cc dbs travel platinum

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Promo: Cashback 30% GarudaMiles Penerbangan Kelas Ekonomi Rute Penerbangan & Hari Tertentu

Review: Kartu Kredit DBS Travel Visa Signature

Kali ini, saya akan melakukan penilaian terhadap kartu kredit DBS Travel Visa Signature menggunakan Metode Penilaian Kartu Kredit PinterPoin .

DBS Travel Visa Signature adalah kartu kredit top-tier dari Bank DBS Indonesia yang secara khusus ditujukan untuk para traveler aktif. Kartu ini memiliki kelebihan utama berupa airport perks yang sangat menarik dan kartunya sendiri cukup well-balanced dari segi earning rate , transfer partner , dan sebagainya.

Kartu ini merupakan versi superior dari kartu kredit DBS Travel Visa Platinum .

Setiap transaksi menggunakan kartu kredit ini, Anda akan memperoleh digibank mileage yang bisa dikonversikan menjadi airline miles .

Rasio penukaran efektif digibank mileage menjadi airline miles adalah sebagai berikut:

• 1 Digibank Mileage = 1 Airline Miles

Wajib diketahui jika kartu kredit ini memiliki rasio perolehan poin/miles yang berbeda untuk transaksi dalam mata uang Rupiah dan transaksi dalam mata uang asing.

• Pengeluaran dalam Rupiah: Rp9.000 = 1 digibank mileage
• Pengeluaran dalam mata uang asing: Rp6.000 = 1 digibank mileage

Tingkat Perolehan (Skor Maksimal: 3.5)

Anda bisa mendapatkan 1 airline mile setiap melakukan transaksi dalam Rupiah sebesar Rp9.000.

Sedangkan untuk pengeluaran di luar negeri selain di Eropa , Anda akan mendapatkan 1 airline mile setiap melakukan transaksi sebesar Rp6.000.

Nilai: 2,25

Welcome bonus  (skor maksimal: 2).

Dapatkan total 3.000 Digibank Mileage atau setara dengan 3.000 airline miles setelah pemakaian kartu sebesar Rp1.000.000 dalam periode 60 hari sejak kartu disetujui.

Konvertibilitas ( Skor Maksimal : 1,5)

Kartu ini memiliki 3 transfer partner yakni Singapore Airlines, Cathay Pacific, dan Garuda Indonesia.

Bonus Unik & Kerja Sama (Skor Maksimal: 1)

Airport perks  (contoh: lounge, makanan) (skor maksimal: 1).

Kartu kredit ini memiliki 2 jenis airport perks yaitu:

• Gratis 2 makanan, 2 minuman, ATAU 1 makanan dan 1 minuman di Starbucks bandara di Indonesia selama spending pada billing statement sebelumnya mencapai Rp8.000.000 dengan jatah 12x setahun.
• Akses gratis sebanyak 1x/tahun ke lounge bandara di luar negeri dengan menggunakan DragonPass untuk diri sendiri dan 1 pendamping.

Iuran Tahunan & Kemudahan  Waiver  (Skor Maksimal: 1)

Iuran tahunan kartu ini sebesar Rp1.000.000 dan bisa di -waive  jika Anda mencapai spending  dalam jumlah tertentu.

Alternatifnya, Anda juga bisa menggunakan 25.000 digibank mileage untuk menghapuskan iuran tahunan Anda.

Saya menyarankan untuk menelpon call center DBS untuk meminta penghapusan iuran tahunan secara gratis . Sistem yang digunakan untuk penghapusan iuran tahunan adalah reimbursement .

Total Nilai: 5,45/10

“Kartu kredit top-tier dari Bank DBS Indonesia yang memiliki fitur airport perks yang sangat menarik.”

Kartu kredit DBS Travel Signature akan sangat cocok bagi Anda yang mencari kartu kredit top-tier dengan airport perks yang menarik .

Sayangnya, di luar itu, kartu ini cukup standar dari segi earning rate dan tidak memiliki welcome bonus yang besar ataupun fitur unik layaknya kartu kredit top-tier lainnya.

Apapun itu, tidak ada salahnya bagi Anda untuk memiliki kartu kredit ini dengan pertimbangan airport perks yang menarik, pagu kredit ( limit ) yang cukup besar, dan iuran tahunan yang bisa dihapuskan meski sulit dan Anda harus punya kemampuan negosiasi yang cukup bagus.

Apakah Anda tertarik memiliki kartu kredit DBS Travel Visa Signature?

• Juni 2019 : Devaluasi welcome bonus dari 15.000 airline miles menjadi 3.000 airline miles
• Januari 2020 : Devaluasi fitur Starbucks Bandara   dari sebelumnya 2 makanan dan 2 minuman menjadi 2 makanan atau 2 minuman atau 1 makanan & 1 minuman
• Awal tahun 2020 : DBS menghapus opsi penukaran Digibank Mileage menjadi Qantas Points
• Maret 2023 : DBS meningkatkan minimum spending bulanan untuk bisa memanfaatkan fitur airport perks menjadi Rp8.000.000 dari sebelumnya Rp5.000.000
• 13 Oktober 2023 : Devaluasi perolehan poin untuk transaksi di dalam maupun luar negeri

154 comments

halo, saya mau menambahkan sedikit mengenai perolehan milesnya,

tertulis : ” Pengeluaran di luar negeri: Rp 5.000 = 1 digibank mileage ”

tetapi bisa pula, Pengeluaran dengan mata uang asing : rp. 5000 = 1 miles.

jadi tidak harus trx di luar negri yang 5000 1 miles, tapi di dalam negri juga bisa asal trx dalam mata uang asing.

dan juga mau menambahkan untuk welcome bonus, saya apply bulan 11 kemarin dan di kartu diterima di tangan saya Desember 2018. setelah trx melebihi 20jt, saya telp cs, katanya bonus 15rb miles akan dikreditkan paling lambat 10 bulan yaitu di Oktober. saya menelepon cs per Januari 2019. yang mana sampai bulan april ini bonus 15rb miles saya belum saya dapatkan.

menariknya, kartu serupa seperti UOB prvi, untuk mendapatkan double points harus benar benar transaksi di luar negeri. Saya mendapatkan kartu UOB prvi awal bulan ini dan baru saja menanyakannya pada CS UOB.

Terimakasih atas tambahannya. Memang transaksi dalam mata uang asing meskipun dalam negeri akan tetap memperoleh 1 miles. Saya menyarankan Anda untuk menghubungi CS DBS melalui e-mail karena selain lebih pasti, Anda akan juga menghemat biaya pulsa yang sangat signifikan 🙂

Untuk UOB, transaksi dalam mata uang asing meskipun dalam negeri tetap akan dihitung double points. Hanya saja, point akan masuk bulan selanjutnya pada kolom ‘penyesuaian’. Seperti itu. Mungkin Anda akan mau membaca artikel ini: https://pinterpoin.com/2019/03/12/transaksi-apapun-mata-uang-asing-uob-prvi-miles-dapat-double-point/

Apakah Anda memilik contact marketing DBS untuk membantu apply kartu Travel DBS nya?

I am really interested after reading your review.

Saran saya silahkan saja datangi kantor DBS terdekat di kota Anda untuk mengajukan kartu DBS Travel Visa Signature atau meminta referensi marketing.

Oh iya tambahan juga, miles diluar negeri kelipatan 10,000 = 2 digibank mileage. Namun apabila transaksi semisal dalam mata uang asing yang di rupiahkan sebesar 47,000 maka mileage yang di dapatkan hanya 8 digibank mileage yang 7,000 tidak dihitung.

Sudah coba hard complain lewat email? Dulu saya hard complain di media sosial diberikan alamat email penyelesaian permasalahan. Jadi untuk case2 tertentu saya habis telpon call center saya bakal email kembali kronologi beserta nomor pelaporan

Terimakasih atas tambahannya dan terimakasih juga atas sarannya untuk pembaca Alv. Saya sendiri juga menggunakan e-mail untuk menghubungi pihak DBS perihal penyelesaian masalah miles ini dan memang lebih cepat dan akurat disbanding dengan phone Customer Service yang terkesan agak lemot.

Hi, saya mau sharing,

saya baru saja dapat visa signature DBS Travel di bulan mei 2019.

dari informasi yang ada di amplop pengiriman kartu, sekarang welcome bonus hanya 3000 milage digibank setelah trx 750rb dalam 2 bulan setelah kartu disetujui.

semoga membantu,

anyway, saya sangat terbantu dengan review yang pinterpoin berikan, thanks a lot ya.

Halo Yunan,

Welcome bonus 15.000 miles memang tidak ada di amplop atau welcome card, Anda hanya bisa mengetahuinya di website DBS. Setelah saya cek, saya juga ragu apakah program ini masih ada atau tidak dan sekarang sedang saya tanyakan pada pihak terkait. Informasi akan terus saya update di website Pinterpoin.com ya.

Saya hari ini di call cs digibank yg mengatakan bahwa welcome bonus 15.000 miles sudah berakhir pd tgl 28 feb 2019. Pdhl saya sering cek pinterpoin atau pun ke web digibank. Sangat jelas mereka tulis program berakhir 30juni 2019. Saya sangat kecewa. Mau complain tp tdk ada bukti.

Halo Juniati,

Silahkan mengurus komplain Anda via email ke DBS. Memang betul sekali bahwa program mereka berakhir 30 Juni 2019, saya juga sangat yakin akan hal tersebut karena tercantum di website maupun brosur yang diberikan oleh marketing kartu kredit DBS. Oleh karena itu, alih-alih menelepon phone customer service yang seringkali ribet dan bisa memberikan jawaban berbeda-beda, saya sarankan Anda mengajukan komplain ke DBS via e-mail.

Halo, tau ga kalau penukaran miles dr dbs ke krisflyer miles, biasanya berapa lama yaa masuknya? Memang ga lgs masuk ya?

Konversi poin DBS menjadi airline miles memang cukup lama, informasi dari pembaca lain biasanya 5-10 HK, jadi mohon kesabarannya 🙂

saya juga mengalami hal serupa di welcome bonus Visa Signature saya, tetapi saya berhasil complain ke DBS dan setelah 1 bulan di proses, pada akhirnya pihak DBS meng kreditkan total 15.000 miles yang dijanjikan ke account saya.

Halo Henry, Saya mengalami kejadian serupa. Boleh di-sahare bagaimana caranya komplain sampai berhasil mendapatkan hak 15.000 miles ini. Saya tidak punya bukti screen capture web DBS padahal saya yakin membaca dari web tersebut namun sekarang sudah tidak ada lagi. Apakah ada saran?!

Apakah digibank mileage ini memiliki expiry date?

Mohon pencerahannya, thanks!

Sepengetahuan saya, Digibank Mileage tidak memiliki expiry date .

Halo Pak Edwin, Apakah benar Digibank Mileage tidak memiliki expiry date (sperti citimiles)? Thanks

Sampai saat ini Digibank miles/point tidak ada expire date

Betul sekali…. Digibank Mileage berlaku selamanya.

apakah kartu ini bisa dipakai diairport lounge di soetta dan kota-kota besar lainnya seperti medan dan surabaya atau bali? apa syaratnya? terima kasih

Halo Zheng,

Anda bisa menggunakan kartu ini untuk mengakses lounge di Soetta maupun di kota-kota besar lainnya dengan menukarkan Dragonpass . Mengingat Anda hanya memiliki 1 Dragonpass setiap tahunnya untuk kartu DBS Travel Visa Signature, saya rasa akan lebih baik apabila Anda menggunakan kartu kredit ini untuk mengakses lounge di luar negeri dibanding di dalam negeri.

Saya sudah lama memiliki kk dbs travel signature yg dulunya merupakan upgrade dr ANZ traveller; namun saya tidak mendapatkan welcome bonus dan sudah tidak ingat juga berapa transaksi saya waktu itu, dan mengenai dragonpass bagaimana cara kita menukarkannya? Apakah harus menghubungi call center atau bisa langsung saat di bandara? Thanks

Bantu jawab ya, Mbak Amel, memang klo upgrade kartu g dapet welcome bonus. Saya juga dlu dr ANZ kok. Cara Dragonpass harus telepon dlu CS untuk dikirimin Kode sm passwordnya, nantinya mbak bisa download aplikasi dragonpassnya buat aktivasi.

Review sekalian ya DBS yang jenis baru visa infinite.

Mas etwin, dengan fitur dan karakteristik yang tidak jauh berbeda dengan citi premier, lebih merekomendasikan yang mana mas diantara citi premier dengan dbs travel visa signature ini? Dan boleh tau alasannya? Terima kaish..

Jika Anda sering traveling domestik: DBS Travel Visa Signature dengan pertimbangan free makanan & minuman di airport dan banyak cashback Jika sering traveling internasional: Citi Premier dengan pertimbangan banyak partner penukaran miles-nya sehingga bisa sangat berguna untuk traveling LN (contoh: Avios)

untuk pemegang kartu kartu DBS Travel Visa Signature, dragon pass boleh digunakan untuk masuk ke lounge hanya untuk 1 orang? atau bisa 2 orang seperti priotiy pass di Citibank. dan apakah kartu Dragon pass ini bisa diperoleh atas nama kartu supplemen?

Sepengetahuan saya Dragon Pass hanya bisa digunakan untuk 1 orang dan tidak bias diperoleh atas nama kartu suplemen. Jadi, hanya kartu utama yang memperoleh fasilitas ini.

Dragon pass Bisa untuk 2 orang (1 pemegang kartu dan 1 pendamping).. Sesuai di iklan lamanya. Sudah sy coba masuk premium lounge saya suruh cek kan dl dia jawab bisa utk 2 org, dan sy masuk berdua)

Terimakasih atas informasinya. Artikel sudah saya update 🙂

Saya mau tanya apa syarat mengunakan lounge di airport harus ada tagihan minimal 5 jt dulu ya?? Kalo ga akan di charge sesuai harga normal nya. . Bedanya airport lounge dan dragon pas apa ya?

hapus iuran tahunan kartu ini selalu dengan ancaman tutup kartu, kecuali dia memang ada program

Agak bingung sebenarnya apa yang diupdate ya? Hanya saran , Alangkah baiknya ada bagian update terbaru dalam 1 kotak paling atas atau paling bawah dari artikel.

Biasanya saya menulis update yang ada pada kartu kredit tsb. Kebetulan kali ini saya lupa. Terimakasih atas masukannya.

Mhn dicek. Saya dpt email dr DBS baru2 ini yg menyatakan kalau mulai tgl 8 Maret 2021, ada 2 jenis transaksi yang nantinya tidak akan mendapatkan miles atau reward points.

Dua transaksi tsb adalah: 1. Transaksi (online atau fisik dip-in) dgan merchants yang beralamat/kantor or based di European Economic Area 2. Transaksi Bill Payments

Kl betul, downgrade ini membuat kartu kredit DBS sangat tidak menarik, apalagi dgn annual fee yg cukup tinggi.

Betul. Artikel sudah saya tulis dan akan rilis dalam beberapa hari. Perlu Anda ketahui bahwa bill payment yang dikecualikan hanyalah bill payment dengan sistem autodebet di DBS btw.

Untuk annual fee sendiri bisa dihapuskan, jadi menurut saya pribadi downgrade/devaluasi ini tidak terlalu berpengaruh kecuali untuk sebagian orang.

halo, ko edwin… apa bisa di infokan referensi DBS Signature wilayah Bandung? kebetulan sy mau coba apply kartu ini

dan biasanya apa saja ya persyaratan biar Gol untuk CC ini, berhubung skg dlam masa pandemic. Trims,

Sayangnya saat ini kami tidak memiliki referensi marketing kartu kredit DBS untuk wilayah bandung. Untuk mengajukan kartu kredit DBS dengan sukses, akan bijaksana jika Anda sudah pernah memiliki kartu kredit dengan limit >50 juta sebelumnya karena DBS travel Signature memiliki syarat minimum limit sebesar 50 juta Rupiah.

Aku udah 3thn punya DBS platinum (skrg limit 43,7jt) dan pengen upgrade ke signature krn nilai miles nya lbh murah drpd CitiPM. CSnya malah nyuruh apply seolah kartu baru. Apa teman2 ada pengalaman upgrade dimasa pandemi ini entah ajukan ulang ato gmn sampe berhasil mendapat signature ini?????

Memang DBS selama pandemi ini lebih ketat dalam memberikan upgrade ataupun kenaikan limit. Mungkin lebih baik Anda apply baru saja?

Hi Pinter Poin, Mau tanya kartu kredit DBS itu jika kita punya 2 kartu atau 3kartu , limitnya akan gabungan atau limit terpisah , ada yang punya pengalaman ini?

Endi, Bantu jawab,

Limitnya terpisah (tidak gabungan).biasanya cukup punya satu kartu dbs sebagai starter, selanjutnya kartu dbs jenis lain akan ditawarkan oleh call center (pengalaman sebelum pandemi).

Halo ko Edwin, mau tanya utk kartu jenis ini apakah ttp bisa dapat digibank mileage utk transaksi tipe cicilan?

Kartu kredit DBS tidak memperoleh poin untuk transaksi yang dijadikan cicilan.

Hai PinterPoin,

Dengan earning rate yg sama2 8000/miles untuk transaksi dalam negeri di BCA SQ Visa Infinite dan DBS Travel Signature, sebaiknya pilih yg mana yah jika harus memilih salah satu saja?

DBS Travel Visa Signature saja.

Hi Edwin, sejak pandemi, salah satu kriteria penting pilih CC adalah masa berlaku poin selamanya, makanya saya tertarik dgn DBS Travel Visa Signature ini. Boleh tau bagaimana kurs nya jika dipakai diluar negeri, dibandingkan Citi Premiermiles, BCA SQ Visa Signature, UOB Privimiles dan Stanchart WorldMiles, kurs mana yg terbaik? Thanks

Halo Edwin, sepertinya DBS Visa Travel Signature ini tidak lebih bagus dibandingkan kartu DBS Black Master Platinum dalam segi earning milesnya. Karena mulai 17 desember 2021 DBS menambah fitur fitur baru yang saya rasa sangat menarik termasuk 5x poin reward DBS setiap spend rp10.000 (SPBU & GROCERIES).

Bisa tolong dibahas untuk fitur baru dari DBS Black Master Platinumnya.

Terima Kasih

Ada link-nya untuk 5x poin reward dbs di SPBU & groceries? Menarik juga.

https://www.dbs.id/digibank/id/id/kartu/kartu-digibank/digibank-black-mastercard-world

Namanya Digibank Black MasterCard World. Bukan yg Digibank MasterCard World Black. Agak membingungkan tp saya sdh telp ke call centre.

Jadi earning rate Rp 2.000,- per mile utk transaksi di groceries dan fuel. Syarat total transaksi 5 juta per bulan

mau tanya apa rate penukarannya 1 poin = 1 KF mile/1 Garuda mile/2 Asia Miles

Terima kasih informasinya. Saya transaksi di tanggal 24-12-21 pakai dbs master pl Latinum world (fisik kartu ada warna orange-kekuningan) di merchant spbu dan groceries. Sampai dengan tanggal 8-1-22 poin yang terupdate masih 1x poin. Tanya DBS customer service, bonus poin 4x akan diberikan paling lambat di akhir bulan berikutnya dari tanggal transaksi.

Semoga benar adanya sesuai fitur baru dari DBS Master World Platinum

Saya punya Black World dari ANZ, sempat berharap tetapi ternyata lain. Kartu saya tetap Rp 10.000,- per mile.

Saya coba upgrade dari DBS Travel ke DBS Travel Signature tapi katanya tidak bisa. Suruh apply baru. Sudah coba apply baru tapi ga ada response. Katanya karena saya sudah punya DBS Travel jadi nanti akan dikabarin lagi tapi sampe sekarang tidak ada kabar apa2 lagi (sudah 1 bulan lebih).

Apakah ada saran yang lain teman2?

Lebih baik mohon upgrade ke DBS travel Signature ketika limit Anda sudah 50 juta. Mungkin kebetulan Phone CS yang handle Anda kurang kompeten dan saya menyarankan Anda untuk telepon kembali.

Aku udah tes minta upgrade tp katanya sedang gk ada program malah dkirim jenis Live Fresh dgn limit yg sama dgn travel platinum. Dan infonya, bagi pemilik 2 cc digibank, per 19 maret sesuai info email, limit bakal disatukan,, Nah mgkn di april mudah-mudahan bisa upgrade kartu ke DBS SIGNATURE

Hi Bro Edwin,

Thank you for your response. Actualy limit Travel Platinum saya sudah 90jtan tapi tetep ga bisa upgrade ke Travel Signature, sama seperti Bro Fahmi info bahwa mereka bilang sedang tidak ada program upgrade… Any other suggestions please?

Coba hubungi DBS dan cari CS lain atau kirim email tertulis ke DBS.

Ada saran kah utk bisa upgrade ke kartu ini? sy saat ini cm punya yg visa platinum (yg warna putih) limit hampir 50jt, penggunaan rutin dari 2018, tpi tidak pernah bisa upgrade , pengajuan upgrade via CS pun selalu di tolak.

Salah satu syarat mutlak untuk upgrade ke kartu ini adalah limit minimal 50 juta Rupiah. Jadi, naikkan saja limit Anda terlebih dahulu.

terimakasih, saya akan coba naikkan limit nya dahulu kalau begitu.

Limit kartu DBS Travel Platinum saya sudah 270 jt sudah telpon CS minta upgrade ke Signature beberapa kali. Jawaban sama tidak bisa karena hanya untuk yang terundang saja dan tidak ada program upgrade. Cara lain harus buka rekening di cabang langsung bukan online tapi deposit uang minimal 500 juta baru bisa diundang. Begitu kata CS

5x poin DBS master card world platinum untuk transaksi di SPBU & GROCERIES benar adanya. Saya baru terima poinnya per tanggal 29-01-2022 untuk transaksi tanggal 24-12-2021. praktis kartu ini merupakan kartu terbaik dari segi earning miles. Kemungkinan, Satu tingkat dibawah CIMB Niaga JCB Ultimate.

Tolong Edwin bahas lebih dalam lagi.

Terimakasih atas informasinya, sayangnya kedua kategori tersebut merupakan kategori yang cukup sulit untuk transaksi dalam jumlah besar. Tetapi terima kasih, kami pasti akan membahas lebih dalam lagi hal ini.

1 poin = 1 KF/GarudaMile/Asia Mile

Terima Kasih Edwin.

Dear Edwin,

Saya mau share informasi, Saya baru saja berhasil upgrade menjadi travel signature dengan cara tlp melalui customer service.. saya pertama kali coba upgrade karena mendapat informasi dari dbs bahwa per bulan ini limit semua kartu dbs skrg akan digabung dan karena itu ada kemudahan untuk menambah kartu.. Smoga info nya bermanfaat

Dear Bro Kevin,

Barusan saya coba telpon customer service DBS… jawabannya masih sama… upgrade masih belum bisa, hanya bisa pengajuan kartu baru via website… limit cc saya udah 90jt++ jg…

Mungkin memang saya selalu tidak beruntung…

Dear Bro Wayne,

Memang pada awalnya customer service tersebut juga ngotot bahwa tidak ad program upgrade, tapi saya bilang bahwa “saya dapat notifikasi dari email di dbs bahwa ada penggabungan limit dari beberapa kartu dbs yang akan membuat kemudahan memperoleh kartu baru, kl sperti ini kemudahannya seperti apa ya?” Setelah 3-4x telepon, akhirnya katanya bsa upgrade dan diminta kirim dokumen npwp dan akhirnya dikirimkan dbs travel signature tersebut.. mungkin kl saya saran, tlp nya sekitar pagi atau siang (saran ini saya dapat dari pinterpoin) dan agak sedikit ngotot saja, seperti minta dia tnyakan dlu kepada pihak terkait dan kasi tau saja kl ad tmen saya yg berhasil upgrade.. Smoga berhasil

Terimakasih atas informasinya. Informasi tersebut sangat berharga.

dear kevin & edwin

setahun berlalu, walaupun limit dbs travel platinum sy naik terus (dr 50jt) sampai 200jt sekarang, tetap gagal dapet upgrade kartu signature, padahal sudah info kalo dpt email dsb (sperti info di ats)…

ada saran lain kah ?

Coba hubungi marketing sakti yang paham hal ini.

apakah ada cara cepat utk lgsg mendapatkan kartu signature ini tanpa mempunyai yang platinum ? saya pakai kartu kredit BCA krisflyer infinite, limit sudah 120 jt . tapi mau coba ajukan kartu ini tidak pernah bisa .

apakah ada jalur pintas? seperti buka deposito / rekening di bank dbs mungkin ?

Kami share cara memperoleh DBS travel signature ini di masterclass. Tapi gampangnya mungkin hal ini berkaitan dengan status pekerjaan Anda ketika apply kartu kredit tsb. Coba saja gunakan juga kartu kredit referensi dari bank asing atau menurunkan DBR Anda.

Untuk jalan pintar sepengetahuan saya saat ini belum ada untuk DBS.

Hi Pinterpoin,

Saya sekarang lagi mempertimbangkan antara kartu kredit DBS Travel Visa Signature atau BCA Krisflyer Visa Infinite. Menurut teman-teman Pinterpoin dari kedua kartu tersebut kira-kira mana yang lebih baik?

Satu-satu pertimbangan saya antara dua kartu ini adalah airport perks yang jauh lebih banyak untuk kartu DBS jika dibandingkan dengan kartu BCA dengan iuran tahunan yang tidak beda jauh (dan dari penjelasan artikel terlihat kartu DBS memiliki syarat penghapusan iuran yang lebih mudah daripada BCA) dengan trade-off welcome bonus yang jauh lebih sedikit daripada BCA.

Fyi: fokus pengumpulan miles saya ada di krisflyer.

Secara pribadi saya merekomendasikan DBS Travel Signature dan jika Anda mendalami dunia miles, Anda pasti tahu bahwa tidak bijaksana untuk mengumpulkan hanya 1 jenis miles.

Halo Ko Edwin

Saya mau tanya saya punya kartu DBS Mastercard Black, tapi setiap mau pengajuan kartu DBS Travel call CS maupun ke marketing tidak bisa karena sudah punya kartu DBS Mastercard Black.

apakah saya harus matikan dulu cc DBS mastercard Black, baru bisa diajukan kembali kartu DBS Travel card ini? thank you.

Coba ajukan lewat marsak, seharusnya bisa.

ada yg tau kenapa untuk apply lagi kartu DBS jenis lain (travel sig) tidak bisa jika sebelumnya pernah menutup kartu kredit DBS live fresh? padahal sudah lama ditutup.

harusnya tidak bisa apply untuk 6 bulan saja sih.

Unfortunately, ga tau kenapa, DBS ngak bisa upgrade dari yang Visa Platinum ke Visa Signature, walaupun gw sudah Treasures di DBS.

Do you know any trick how we can upgrade to Signature dari Platinum? gw sudah sampe minta tolong ke RM gw juga katanya DBS ngak bisa upgrade, that’s weird.

Mungkin lebih baik langsung apply kartu kredit baru DBS Travel Signature saja atau DBS Travel Platinumnya ditutup lalu kemudian apply baru DBS Travel Visa Signature.

Finally berhasil upgrade platinum ke signature setelah banyak baca pinterpoin, limit platinum 100jt, telp CS waktu pagi, tungguin 14 hari, akhirnya tiba² cc tidak muncul di app digibank seharian, malamnya muncul sudah signature & ada sms pengiriman kartu

Terimakasih atas sharing-nya.

Saya pemilik kartu ini. Dan baru tahu kalau perhitungan poinnya itu adalah per transaksi bukan kumulatif transaksi di lembar tagihan.

boleh tau ga, untuk pengajuan yang Platinum, harus tutup yang Signature dulu atau ga perlu? soalnya gw baru 2 bulan lalu telepon mau minta kartu ke 2 yang Signature ( karena gw uda pake yang Platinum )

Tapi menurut info cs DBS nya ga bisa ada 2 kartu aktif di DBS sekarang, gw sempet agak bingung masa iya, tapi kalau misalnya bro Ibra bisa dapet 2 kartu, artinya gw juga pasti bisa, karena limit gw sendiri uda 50jt, harusnya uda masuk criteria untuk dapet Signature tanpa harus tutup Platinum

waktu upgrade lsg kena annual fee 1jt yang ga bisa di waive ya? aku barusan tanya cs live chat katanya seperti itu apakah benar?

Halo, izin nanya utk apply CC DBS Travel Visa Signature ini apakah mudah ya? Cara yang paling tepat untuk apply CC ini gimana?

Saya saat ini pengguna CC BCA yg biasa sudah cukup lama. Setelah baca review2 saya rencana mau mulai terjun utk mengumpulkan miles. Terima kasih.

Mau update untuk DBS Travel Signature, gw ga tau mulai kapan ini berlaku, tapi gw barusan 3 hari yang lalu berhasil upgrade dari Platinum ke Signature

Platinum gw limit nya 45juta, sempet mikir 50jt baru eligible untuk ke Signature, tapi ternyata sekarang untuk dapetin Signature limit hanya perlu 40jt uda bisa upgrade, sudah bukan 50jt lagi.. jadi seharusnya udah ga terlalu susah untuk bisa dapetin Signature asal limit 40jt sudah ok.

halo! apakah benar langsung dikenakan iuran 1jt dan tidak bisa dihapuskan dengan syarat apapun?

Baru ngajuin DBS Visa signature, yang dikirimkan malah visa platinum. padahal limit approved juga uda 50jt.

Wah, sama nasibnya kita dude, padahal sudah saya wanti – wanti, maunya signature, sama persis boss, limit 50 juta dikasih platinum, pas datang kok diamplop CC gambarnya warna putih, astaga, setelah saya telpon disarankan untuk menggunakan kartu selama 1 tahun habis itu baru mengajukan upgrade, dengan syarat minimal 40 juta limit, terus tagihan selama 3 bulan terakhir tidak pernah telat atau bermasalah, bahkan kartu kita tidak boleh ada terblokir sedikitpun karena masalah pembayaran, pertama gak nafsu pakai, terus mikir masih ada harapan dan DBS lagi banyak promo, yah sudah dipakai saja, lihat setahun bagiamana, secara mileages sebenarnya lumayan.

Menurut saya ini mungkin strategi DBS untuk test ombak para pengaju kartu kredit mid tier mereka, apakah mereka benar – benar mampu, baru deh mereka suruh kita upgrade, tipikal bisnis orang Singapore.

kalo limit uda 50jt, terus di kirim nya Platinum, gpp di pake aja dulu bro 3 bulan dengan payment yang bagus dan lancar on time, uda pake 3 bulan, coba apply upgrade lagi ke Signature, harusnya dapet harusnya ya

@WH, Pake 3 bulan udah bisa request upgrade ke signature? soalnya kemarin tanya CS minimum pemakaian 1 tahun dulu. Mohon pencerahannya.

Bro, setelah upgrade itu kartu kita jadi 2 platinum Dan signature? Atau hanya Signature saja?

Ada yg tau gmn cara apply kartu ini biar approved seperti penempatan dana atau cara lain?

Pakai marketing sakti (marsak) bisa tanpa penempatan dana.

Share om maksinya

Apa boleh dishare pak untuk marsaknya ? Terima kasih

Kita hanya share kontak marketing untuk peserta/alumni Masterclass PinterPoin saja.

Ada yang mendapatkan kartu ini tanpa penempatan dana? Sepertinya kartu ini cocok jadi pengganti citi premier miles karena poin nya bisa berlaku selamanya

Ternyata kartu Digibank Travel Visa Signature kalau ditransaksikan di negara Area Ekonomi Eropa (Europe Economic Area/EEA) seperti Austria, Belanda, Belgia, Bulgaria, Kroasia, Denmark, Estonia, Finlandia, Prancis, Jerman, Yunani, Hungaria, Irlandia,Islandia, Italia, Latvia, Lithuania, Luxemburg, Malta, Polandia, Portugal, Republik Ceko, Republik Siprus, Romania, Slovakia, Slovenia, Spanyol, Swedia, Inggris, Liechtenstein, dan Norwegia tidak akan mendapatkan Poin Rewards/Mileage Digibank.. Jadi saran saya kalau ke negara2 tsb pakai kartu lain saja..

ketentuannya ada pada link ini : https://www.dbs.id/id/iwov-resources/pdf/S_K_Kartu_Kredit_digibank.pdf

Terimakasih untuk pengingatnya. Artikel sendiri sudah ada: https://pinterpoin.com/dbs-menghilangkan-fitur-perolehan-poin-transaksi-eropa-pembayarantagihan/

Ada yang punya referensi marketing Hsbc Visa Signature yang bisa di share ? Thank you

Sorry , maksudnya referensi marketing DBS Travel Visa Signature. Ada yang bisa di share ? Thank you

Kalau upgrade dari travel platinum ke travel signature apakah bisa gratis iuran tahun pertama atau langsung ditagihkan? Mungkin ada teman2 yg berhasil upgrade bisa membantu menjawab

Coba apply DBS signature dengan datang ke cabang, malah diarahkan bicara lewat telepon ke CSnya. Udh gitu CS di telp sruh apply lewat website. Website kan ga ad pilihannya utk yg signature. Justru dtg ke cabang biar ga bolak balik musti ketemu agent ksih berkas malah diping pong ke website utk pengajuan platinum. Agak lucu jg bank ini.

Halo, adakah yang baru-baru ini apply kartu dbs travel signature? Dokumen persyaratannya memang diambil oleh kurir ya? Nggak bisa via email or diserahkan ke cabang? Takut penipuan nih.

Halo Tim, Kebetulan saya juga baru mengajukan kartu dbs travel signature ini via website mereka dan dihubungi, katanya mmg diambil kurir. Saya jg agak worry sih krn tkt penipuan dan ketika sy tanya apa bisa saya kasi ke cabang jawabannya cuma nnti diambil via kurir. Kl boleh tau marketingnya namanya siapa kah?

Halo, mau update, ternyata mmg pengajuannya diambil kurir dokumennya.

halo ko Edwin, ingin tanya, Saya ingin mengajukan upgrade dari platinum ke signature, namun CS dbs bilang akan langsung dikenakan iuran 1jt, dan tidak bisa dihapuskan dengan syarat apapun, apakah benar? thank you!

Bisa kok, upgrade saja kartu kredit Anda dan lakukan hal ini: https://pinterpoin.com/trik-menghapuskan-iuran-tahunan-kartu-kredit-dbs/

Halo Edwin dan Pembaca lain

Mohon saran cara upgrade card ini dari DBS Mastercard Black World , menjadi DBS Travel Signature limit card saya sudah di atas 50 jt dan umur card sudah di atas 2 tahun, sudah coba ke cabang di suruh telpon CS, sudah telpon CS katanya tidak bisa upgrade di suruh pengajuan, pengajuan online tidak ada respond di suruh pengajuan offline, melakukan offline ama sales2 Digibank tidak mau bantu krn hanya bs bantu utk pengajuan nasabah baru dengan cara pengajuan online (menggunakan link), akhir nya di suruh pengajuan normal dengan form tapi sampai sekarang ga ada kabar nya di telpon jg ga.. Apakah ada saran?

notes: buat teman2 yg belum punya ini card jangan mau di bujuk sales mengajukan DBS life fresh, DBS platinum signature, DBS mastercard black world (seperti saya) , bujukannya dulu katanya nanti bisa di upgrade, nah ini saya udah 2 taun ga nemu cara nya haha

izin share pengalaman, waktu itu saya kondisinya memegang Travel Platinum, dan dikirimkan juga Black World. Saya minta upgrade lewat CS, katanya belum ada program upgrade. Lalu DBS kirim email yang penggabungan limit semua kartu, lalu saya telefon lagi minta upgrade dan saya ancam jika Travel Plat saya tidak bisa diupgrade, saya mau tutup semua rekening DBS saya saja (kebetulan payroll saya ke DBS).

CS buatkan laporan dan setelah kurang lebih 2 minggu saya terima sms kartu kredit DBS anda dalam pengiriman, cek ke apps, yang travel plat sudah berubah menjadi travel signature.

Semoga pengalaman saya membantu

Saya sebelumnya memiliki DBS Live Fresh, namun ingin upgrade ke DBS Travel Signature tapi tidak pernah berhasil, karena info Sales/Marketing hanya bisa pengajuan baru, mirip cerita om Zul. Akhirnya saya telpon CS bilang ingin tutup KK DBS Live Fresh dengan alasan ingin mengajukan KK baru, akhirnya sesuai cerita om Verbal, dibuatkan laporan dan sekarang DBS Travel Signature sudah ditangan.

Semoga membantu

Idem. Saya juga ada di posisi yang sama, haha.

saya juga dari travel platinum tapi, request upgrade ke signature dengan mengancam tutup kartu jika tidak di approve haha

Kalo dari segi rate point 9.000 di bandingkan dengan uob privi miles yang akan berubah menjadi 8.750 tgl 18 november nanti, brarti lebih cuan uob ya? Hanya mines uob ga ada manfaat airport saja?

secara overall menurut saya tetap lebih bagus DBS karena fitur/perknya lebih banyak dibandingkan perbedaan valuasi rp 250 haha

perlu di notes jg, UOB expired 2 tahun, sedangkan DBS selamanya

Saya baru masuk jadi nasabah DBS treasures lalu langsung diberikan kartu kredit DBS travel visa signature yg warna hitam dan dijanjikan bebas annual fee selama maintain aset diatas 500jt. Apakah Bang Edwin bisa bantu tanyakan info akan bebas annual fee seterusnya itu benar ? spt bank mega dan hsbc…

Untuk skrg sainganmya DBS signature ini Kk apa ya yg miles rate lebih baik tanpa exp poin (tanpa batas waktu redeem) n iuran tahunan bisa dihapuskan? Mohon pencerahannya..

OCBC NISP Voyage.

Bang itu airport lounge LN dgn dragon pass emg buat 2 orang kah ? ( 1 orang dan 1 pendamping ) bukannya untuk 1 org aja ya

dragon pass DBS travel signature berlaku untuk 1x visit per tahun yang berlaku untuk 1 cardholder dan 1 pendamping. Sudah saya coba barusan desember 2023 kemarin di lounge bandara Hongkong. Saya berhasil masuk 2 orang dengan istri saya. Ada tertera di apps dragonpass anda “The complimentary visit can be used by the named cardholder with one accompanying guests each time”. Awalnya penjaga di lounge ngeyel cuma bisa 1 orang saja, tapi saya suruh dia baca klausul nya bahkan di device dia habis scan barcode saya juga tertera tulisan demikian, akhirnya saya dan istri diperbolehkan masuk. Semoga jawaban saya bs membantu.

Sekedar sharing & menambahkan, saya juga mengalami hal serupa dengan AHW tgl 24 Desember 2023 malam di Changi SATS Terminal 1. Sudah saya tunjukkan klausul, tapi petugas wanita tsb bersikeras dengan apa yang tertera di screen dragon pass dia yaitu “Person: 1”, jadi hanya 1 orang yang dikasih masuk. Malas lah berdebat di malam natal. Intinya bersiap aja kalau dikasih masuk 1 orang saja.

sama, saya juga cuma bisa masuk 1 orang di lounge KLIA2, karena yang tertera di screen dragon pass mereka cuma untuk 1 orang.

Bang Edwin permisi tanya ..apa bener kalau ada melakukan spt 1 pay bill untuk pembayaran contoh Asuransi. tidak dpt Reward poin miles ya? ada yang tahu mengenai masalah ini?

Kemarin smpt nanya ke cs digibank dan mereka bilang tagihan rutin asuransi tetap dapat point.

Bagaimana kabar cara upgrade platinum ke signature travel DBS? Ada yang punya pengalaman terbaru?

Telpon ke CS nya aja pak, saya 2 bulan yg lalu diapprove utk upgradenya

setelah upgrade apa benar wajib dibayarkan AF nya? info cs kemarin apabila upgrade, AF lsg tertagih dan harus dibayarkan, tidak bisa di waive juga. mau upgrade jadi galau wkwk

pake cc ini dari jaman ANZ, udah jutaan miles dituker ke KF n Asia Miles.. cuman minus nya trx dgn merchant europe ga dapet poin.. tapi berkat kartu ini setiap tahun minimal 2x bs jalan2 bareng keluarga cm bayar tax aja dan sempet nikmatin perks sbux nya, sampai abis quota nya tahunannya .. haha

Sekedar update dr CS DBS, barusan saya diinfo kl per tgl 24 Nov 2023, 3 jenis transaksi tsb tidak lagi mendapatkan miles: 1. SPBU 2. Sumbangan 3. Layanan sosial dan pemerintah CS bilang semua nasabah sudah diemail pada tgl 12 Okt 2023 tp anehnya saya tdk mendapatkan info tsb. Mungkin bisa dikonfirmasi oleh pihak PinterPoin.

Saya juga tidak dapat emailnya tapi nanti coba saya tanyakan ya.

benar, dan poin saya di debet di tagihan febuari,

kak edwin atau teman2 disini yg ada pengalaman, numpang nanya, untuk upgrade dari platinum ke signature, apakah butuh NPWP?

Karena limit minimum dari bbrp artikel disini DBS Visa Travel Signature adalah Rp50 juta, tentu perlu NPWP. Tapi beberapa waktu lalu saya ditelfon oleh marketing DBS, limit minimum DBS Visa Travel Signature adalah Rp40 juta.

Apa benar CC DBS Travel Signature ini currency exchangenya jelek? Boleh share kah yg pernah pake dg kurs asing?

Seingat saya kurs nya kurang lebih 2,5% an dari kurs tengah Visa.

Barusan cek, minimum penukaran miles sekarang menjadi 10.000 points. 🙁

Apakah points miles KF bisa di transfer ke akun lain?

Tidak bisa.

transaksi di onlinepajak points ditarik kembali sama dbs.. padahal udah byr bunga dengan harapan offset di dapet points. menurut dbs transaksi di online pajak tidak bisa mendapatkan points

Oh ya? pertama kali saya dengar seperti ini.

kl dr TnCnya sih emang ga dapet cek nomor 2 https://www.dbs.id/digibank/id/id/tnc/poin-rewards-kartu-kredit-digibank.page?cid=id_bh_digibank_bitly_tnc_poin-rewards-kartu-kredit-digibank_231023

Poin Rewards / Mileage digibank tidak diperhitungkan untuk transaksi tarik tunai, Cash Transfer, Bill Payment, cicilan per-bulan, transaksi yang di ubah menjadi cicilan, asuransi Credit Shield, bunga, denda dan biaya, transaksi dengan MCC 4900, 5541, 5542, 8398, 8661, 9222, 9311 dan 9399 (contoh transaksi dengan MCC tersebut adalah bahan bakar, donasi, layanan sosial dan layanan pemerintahan)

saya baru dapet CC ini, minggu lalu pakai buat bayar perpanjang paspor lewat DANA (tokped belakangan cuma bisa pk CC tertentu untuk bayar pendaoatan negara), moga ga ditarik poinnya

Dbs salah satu yg aneh Survey ke rumah di foto segala. Pdhl sudah ksh bukti serta cc yg lain 100jt+ itupun sejak 2015 di big 4 banks.

Di tolak karena orang lapangannya ga niat dan aneh. Sudah jelas toko dan gudang online dan sebagai pemilik tentu tidak punya HRD. di tanya HRD ya tentu saja tidak ada dong…pdhl sudah valid sekali dengan telpon landline juga ada.

Ternyata memang jodoh nya di HSBC signature dan Maybank Signature.

Kalau saya bilang sih mendingan 2 kartu itu daripada DBS dari segi rate dan welcome bonus lebih bagus. Hanya saja perlu tabok uang saja sih

Barusan coba upgrade dari platinum ke signature lewat CS dan ditolak dikarenakan harus pegang kartu platinum minumum 1 tahun. Apakah benar harus hold kartu platinum 1 tahun baru bisa upgrade ke signature? Current cc limit sudah di 60jt.

Seharusnya tidak benar karena jeda nya seharusnya 6 bulan saja sih.

Mau tanya Bro Edwin & rekan-rekan, apakah dbs signature kalau transaksi di paper.id memperoleh poin mileage ? terima kasih

Bulan lalu saya masih pakai paper.id untuk dbs travel signature dan masih mendapatkan poin.

Halo Tim Pinterpoin.

Saya mau bertanya mengenai penghapusan annual fee kartu ini. Apakah masih bisa dihapuskan tanpa syarat ? Biasa minimal transaksi tahunan. Berapa ya ?

Dan kalau dengan spending challenge apakah ada yang baru baru ini dapat . Boleh di share diminta spend berapa dalam waktu berpaa lama ?

Tergantung kemampuan negosiasi Anda. Untuk lebih lengkapnya bisa baca artikel ini: https://pinterpoin.com/trik-menghapuskan-iuran-tahunan-kartu-kredit-dbs/

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Kartu Kredit DBS (Digibank)

Digibank live fresh.

Cashback 5% untuk semua pembelanjaan online

• Cashback hingga Rp300ribu per bulan
• Belanja dengan Digibank Reward Points

Digibank Travel Visa Platinum

• Bonus awal hingga 2000 Mileage
• Gratis 1 minuman di Starbucks Bandara
• Pengumpulan Mileage Lebih Cepat

Digibank Travel Visa Signature

• Bonus awal hingga 3000 Mileage
• 2 Digibank Mileage untuk transaksi luar negeri
• Gratis makanan dan minuman di Starbucks Bandara

Tentang Kartu Kredit DBS (Digibank)

PT Bank DBS Indonesia berdiri pada tanggal 1989, dan kemudian segera menjadi bagian dari kelompok usaha DBS Group di Singapura. PT Bank DBS Indonesia merupakan salah satu dari banyak bank yang berdiri di Asia. Bank DBS Indonesia berkomitmen untuk menyediakan layanan perbankan secara menyeluruh untuk koperasi, UKM, dan melayani aktivitas perbankan konsumen. Dengan diakuinya bank DBS sebagai “Best Wealth Manager in Indonesia” oleh The Asset dan “Best Foreign Exchange Bank in Indonesia” oleh Global Finance, Bank DBS Indonesia juga menerima predikat ‘Sangat Baik’ untuk kategori Aset Rp50 Triliun sampai dengan di bawah Rp100 Triliun dari Infobank yang semakin memantapkan eksistensi Bank DBS sebagai bank dengan layanan perbankan terbaik di Indonesia. Selain menyediakan layanan perbankan terbaik untuk masyarakat Indonesia, Bank DBS juga turut memberikan kontribusi lebih terhadap masyarakat melalui pengembangan wirausaha sosial sebagai fokus area tanggung jawab sosial perusahaan.

Berikut adalah beberapa jenis kartu kredit Digibank di Cermati.com:

Cermati.com berkomitmen untuk melindungi dan merahasiakan data pribadi Anda. Seluruh data atau informasi yang Anda masukkan selama proses pengajuan dilindungi menggunakan teknologi enkripsi dan keamanan termutakhir sehingga terlindungi dengan baik.

Agar keamanan data pribadi Anda tetap selalu terjaga, berikut beberapa tips dan hal yang perlu diperhatikan:

• Jangan Sembarangan Memberikan Informasi Pribadi Jangan pernah sembarangan memberikan informasi pribadi kepada siapapun di luar situs Cermati. Data pribadi yang dimaksud antara lain adalah informasi pribadi, sandi ( password ), KTP, Foto Selfie, NPWP, dll.
• Jaga Kerahasiaan Kode OTP Jangan memberikan kode OTP yang masuk melalui SMS / e-mail kepada siapapun termasuk pihak-pihak yang mengatasnamakan diri sebagai Cermati.
• Jangan Berkomentar Sembarangan Jangan pernah mempublikasikan data pribadi Anda di kolom komentar media sosial manapun agar tetap aman.
• Instagram Resmi Cermati ( @cermati )
• Facebook Resmi Cermati ( @Cermati )
• Gunakan Aplikasi Resmi Cermati di Play Store Unduh aplikasi resmi Cermati melalui Play Store. Hindari mengunduh aplikasi Cermati dari website atau link lain selain dari Google Play Store.
• Waspada Terhadap Link Mencurigakan Website resmi Cermati hanya bisa diakses pada domain https://www.cermati.com/ . Mohon hati-hati apabila Anda menerima pesan atau informasi dari seseorang untuk mengakses/mengklik link tertentu di luar website atau akun media sosial resmi Cermati.
• @cermati.com
• @newsletter.cermati.com
• @info.cermati.com
• Selalu Perbarui Sandi Akun Cermati Anda Supaya akun tetap aman, perbarui sandi akun Cermati Anda setiap 3 bulan sekali. Pembaruan sandi bisa dilakukan melalui menu akun saya dan pilih ganti kata sandi. Apabila lalai atau merasa akun Anda tidak aman, segera lakukan pergantian sandi akun Cermati Anda supaya akun tetap aman.

Kartu Kredit Digibank memiliki berbagai fasilitas yang dapat Anda gunakan, antara lain adalah:

• Aplikasi Digibank by DBS  Semua layanan atau fitur menarik yang ditawarkan dapat Anda akses dan atur di aplikasi  Digibank by DBS.
• Ubah Transaksi Jadi Cicilan Ubah semua transaksi Anda menjadi cicilan di aplikasi digibank by DBS.
• Pembayaran Tagihan Anda dapat dengan mudah melakukan pembayaran tagihan di seluruh cabang Bank DBS Indonesia, melalui transfer,  electronic banking , aplikasi Mobile Banking digibank.
• e-Statement Tidak perlu khawatir terlambat bayar tagihan. Tagihan bulanan akan dikirimkan langsung ke  email  pribadi Anda. Anda dapat juga mengakses e-Statement melalui aplikasi Mobile Banking Digibank dan Internet Banking Digibank.
• Kartu Tambahan Teman-teman, keluarga Anda, dan orang yang Anda cintai pun dapat menikmati keistimewaan dan manfaat kartu kredit digibank dengan memberikan Kartu Tambahan. Permohonan Kartu Tambahan dapat dilakukan melalui DBSI Customer Centre 0804 1500 327 atau +62 21 298 52888 (dari luar Indonesia).
• Merubah PIN Kartu Kredit Dengan Instan Ubah PIN Kartu Kredit Anda dengan instan melalui aplikasi Digibank by DBS atau melaui Internet Banking Digibank.
• Direct Debit   Cara bebas repot dalam mengelola tagihan bulanan kartu kredit Anda. Anda dapat melalukan pendebetan otomatis jika Anda memiliki rekening di Bank DBS Indonesia.
• Credit Shield Daftarlah untuk Perlindungan Asuransi  Credit Shield Products  dengan menghubungi DBS Customer Centre 0804 1500 327 atau +62 21 298 52888 (dari luar Indonesia).

Selain fitur dan kemudahan yang ditawarkan, Anda juga bisa menikmati berbagai promo kartu kredit Bank DBS (Digibank) terbaik dan jangan lupa untuk mengecek daftar kartu kredit terbaik lainnya dari cermati.

Nasabah Bank DBS bisa mendapat banyak manfaat dari kartu kredit Bank DBS (Digibank) karena Bank DBS (Digibank) menawarkan banyak promo kartu kredit seperti hiburan, shopping dan travel untuk para nasabahnya. Anda bisa cek promo kartu kredit Bank DBS di sini.

Untuk melakukan pengajuan kartu kredit online , Calon nasabah diharuskan untuk memenuhi beberapa persyaratan sebagai berikut:

Berikut adalah syarat pendapatan minimum untuk pengajuan kartu kredit Bank DBS (Digibank):

Untuk pengajuan kartu kredit online, calon nasabah diwajibkan untuk menyiapkan dan melengkapi dokumen-dokumen di bawah ini:

Bandingkan kartu kredit terbaik dan segera ajukan Kartu Kredit Bank BCA disini. Jika Anda tertarik mengajukan kartu kredit dari bank lain, dibawah ini sudah kami sediakan daftar kartu kredit dari bank yang lainnya:

• Kartu Kredit HSBC
• Kartu Kredit Citibank
• Kartu Kredit Bank Mega
• Kartu Kredit BCA
• Kartu Kredit BNI
• Kartu Kredit CIMB Niaga
• Kartu Kredit Bank Permata
• Kartu Kredit Bank Mandiri
• Kartu Kredit Standard Chartered
• Kartu Kredit ANZ
• Kartu Kredit Maybank
• Kartu Kredit UOB Indonesia
• Kartu Kredit Bank Panin
• Kartu Kredit BTN
• Kartu Kredit OCBC NISP
• Kartu Kredit Bank Sinarmas
• Kartu Kredit Bank Bukopin
• Kartu Kredit Bank BJB
• Kartu Kredit BNI Syariah
• Kartu Kredit BRI
• Kartu Kredit Bank Danamon
• Kartu Kredit Bank BNP
• Kartu Kredit AEON

Jl. Tomang Raya No. 38, Jatipulo Palmerah, Jakarta Barat 11430

PT Dwi Cermat Indonesia - [email protected]

Direktorat Jenderal Perlindungan Konsumen dan Tertib Niaga Kementerian Perdagangan RI

(Directorate General of Consumer Protection and Trade Compliance)

Disclaimer: Kami akan menjaga informasi yang akurat dan terkini, namun Kami tidak dapat menjamin keakuratan informasi. Silakan verifikasi informasi kartu kredit, dan tingkat suku bunga selama proses aplikasi.

© 2024 Cermati.com. All Rights Reserved.

Best DBS Credit Cards in Singapore 2024 Comparison

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If you’re using a DBS credit card, you’ll be able to accumulate DBS rewards points from your purchases. If you’re using a DBS Corporate, Purchasing, Country Club, Live Fresh Card, Takashimaya Esso, or SAFRA card, you don’t earn DBS points.

Your rewards points earn rate differs from card to card. For example, DBS Altitude card holders may earn 3 DBS Points per S$5 spent online in local currency but DBS Woman’s card holders may earn 10 DBS Points per S$5 spent online in local currency. Some transactions do not qualify for DBS points accrual, such as bill payments via AXS, SAM, payments to educational, governmental, insurance, financial, medical, and non-profit organisations, gambling and betting, top-ups to prepaid mobile wallets and cards such as EZ-Link, GrabPay, and Singtel Dash, and instalment plans. These are called general exclusions and you will find them across all major banks in Singapore. An important thing to note is the expiry date: your DBS Points expire a year from your credit card account opening date. In subsequent years, DBS Points expire a year from the date it was earned. That means you will need to keep track of your DBS Points and redeem them promptly.

DBS points to miles

Any DBS credit card can be a “DBS miles card” because you can easily convert your DBS rewards points to Singapore Airlines’ KrisFlyer miles, Cathay Pacific’s Asia Miles, Qantas Points, or AirAsia BIG Points when you enrol in the DBS Rewards Frequent Flyer Programme. For every 1 DBS point, you get 2 air miles. Conversions must be done in blocks of 5,000 DBS points, takes 7 working days, and is subject to a $26.75 transfer fee for each transaction.

DBS rewards redemption

To redeem your DBS rewards points, log in to DBS digibank, select “Cards”, followed by “Redeem Rewards”. You will then be able to browse the rewards redemption catalogue and add items to cart. Alternatively, log in to the DBS Rewards website to browse the rewards redemption catalogue and redeem e-vouchers, rebates, and air miles. Finally, if you have the DBS Lifestyle App downloaded on your mobile device, find the “Rewards” category and you will be able to browse the catalogue. To check your DBS points balance, call the DBS customer s service hotline at 1800 111 1111.

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2 Pilihan Kartu Kredit Digibank untuk Travel, Platinum atau Signature yang Cocok Untukmu?

Tahukah kamu, kalau ternyata Bank DBS memiliki dua pilihan kartu kredit Digibank untuk travel, yaitu Digibank Travel Visa Platinum dan Digibank Travel Visa Signature. Kedua jenis kartu kredit itu, tentunya memberikan banyak keuntungan kepada para penggunanya.

Walaupun sama-sama memberikan keuntungan, namun bentuk keuntungan yang diberikan berbeda. Tidak hanya bentuknya saja yang berbeda, nominal yang diberikan pun berbeda.

Jika ingin tahu informasi lengkap mengenai dua pilihan kartu kredit Digibank untuk travel tersebut, pada kesempatan kali ini CekAja.com akan mengulasnya khusus untuk kamu. Simak bersama-sama, yuk!

Pilihan Kartu Kredit Digibank untuk Travel

Berbicara tentang kartu kredit untuk travel, seperti yang diketahui ada dua pilihan kartu kredit Digibank untuk travel yang ditawarkan, yaitu Digibank Travel Visa Platinum dan Digibank Travel Visa Signature.

Kedua kartu kredit tersebut, sesuai dengan namanya memang diperuntukkan untuk mereka yang gemar traveling.

Dan kedua kartu kredit itu pun, sudah pasti memiliki sederet fitur unggulan yang memudahkan segala jenis transaksi serta aktivitas para penggunanya. Meskipun, bentuk fitur yang ditawarkan setiap jenis kartu kreditnya berbeda.

Apabila kamu penasaran dengan fitur-fitur yang ditawarkan kedua pilihan kartu kredit Digibank untuk travel, beserta sejumlah informasi lainnya, di bawah ini CekAja.com akan mengulasnya secara lengkap sebagai berikut.

(Baca Juga: Daftar Kartu Kredit dari Bank DBS )

1. digibank travel visa platinum.

Pilihan kartu kredit Digibank untuk travel yang pertama, yaitu Digibank Travel Visa platinum. Kartu kredit ini bisa dibilang merupakan kartu kredit mid-tier andalannya para traveler, karena menawarkan banyak keuntungan.

Adapun keuntungan yang ditawarkan tersebut, tidak hanya dalam bentuk fitur dan fasilitas unggulan, namun juga berupa promo menarik.

Terlebih, syarat pengajuan yang harus dipenuhi pun sederhana, baik itu persyaratan umum maupun dokumen, antara lain:

• Warga Negara Indonesia maupun Asing.
• Berusia minimal 21 – 65 tahun untuk pemegang kartu utama.
• Berusia minimal 17 – 65 tahun untuk pemegang kartu tambahan.
• Memiliki penghasilan per bulan minimal Rp10 juta.
• Pengaju tidak wajib memiliki kartu kredit sebelumnya.
• Melampirkan KTP asli.
• Melampirkan Paspor (untuk WNA).
• Melampirkan KIMS/KITAS/ Diplomatic Visa/ Service Visa/Surat Referensi Penduduk yang berlaku hingga enam bulan ke depan (untuk WNA).
• Melampirkan Bukti Potong Pajak/SPT PPh/Slip Gaji.
• Melampirkan Surat Izin Praktek.
• Melampirkan Akte Perusahaan, SIUP dan NPWP.
• Melampirkan nomor NPWP untuk permohonan kredit kurang dari Rp50 juta.
• Melampirkan fotokopi NPWP untuk permohonan kredit di atas Rp50 juta.
• Melampirkan fotokopi bagian depan kartu kredit bank lain.

Selain memenuhi persyaratan pengajuan kartu kredit, kamu juga perlu mengetahui sejumlah biaya administrasi dan biaya lainnya yang harus dibayarkan, ketika kamu sudah menjadi pemilik sekaligus pengguna aktif kartu kredit Digibank Visa Platinum, di antaranya yaitu:

• Biaya tahunan kartu utama, Rp750 ribu.
• Biaya tahunan kartu tambahan, Rp450 ribu.
• Biaya penarikan tunai, minimal Rp100 ribu atau enam persen dari jumlah penarikan tunai.
• Denda keterlambatan pembayaran tagihan, Rp100 ribu atau sekitar satu persen dari total tagihan.
• Minimum pembayaran setiap bulan sesuai dengan jumlah yang tercantum pada tagihan, atau minimal Rp25 ribu.
• Batas fasilitas penarikan tunai per hari, 60 persen dari limit kartu kredit.

Fitur Unggulan Kartu Kredit Digibank Travel Visa Platinum

Nah, syarat pengajuan dan biaya administrasi kartu kredit Digibank Travel Visa Platinum sudah kamu ketahui lengkap di pembahasan sebelumnya.

Selanjutnya, kamu akan mengetahui sederet fitur unggulan kartu kredit satu ini, yang di antaranya terdiri dari:

1. Penawaran Khusus di Singapura

Ini merupakan salah satu fitur unggulan kartu kredit Digibank Travel Visa Platinum, yang bisa kamu dapat dalam bentuk hemat 50 persen, apabila kartu kredit ini digunakan untuk bertransaksi di 150 lebih hotel, retail store , restoran, serta e – commerce di Singapura.

2. Voucher Paket Perjalanan Gratis

Dengan menggunakan kartu kredit Digibank Travel Visa Platinum, kamu berkesempatan mendapat voucher paket perjalanan gratis, dengan menggunakan Digibank mileage milikmu.

Adapun paket perjalanan gratis yang bisa didapat, di antaranya yaitu menginap gratis di hotel pilihanmu, mendapat transportasi gratis dari perusahaan transportasi pilihanmu, serta mendapat paket perjalanan gratis dengan travel agent pilihanmu.

3. Bonus Awal Digibank Mileage

Selain dua fitur di atas, ada juga fitur bonus awal Digibank mileage yang bisa kamu nikmati. Bonus ini diberikan dalam bentuk 2000 mileage, dengan total transaksi minimal Rp1 juta menggunakan PIN dalam kurun waktu dua bulan.

4. Pengumpulan Mileage yang Lebih Cepat

Perlu diketahui, kalau poin mileage bisa terkumpul lebih cepat, apabila kamu rutin melakukan transaksi.

Pasalnya untuk transaksi ritel dalam negeri, setiap melakukan transaksi senilai Rp10 ribu (berlaku kelipatan), kamu akan mendapat satu poin Digibank mileage.

Sementara untuk transaksi ritel luar negeri, setiap melakukan transaksi senilai Rp8 ribu (berlaku kelipatan), kamu akan mendapat satu poin Digibank mileage.

5. Gratis Starbucks Favorit di Bandara

Fitur unggulan terakhir yang bisa kamu nikmati dari kartu kredit ini, yaitu gratis Starbucks favorit di bandara.

Dengan melakukan transaksi pembelanjaan minimal Rp5 juta, kamu bisa mendapatkan gratis satu minuman Starbucks pilihan favoritmu sebanyak enam kali dalam satu tahun.

Digibank Travel Visa Signature

Pilihan kartu kredit Digibank untuk travel yang selanjutnya, yaitu Digibank Travel Visa Signature. Buat kamu yang belum tahu, kartu kredit ini sebenarnya sama-sama ditujukan untuk mereka yang gemar traveling.

Jadi, secara keseluruhan kartu kredit ini tidak jauh berbeda kegunaannya dengan kartu kredit Digibank sebelumnya.

Hanya saja, untuk fitur unggulan, biaya tahunan dan biaya lainnya yang harus dibayarkan setiap bulannya ada sedikit perbedaan.

Yang mana, kartu kredit ini memberikan fitur unggulan yang lebih banyak dan lengkap. Namun tentunya, hal itu sebanding dengan biaya tahunannya yang lebih besar.

Jika hal itu tidak menjadi masalah untukmu, dan kamu tetap tertarik serta ingin mengajukan kartu kredit Digibank Travel Visa Signature, di bawah ini merupakan sejumlah syarat umum dan dokumen yang harus dipenuhi.

• Memiliki penghasilan per bulan minimal Rp30 juta.

Setelah semua persyaratan tersebut kamu penuhi dengan baik, maka berikutnya kamu perlu mengetahui sejumlah biaya yang akan dikenakan, ketika kamu sudah menjadi pemilik dan pengguna aktif kartu kredit Digibank Travel Visa Signature, yang di antaranya yaitu:

• Biaya tahunan kartu utama, Rp1 juta.
• Biaya tahunan kartu tambahan, Rp500 ribu.
• Biaya penarikan tunai, minimal Rp150 ribu atau enam persen dari jumlah penarikan tunai.

Fitur Unggulan Kartu Kredit Digibank Travel Visa Signature

Di pembahasan sebelumnya kamu sudah mengetahui syarat pengajuan dan biaya kartu kredit Digibank Travel Visa Signature.

Kalau begitu, maka selanjutnya kamu juga perlu tahu sederet fitur unggulan yang ditawarkan kartu kredit ini. Penasaran apa saja? Yuk simak ulasan berikut ini!

1. Fitur Travel & Redeem

Fitur unggulan pertama yang ditawarkan kartu kredit ini, yaitu Travel & Redeem. Buat kamu yang asing dengan fitur ini, Travel & Redeem merupakan fitur yang memungkinkan kamu untuk mendapat voucher paket perjalanan komplimen, menggunakan Digibank mileage.

Nah untuk paket perjalanan komplimennya sendiri, di antaranya terdiri dari menginap gratis di hotel pilihanmu, mendapat transportasi gratis dari perusahaan transportasi pilihanmu, serta mendapat paket perjalanan gratis dengan travel agent pilihanmu.

2. Bonus Awal Digibank Mileage

Bonus awal Digibank mileage juga menjadi fitur yang tak boleh kamu lewatkan, karena kamu bisa menikmati bonus sebesar 3000 mileage, dengan total transaksi minimal Rp1 juta memakai pin dalam kurun waktu dua bulan.

3. Pengumpulan Mileage yang Lebih Cepat

Fitur yang satu ini, memungkinkan kamu mengumpulkan poin mileage lebih cepat. Pasalnya, untuk transaksi ritel dalam negeri dengan nilai transaksi Rp8 ribu (berlaku kelipatan), kamu akan mendapat satu poin Digibank mileage.

Sedangkan untuk transaksi ritel luar negeri dengan nilai transaksi Rp10 ribu (berlaku kelipatan), kamu akan mendapat dua poin Digibank mileage.

4. Gratis Starbucks Favorit di Bandara

Buat kamu pecinta minuman dan makanan Starbucks, ini mungkin jadi fitur unggulan yang sangat kamu nantikan.

Bagaimana tidak, karena fitur ini bisa memberikanmu komplimen dua makanan atau minuman ukuran Tall , maupun satu makanan atau minuman ukuran Tall sebanyak 12 kali dalam setahun.

Menariknya, makanan dan minuman tersebut bisa kamu pilih sesuai selera atau favoritmu, di bandara terpilih di Indonesia, dengan terlebih dahulu melakukan transaksi senilai Rp5 juta dalam lembar tagihan terakhir.

5. Gratis Akses Airport Lounge di Seluruh Dunia

Selain empat fitur di atas, kamu juga akan mendapatkan gratis akses airport lounge di seluruh dunia. Akses ini tentunya tidak hanya diberikan untuk kamu, namun juga untuk satu tamu dengan DragonPass .

6. Perlindungan Asuransi Perjalanan

Fitur terakhir, yaitu perlindungan asuransi perjalanan. Jika menggunakan kartu kredit ini untuk traveling, nantinya kamu akan mendapatkan asuransi perlindungan perjalanan, serta asuransi biaya pengobatan di luar negeri hingga Rp1 miliar.

Hanya saja, fitur ini baru bisa didapat apabila tiket pesawat dibeli menggunakan kartu kredit Digibank Travel Visa Signature.

(Baca Juga: Pengertian Kartu Kredit Pemerintah )

Itulah dua pilihan kartu kredit Digibank untuk travel, yang sudah kamu ketahui secara lengkap informasinya di pembahasan sebelumnya.

Kedua jenis kartu tersebut tentu memiliki keunggulan dan kelemahannya masing-masing. Sehingga, kamu bisa memilih satu di antaranya yang paling sesuai dengan kebutuhan dan kemampuan finansialmu.

Tetapi, jika dari dua kartu tersebut tidak ada yang sesuai dengan kebutuhanmu, maka kamu bisa mencari produk kartu kredit milik bank lain, yang sekiranya bisa memenuhi semua kebutuhanmu.

Lalu, bagaimana caranya? Tentu sangat mudah. Kini, kamu tidak perlu lagi berkunjung ke setiap situs resmi bank penerbit kartu kredit, karena kamu bisa langsung berkunjung ke situs perbandingan CekAja.com.

Di sana, tersedia banyak rekomendasi kartu kredit yang bisa kamu pilih sesuai kebutuhan dan kemampuan finansial. Berikut beberapa pilihannya:

Tidak hanya itu, proses pengajuan kartu kredit di CekAja.com pun sangat mudah, cepat dan aman, karena CekAja.com sudah terdaftar di Otoritas Jasa Keuangan (OJK).

Jadi, tunggu apalagi? Yuk, temukan kartu kredit travel terbaikmu sekarang juga, dan ajukan melalui CekAja.com!

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How to save on overseas spending with DBS My Account & Travel Mode

Save on overseas transactions with My Account and DBS Visa Debit Card, and manage your banking seamlessly with Travel Mode.

Travel costs may be on the rise, but that doesn’t mean vacationing has to break the bank. 

In the previous post in this series, we saw how the DBS Travel & Leisure Marketplace can help travellers save on flights and hotels (don’t forget to take advantage of the promotion for offsetting travel costs with DBS Points at 3x value! ), as well as travel insurance.

In this post, we’ll look at how travellers can reduce their overseas transaction costs, as well as manage their banking needs wherever they are in the world.

DBS My Account

DBS My Account is a digital multi-currency bank account that allows customers to leverage a single account for saving, spending, and investing in SGD and foreign currencies. It has no minimum balance, no initial deposits and no service charges. 

My Account supports 12 different foreign currencies:

Before or during a trip, customers can convert SGD into any of the above currencies and spend via their DBS Visa Debit Card (except CNH), with no foreign currency conversion fees.

All they need to do is link their My Account as the primary account to the DBS Visa Debit Card, which can be done via the digibank app or digibank online.

Is it better to spend overseas with a DBS Visa Debit Card linked to My Account, or a credit card like the DBS Altitude Card? That depends on what you’re solving for. 

If the goal is to simply minimise the total cost of your transaction, then the former would be the preferred option.

For example, the Singapore Dollar is near all-time highs compared to the Euro and Japanese Yen, but there’s no knowing what things will look like six months from now. With My Account , you can lock in a favourable exchange rate today, then spend the funds on your future vacation via the DBS Visa Debit Card.

In contrast, transactions made with the DBS Altitude Card (or any credit card for that matter) are subject to the prevailing exchange rate at the time of transaction. Unlike the My Account/DBS Visa Debit Card combo, you can’t lock in a favourable exchange rate in advance. 

In terms of rewards, DBS Visa Debit Cardmembers can earn an easy 5% cashback simply by linking their DBS Visa Debit Card to a DBS Multi-currency Account (e.g. My Account) and topping up their foreign currency wallet for the first time. 

The 5% cashback only applies to the very first foreign currency wallet top-up and is capped at S$10 , so I’d advise topping up at least S$200 to maximise this benefit. No spending is required, so this is a nice little incentive to get started. 

DBS Visa Debit Cardholders will also earn up to 3% cashback on their foreign currency spending, broken down as follows:

No foreign currency transaction fee applies when using the foreign currency wallet on your DBS Visa Debit Card. Do ensure you have sufficient funds for your transaction, however, as the entire transaction will be charged to your SGD balance if not (using Visa’s exchange rates and with a 3.25% foreign currency conversion fee). 

DBS Altitude Cardmembers can earn up to 2 miles per S$1 spent in foreign currency, with no minimum spend or cap. Transactions are subject to a 3.25% foreign currency transaction fee, which means you’re buying miles at 1.63 cents apiece (3.25/2). That could still be worth it, but it all boils down to how much you value a mile.

DBS Travel Mode

Travel Mode is a new feature on the DBS digibanking app that provides a convenient way to exchange foreign currencies, activate overseas card spending, purchase travel insurance and manage your travel budget.

To activate Travel Mode, login to your DBS digibanking app, tap on More (bottom right) ➤ Travel Mode  (alternatively, toggle the Travel button at the top of the digibank home page after login).

Travel Mode will ask for the details of your next trip: namely where you’re going to and when.

Once travel mode is activated, further options will appear:

• Purchase travel insurance
• Check exchange rates
• Activate card for overseas usage
• Travel tips

Travel insurance

As mentioned in my previous post, travel insurance is absolutely essential for any overseas trip. If you can’t afford travel insurance, you can’t afford to travel. 

DBS Altitude Cardholders can enjoy a 60% discount on Single Trip Plans and 30% off Annual Multi-Trip Plans by entering the promo code ALTTSP during application and paying with their DBS Altitude Card (this promo code goes live from 30 September 2022 ). They will also receive a S$30 GoJek voucher when purchasing a TravellerShield Plus Annual Multi-Trip Plan. 

The Platinum plan comes with the highest coverage, with up to S$1,000,000 of overseas medical expense coverage, up to S$8,000 for lost or damaged baggage, as well as trip cancellation protection. COVID-19 related medical expenses and trip cancellation is also covered within specified limits. 

Checking exchange rates

With Travel Mode activated, DBS My Account customers can easily convert Singapore dollars into 11 foreign currencies and spend through their linked DBS Visa Debit Card, with no foreign currency conversion fees. 

Customers can setup alerts to inform them when their desired currency falls below a certain threshold. 

They can also peek at the foreign currency balance from the app’s home screen, for a quick reminder of how much is left in their account.

Track overseas spending

DBS Travel Mode provides customers with a breakdown of their total overseas spending by category, which helps with budget tracking. You can see at a glance the amount you’ve spent on shopping, dining, entertainment, transportation and more.

Customers can also temporarily adjust their credit limit (or set a cap if necessary), or block their card if it gets misplaced. 

For travellers to Thailand: DBS PayLah! & PromptPay

For travellers planning a trip to Bangkok, Phuket, or anywhere else in Thailand, DBS PayLah! has been compatible with PromptPay ever since August 2022.

This means you can use your PayLah! app to scan PromptPay QR codes and make payment at eight million transaction points within Thailand, wherever the acceptance mark is tagged to the following financial institutions.

This is particularly useful in situations where merchants don’t accept credit card payments, like at Chatuchak Weekend Market and certain outlets at Platinum Mall. PromptPay is also accepted at BTS stations, allowing you to avoid the hassle of coins and notes when buying Skytrain tickets. 

Exchange rates will be clearly disclosed at the time of transaction, and no further fees apply. 

Do note that payment can only be made via a PromptPay QR code that belongs to a registered business entity . If you scan a PromptPay QR code belonging to an individual, you’ll receive an “invalid QR code” error message. In that case, request the merchant provide you with the QR  code tagged to his/her registered business entity instead.

With the Singapore Dollar hitting all-time highs against several foreign currencies, it might not be the worst idea to open a My Account and start locking in some of those rates for future travel plans. 

Don’t forget to try out Travel Mode on your next overseas trip too, which will help you better track your overseas spending and top-up your foreign currency balances as needed. 

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Dbs cards offering extra $100 cashback on dining, shopping & travel, hsbc revolution nerfs 4 mpd for contactless payments and travel transactions, 23 comments.

Would you recommend using the debit card above over a youtrip or revolut card?

you’ll want to compare the rates on offer. assuming they’re similar, then the dbs visa debit has the added advantage of extra cashback.

is the DBS myaccount thing just another youtrip?

The concept is similar, but it adds cashback to the mix

I found the “N/A” under FCY fee very deceiving. DBS charges a fee on FX transactions, it just hides it into a worse-than-market rate; to buy USDs the fee right now is 0.8%, for SEK is 1.6%, etc.

You should know better and must highlight this on your posts.

You’re alluding to spreads, not FCY fees. There are no FCY fees when you spend on the debit card with funds from the relevant foreign currency wallet. regarding spreads, you will be able to view the rates at the time of exchanging currency and decide if they make sense. i mean, going by that logic you might as well say that youtrip revolut etc also are deceiving for saying no FCY fees, since they also build a spread into their exchange rates. also, if you want to conflate the FCY fees with spreads, then literally every means of spending overseas …  Read more »

Check yourself before you wreck yourself Jake, lol!

The promo code for Travellershield Plus does not seem to work, tried on both mobile and the app.

promo code will go live on 30 september.

Thank you – but you’d still use Amaze + MC right? 5% cashback in lieu of miles.. doesn’t get me out of bed

Separately, your profile pic with SQ chiobu nicer. Can change back?

amaze + crmc definitely has its perks, but if you think the current rates for JPY, EUR etc are worth locking in (And i know a lot of people who do), this is one way of doing so while getting a free $10 in the process.

re profile photo: working on 2022 edition.

I have better uses for my cash than leaving it in the bank to speculate on some dumb exchange rate for a trip 6-12 months down the line

Are you that hard up that you can’t set aside 3-5k for an upcoming trip? Not like you’re going to make 10x returns on that small sum of money anyway.

I can guarantee most people on this blog do not have the expertise to correctly forecast the direction of the exchange rate 6 months down the road. Pretty sure 9/10 would be bagholding JPY/GBP/EUR by the time their trip comes around because they don’t understand that the macro factors underpinning the latest moves are here to stay. You want to speculate on the direction of FX you can just set aside a small amount of money and open a leveraged position. And yes, if we are talking about the same speculative nature of hedging FX, I am easily doing 10x …  Read more »

See you at bedok reservoir bro

I agree with your points, but no need to be so condescending la.

Can’t we go back to my flight reviews? The multitude of credit card offers doesn’t excite me much

1) debit card is more risky than credit cards in terms of fraud, esp susceptible in overseas 2) forex could move against you too

DBS if you’re reading, the right way to help us save on travel is to bring back 10X on WWMC + Amaze.

Can compare the card with youtrip ? seems to be the same services

What is the atm withdrawal fee for this?

How are refunds in foreign currency to the debit card processed?

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10 Jenis Kartu Kredit DBS: Limit, Iuran Tahunan Dan persyaratan

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1. Kartu Kredit DBS Visa Infinite

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3. Kartu Kredit DBS Visa Travel Signature

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9. kartu kredit digibank live fresh, 10. kartu kredit dbs mastercard titanium.

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Best travel credit cards of June 2024

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for savers: Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card
• What to know about travel credit cards
• Tips for choosing the best travel card

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How we assess the best travel credit cards

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Best starter travel card

Chase Sapphire Preferred® Card

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

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℠.

60,000 bonus points

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

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.

Regular APR

21.49% - 28.49% Variable

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

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• 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, 2024.
• Member FDIC

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

• 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
• Zero foreign transaction fees make this an excellent choice for international travelers.
• You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
• The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

The Platinum Card® from American Express

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.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

• 5X 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.
• 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• 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 with American Express Travel when you pay with 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.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

• 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

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

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

• 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

70,000 bonus points

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.

21.24% - 29.24% (Variable)

• 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• 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

Best for intro APR

Bank of America® Travel Rewards credit card

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

• 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Chase Sapphire Reserve®

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℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
• 5x Earn 5x total points on flights through Chase Travel℠.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• 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®

Best for practical perks

Capital One Venture X Rewards Credit Card

• 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

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• 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 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
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 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. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.

20.49% - 29.24% Variable

• 5% Enjoy 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
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• 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.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 70,000 points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best for luxury hotel perks

Marriott Bonvoy Brilliant® American Express® Card

• Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

20.24%, 25.24%, or 29.99% Variable APR

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• Enjoy your first checked bag free on Delta flights.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

• Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

• You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
• Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
• Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
• It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site. Earn 5x points on eligible travel, dining, and gas. Earn 1x points on all other purchases.

29.74% Variable

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

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.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

12 Best Cashback Credit Cards in Singapore (Jun 2024)

Collecting air miles for your jet setting lifestyle admittedly sounds sexier than trying to scrounge for cash rebates. But if you’re still one of those people who believe that cash is king, getting card benefits in cold, hard cash is just as appealing.

You literally get free money when you use a cashback credit card  (on top of welcome gifts !), and given that’s there’s no free lunch in Singapore, there’s no way we’re saying no to that.

So let’s take a look at the best cashback credit cards in Singapore in Jun 2024.

Best cashback credit cards Singapore 2024

• Best cashback credit cards in Singapore 2024

UOB Absolute Cashback Card

Citi cash back+ card, hsbc visa platinum credit card.

• Standard Chartered Simply Cash Credit Card

American Express True Cashback Card

Ocbc infinity cashback card, cimb world mastercard, uob one card, citi cash back card, dbs live fresh card.

• OCBC FRANK Credit Card

POSB Everyday Card

• How do cashback credit cards work?

1. Best cashback credit cards in Singapore 2024

Here are our top picks for cashback cards with the highest cashback rates.

Back to top

2. UOB Absolute Cashback Card

[UP TO S$11,000 WORTH OF PRIZES] Stand a chance to win  up to 2 Grand Prizes  when you apply through MoneySmart!  No min. spend required! T&Cs apply.

• A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore  (worth S$656)! [10 Winners]
• A  Samsung Galaxy S24 Ultra 512GB  (worth S$2,458) or  68,000 Air Miles  (worth a Business Class Round Trip to Taiwan for 1) or a  Sony WH-1000XM5 Headphones  (worth S$589)! [3 Winners]

  PLUS receive  S$350 Cash Credit from UOB  when you are the  first 200 new-to-UOB credit card customers in June 2024  who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply .   Enjoy  10% Cashback  on the transactions charged to your Card during your card approval calendar month and the following calendar month. Total bonus cashback is capped at S$100.  T&Cs apply .

Cash Back Features

Enjoy 1.7% limitless cashback across all your overseas spend and local retail spend including groceries, insurance, as well as big purchases such as home furnishings, electronics and luxury shopping.

Enjoy 0.3% limitless cashback on generally excluded spend such as Grab mobile wallet top-up, school fees, healthcare and government services.

Among the small pool of unlimited cashback cards out there, the best card on the market is UOB’s Absolute Cashback card . This card edges out the competition (namely, the Citi’s Cash Back+ Card and the OCBC INFINITY Card) by adding a 0.1 percentage point to its rebates for a total of  1.7% unlimited cashback . That’s the highest unlimited, $0 minimum spend  cashback rate you can find in Singapore.

The only downside? It’s an Amex card, which means that it might be a challenge to find smaller merchants that accept it.

On the other hand, the UOB Absolute Cashback Card has a big plus— expenses like bills and insurance can earn cashback . So if you do stick to large merchants and put all your spending there, as well as bills , insurance premiums, and the like, you’ll be able to get more mileage than the cards listed below.

The UOB Absolute Card got nerfed on 6 May 2024, with UOB slashing cashback from 1.7% to 0.3% on categories like:

• Tax payments
• Pet stores and veterinary services
• Medical services and hospitals

Despite the nerf, it remains a relatively solid unlimited cashback card to have because most of these exclusions above are also on the exclusion list for other unlimited cashback cards. It isn’t “absolute” nor truly “limitless” as advertised, but is the most limitless available on the market.

3. Citi Cash Back+ Card

[FASTER GIFT FULFILMENT] Get an  Apple iPad (10th Gen), 64GB  (worth S$529) or a  Secretlab TITAN Evo Lite Chair  (worth S$519) or a  Sony WH-1000XM5 Wireless Noise Cancelling Headphones  (worth S$589) or  S$300 Cash via PayNow, in as fast as 6 weeks  from meeting the S$500 spend criteria!  T&Cs apply .

Key Features

1.6% cashback on your spend

No minimum spend required and no cap on cash back earned

Cash back earned does not expire

Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS

With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Unlike some cards which benefits look like they’ll require a PhD to figure out, anyone with half a brain cell can successfully earn cashback on the Citi Cash Back+ Card .

Unlimited cashback cards like Citi Cash Back+ give you a flat cashback rate with no minimum spend on everything with no cashback cap .  This makes them ideal for big-ticket spending like wedding banquets or home renovations , which would bust the cashback cap on most other cards.

The Citi Cash Back+ Card currently plays second fiddle to UOB’s Absolute Cashback card, offering 1.6% cashback on all spending .

There’s almost nothing that would disqualify you from the 1.6% cashback, but some exclusions include insurance and tax payments. On the flipside, I noticed that the UOB Absolute Cashback Card has MCC 0742, Pet stores and Veterinary Services on its exclusion list, but the Citi Cash Back+ Card doesn’t have this exclusion . Pawrents , take notes!

The Citi Cash Back+ Card also has 1 more advantage—unlike the UOB Absolute Cashback Card, which is an Amex card, its association is Mastercard. That opens up a wider range of merchants who’ll accept it.

ALSO READ :  Visa vs Mastercard vs American Express – Which is Best?

4. HSBC Visa Platinum Credit Card

Earn  3,950 SmartPoints  or  S$150 Cash via PayNow  when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month.  T&Cs apply .

Use 3,950 SmartPoints to fully redeem a product from our Rewards Store . If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$219 on top of your earned SmartPoints.

5% cash rebate on dining, groceries and petrol with min. S$600 spend/month for all 3 months in a calendar quarter

S$250 cash rebate cap per calendar quarter

The HSBC Visa Platinum Credit Card is a great cashback card if you regularly spend at least $600 a month on dining, groceries, and petrol . That’s because it offers up to 5% cashback on those categories only if you hit this minimum amount.

On top of that, you’ll receive complimentary access to Entertainer with HSBC—a food rewards app with 1-for-1 deals on dining, lifestyle, and travel worldwide.

There is a rebate cap of $250 per calendar quarter , which means that you will max out your cash rebates at a total spending of $5,000. Going to spend more than that in a quarter? Opt for an unlimited cashback card instead, such as the  UOB Absolute Cashback Card ,  Citi Cash Back+ Mastercard or  Standard Chartered Simply Cash Credit Card .

5. Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

[CASH BONUS FLASH DEAL] Earn  4,000 SmartPoints or up to S$350 Cash via PayNow  when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date!  T&Cs apply .   PLUS get EXTRA S$50 CASH BONUS  when you are the first 10 customers to submit the claim form at 2PM & 9PM daily! Now that's  up to S$400 Cash via PayNow!   Use 4,000 SmartPoints to fully redeem a product from our Rewards Store . If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2-inch iPad Wi‑Fi 64GB (9th Generation) at only S$104 on top of your earned SmartPoints.

Flat 1.5% cashback rate for all eligible purchases

No cashback cap and no minimum spend

Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program

1 year annual fee waiver, no minimum spend required

As far as $0 minimum spend unlimited cashback cards go, the Standard Chartered Simply Cash Credit Card is in third place after the  UOB Absolute Cashback Card  (1.7%) and  Citi Cash Back+ Mastercard / OCBC INFINITY Cashback Card  (1.6%). It gives you 1.5% cashback on all eligible spending with no cashback cap and no minimum spending . Here, “eligible spending” refers to pretty much everything barring the usual exceptions—bills, taxes, insurance premiums and any top-ups to prepaid cards or accounts.

Despite a slightly lower cashback rate than the Citi Cash Back+ Card, the Standard Chartered Simply Cash Credit Card has some advantages: for instance, its annual fee is waived for the first 2 years instead of only the first year. It’s also worth comparing their limited-time sign-up promotions to see which gets you a better welcome gift.

6. American Express True Cashback Card

Get S$130 Cash via PayNow when you apply for an American Express True Cashback Card and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply .

Unlimited & Immediate Cashback - No min spend and no cap on how much you earn. Get your cashback in the same month's statement.

3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members.

1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap.

The Amex True Cashback Card is one of the longest-standing unlimited cashback cards around. It doles out 1.5% cashback on all spending with no minimum spending requirement and no cashback cap. The card also offers 3% cashback on up to $5,000 worth of spending in your first 6 months of use.

While the Amex True Cashback Card sounds like a better deal than the Standard Chartered Simply Cash Credit Card we just talked about, it’s harder to get. The Standard Chartered Simply Cash has a minimum income requirement of $30,000 (Singaporean) or $60,000 (Non-Singaporean), which is standard for an entry-level credit card. That’s what the Amex True Cashback Card is NOT—its income requirements aren’t even published, so it’s up to Amex’s discretion.

Do also note that the Amex True Cashback Card comes with an annual fee of $174.40. This is waived for the first year, but Amex is one provider that may not waive the card fee thereafter—no matter how nicely you ask.

7. OCBC INFINITY Cashback Card

Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas.

No minimum spending required to earn cashback

No limit to the cashback you can earn

Cashback willl be credited automatically to your card account

The OCBC INFINITY Cashback Card is yet another no minimum spend, unlimited cashback card. What sets it apart from its fellow $0 minimum spend contenders?

Well, it used to offer (for a limited time) the highest unlimited cashback rate in town—1.8%. Now that that 1.8% promotion has ended, the OCBC INFINITY Cashback Card is pretty much on par with its 1.6% unlimited cashback counterpart, the Citi Cash Back+ Card .

However, one difference between them is in the way that the cashback is applied. The OCBC INFINITY Cashback Card has an ideal cashback mechanism for lazy folks like myself—the cashback is automatically offset in the same month’s statement. There’s no need to log in to an app and redeem it, which Citi Cash Back+ Card members have to do.

The OCBC INFINITY Cashback Card also gives drivers extra savings on petrol:

• Up to 16% off fuel savings at Caltex Petrol Stations
• 14% off fuel savings at Esso Petrol Stations

8. CIMB World Mastercard

2% Unlimited Cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods.

1%* Cashback on all other spends.

Access to Over 1,300 Airport Lounges via Mastercard Travel Pass App provided by Dragonpass

50% Off Green Fees at golf courses across the region

No annual fees for life

Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards

Access to over 1,000 regional deals & discounts across Singapore, Malaysia and Indonesia

As far as unlimited cashback cards go, one that’s often forgotten is the CIMB World Mastercard . No, despite its name, it’s not a miles card. The CIMB World Mastercard is actually quite a cashback heavyweight, bringing 2% unlimited cashback to the table.

Wait, isn’t that higher than the UOB Absolute Cashback Card and Citi Cash Back + Card? It is, but there are 2 catches.

First, the CIMB World Mastercard is an unlimited cashack card, but not a no minimum spend one . You need to charge $1,000 a month to this card to enjoy the 2% cashback.

Secondly, the  2% unlimited cashback applies only to selected categories : Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods. On all other spends, you earn 1% unlimited cashback .

If credit card fees—or rather, calling up the bank to get them waived —bother you, you’ll be pleased to know that the CIMB World Mastercard promises no annual fees for life .

9. UOB One Card

[UP TO S$11,000 WORTH OF PRIZES] LAST CHANCE to win  up to 2 Grand Prizes  when you apply through MoneySmart!  No min. spend required!   T&Cs apply .

  PLUS receive  S$350 Cash Credit from UOB  when you are the  first 200 new-to-UOB credit card customers in June 2024  who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply .

Up to 10% cashback on McDonald's (including McDelivery®)

Up to 10% cashback at Shopee Singapore (excludes ShopeePay)

Up to 10% cashback at DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more)

Up to 10% cashback at Grab (including GrabFood, excludes Grab mobile wallet top-ups)

Up to 10% cashback (bus and train rides)

Up to 10% cashback on UOB Travel

Up to 4.33% cashback on Singapore Power utilities bill.

Up to 3.33% cashback on all retail spend (based on S$500, S$1,000 or S$2,000)

Fuel savings of up to 22.66% at Shell and SPC

Exclusions and T&Cs at uob.com.sg/onetncs

Once upon a time,  he  UOB One Card offered a generous maximum cashback of 15% at selected merchants. Sounds too good to be true? Now it is. The UOB One Card now only earns you a maximum of 10% cashback at selected partners like Cold Storage, Giant, Shopee, Guardian, and more.

Aside from its reduced cashback, the card also scares people off because of its complex as hell mechanism. Suitable only for those who like a challenge.

We can’t help that UOB has lowered their rates on the UOB One Card. But at least we can help you with understanding how their cashback mechanism works.

Base cashback per quarter : The card gives you up to 3.33% on all retail spending if you spend  $2,000 / $1,000 / $500 per month (at least 5 transactions) for 3 consecutive months . That’ll earn you a lump sum of $200/$100/$50 max cashback at the end of the quarter, which works out in all cases to up to 3.33% cashback.

Note the maximum cashback amounts for each of the 3 spend tiers. For example, if you spend more than $500 but still less than $1,000 for 3 months, you’ll still only earn $50 by the end of the quarter.

Does UOB pro-rate the quarterly cashback? Yes, but only for the first quarter. So if you only meet the minimum spend on 1 or 2 of your first 3 months with the UOB One Card, UOB will prorate the cashback and give you 1 or 2 thirds of the $50 quarterly cashback for that respective tier.

Additional cashback at selected partners : In order to get  additional cashback of 6.67% (making for a total of 10%) at partners like McDonald’s, Grab, Cold Storage, Shopee, 7-Eleven and SimplyGo, you need to hit a $2,000 monthly spend . If you only spend $500 or $1,000 a month, your additional cashback is only 5% .

The additional cashback stacks on top of the base cashback. It has a monthly limit of $100 for all spending tiers.

Total cashback : If you add up the base retail spending cashback (3.33%) and additional cashback at selected partners (5% or 6.67%), you get:

• 8.33% total cashback if you spend $500 or $1,000  a month for 3 consecutive months
• 10% cashback if you spend $2,000 a month for 3 consecutive months

How’s your brain doing? Tired? Then perhaps the UOB One Card with its complex cashback mechanism isn’t for you. Opt for one of the unlimited cashback cards above instead.

On the other hand, if you’re up for the challenge and know that you spend $2,000 a month, enjoy your 10% cashback with the UOB One Card.

10. Citi Cash Back Card

8% cash back on petrol and private commute spend

6% cash back on dining and groceries spend

0.2% cash back on all other retail spend

20.88% savings at Esso and Shell

Up to S$1,000,000 coverage when you charge your travel tickets to the card

Not to be confused with the Citi Cash Back+ Card, the  Citi Cash Back Card without-a-plus gives you 8% cashback on groceries and petrol and 6% cashback on dining , provided you meet the minimum spending requirement of $800 in a month. Cashback on retail spending is a a meagre 0.25%.

The total amount of cashback you can earn is capped at $80 each month, which means it’s only worth spending $1,200 to $1,440 to earn maximum cashback.

11. DBS Live Fresh Card

Score up to 6% cashback on your shopping sprees & daily commutes

Up to 6% cashback on Shopping & Transport Spend

0.3% unlimited cashback on All Spend

Enjoy first year annual fee waiver

The DBS Live Fresh  card’s biggest selling point is its  6% cashback on shopping (online and in-store) and transport spend , capped at $50 and $20 per month respectively. It’s a great choice if you’re big on retail therapy and need a ride to carry home your purchases after.

Is there a catch? Yes. In fact, we can think of 2.

Firstly, the 6% cashback comes with a minimum spend requirement of $800 a month .

Secondly, at the 6% rate, the cashback maxes out at a shopping expenditure of $833 and a transport expenditure of $333 . So if you’re thinking of getting the DBS Live Fresh Card for your transport spend only, you may want to reconsider. You’ll need to spend $800 to earn cashback on only $333 of that sum.

On the other hand, the math works out great for the shopping category. Spend $833 a month (just over the $800 minimum requirement) and earn $50 back in cashback.

What happens if you don’t hit the $800 minimum spend? You’ll earn 0.3% on your spending. This is the unlimited cashback rate that DBS allocates to all other spending with the DBS Live Fresh Card.

12. OCBC FRANK Credit Card

OCBC Frank Card

Earn 8% cashback on online/ contactless mobile transactions in SGD

Earn 8% cashback on Foreign Currency transactions

Earn 2% bonus cashback at selected Green Merchants: SimplyGo, BlueSG, Scoop Wholefoods and more.

0.3% cashback on other eligible spends

To enjoy the cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month

If you spend less than S$800, a flat 0.3% cashback is awarded

Min. annual spend of S$10,000 from date of approval to qualify for automatic annual fee waiver

I always thought anyone or anything named Frank sounded like the butt of a joke, but the  OCBC Frank Credit Card  is actually a very decent cashback card. It offers  8% cashback on foreign spending and all types of local online/contactless mobile spending , whether for clothes shopping, grocery purchases or your Netflix subscription.

The OCBC FRANK Credit Card is also offering higher cashback if you go green. You can enjoy an  additional 2% cashback when you shop at selected eco-friendly merchants, such as Scoop Wholefoods, Little Farms, SimplyGo, and BlueSG. That means you’ll earn 10% cashback at these merchants.

The minimum spending requirement is $800 in a month , with a monthly cap of $1oo cashback . To further break down the $100 cap, it’s actually a $25 cap per category among these 4 spend categories:

• Foreign spending (8% cashback, capped at $25)
• Local online transactions and mobile payment (8% cashback, capped at $25)
• Spending at green merchants (additional 2% cashback, capped at $25)
• All other spending (0.3% based cashback, capped at $25)

13. POSB Everyday Card

Up to 10% cash rebates on your daily essentials when you dine, shop online or purchase groceries

50% off family attractions and other exclusive deals

Save up to 20.1% on fuel at SPC

The POSB Everyday Card doesn’t look very alluring, but it’s good enough for life’s basic needs. There is no minimum spending requirement for you to earn 5 % cashback at Sheng Siong . For pet owners, use this card at Pet Lovers Centre for 3% cashback on regular-priced items, provided you hit the $15 minimum purchase amount.

If you drive, it also gets you 20.1% savings at SPC—everyone’s favourite cheap petrol kiosk.

On top of that, if you do spend at least $800 a month, you can unlock rebates of 10% on foodpanda and Deliveroo delivery , 8 % on selected online shopping merchants such as Amazon.sg, Lazada, Shopee, RedMart, Popular and iHerb, as well as 3% at Watsons and on dining expenses.

Bottom line: The POSB Everyday Card is a great choice if you have a family. Each up to 10% on food delivery, groceries, school supplies, and general online shopping. You do have to spend $800 a month, but those supporting a little one at home shouldn’t have a problem meeting this spend requirement anyway.

14. How do cashback credit cards work?

Before you get too excited about that hefty bonus cash rebate, remember that banks aren’t charities. They have to impose minimum spend requirements and cashback caps , or else they’ll just bleed money. So don’t get led astray by big fat cashback promises—the important details are usually in the T&Cs.

Here’s how they work:

Want to find out more about the best cash back credit cards in Singapore ? Compare and apply on MoneySmart! 

We also have a comparison tool for the best cash back credit cards in Hong Kong !

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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• Type: City with 818,000 residents
• Description: city in Saratov Oblast, Russia
• Postal code: 410000

Notable Places in the Area

Radishchev art museum.

Saratov Conservatory

Saratov Opera and Ballet

Saratov Satellite Map

Popular Destinations in Volga Region

Escape to a random place.

Which American Express Platinum Card Is Best?

Six distinctive cards offer tailored perks for customers.

Which Platinum Card Is Best?

Getty Images

Platinum cards from American Express all offer similar benefits and earning power for cardholders.

Some of the links on this site contain offers from our partners .

Key Takeaways

• American Express Platinum Cards offer luxury travel benefits for a premium price.
• Multiple cards are available to match your spending habits and needs.
• It is possible to offset one card's hefty annual fee with credits based on your assets. 

The American Express Platinum Card has been the go-to luxury rewards card for a generation of travelers. It includes premium benefits, annual credits, elite status and numerous other features that travelers enjoy. However, many people don't realize that there are actually six distinct versions of the luxury card:

• The Platinum Card ® from American Express
• The Business Platinum Card ® from American Express
• The Platinum Card® from American Express Exclusively for Charles Schwab
• The Platinum Card® from American Express Exclusively for Morgan Stanley
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Platinum Business American Express Card

Common Benefits of American Express Platinum Cards

Platinum cards have similar benefits and earning power for customers, which provides a common experience for cardholders and a unique advantage over competing cards from other issuers. All six Platinum cards have the following features in common:

• No foreign transaction fees
• Global Entry or TSA PreCheck reimbursement
• Cellphone protection
• Premium car rental privileges

Kyle Stewart of Scott & Thomas, a boutique luxury travel agency that designs personalized travel itineraries, warns those thinking about adding a Platinum card to their wallet. American Express "has elevated annual fees from $450 before the pandemic to $695 while changing benefits along the way," says Stewart. "Cardholders new to the product should carefully consider the total value of the card before applying."

A Look at Each American Express Platinum Card

The Platinum Card from American Express

This card is advertised widely on the American Express website, marketing materials and credit card reviews. The Platinum Card from American Express is also one of the easiest to apply for and doesn't require a relationship with any specific financial institution. It's best suited for consumers who want the easiest path to apply and manage their account once it is open.

• Annual fee: $695
• Welcome bonus: Earn 80,000 points after you spend $8,000 within the first six months.
• Earn five points per dollar on flights booked directly or through American Express Travel (up to $500,000 per year) or hotels booked through American Express Travel.  
• Earn one point per dollar on all other eligible purchases. 
• Complimentary access to the Global Lounge Collection
• CLEAR Plus membership
• Airline annual fee credits of up to $200
• Hotel annual fee credits of up to $200
• Complimentary Marriott Bonvoy and Hilton Honors Gold elite status
• American Express luxury hotel benefits
• Annual spending credits with Walmart+, Equinox, Uber and more
• Travel and purchase protections.

Note: Enrollment is required for select benefits. ( See Rates & Fees )

The Business Platinum Card from American Express

The Business Platinum Card from American Express features the largest welcome bonus of any Platinum Card.

• Welcome bonus: Earn 150,000 points after you spend $20,000 within the first three months.
• Earn five points per dollar on flights or hotels booked directly through American Express Travel.  
• Earn 1.5 points per dollar on purchases of $5,000 or more, and on eligible purchases with U.S. construction material and hardware suppliers, shipping providers, electronic goods retailers, and software and cloud system providers. This is capped at $2 million per year.
• Unique features: It offers over $1,000 in annual credits to merchants like Dell, Indeed, Adobe and wireless telephone providers.
• Travel and purchase protections

The Platinum Card from American Express Exclusively for Charles Schwab

Schwab is a popular investing platform, and the company partnered with American Express to customize a Platinum card with exclusive benefits for its clients. Rewards can be redeemed for deposits into an eligible brokerage account.

The information for the The Platinum Card from American Express Exclusively for Charles Schwab has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

• Unique features: Annual appreciation bonus up to $1,000, depending on the size of your Schwab holdings. Schwab customers can redeem Membership Rewards for deposits into an eligible Schwab brokerage account.

The Platinum Card From American Express Exclusively for Morgan Stanley

Morgan Stanley is another investment firm that offers a version of the Platinum card for its clients, and several unique features make its card one of the best available if you can qualify. Cardholders can redeem rewards for deposits into their Morgan Stanley brokerage account.

The information for the The Platinum Card From American Express Exclusively for Morgan Stanley has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

• Annual fee: $695 
• Welcome bonus: Earn 125,000 points after you spend $8,000 within the first six months.
• Earn one point per dollar on all other eligible purchases.  
• Qualify for a $695 annual engagement bonus if you hold a Platinum CashPlus account with Morgan Stanley.
• Add one additional Platinum card for no annual fee. 
• Annual spending credits with Walmart+, Uber and more

Stewart recommends the Morgan Stanley Platinum for retirees receiving Social Security, a pension or other recurring retirement income. In order to receive the annual $695 credit, you must have a Platinum CashPlus account with a $25,000 balance or $5,000 in monthly deposits. However, "Social Security benefits of any amount also qualify."

Delta SkyMiles Platinum American Express Card

This card earns Delta SkyMiles instead of Membership Rewards points. Additionally, its benefits center around Delta Air Lines flights rather than being a general travel card.

• Annual fee: $350 
• Welcome bonus: Earn 85,000 miles after you spend $4,000 within the first six months.
• Earn 3 miles per dollar on Delta and hotel purchases. 
• Earn 2 miles per dollar at restaurants and U.S. supermarkets. 
• Earn 1 mile per dollar on other eligible purchases.
• Receive $2,500 Medallion Qualification Dollars each year and earn $1 MQD toward elite status for every $20 spent. 
• Receive a Companion Certificate each year after card renewal.
• Up to $150 in DeltaStays credit 
• Earn a 15% discount on Delta flights when you use miles to book travel. 
• Pay nothing for your first checked bag. 
• Receive 20% back on in-flight Delta purchases.
• Up to $120 in Resy statement credits each year
• Up to $120 in ride-hailing statement credits each year

Note: Enrollment is required for select benefits. (See Rates & Fees)

Delta SkyMiles Platinum Business American Express Card

Like its consumer card, the Delta SkyMiles Platinum Business American Express Card earns miles instead of points – and rewards business expenses.

• Welcome bonus: Earn 95,000 miles after you spend $8,000 within the first six months.
• Earn 1.5 miles per dollar on transit, with U.S. shipping providers and on single eligible purchases of $5,000 or more. This is capped at $100,000 of combined eligible purchases per year.
• Receive $2,500 MQD each year and earn $1 MQD toward elite status for every $20 spent. 

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Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

Amex Business Platinum card review: Big bonus and luxury benefits

Editor's note: This is a recurring post, regularly updated with new information and offers.

The Business Platinum Card® from American Express overview

The Business Platinum Card® from American Express is one of the best business rewards cards around, thanks to its large welcome bonus and the sheer number of value-added perks it offers cardmembers. While it requires some work to take full advantage of them, the effort can pay off with savings of hundreds or even thousands of dollars per year. Card rating *: ⭐⭐⭐⭐

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

With premium cards in the mainstream these days, many people are comfortable paying annual fees of over $400. The Business Platinum Card from American Express stands out above even that, though, with a $695 annual fee (see rates and fees ) — although its annual statement credits and benefits go above and beyond to mitigate that yearly cost.

Between its high annual fee and a handful of business-focused perks, this card certainly won't be suitable for every small business — especially ones that don't log major travel expenses or ones with primary spending areas more in line with the bonus categories offered by other business cards . Still, it has some valuable perks, making it a strong choice for many businesses.

This card has a recommended credit score of 670 and above.

Let's dive into the card details so you can decide if it's a good fit for your business.

Related: How to apply for a business credit card

Amex Business Platinum pros and cons

Amex business platinum welcome offer.

New Amex Business Platinum applicants can earn 150,000 points after spending $20,000 in the first three months. Based on TPG's valuations , the Membership Rewards points this card earns are worth 2 cents apiece. So, if you can manage the $20,000 spending requirement, you'll earn points worth $3,000 toward travel. This matches the best welcome offer we have seen on this card.

While $20,000 in three months might not be hard for businesses with a lot of cash flow, if your enterprise is smaller, you could consider prepaying as many expenses as you can afford during your first three months to help earn your welcome offer.

On the other hand, if this type of spending is out of your league, another business card with a lower bonus threshold, a smaller annual fee and more targeted earning categories might be a better fit for you in the long run.

Related: How to achieve the Amex Business Platinum's spending requirement

Amex Business Platinum benefits

Amex's bevy of statement credits, easily totaling over $1,500 in annual benefits, can help cardmembers potentially offset the initial shock of that high annual fee. Here's a close look at all of them (enrollment is required for select benefits):

* These three credits are slated to end on Dec. 31 .

Alongside the plethora of statement credits you may (or may not) be able to use, the Amex Business Platinum shines through with its other travel perks.

Aside from access to Amex's Centurion Lounges , your card will open the door to the extensive American Express Global Lounge Collection . It is comprised of more than 1,500 lounges worldwide, including Delta Sky Clubs that you can enter when you have an eligible same-day flight on that airline, Priority Pass lounge access (excluding restaurant locations), Escape Lounges and Lufthansa Lounges when you have a same-day flight on that airline.

However, it's worth noting that you'll be limited to 10 total Delta Sky Club visits per year starting Feb. 1, 2025 — unless you spend $75,000 in a calendar year to unlock unlimited access.

Enrollment is required for select benefits.

As for benefits that come in handy once you reach your destination, this card allows you to register for complimentary Gold status with Hilton Honors and Gold Elite status with Marriott Bonvoy , which provide better earnings and benefits during stays with these two brands.

Cardmembers also enjoy complimentary elite car rental status with multiple programs, including Avis Preferred, Hertz Gold Plus Rewards and National Emerald Club. Enrollment is required for these benefits.

The Amex Business Platinum Card is also great for business purchases, as you might imagine. It features extended warranty protection * that prolongs eligible U.S. manufacturer warranties of five years or less by an additional year, saving business owners time and money if something happens to an item they buy.

Additionally, the card's purchase protection covers accidental damage or theft for up to 90 days after purchase, up to $10,000 per covered purchase and $50,000 per cardmember account per calendar year, so it's a great choice for expensive items.*

Aside from these two specific benefits, the card's other notable perks include:

• Cellphone protection , for a maximum of $800 per claim with a limit of two approved claims per 12-month period. Coverage for a stolen or damaged eligible cellphone is subject to the terms, conditions, exclusions and limits of liability of this benefit.**
• Access to the Cruise Privileges Program and the International Airline Program .
• A 35% rebate when you use Pay with Points to cover a first- or business-class ticket on any airline or an economy ticket on one airline of your choice (up to 1 million points back per calendar year).

* 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. **Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Related: Is the Amex Business Platinum worth the annual fee?

Earning points on the Amex Business Platinum

Amex Business Platinum cardholders will earn 1.5 Membership Rewards points per dollar on up to $2 million in eligible purchases in the U.S. per calendar year in the following categories:

• Electronic goods retailers
• Cloud service providers
• U.S. construction materials and hardware supplies
• Shipping providers
• Purchases of $5,000 or more

Cardmembers earn 5 points per dollar on airfare and prepaid hotel purchases with American Express Travel ( including Amex Fine Hotels + Resorts ).

All other purchases earn 1 point per dollar.

Related: Everything you need to know about Amex Membership Rewards

Redeeming points on the Amex Business Platinum

We recommend transferring your Membership Rewards points to any of Amex's hotel and airline partners for maximum value. You can also redeem your points for merchant gift cards or to cover charges on your bill. However, these options significantly devalue your rewards to 1 cent per point or less, so we don't recommend using your points this way.

The easiest redemption option that still offers decent value is American Express Travel's Pay with Points feature, which allows you to receive a 35% rebate when you use points toward first- and business-class flights on any airline, as well as economy-class flights on your selected airline . This boosts your redemption value for these purchases from 1 cent to 1.54 cents per point.

Just note that the 35% rebate is capped at 1 million points back per calendar year, and you must have the full number of points for the standard redemption in your account at the time of booking. You'll then receive the rebate within one or two billing cycles.

Transferring points on the Amex Business Platinum

Again, you can unlock even more value from your earnings by transferring your Membership Rewards points to any of Amex's 21 airline or hotel partners . Most transfers occur at a ratio of 1:1 and process instantly. Going this route may take a bit of research, but a little work can help increase the value of your points significantly above the TPG valuation.

You'll also want to watch for Amex's regular transfer bonuses, which can further increase the value of your points.

TPG credit cards writer Chris Nelson frequently receives outsized value by utilizing Amex's generous transfer bonuses to Avianca LifeMiles , redeeming his points for lie-flat seats, such as United Polaris business-class flights to Europe.

Related: The best ways to use Amex Membership Rewards points

Which cards compete with the Amex Business Platinum?

If you feel that your business might not be able to get the full value out of the Business Platinum Card, you might want to consider other options:

• If you want a lower annual fee but higher earning rates: The American Express® Business Gold Card offers similar redemption options to the Business Platinum but at a lower annual fee of $375 (see rates and fees ). It earns 4 points per dollar on the two categories you spend the most on each month (on up to $150,000 in combined purchases for these two categories per calendar year, then 1 point per dollar after that). For more information, please read our full review of the Amex Business Gold .
• If you don't want business-specific benefits: The Platinum Card® from American Express has perks less tailored to small businesses. You'll still earn valuable Membership Rewards points, receive up to $1,500 in annual statement credits (as long as you can take advantage of them ) and gain access to the same extensive network of airport lounges worldwide. For more information, please read our full review of the Amex Platinum .
• If you want to earn Chase Ultimate Rewards points: Chase's Ink Business Preferred® Credit Card is a TPG favorite. It earns 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines. For more information, read our full review of the Ink Business Preferred .

For additional options, check out our full list of the best business credit cards .

Read more: Practicality vs. luxury: Chase Ink Business Preferred vs. Amex Business Platinum

Bottom line

The Amex Business Platinum Card is an excellent choice for business travelers with expenses in bonus categories and those that offer statement credits. While it might not be worth it for all business owners, its travel perks are difficult, if not impossible, to beat. With a plethora of travel benefits, the Amex Business Platinum is a must-have card for business owners looking to maximize their travel.

Apply here: The Amex Business Platinum card with 150,000 Membership Rewards points after you spend $20,000 on eligible purchases in the first three months of card membership

For rates and fees of the Amex Business Platinum, click here . For rates and fees of the Amex Business Gold, click here . For rates and fees of the Amex Platinum, click here .

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Saratov: The city that almost came up overnight

The downtown with church in evening beams of the sun. Source: Shutterstock / Legion-Media

Once one of the Russian Empire’s largest cities, Saratov is home to a conservatory, one of Russia’s most famous and oldest circuses and perhaps the finest art collection in provincial Russia. Throw in long pedestrian avenues, the legacy of the Volga Germans and the mighty Volga River and you start to see the fuller picture of this city that was literally built over night.

Saratov is a great place to feel the immense grandeur of the Volga River. Saratov offers an unusual collection of architecture from the pre-revolutionary and Soviet period and its large center makes for an excellent place to take an aimless walk through centuries of Russian history literally living on top of each other.

The city which was built over night

Ukek, a Golden Horde city, was situated nearby until Tamerlane destroyed it in 1395. Saratov was founded in 1590 and soon became a popular stop between Europe and Asia. Located 858 kilometers southeast of Moscow, it was one of three lower Volga cities founded as forts to protect recently acquired territories at the Empire’s edge over a five-year span (1586-1590), along with present day Volgograd and Samara. Saratov was actually constructed significantly north of the city. The wooden buildings were disassembled, sent downstream and erected quickly allowing Saratov to appear practically overnight.

A view of Saratov from the Volga river. Source: Lori/Legion-Media

By the early 1800s Saratov had grown to be a significant port city and the railroad arrived in 1870. The city experienced a boom during World War II as many factories and institutes were relocated here, although it was closed during Soviet times as it was the site of a military aircraft manufacturing plant.

Saratov and neighboring city Engels (combined metro area today of over one million) were home to hundreds of thousands of Germans in the 18  th  , 19  th  and early 20  th  centuries. Originally invited by the Tsars to spur agricultural development in the area, the Volga Germans went on to hold prominent regional roles. Many were deported to Central Asia and Siberia during World War II, with many of those that remained immigrating to Germany in the 1980s. 

The bridge between Saratov and Engels. Source: Lori/Legion-Media

The bridge connecting Saratov with its twin city across the Volga, Engels, was the longest in the Soviet Union when completed in 1965 at 2,826 meters long. The architecture is quite diverse on the Volga waterfront with luxury apartments mingling with log cabins. Make sure to see the Balneological Clinic for an example of an old sanatorium. There are numerous cafes along the river, as well as a pedestrian zone. From the River Port at St. Naberezhnaya Kosmonavtov 7a it is possible to take a cruise as far south as Astrakhan, as far north as St. Petersburg and all major cities on the Volga River, as well as Moscow. Cruises operate from early May until mid-September and a schedule can be found here:  rech-vokzal.ru .

The evening city of Saratov with the bridge through the Volga River. Source: Shutterstock/Legion-Media

Surprisingly, Saratov went three full centuries before a promenade was built along the river. One of the main attractions here is a statue dedicated to the first man in space, Yuri Gagarin. Gagarin first moved to Saratov to continue his studies in 1951 at the Saratov Industrial Technical School. He studied tractors and spent his weekends volunteering at a local aviation club where he learned to fly. He also worked part time on the Volga docks. 

A walk through the city center

The city’s main artery is Moskovskaya St., which leads from the Volga through the heart of the city, however, Saratov’s soul can be found on Prospekt Kirova, one of Russia’s first pedestrian zones. Until 1917 it was known as Nemetskaya St. in honor of the large German population. Many sights are located here, as well as dozens of bars and restaurants. Several statues dot the landscape including a bronze statue of an accordion player and one of a young man waiting for his love with flowers as inspired by this  song about Saratov .

The oldest balneological clinic in Saratov. Source: Lori/Legion-Media

The Leonid Sobinov State Conservatory  opened in 1912 at Kirova 1 not far from the entrance to the charming Park Lipki. At the time it was only the third in the country as Saratov was then the third largest city in Russia and the largest on the Volga (16  th  largest today).

The Nikitin Bothers Circus  at the top of Kirova (away from the Volga) was the second stationary circus in Russia (the first is in Penza). This is probably the best place in town to see tigers and clowns under the same roof. Across the street is the Kryty Rynok, a covered market built in 1916. Behind the market is an example of a classic Soviet movie palace, Pobeda; it opened in 1955. If walking away from the circus towards the Volga there are well-preserved examples of proletarian communal buildings constructed in the 1920s on the left.

The building of the Saratov State Art Museum named after Alexander Radishchev. Source: Shutterstock/Legion-Media

Also of note on the street is the cinema Pioneer at Kirova 11. It was previously a Catholic Church serving the German population. Partially destroyed during the Soviet period, a fragment of the original wall can be seen inside.

One block parallel to Kirova is Teatralnaya Square. Here is the  Saratov Academic Theater of Opera and Ballet , built in 1875. Across the square is  Radishchev Museum , featuring one of the finest art collections in provincial Russia. Named for the controversial 18  th  century writer who grew up nearby (and whose grandson provided the initial collection), this was the first art museum in Russia to open its doors to the public. Today it counts numerous famous Russian painters in its collections including works by Repin, Shishkin and Falk.

The bridge out of the past to the future

Monument to Chernyshevsky and conservatory in the city center of Saratov. Source: Shutterstock/Legion-Media

One of the city’s most famous residents is Nikolai Chernyshevsky (1828-1889). A socialist, philosopher and writer, he is best known for his 1863 utopian novel, “What is to be Done?” It tells the story of Vera Pavlovna, an emancipated woman and the ascetic revolutionary Rakhmetov, who sleeps on nails and eats raw steak. The book had an enormous influence on Lenin; today the main public university is named for him and  his museum  is located at Chernyshevskogo St. 142.

Park Pobedy is the city’s largest and is located at about three kilometers from the Volga. It hosts the National Village of the Peoples of Saratov Region, an open-air architectural and ethnographic museum. 

All rights reserved by Rossiyskaya Gazeta.

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That's built for you.

Explore how your Corporate Card can help enhance your

professional and personal life.

Learn how your Corporate Card can help support you on and off the clock.

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Take advantage of special promotions featuring exclusive access to entertainment, travel, and other personal benefits.

BENEFITS AND PERKS

Every American Express ® Corporate Card comes with built-in benefits and personalized perks that follow you on or off the clock.

Green Card Perks and Benefits can help bring big value every day.

Personal travel has a new Silver Lining

As a Corporate Green Card Member, you are eligible to enroll in Hilton Honors TM Silver Status ‡ and enjoy benefits that can help your Hilton stays feel more rewarding — whether you’re traveling for work or play.

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Use Uber Cash ‡ earned on your work lunch toward Saturday night take-out

Earn 3% Uber Cash on business rides with Uber and orders with Uber Eats when you charge them to your Corporate Card. Then, use that Uber Cash towards your next personal Uber ride or Uber Eats order in the US — whether you’re grabbing a car to the beach or ordering in wings as you cheer on your top team from the comfort of your living room. Enrollment required.

Coordination & assistance a phone call away

Your Corporate Card includes Global Assist ® Hotline ‡ . You can rely on coordination and assistance services if the unexpected occurs when traveling 100+ miles from home. Card Members are responsible for the costs charged by third-party service providers.

Gold Card perks and benefits can help bring big value every day.

Get a statement credit for Global Entry or TSA PreCheck ®‡

With this benefit, you can receive a statement credit of $100 every 4 years after you apply for Global Entry (which comes with access to TSA PreCheck at no additional cost) or a statement credit of up to $85 every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck when the application fee is charged to an eligible Card.

Embrace the airport lounge lifestyle

When you’re waiting for a flight, it can feel great to ditch the crowd at your gate for the comfort and perks of an airport lounge — with no elite status or first-class ticket required. Earn a statement credit of up to $100 back per calendar year after you use your American Express ® Corporate Card to purchase lounge access through LoungeBuddy ‡ .

$100 Airline Fee Credit ‡

Get up to $100 in statement credits each calendar year after flight incidentals — like checked luggage, lounge day passes, or in-flight food purchases — are charged by your one selected, qualifying airline to your Corporate Gold Card during your business trips.  

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Platinum Card perks and benefits can help bring big value every day.

Welcome to life (and work) in the fast lane

Receive an annual statement credit of up to $189 per calendar year to help cover the cost of the auto-renewing CLEAR® Plus Membership‡ when charged to your Card — for work or personal travel. CLEAR® is a digital identity verification company that can help you move through security faster via CLEAR® Lanes at 100+ airports, stadiums, and entertainment venues across the U.S.

$200 Airline Fee Credit ‡

Get up to $200 in statement credits each year after flight incidentals — like checked luggage, lounge day passes, or in-flight food purchases — are charged by your one selected, qualifying airline to your Corporate Platinum ® Card during your business trips.

The American Express Global Lounge Collection ®‡

Enjoy complimentary access to over 1,400 airport lounges in over 650 cities and 140 countries — so whether you’re on a business or personal trip, you can look for a little spot to relax and recharge before your flight.

Exclusive access never tasted this good

Take advantage of Global Dining Access by Resy ‡ . Simply add your Corporate Platinum Card ® to your Resy profile to unlock access to exclusive reservations at sought-after restaurants, premium dining experiences, a VIP diner badge on your Resy profile, and Priority Notify so you can be among the first to know if a table opens up at a restaurant you want to check out.

Receive a Personal Card Annual Credit ‡

Enjoy a special opportunity, exclusive to eligible American Express Corporate Card Members, to unlock a Personal Card Annual Credit: receive up to a $150 statement credit each year you maintain your same Corporate Card. Eligible Corporate Card Members can unlock this opportunity upon opening an account for select Personal Cards: The Platinum Card® from American Express, The American Express® Gold Card, The American Express® Green Card, and the Blue Cash Preferred® Card. Statement credit amounts vary by Card.

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Discover the perks and benefits that your American Express ® Corporate Card has to offer for home, work, and travel.

‡Benefit Terms

Hilton Honors ™ Silver Status Enrollment

As a Corporate Green Card Member you are eligible to enroll in complimentary Hilton Honors Silver status. Benefit available only to American Express Corporate Green andCorporate Gold Card Members and is not transferable. Once you repuest enrollment in the Hilton Honors program, American Express will share your enrollment information withHilton. Hilton may use this information in accordance with its privacy policy available at hiltonhonors.com/privacypolicy. If your Corporate Green Card is cancelled for any reason,your complimentary Hilton Honors Silver status provided with the Card will be cancelled. American Express reserves the right to change, modify or revoke this benefit at any time.Hilton reserves the right to deactivate your Hilton Honors Silver status if you do not book and pay for a stay of at least one night at an eligible Hilton property between enrolling in thebenefit and the end of the following calendar year. Hilton also reserves the right to deactivate your Hilton Honors Silver status if you do not book and pay for a stay of at least onenight at an eligible Hilton property each calendar year thereafter. If Hilton deactivates your Hilton Honors Silver status because you have not met the aforementioned repuirement in agiven year, you will be able to re-enroll in Hilton Honors Silver status through American Express. Silver status benefits are subject to availability and vary by hotel; see Hiltonhonors.com/MemberBenefits and Hilton.com/en/hilton-honors/benefit-terms/ for additional details. The Hilton Honors Program, including the benefits of Hilton Honors membership, are subject to Hilton Honors Terms and Conditions; see hiltonhonors.com/terms. ©2024 Hilton.

Uber Cash Benefit for Eligible American Express Corporate Card Members

U.S. Corporate Platinum Card® from American Express and U.S. American Express® Corporate Gold Card Members are eligible to earn Uber Cash equaling 5% of eligible spend on rides with Uber and orders with Uber Eats paid for using their Gold or Platinum Card. U.S. American Express® Corporate Green Card Members are eligible to earn Uber Cash equaling 3% of eligible spend on rides with Uber and orders with Uber Eats paid for using their Green Card. Enrollment required.

Uber Cash is a payment currency for use with purchases made through Uber Services. Uber Cash earned through this benefit (i) can only be used in the U.S. to pay for rides with Uber, orders with Uber Eats, and Lime bikes and scooter rides booked via the Uber app, (ii) will have a value of one U.S. dollar ($1) available to Card Members to pay for one U.S. dollar ($1) in eligible purchases and (iii) will be added automatically to the Card Member s Uber Cash account.

To enroll in this benefit, Card Members must open the latest version of the Uber or Uber Eats app, and add their eligible American Express Corporate Card as a payment method. A window will pop up and the Card Member must press Start earning Uber Cash. If the Card Member already has their eligible Card in their Uber Wallet, the Card Member can enroll by navigating to their account, scrolling down to Partner Rewards , selecting Earn Uber Cash with your American Express Corporate Card, and then selecting Enroll Now. A window will pop up and the Card Member must press Start earning Uber Cash. If the account number of the enrolled eligible Card changes, or the Card Member wants to use a different eligible Corporate Card account as the payment method for the benefit, the Card Member would need to re enroll in the benefit using the relevant Card account number. Card Members can contact Uber Support through the app regarding any issues they have enrolling.

Eligible spend on rides with Uber and orders with Uber Eats include total amounts paid by eligible Card Members, in the U.S., for orders with Uber Eats, Pool/Express Pool trips, UberX, XL, WAV/Assist, Comfort, Connect, Pet and Select trips, and Green, Black and Black SUV trips, and tips to delivery people or drivers, but excludes car rentals, cancellation fees, portions of trips covered by a promotional value, portions of trips covered by another user through split fare, external trip fees such as damage and cleaning fees, upfront purchases of Uber Cash, credits, and subscription passes, and taxi, bike, and scooter rides. The eligible spend must be paid for using an eligible Corporate Card, and changes to the Card Member's Card details must be updated in the Uber App. Cards added to an Uber account through a third party such as Apple Pay or PayPal will not be eligible. American

Express reserves the right to suspend eligibility for the benefit if we suspect any violation or abuse.

If a Card Member earns Uber Cash under the benefit for a transaction and then changes the payment method for the transaction to a method that is not eligible, then Uber will remove the Uber Cash from the Card Member s Uber Cash account. In the event an enrolled Card Member does not earn Uber Cash under the benefit for a transaction and then changes the payment method for the transaction to an eligible Card, then Uber will add the Uber Cash earned under the benefit for the transaction to the Card Member s Uber Cash account.

Terms apply. Visit https://www.uber.com/legal/en/document/?name=uber-cash-terms-of-use&country=united-states&lang=en for details on Uber Cash. Offer is subject to change at any time without notice to you. Fulfillment of the offer is the sole responsibility of Uber.

Global Assist ® Hotline

While Global Assist ® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms .

Fee Credit for Global Entry or TSA PreCheck ®

The benefit is available to (i) Corporate Gold Card Members, (ii) Consumer Platinum Card® Members, Corporate Platinum Card® Members and Business Platinum Card® Members, and (iii) Centurion® Card Members. The benefit is also available to all Additional Card Members on Consumer and Business Platinum Accounts, and all Additional Card Members on Consumer and Business Centurion Accounts. To receive the Global Entry statement credit of $100 or the TSA PreCheck statement credit of up to $85, Basic or Additional Card Members on the eligible Card Account must pay for the respective application fee through a TSA PreCheck official enrollment provider with their eligible Card. Basic Card Members are eligible to receive a statement credit every 4.5 years for the TSA PreCheck® application fee (when applying through a TSA official enrollment provider) and every 4 years for the Global Entry application fee, in each case when charged  to the Basic Card or any eligible Additional Cards on the eligible Card Account. Basic Card Members will receive a statement credit for the first program (either Global Entry or TSA PreCheck) to which they or their eligible Additional Cards apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA PreCheck. However, eligible Card Members can earn no more than one credit for up to $85 for TSA PreCheck or $100 credit for Global Entry (but not both programs), depending upon the program the Card Member first applies for, for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA PreCheck, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA PreCheck Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA PreCheck) charge an application fee to process each respective application regardless of whether the Card Member’s application is approved. The Department of Homeland Security may suspend acceptance of applications on any basis at its discretion. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA PreCheck) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within 4 years (for Global Entry) or 4.5 years (for TSA PreCheck), even if the original application is rejected.

Membership for Global Entry or TSA PreCheck is per person, and a separate application must be completed for each individual. TSA PreCheck application must be processed through a TSA official enrollment provider. Global Entry membership also includes access to the TSA PreCheck program with no additional application or fee required. For additional information on the Global Entry or TSA PreCheck programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.cbp.gov/travel/trusted-traveler-programs/global-entry for Global Entry and www.tsa.gov for TSA PreCheck. The Global Entry or TSA PreCheck programs are subject to change, and American Express has no control over those changes.

The statement credit benefit applies to the Global Entry or TSA PreCheck programs only. Other program applications including, but not limited to, NEXUS, SENTRI, FAST, and Privium are not eligible for the statement credit benefit.

Please allow up to 8 weeks after the qualifying Global Entry or TSA PreCheck transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible Global Entry and TSA PreCheck purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Card Members are responsible for payment of all application charges until the statement credit posts to the Card Account. Statement credits may be reversed if an eligible purchase is returned/cancelled.

To be eligible for this benefit, the Card Account must not be cancelled and not past due at the time of statement credits fulfillment. If American Express, in it’s sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

$100 LoungeBuddy Credit American Express ® Corporate Gold Card Members can earn up to $100 in statement credits per calendar year when they use their Corporate Gold Card to purchase lounge access directly from LoungeBuddy, either through the LoungeBuddy website or the LoungeBuddy app. Please allow 6-8 weeks after the purchase is charged to the Card Account for statement credit(s) to post. Card Members should call the number on the back of their Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members are responsible for timely payment of all LoungeBuddy charges. To be eligible for this benefit, Card account(s) must be active through the time of statement credit fulfilment. Statement credit may be reversed if the LoungeBuddy purchase is returned. American Express relies on accurate transaction data to identify eligible LoungeBuddy purchases. No enrollment required. Please consult LoungeBuddy’s terms and conditions for more information.

$100 Airline Fee Credit Benefit is available to Corporate Gold Card Members only. To receive statement credits of up to $100 per calendar year toward incidental air travel fees, Card Member must select one qualifying airline at https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/corporate-gold . Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/corporate-gold or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $100 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member's airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment. For additional information about this benefit, call the number on the back of your Card.

$189 CLEAR ® Credit

The benefit is available to Corporate Platinum Card Members. Card Members are eligible to receive up to $189 in statement credits per calendar year for CLEAR Plus membership when charged to an eligible Card. Card Members who established a CLEAR Plus membership using another payment method and who would like to take advantage of the $189 Fee Credit for CLEAR must contact CLEAR customer service to change the payment method on their CLEAR Plus membership to an eligible Card.

CLEAR Plus memberships automatically renew each year unless canceled and CLEAR will charge the applicable membership fee to the Card CLEAR has on file. American Express has no control over the application and/or approval process for CLEAR, and does not have access to any information provided to CLEAR by the Card Member or by CLEAR to the Card Member. American Express has no liability regarding the CLEAR Plus program. Membership for CLEAR is per person, and a separate application must be completed for each individual. If a Card Member s application is not approved by CLEAR, CLEAR will refund the charges. If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. For additional information on the CLEAR Plus program, including information regarding the application and/or approval process and for a list of participating airports and stadiums, as well as the full terms and conditions of the programs, please go to www.clearme.com. The CLEAR Plus program is subject to change, and American Express has no control over those changes.

The CLEAR statement credit benefit applies to this program only. Other program applications including, but not limited to, Global Entry, TSA PreCheck® NEXUS, SENTRI, and Privium are not eligible for this statement credit benefit.

Please allow up to 6-8 weeks after a qualifying transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, please call the number on the back of your Card. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card account(s) must be active through the time of statement credit fulfilment. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it.

$200 Airline Fee Credit Benefit is available to Consumer and Corporate Platinum Card Members only. To receive statement credits of up to $200 per calendar year for incidental airline fees charged to the eligible Card, Card Member must select one qualifying airline through their American Express Online Account or the link for their Card below:

• American Express Platinum Card ® : https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/platinum
• Goldman Sachs Platinum Card ® : https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/goldman-platinum-card 
• Morgan Stanley Platinum Card ® : https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/morgan-stanley-platinum-card
• The Platinum Card ® from American Express for Charles Schwab: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/schwab-platinum-card 
• American Express Corporate Platinum Card ® : https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/corporate-platinum

Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines, and are subject to change. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen one qualifying airline will be able to do so at any time. Card Members who have already selected one qualifying airline will be able to change their choice one time each year in January through their American Express Online Account or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Statement CreditsS Incidental airline fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Incidental airline fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental airline fees must be separate charges from airline ticket charges. Fees not charged by the Card Member s selected airline (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental airline fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment.

The Global Lounge Collection®


U.S. Corporate Platinum Card Members are eligible for access to the participating lounges in the American Express Global Lounge Collection. All lounge access is subject to space availability. Each lounge program within the Global Lounge Collection has its own policies and access to any of the participating lounges is subject to the applicable rules and policies. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. To be eligible for this benefit, Card Account must not be cancelled. Please refer to each program s terms and conditions to learn more.

The Centurion ® Lounge

U.S. Corporate Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Card Members may bring up to two (2) complimentary guests into The Centurion® Lounge locations in the U.S., at Hong Kong International Airport and at London Heathrow Airport. Refer to the specific location s access policy for more information. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, the Card Member must arrive within 3 hours of their departing flight and present The Centurion Lounge agent with the following upon each visitS their valid Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same day travel (departure or arrival). Refer to the specific location s access policy for more information. Failure to present this documentation may result in access being denied. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our Lounge is not permissible. Hours may vary by location and are subject  to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you perform in The Centurion Lounge or authorize our Member Services Professionals to perform on your behalf. Services provided by Member Services Desk are based on the type of American Express Card used to enter the lounge. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

Escape Lounges The Centurion® Studio Partner
 This benefit is available to U.S. Corporate Platinum Card® Members. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members must present their valid Card, a boarding pass showing a confirmed reservation for same day travel on any carrier and government issued I.D. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. The eligible flight must be booked on a U.S. issued American Express credit card and Card Members may bringup to two complimentary guests per visit. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.

Delta Sky Club
 This benefit is available to Corporate Platinum Card® Members. Corporate Platinum Card Members must present their valid American Express Card, government issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same day Delta operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Corporate Platinum Card Members on departing flights can only access the Delta Sky Club or the Delta Sky Club Grab and Go feature within 3 hours of their flight s scheduled departure time. During a layover between Delta operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non revenue flyers at any Delta Sky Club. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self service bar, unless accompanied by a responsible, supervising adult who has access to the Delta Sky Club. Benefit valid only at Delta Sky Club. Partner lounges are not included. Note that amenities may vary among Delta Sky Club locations. Participating airport clubs and locations subject to change without notice. Corporate Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Card as the payment method for guest access. Guests must also be flying on a same day Delta operated flight. Guest access and fees subject to terms and conditions of participating airport clubs. Access is subject to Delta Sky Club rules. To review the rules, please visit Delta/com/skyclub . Benefit and rules subject to change without notice. Additional restrictions may apply.

Effective January 1, 2024S U.S. Corporate Platinum Card® Members traveling on a same day Delta operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.

This benefit is available to U.S. Corporate Platinum Card® Members. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their government issued I.D., a same day departure boarding pass showing a confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines) and a valid Platinum Card. Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges .

Plaza Premium Lounges
 This benefit is available to U.S. Corporate Platinum Card® Members. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Members must present their valid Card, a boarding pass showing a confirmed reservation for same day travel on any carrier and government issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Must be of legal drinking age to consume alcohol. Please drink responsibly. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.

Priority Pass™ Select
 This benefit is available to U.S. Corporate Platinum Card® Members. Corporate Platinum Card® Members and Additional Corporate Platinum Card® Members must enroll in the Priority Pass™ Select program through the benefits section of their account or by calling the number on the back of their Card to receive the benefit. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify yourCard Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Corporate Platinum Card® Card Members with a valid Card Account may access participating Priority Pass Select lounges by presenting their Priority Pass Select card and airline boarding pass. If the Card Account is canceled, you will not be eligible for Priority Pass Select and your enrollment will be canceled. When visiting a Priority Pass Select lounge that admits guests, Corporate PlatinumCard® Members receive complimentary access for up to two accompanying guests. After two guests, the Card Account on file with Priority Pass Select will be automatically charged the guest visit fee of the Priority Pass Standard program for each additional guest after you have signed up for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Some lounges limit the number of guests or do not admit guests. In some lounges, Priority Pass Select members must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges and access to participating lounges is subject to all rules, terms and conditions of the applicable lounge. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority PassConditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com . Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to lounges after your enrollment in Priority Pass Select has been processed, you can activate your membership online by using your Priority Pass Select membership details to receive a Digital Membership Card. For a step by step guide on the activation process, visit www.prioritypass.com .

Additional Global Lounge Collection Partner Lounges
 American Express offers access to additional lounges in the Global Lounge Collection where U.S. Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government issued I.D., and a boarding pass showing a confirmed reservation for same day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self service bar, the Card Member may be required to be of legal drinking age in the jurisdiction where the participating lounge is located to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Members must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, American Express may take away the access benefit from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge .

 

 Global Dining Access by Resy
 The Global Dining Access program (“GDA”) is a benefit available to eligible Card Members. Eligible Card Members are account holders of Platinum Card® or Centurion® Card from American Express, Business Platinum Card®, Business Centurion® Card from American Express, Corporate Platinum Card® or Corporate Centurion® Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, Hilton Honors American Express Aspire Card, The Platinum Card® from American Express Exclusively for Morgan Stanley, The Platinum Card® from American Express Exclusively for Charles Schwab, The Platinum Card® from American Express for Goldman Sachs, and The Centurion® Card from American Express for Goldman Sachs (and any Additional Card Member(s) on their accounts). GDA may not be available for Cards issued from some countries. GDA provides eligible Card Members with (a) access to exclusive reservations, (b) Priority Notify, which allows GDA members to set notifications to be in the first group notified when tables become available before they are made available to other Resy users, and (c) access to exclusive events. GDA reservations are accessible through the Resy iOS App and Website (“Resy Sites”) and Concierge. Some features of GDA, like Priority Notify, may not be available through Concierge. To access this benefit through the Resy iOS App, you must download the Resy App; or if you already have the Resy iOS App, ensure the latest update is downloaded. When using the Resy Sites, create a Resy account or log into your existing Resy account and add your eligible Card to your Resy account. If you are assigned a new Card number, you must update the Card number in your Resy account. When you use GDA, a badge will be placed on your Resy profile, letting restaurants know that you are a member of the GDA program. Reservations are based on a first come, first served basis. In the event of a reservation cancellation, you will be subject to the restaurant s cancellation policy. Generally, same day reservations that are not booked by GDA members are released back to restaurants at certain times of day that vary across restaurant policies. American Express and Resy make no representations or warranties regarding the availability of reservations, events, and/or experiences, which shall at all times be subject to availability and the discretion of the applicable restaurant. American Express and Resy are not responsible for informing the restaurants of any dietary restrictions or for a restaurant being able to accommodate such restrictions. There is no cost to you for booking services through GDA, although you are responsible for any purchases or fees you authorize to be charged to your Card account. GDA reservations and events are intended for personal use only and cannot be resold or used for commercial purposes. By participating in the GDA program, you are accepting these GDA terms and conditions, which are in addition to and do not replace the Resy Sites Terms of Service. To be eligible for this benefit, your Card account must not be cancelled.
 


Personal Card Annual Credit

This offer is not an approval for credit. You must submit an application to apply for a Personal Card.

Offer available to US Corporate Green, Corporate Gold, Corporate Platinum, and Corporate Centurion Card Members who apply for a new Blue Cash Preferred, Green, Gold, or Platinum Card, except for Corporate Card Members who are employees of PricewaterhouseCoopers International Limited. Offer only available after entering an eligible Card number at www.americanexpress.com/corporateadvantage . The annual statement credit will be posted to your Personal Card account within 8-12 weeks after your account is opened and within 8-12 weeks of each anniversary date of Personal Card Membership. To be eligible for the annual statement credit, you must have the same Corporate Card Account and the same Personal Card Account as you did when you received your first annual statement credit. Your Personal Card must not be cancelled or past due and eligible Corporate Card accounts must not be cancelled at the time a statement credit is posted.

This offer is non-transferrable and cannot be combined with any other offer.

  Saratov, Russia Postal Code Lookup

About Saratov, Russia Postal Code Lookup

• Stavropol'skiy Kray
• Severnaya Osetiya-Alaniya
• Nenetskiy Avtonomnyy Okrug
• Murmansk Oblast
• Moskva fylke
• Sankt-Peterburg
• Krasnodarskiy Kray
• Karachayevo-Cherkesiya
• Kaliningrad
• Kabardino-Balkariya
• Ingushetiya
• Nizjnij Novgorod
• Bashkortostan
• Arkhangelsk
• Yamalo-Nenetskiy Avtonomnyy Okrug
• Taymyrskiy (Dolgano-Nenetskiy) Avtonomnyy Okrug
• Novosibirsk
• Krasnoyarskiy Kray
• Khanty-Mansiyskiy Avtonomnyy Okrug
• Evenkiyskiy Avtonomnyy Okrug
• Tsjeljabinsk
• Altayskiy Kray
• Ust'-Ordynskiy Buryatskiy Avtonomnyy Okrug
• Primorskiy Kray
• Khabarovsk Krai
• Jewish Autonomous Oblast
• Aginskiy Buryatskiy Avtonomnyy Okrug
• Koryakskiy Avtonomnyy Okrug
• Chukotskiy Avtonomnyy Okrug
• Permskiy Kray

294th Anti-Aircraft Missile Regiment

294-й зенитно-ракетный полк

Military Unit: 40218

Activated 1960 in Engels, Saratov Oblast.

Organisation:

• Anti-Aircraft Missile Battalion (51 19 30N, 46 00 52E) with S-75 (SA-2) missiles
• Anti-Aircraft Missile Battalion (51 21 27N, 46 28 56E) with S-75 (SA-2) missiles
• Anti-Aircraft Missile Battalion (51 36 01N, 46 28 51E) with S-75 (SA-2) missiles
• Anti-Aircraft Missile Battalion (51 42 57N, 45 47 48E) with S-75 (SA-2) missiles
• Technical Battalion

1980's with 3 S-75 battalions.

In 1990 three battalions converted to the S-300PS (SA-10):

• Anti-Aircraft Missile Battalion (51 21 27N, 46 28 56E) with S-300PS (SA-10) missiles
• Anti-Aircraft Missile Battalion (51 42 57N, 45 47 48E) with S-300PS (SA-10) missiles
• Anti-Aircraft Missile Battalion (51 24 36N, 46 09 42E) with S-300PS (SA-10) missiles

1992 took over awards and honours from the 534th Guards Anti-Aircraft Missile Regiment , and was renamed 511th Guards Anti-Aircraft Missile Regiment .

Headquarters:

• Engels, Saratov Oblast, 1960 - today

Subordination:

• 25th independent Air Defence Corps , 1960 - 1963
• 28th Air Defence Division , 1963 - 1998
• 5th Army VVS and PVO, 1998 - 2009
• 8th Aerospace Defence Brigade, 2009 - today