Wise account can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and you can spend locally and overseas conveniently. If you plan to travel, you can switch to the currency you need before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%.

Plus you can get USD bank account details - as well as local account details for up to 8 other currencies - to get paid conveniently to your Wise account . If you’re receiving money in USD to Wise, it’s free to get paid by ACH, and there’s a low 4.14 USD fee to receive a wire. There’s no fee to receive any of the other 9 currencies which come with local bank details.

Here are some of the advantages and disadvantages of using the Wise travel money debit card, to help you decide if it's suitable for you.

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals , just like your regular bank card can be. You can use your travel money card in the US just as conveniently as you can when you travel or shop online with overseas retailers. However, with a travel money card you’ll find the features and fees have been optimized for international use . That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally. 

6 travel money cards for the US compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for the US line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for the US

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. That makes them equally convenient to use in the US when spending in dollars, when shopping online with retailers overseas, and when you travel. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for the US. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold 40+ currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies conveniently

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from Standard plans with no monthly fee to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. 

• No monthly fee if you open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some fee free weekday currency conversion with 0.5% fair usage fees after that. Out of hours and exotic currency fees may apply in some cases
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold USD and around 25 other currencies

Pros and cons of using debit travel cards in the US

How to choose the best travel debit card for the us.

The best travel debit card for USA really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in the US?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for the US

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in the US

How to choose the best travel prepaid card for the us.

There’s no single best travel prepaid card for the US - it’ll come down to your personal preferenc e. If you’re looking specifically for a prepaid debit card you can use abroad with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in the US?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards for the US

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card can be used in the US conveniently - and has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in the US

How to choose the best travel credit card for the us.

The best travel credit card for the US will depend on your personal preferences. If you’re interested in earning rewards and cash back, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in the US?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. Both networks have some support in the US, but coverage isn’t universal.

If you’re looking for a card specifically to take with you when you travel, it may be worth checking coverage in destinations you visit frequently to help you choose the right network for your needs.

In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

Conclusion: Which travel money card is best for the US?

If you’re living in the US but travel often - or if you shop online with retailers based overseas, you might want to pick a travel money card for foreign currency spending. Travel money cards have different features, and can be picked up via regular banks or online specialists.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for the US 2024

1. Which travel card is best to use in the US and abroad?

There’s no single best travel card to use in the US and when you’re headed abroad. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet if you travel widely as you’ll be able to hold and exchange dozens of major currencies for convenience.

2. What is the best way to pay when traveling outside the US?

Spending with your card is convenient when traveling, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get foreign currency cash in advance so you have some  on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in the US and overseas?

You can usually make cash withdrawals with a credit card in the US and overseas, at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals locally and abroad.

4. Can I use a US card abroad?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in the US, making these good options to look out for when you pick your travel debit card for use overseas as well as in the US.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

ORCA Opportunity Youth Program

August 29, 2023

What's Happening Now?

Free youth fares have begun! Riders 18 and younger can take transit on services run by King County Metro, King County Water Taxi, Seattle Streetcar, Sound Transit, Community Transit, Pierce Transit, Kitsap Transit, Everett Transit, Seattle Monorail, Washington State Ferries, and Metro Flex (formely Via to Transit) for free.

Washington State Ferries have adopted free youth fares for vehicle passengers and those walking on. Youth will need to tap on with their ORCA Youth card or ask for a youth ticket at the ticket booth (youth tickets will no longer be available at self-serve kiosks or online). Drivers 18 and younger will be required to pay the adult vehicle and driver fare.

What is the ORCA Youth Program?

Starting in September 2022, many transit agencies across the Puget Sound region began allowing all youth (18 or younger) to ride for free. This is thanks to the Move Ahead Washington statewide transportation funding package. Visit the Free Youth Transit Pass webpage  for more details about how this will work. 

Youth 13-18 will be encouraged to continue to use an ORCA card or carry their student ID to ride transit, but youth who do not have an ORCA card will still be able to board transit for free. If you are an ORCA Youth cardholder, you are encouraged to register your birthdate on the Free Youth Transit Pass webpage as soon as possible.

If you received an ORCA Youth card from SDOT prior to 2022 and are 18 or under, you may continue to use this to take transit for free regardless of the expiration date on the back.

How to Get Your ORCA Youth Card

If you received an ORCA Youth Card from your school before 2022 and are 18 or under, please keep it to use as your new Free Youth Transit Pass! If you need a new ORCA card, you can visit MyORCA.com and request a Youth Transit Pass from King County Metro. 

How to Use Your Free Youth Transit Pass

Your ORCA card can be used to take transit on services run by King County Metro, King County Water Taxi, Seattle Streetcar, Sound Transit, Community Transit, Pierce Transit, Kitsap Transit, Everett Transit, Seattle Monorail, Metro Flex (formerly Via to Transit), and Washington State Ferries.

Bus: Tap the ORCA card against the reader after getting on the bus. Pull the yellow cord before your stop to indicate to the driver you would like to exit.   

Light Rail & Streetcar: Tap the ORCA card on the platform before getting on the train and a second time after you leave the train.  

ORCA cards cannot be tapped multiple times on a single journey and each rider must tap their own ORCA card. 

Take a look at our informational flyer on using your card HERE or watch a short video from our friends at King County Metro. 

Frequently Asked Questions

What happens if I lose or damage my card? All card replacements will be handled by King County Metro. You can request a new Youth card at MyORCA.com .   My card says that it’ll expire soon. Why am I being asked to keep it?  Washington State recently approved a new measure to allow all youth 18 and under to ride transit for free beginning in fall 2022. To ride, you will need a Youth Transit Pass, but if you already have an ORCA Youth Card, that will function as a Youth Transit Pass. Click HERE for more information from King County Metro.   I don’t have an ORCA Youth Card yet. Can I apply for one?  You can request a card from King County Metro through MyORCA.com . If you are a Seattle Public School student, please check with your school administrator as they may have a card on-site for you.

Email: [email protected] Text or call: (206) 256-6722

Transportation

Greg Spotts, Director Address: 700 5th Ave, Suite 3800, Seattle, WA, 98104 Mailing Address: PO Box 34996, Seattle, WA, 98124-4996 Phone: (206) 684-7623 Email: [email protected]

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