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TravelPerk   Reviews

In the Travel Agency category

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Reviews 3.5.

Most relevant

Extremely bad experiences had lately…

Extremely bad experiences had lately with concierge and chat services. The consultants are completely unable to understand your booking issues let alone solve them. What a shame! We used to be happy and very satisfied users of your platform. Now not so much, if not to say not at all ...

Date of experience : April 22, 2024

Worse than useless

Worse than useless. Implemented 6 months ago. Have had issues with at least 20% of bookings across the business. Website is good but if the smallest thing goes wrong they screw it up entirely. Absolutely no company ownership once things go wrong.

Date of experience : April 12, 2024

Worst Customer service I have ever…

Worst Customer service I have ever experienced. The guy was very rude and I have spent 5 hours back and forth on the phone with them but they prefer emails and waiting time. Everything is super complicated and just an overall bad customer experience. My company will stop using Travelperk.

Date of experience : March 09, 2024

Really good UX

Really good UX! Filtering options are well thought-over (like ordering hotels by the distance from our office), prices are not (much) higher than if I check outside of the services. Good job!

Date of experience : December 05, 2023

Travel Perk team did a fantastic job…

Travel Perk team did a fantastic job arranging for my travel from Lucknow, India to Cape Town, South Africa and back. They were vigilant enough to check for any change in flight schedule and kept sending timely reminders regarding the travel. I had a soothing experience with Travel Perk.

Date of experience : December 11, 2023

Reply from TravelPerk

Dear Prateek, We appreciate your kind words and the time you took to share your review! It's wonderful to hear about your positive experience with our services. Your positive feedback means a lot to us, and we look forward to providing you with exceptional service during your future travels. Wishing you safe and pleasant journeys ahead! Warm regards, Anna

Always great service

Always great service. I use TravelPerk for work, and the platform is perfect in every sense. Easy to search for trips, plan and book. The email notifications are very good and timely. I am also always satisfied when contacting customer service for any request - they are prompt and helpful.

Date of experience : November 27, 2023

Dear Mr Narain, Thank you so much for taking the time to share your positive experience with TravelPerk! We're happy to hear that you find joy in using our platform and have had a great experience with our Customer Care team. We truly appreciate your kind words. Our team looks forward to assisting you during your future travels, and we wish you safe and pleasant journeys ahead! Warm regards, Anna

The app works good, changing something is impossible

The app works good, but you can't do basic things ( amendments? ) I have to extend my car rental, 1 day, I took 4 days and will remain a little longer for work (normal issue). I'm being told nothing can be done, vague copy paste reply... I wish you worked rather than in getting just a cut only on car rentals, also in having some premium contact and capacity to do the BASICS! This would make my life easier and I would keep using TPK for car rentals, not anymore putting just a blocker man in the middle.. ** It was 60€ extra for one day, just didn't say anything and got the thing, pretty good way

Date of experience : September 10, 2023

Dear Joaquim, We sincerely apologize for the inconvenience you've encountered with requesting a car rental extension. Please do send us an email at [email protected] with mentioning your Trip ID so we can look into this, in case our colleagues didn't manage to solve this request for you yet! We're actively working to improve our services and provide you with the quality you expect from TravelPerk. Thank you for bringing this to our attention, and we apologize for any inconvenience you've faced. Kind regards, Anna

Travelperk easy to manage & to use

Travelperk has made our company travel booking much easier. It easy to use and manage. We've had a few technical issues but our account manager has always been on hand to assist and is listenning to our need and finding a way to support our needs & growth. We only see some train in France missing compared to local supplier, but otherwise everything shows up! Alex Stuart

Date of experience : September 29, 2022

Hey Alexandra, thank you for leaving your review with us! We're so glad to hear about your positive experience using our platform.

Using TravelPerk is genuinely as simple as booking a vacation

As a traveler, I really like booking with TravelPerk. My loyalty programs are automatically added to my trips, I book for myself with my own preferences (but still within our travel policy), and their support has gone above and beyond to help me out in some super stressful times. Plus, the new Events feature is great for when our remote team(s) meet up. Really enjoy using their platform. I even book my personal trips via TravelPerk when I can. ;-)

Date of experience : September 01, 2022

Hi Mira, thank you so much for your review! We love that you're enjoying using TravelPerk - even for your personal trips too!

virtual credit card issues

Not enough money was booked on my credit card and when doing the check-in in the hotel, I had to call the hotline and the issue couldn't be solved (even after 20 minutes on the phone). Luckily I was able to go to my room as the receptionist was friendly enough for the Travelperk agent to do the necessary steps in the background.

Date of experience : December 14, 2023

Horror company

Horror company! 20 phone calls for 1 guest. They call preferably in the middle of the night and on Sundays. Woke me up various times, even though the "issue" had been long solved. Apperantly the call center is on the other side of the earth and they don`t report after calling. Just back to sleep, another agent calls about the same issue and so on. They are terrorizing people. I banned them from my hotel and don`t ever want to hear from them, again!!!

Date of experience : March 16, 2024

Easy to use and saves time

Really great system used in our company for business travel. All employees can self manage bookings for hotels, flights and trains. Centrally paid for on account which makes for less expense claims. Corporate rates can be added. Excellent assistance from our account manager.

Date of experience : September 27, 2022

Hey LCN, thanks for sharing your experience with us! We're happy to hear you're enjoying using our platform.

My consultant was so professional

My consultant was so professional, helpful, detailed, honest, friendly, exact in his communication, transparent, and did great research for the accommodations which took nearly 2 hours, He had so much patience and went over his own time to find what I wanted dates, months, how many people and much more. I highly commend him for such an amazing outstanding customer service. I got all what I was looking for through Francis. He is very transparent in all his profession. Well done Francis .

Date of experience : June 16, 2023

This is exactly the feedback we love to hear, Tewai! We're so happy to hear about your booking, and we'll be passing on your kind words to Francis 💙

Excellent support service in the chat

Excellent support service in the chat: fast, polite, constructive. Support through emails is slow though, but it is ok whenever it is possible to solve issues in the chat. A bit frustrative invoicing system, that it is not possible to change company's name where invoice is going even if invoice is not issued. In our opinion this should be more flexible.

Date of experience : September 22, 2022

Hi there Jelena, thank you for sharing your experience with us. We'll pass on your comments to the team!

TravelPerk long term using

The cooperation between our company and TravelPerk is at a very high level. TravelPerk agents respond really quickly offering the best possible solutions. Its help center is well developed and works effectively. Both website and app interfaces are excellent: intuitive, user-friendly and transparent. A big plus for the platform UX. Sometimes we are facing problems and in the result delays because of the bugs occurring on the website. That is why I rate it for four stars. Even though, I strongly recommend using this travel platform which provides a high quality of services.

Date of experience : January 01, 2022

Hey there Helena, thank you very much for the review! We're really happy to read your thoughts about the UX, and we'll be sure to pass that onto the team.

Client Support

Very easy to use the App & if you ever need any support, the TravelPerk team are world-class! I needed to adjust my flight by 12 hours and they did it all for me, all from the mobile app - no phone calls, emails or letters needed, simple & effective service. Thank you!

Date of experience : March 13, 2023

The key: Comfort! It has been a pleasure traveling with you. Everything has been very comfortable and simple. From the preparation of the trip on the web, the confirmation by those responsible, the information that arrives by mail of the entire itinerary and also the app notifies you at which gate you should board. A luxury! Thank you very much!

Date of experience : July 11, 2022

Product is more than disappointing

Honestly so disappointed with this. It makes booking travel even more difficult than simply booking it normally and then expensing it. Every time I book it doesn't work and an agent manually has to help me. Now they've decided to remove the chatbot so it makes it even more difficult to rectify product issues. Product has so many bugs, does the product team even look at the user exp? Didn't give it 1 star becuase when it does work it's okay + client service (now gone) used to be good.

Date of experience : February 01, 2024

Poor dishonest customer service and payment not received

We are a hotel & travel perk fails to supply working virtual cards and failed to pay for room they booked. Still chasing payment. Worryingly dishonest customer service, when chasing payment. Do not use this company. Avoid allowing them to book if you own a hospitality business

Date of experience : January 30, 2024

It cant get any smother than that!

The app is very intuitive. No need for human intervention. From booking the train to collecting tickets, and checking in to the hotel, everything was smooth. There was an issue with Hotel booking, as Hilton did not accept the virtual card, but this was quickly been identified as a correspondence email change on the Hiltons side. All is well in the end. Highly recommended service!

Date of experience : July 08, 2022

TravelPerk   Reviews

In the Travel Agency category

Visit this website

Company activity See all

Write a review

Reviews 3.5.

Most relevant

Extremely bad experiences had lately…

Extremely bad experiences had lately with concierge and chat services. The consultants are completely unable to understand your booking issues let alone solve them. What a shame! We used to be happy and very satisfied users of your platform. Now not so much, if not to say not at all ...

Date of experience : 22 April 2024

Worse than useless

Worse than useless. Implemented 6 months ago. Have had issues with at least 20% of bookings across the business. Website is good but if the smallest thing goes wrong they screw it up entirely. Absolutely no company ownership once things go wrong.

Date of experience : 12 April 2024

Worst Customer service I have ever…

Worst Customer service I have ever experienced. The guy was very rude and I have spent 5 hours back and forth on the phone with them but they prefer emails and waiting time. Everything is super complicated and just an overall bad customer experience. My company will stop using Travelperk.

Date of experience : 09 March 2024

Really good UX

Really good UX! Filtering options are well thought-over (like ordering hotels by the distance from our office), prices are not (much) higher than if I check outside of the services. Good job!

Date of experience : 05 December 2023

Travel Perk team did a fantastic job…

Travel Perk team did a fantastic job arranging for my travel from Lucknow, India to Cape Town, South Africa and back. They were vigilant enough to check for any change in flight schedule and kept sending timely reminders regarding the travel. I had a soothing experience with Travel Perk.

Date of experience : 11 December 2023

Reply from TravelPerk

Dear Prateek, We appreciate your kind words and the time you took to share your review! It's wonderful to hear about your positive experience with our services. Your positive feedback means a lot to us, and we look forward to providing you with exceptional service during your future travels. Wishing you safe and pleasant journeys ahead! Warm regards, Anna

Always great service

Always great service. I use TravelPerk for work, and the platform is perfect in every sense. Easy to search for trips, plan and book. The email notifications are very good and timely. I am also always satisfied when contacting customer service for any request - they are prompt and helpful.

Date of experience : 27 November 2023

Dear Mr Narain, Thank you so much for taking the time to share your positive experience with TravelPerk! We're happy to hear that you find joy in using our platform and have had a great experience with our Customer Care team. We truly appreciate your kind words. Our team looks forward to assisting you during your future travels, and we wish you safe and pleasant journeys ahead! Warm regards, Anna

The app works good, changing something is impossible

The app works good, but you can't do basic things ( amendments? ) I have to extend my car rental, 1 day, I took 4 days and will remain a little longer for work (normal issue). I'm being told nothing can be done, vague copy paste reply... I wish you worked rather than in getting just a cut only on car rentals, also in having some premium contact and capacity to do the BASICS! This would make my life easier and I would keep using TPK for car rentals, not anymore putting just a blocker man in the middle.. ** It was 60€ extra for one day, just didn't say anything and got the thing, pretty good way

Date of experience : 10 September 2023

Dear Joaquim, We sincerely apologize for the inconvenience you've encountered with requesting a car rental extension. Please do send us an email at [email protected] with mentioning your Trip ID so we can look into this, in case our colleagues didn't manage to solve this request for you yet! We're actively working to improve our services and provide you with the quality you expect from TravelPerk. Thank you for bringing this to our attention, and we apologize for any inconvenience you've faced. Kind regards, Anna

Travelperk easy to manage & to use

Travelperk has made our company travel booking much easier. It easy to use and manage. We've had a few technical issues but our account manager has always been on hand to assist and is listenning to our need and finding a way to support our needs & growth. We only see some train in France missing compared to local supplier, but otherwise everything shows up! Alex Stuart

Date of experience : 29 September 2022

Hey Alexandra, thank you for leaving your review with us! We're so glad to hear about your positive experience using our platform.

Using TravelPerk is genuinely as simple as booking a vacation

As a traveler, I really like booking with TravelPerk. My loyalty programs are automatically added to my trips, I book for myself with my own preferences (but still within our travel policy), and their support has gone above and beyond to help me out in some super stressful times. Plus, the new Events feature is great for when our remote team(s) meet up. Really enjoy using their platform. I even book my personal trips via TravelPerk when I can. ;-)

Date of experience : 01 September 2022

Hi Mira, thank you so much for your review! We love that you're enjoying using TravelPerk - even for your personal trips too!

virtual credit card issues

Not enough money was booked on my credit card and when doing the check-in in the hotel, I had to call the hotline and the issue couldn't be solved (even after 20 minutes on the phone). Luckily I was able to go to my room as the receptionist was friendly enough for the Travelperk agent to do the necessary steps in the background.

Date of experience : 14 December 2023

Horror company

Horror company! 20 phone calls for 1 guest. They call preferably in the middle of the night and on Sundays. Woke me up various times, even though the "issue" had been long solved. Apperantly the call center is on the other side of the earth and they don`t report after calling. Just back to sleep, another agent calls about the same issue and so on. They are terrorizing people. I banned them from my hotel and don`t ever want to hear from them, again!!!

Date of experience : 16 March 2024

Easy to use and saves time

Really great system used in our company for business travel. All employees can self manage bookings for hotels, flights and trains. Centrally paid for on account which makes for less expense claims. Corporate rates can be added. Excellent assistance from our account manager.

Date of experience : 27 September 2022

Hey LCN, thanks for sharing your experience with us! We're happy to hear you're enjoying using our platform.

My consultant was so professional

My consultant was so professional, helpful, detailed, honest, friendly, exact in his communication, transparent, and did great research for the accommodations which took nearly 2 hours, He had so much patience and went over his own time to find what I wanted dates, months, how many people and much more. I highly commend him for such an amazing outstanding customer service. I got all what I was looking for through Francis. He is very transparent in all his profession. Well done Francis .

Date of experience : 16 June 2023

This is exactly the feedback we love to hear, Tewai! We're so happy to hear about your booking, and we'll be passing on your kind words to Francis 💙

Excellent support service in the chat

Excellent support service in the chat: fast, polite, constructive. Support through emails is slow though, but it is ok whenever it is possible to solve issues in the chat. A bit frustrative invoicing system, that it is not possible to change company's name where invoice is going even if invoice is not issued. In our opinion this should be more flexible.

Date of experience : 22 September 2022

Hi there Jelena, thank you for sharing your experience with us. We'll pass on your comments to the team!

TravelPerk long term using

The cooperation between our company and TravelPerk is at a very high level. TravelPerk agents respond really quickly offering the best possible solutions. Its help center is well developed and works effectively. Both website and app interfaces are excellent: intuitive, user-friendly and transparent. A big plus for the platform UX. Sometimes we are facing problems and in the result delays because of the bugs occurring on the website. That is why I rate it for four stars. Even though, I strongly recommend using this travel platform which provides a high quality of services.

Date of experience : 01 January 2022

Hey there Helena, thank you very much for the review! We're really happy to read your thoughts about the UX, and we'll be sure to pass that onto the team.

Client Support

Very easy to use the App & if you ever need any support, the TravelPerk team are world-class! I needed to adjust my flight by 12 hours and they did it all for me, all from the mobile app - no phone calls, emails or letters needed, simple & effective service. Thank you!

Date of experience : 13 March 2023

The key: Comfort! It has been a pleasure traveling with you. Everything has been very comfortable and simple. From the preparation of the trip on the web, the confirmation by those responsible, the information that arrives by mail of the entire itinerary and also the app notifies you at which gate you should board. A luxury! Thank you very much!

Date of experience : 11 July 2022

Product is more than disappointing

Honestly so disappointed with this. It makes booking travel even more difficult than simply booking it normally and then expensing it. Every time I book it doesn't work and an agent manually has to help me. Now they've decided to remove the chatbot so it makes it even more difficult to rectify product issues. Product has so many bugs, does the product team even look at the user exp? Didn't give it 1 star becuase when it does work it's okay + client service (now gone) used to be good.

Date of experience : 01 February 2024

Poor dishonest customer service and payment not received

We are a hotel & travel perk fails to supply working virtual cards and failed to pay for room they booked. Still chasing payment. Worryingly dishonest customer service, when chasing payment. Do not use this company. Avoid allowing them to book if you own a hospitality business

Date of experience : 30 January 2024

It cant get any smother than that!

The app is very intuitive. No need for human intervention. From booking the train to collecting tickets, and checking in to the hotel, everything was smooth. There was an issue with Hotel booking, as Hilton did not accept the virtual card, but this was quickly been identified as a correspondence email change on the Hiltons side. All is well in the end. Highly recommended service!

Date of experience : 08 July 2022

Why book your travel with TravelPerks? 

The answer is simple � we offer the best savings on EVERY cruise, resort, and tour, EVERY DAY. Plus, we save you time, money and hassle... not to mention the wonderful benefits of our TravelPerks Program. 

When you book with TravelPerks, you not only get the vacation of a lifetime, you receive:

Outstanding Personalized Service

Unmatched professionalism, unbeatable promos & rewards, exclusive savings & bonuses.

Our extensive travel expertise combined with our outstanding professional service and commitment to our customers has achieved us national recognition. Our office is consistently ranked in the top 1% of Dream Vacations franchises, and has earned many prestigious awards for customer service throughout the last ten years. We are very proud of our commitment to excellence and it shows!

Exclusive Savings 

No booking fees, next to nothing deposit program, unlimited cash back & bonus credits on every vacation.  , your travel advisor will quote you an exact amount when you call:  541-349-0036  , discounted shore excursions bonus savings on travel packages , promotions and rewards , extra cash back free , onboard spending credit for specialty dining, shore excursions, and more , free service upgrades - the best for less , free bonuses and travel gifts to enhance your vacation, outstanding service .

Award-Winning Service  - Our office is consistently ranked in the top 1% of franchises and earned numerous prestigious awards for customer service since 2004. View our  Awards & Accolades!

We are here for you 7 days a week to answer your questions, call today:  541-349-0036

Unmatched Professionalism 

Exclusive Perks & Promotions negotiated just for you! Personal Recommendations - insider info compiled by our team to make your vacation a dream!

In the Eugene Area? 

Drop by and see us in person:

Monday - Friday: 8:00 am - 6:00 pm Saturday: 9:00 am - 6:00 pm Appointments Available Evenings and Sundays by Request

TravelPerks Dream Vacations 1510 Jacobs Drive Eugene, OR 97402

From Our Clients...

Booking a vacation is fun.

"In today�s environment, booking vacations is hard. Why? There are a million and one websites out there that all have information on them. You can look at peer reviews until you are blue in the face. Is this ship really that bad? Is it the best thing ever? Is the resort awesome? Was it an isolated incident? Who knows. And sorting through all of them and figuring out what is real and what is somebody making a mountain out of a molehill takes time.

Which is where Theresa comes in. We love working with her for our vacations. It generally involves a quick phone call giving her a budget and the vibe we are looking for. And then go on an awesome vacation. No pecking through reviews and pricing that should be written in hieroglyphics. Just straight-up advice and no-nonsense planning.

Prior to using Theresa�s team, I would spend hours planning and routing and reading. Now? I pick the phone up or I email the awesome team and they take care of me and we get to enjoy our vacation. If you are booking a large group or an intimate vacation, I highly recommend Theresa and her team. Awesome to do business with and they make vacations FUN!"

Worry Free!

"You folks are incredible and your services outstanding! No one does it better."

Exceptional support through delayed vacation due to COVID

"Theresa was wonderful. We had been planning this Alaskan cruise since 2019 and then COVID hit and then we were still unsure about 2021 so we waited another year. Theresa took care of everything for us, checking in with us every couple of weeks and making sure that we were getting our checklist taken care of. Thank you, Theresa and TravelPerks Dream Vacations, we had a great time and cannot wait for our next cruise."

Daughter's First Disney Magic

"We had an absolute magical vacation thanks to Montika, it was our daughter's first trip to Disney and had such a great time, we already started booking for next year with TravelPerks and Montika."

Easy to Work With

"We loved how easy it was to work with Montika. She was super flexible and provided us plenty of options, even when we kept switching dates and the amount of people, etc."

Ready to go again!

"Words can not explain the marvelous time we had on our very first cruise. Theresa is the best travel agent!! There was not a time when I called with questions that my questions went unanswered . Great customer service, very caring travel agents, always there to help, great prices, and last but not least, I'm ready to go again!!!! If anybody ever needs a travel agent this company will be the only one that I would recommend."

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Best travel credit cards of May 2024

• • Credit card strategy
• • Credit card comparisons

Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

• • Rewards credit cards
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Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate,  focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

• • Credit cards
• • Personal finance

Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for how we make money.

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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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We evaluated and compared over 40 travel rewards perks

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

Travel credit card perks

How do credit card points and miles work.

• Expert advice on travel cards

How we assess the best travel credit cards

• Frequently asked questions
• Ask the experts

Credit range

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Chase Sapphire Preferred® Card

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℠.

Offer valuation

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

• 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: The Citi Premier® Card not only has a comparable sign-up bonus and the same annual fee as the Sapphire Preferred, but also covers even more everyday categories, including  supermarkets and gas stations, potentially making it a better fit as a standalone 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

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

2 Miles - 5 Miles

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

• 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

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

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

• 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 purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $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.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

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 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.

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

1.25 Miles - 5 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 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

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.
• 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.
• 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 18.24% - 28.24% 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.

Citi Premier® Card

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels Earn 3 Points per $1 spent at Restaurants and Supermarkets Earn 1 Point per $1 spent on all other purchases

• 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This mid-level travel card packs a high rewards rate on both travel and everyday spending, making it a great standalone rewards option for everyday spenders who want to pay an easily justifiable annual fee. In fact, the card includes an annual hotel credit that can offset the card’s annual fee on its own. Learn more: Read why travel podcaster Julia Menez loves the Citi Premier Card Alternatives: The Chase Sapphire Preferred® Card boasts fewer everyday bonus categories, but it may offer more valuable rewards, perks and travel protections. Chase points are worth 25 percent more when you redeem for travel through Chase Travel℠.

• Offers some of the best rates for a variety of daily expenses like dining, groceries and gas, making the card a good option for less frequent travelers.
• Citi has a robust line-up of travel partners, making it a valuable partner alongside Citi’s cash back cards.
• Doesn’t carry some key perks that competing cards offer, like travel insurance or notable travel benefits beyond the annual hotel credit.
• Budget-conscious customers might balk at the annual fee, especially if they won’t get much use from the hotel credit.
• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

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

2 Miles - 10 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

• 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

Delta SkyMiles® Platinum American Express Card

• Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

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.
• $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
• Enjoy your first checked bag free on Delta flights.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. 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.

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.

Offer valuation is not available for this credit card.

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

• 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.

Hilton Honors American Express Card

• Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

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.

• 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.

Marriott Bonvoy Brilliant® American Express® Card

• Earn 185,000 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 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.
• 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.
• 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.

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

• 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

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. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

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

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

What we love: In addition to the exceptionally valuable DiscoverMatch® , 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 17.24% - 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.

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.

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

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

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.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Southwest Rapid Rewards® Plus Credit Card

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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.

Bilt Mastercard®

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

1X Points - 3X Points

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.

• 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™.

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.

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.

• 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.
• 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.
• Low $95 annual fee.

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.

• 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®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

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 and Delta Sky lounge access 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 are some of the key factors that we considered:

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.

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 Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 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.

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JetBlue Plus Card review: A rewarding credit card for JetBlue fans

JetBlue Plus Card overview

The JetBlue Plus Card offers a terrific return on airfare spending and comes with a 5,000-point anniversary bonus that covers nearly two-thirds of the card's $99 annual fee. Benefits such as a free checked baggage allowance, 10% rebate on award redemptions and annual JetBlue Vacations statement credit make this card worthwhile, even for occasional travelers. Card Rating*: ⭐⭐⭐⭐

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

JetBlue's loyalty program, TrueBlue , tends to fly under the radar, as redemptions are largely restricted to flights operated by JetBlue and Hawaiian Airlines. However, that isn't necessarily bad if JetBlue is your airline of choice, long known for its customer-friendly experience, superior (and TPG Award-winning ) Mint business class and an extensive East Coast and Caribbean route network.

If you are a JetBlue flyer and want to boost your TrueBlue balance or elevate your flying experience with the airline, it makes sense for you to pick up the JetBlue Plus Card. Given its low spending requirement, the card offers several valuable perks that help justify its $99 annual fee.

First, note that you'll want to have a "good" credit score (670 or above) for the best chances of approval. Now, let's dig into the card specifics.

The information for the JetBlue Plus Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

JetBlue Plus Card welcome offer

The JetBlue Plus Card currently offers a welcome bonus of 50,000 points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days. Based on our valuation of 1.4 cents per point, that's a value of $700. This isn't the best offer we've seen on this card, but it's not bad either.

In reality, the welcome bonus is worth slightly more since the card offers a rebate on all award bookings, stretching your points further.

Related: Complete guide to the best airline credit cards

JetBlue Plus Card benefits

In addition to a high return on JetBlue spending, there's a ton of value in the benefits offered by the JetBlue Plus Card. Although the perks mostly revolve around JetBlue, even occasional flyers should be able to take full advantage of them:

• Free first checked bag : Get a first checked bag free for you and up to three companions on the same reservation when you purchase a ticket with your card.
• 5,000-point anniversary bonus : These points are worth about $70 according to our valuations , so without setting foot on a JetBlue plane, you're covering nearly two-thirds of the card's $99 annual fee.
• 50% inflight savings : Get 50% back on eligible inflight purchases on JetBlue-operated flights, including alcoholic drinks and Eat Up snack boxes. This discount is applied automatically, generally on the day the charge is posted to your card account.
• Fast-track Mosaic status : Get automatic Mosaic status after spending $50,000 on the card in a calendar year.
• 10% rebate on award flights : When you redeem TrueBlue points for a JetBlue flight, you'll earn 10% of those points back after you take the flight — which can be used toward your next redemption.
• Points Payback: Allows you to redeem your points for a statement credit, up to $1,000 annually.
• Annual JetBlue Vacations statement credit : Get a $100 statement credit every year with your purchase of a JetBlue Vacations package of $100 or more with your card.
• No foreign transaction fees

Aside from the JetBlue-specific perks, there are general travel and purchase protections , as well as other everyday perks by being a World Elite Mastercard . Here are a few that stand out:

• Trip delay protection : Get up to $300 per trip if your flight is delayed more than six hours (maximum of twice in a 12-month period)
• Trip cancellation and interruption coverage : Get up to $5,000 back in nonrefundable expenses per trip ($10,000 maximum per 12-month period) if you need to cancel or interrupt a trip for a covered reason.

Related: The complete guide to the JetBlue TrueBlue program

Earning points on the JetBlue Plus Card

On the earning side, this card outdoes most cobranded cards from other airlines and even some cards that earn transferable points . With this card, you'll earn 6 points per dollar on JetBlue purchases, 2 points per dollar at restaurants and grocery stores and 1 point per dollar on all other purchases. As a point of comparison, the no-annual-fee version of this card offers half as many points on JetBlue purchases.

It's also worth noting that as a TrueBlue member, you'll earn at least 2 base points per dollar on JetBlue flights booked directly on top of the 6 points per dollar you'll earn through the card.

Related: How to earn JetBlue TrueBlue points

Redeeming points on the JetBlue Plus Card

The TrueBlue loyalty program is revenue-based, so redemptions are very straightforward. You can redeem points for any seat, including JetBlue Mint seats, on any JetBlue flight across its entire route network and get a fairly consistent value from your points. The more a flight costs in cash, the more it costs in points and vice versa.

For instance, TPG credit card writer Ryan Wilcox takes advantage of JetBlue's somewhat frequent flash sales . Often, flights start at $20 one-way and can be booked for a measly 400 points. The positive is that you won't have to worry about scouring for saver award availability. However, it also means there aren't any major sweet spots for long-haul international first class .

Related: How to maximize your JetBlue TrueBlue points

Transferring points on the JetBlue Plus Card

Although JetBlue — as an airline — partners with a handful of other carriers, Hawaiian Airlines is the only one you can book through the TrueBlue loyalty program. Instead of using the revenue-based base redemption model that ties the award rates to the price of an individual itinerary, however, TrueBlue has a more standard, region-based award chart for these tickets.

To give you a general idea, one-way flights to Hawaii cost 22,000 points from the West Coast and 30,000 points from the East Coast in coach or 45,000 points and 70,000 points, respectively, in first class .

Related: How to maximize 100,000 JetBlue TrueBlue points

Which cards compete with the JetBlue Plus Card?

Here's a side-by-side look at three of the card's mid-tier travel competitors:

• If you prefer Capital One : The Capital One Venture Rewards Credit Card provides 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles per dollar on all purchases for a reasonable $95 annual fee (see rates and fees ). For more information, read our full review of the Capital One Venture Rewards Credit Card.
• If you prefer Chase : For a $95 annual fee on the Chase Sapphire Preferred Card , you'll earn 5 points per dollar on travel booked through the Chase Travel portal, 3 points per dollar on dining, and 2 points per dollar on all travel not booked through the Chase Travel portal. For more information, read our full review of the Sapphire Preferred.
• If you prefer Citi: The Citi Premier Card (see rates and fees ) has a $95 annual fee and earns 3 points per dollar on air travel, hotels, gas stations, supermarkets and restaurants (including takeout). You'll also enjoy perks like an $100 annual hotel credit and extended warranty protection. For more information, read our full review of the Citi Premier .

For additional options, check out our full list of the top travel rewards cards.

Related: Chase Sapphire Preferred vs. Citi Premier: Which mid-tier travel card is better?

Is the JetBlue Plus Card worth it?

No other mid-tier cards come close to the JetBlue Plus Card when it comes to return on JetBlue spending or benefits. However, those who aren't able to fly JetBlue regularly may not get enough value from this card to justify the annual fee.

Related: The best credit cards with annual fees under $100

Bottom line

Even if you only fly JetBlue occasionally, you'll make up for two-thirds of the JetBlue Plus Card's annual fee by taking advantage of the 5,000-point anniversary bonus alone. With the additional JetBlue perks like the free checked bag, points rebate and inflight purchase savings, JetBlue flyers will almost certainly benefit from this card.

However, if you don't think you would benefit from the higher earning rate or p, perks such as the free checked baggage allowance, you might want to stick to the no-annual-fee JetBlue Card.

Related: Why the JetBlue Plus Card remains firmly in my wallet

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AmEx Blue Business Plus Review: Outstanding Rewards, No Annual Fee

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This no-annual-fee small-business card is ideal if you're looking for high flat-rate rewards to redeem for travel. It comes with caps on bonus rewards, though, so it could be less valuable for big spenders.

on American Express' website

Quick Facts

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

Pros & Cons

No annual fee.

High rewards rate

Intro APR period

Transfer partners

Spending caps on bonus rewards

Requires good/excellent credit

This card is a near twin of the The Blue Business® Plus Credit Card from American Express except that you earn cash back instead of points. Specifically, you get 2% back on the first $50,000 in purchases each calendar year, and 1% after that. Terms apply. Cash back earned is automatically credited to your statement.

Compare to Other Cards

Full review.

The Blue Business® Plus Credit Card from American Express offers excellent flat-rate rewards for an annual fee of $0 . If you use American Express Membership Rewards to travel, this card is a great option. You'll earn 2 Membership Rewards points per dollar spent (for the first $50,000) on eligible business purchases each calendar year, and 1 point per dollar spent after that. There’s also a solid introductory 0% APR period.

The spending cap on rewards can impact this card's overall value, though — especially if $50,000 won't cover your business's annual spending. Businesses with expenses that exceed that amount might want a different business credit card instead. The American Express Blue Business Cash™ Card has a similar cap, but may also be a better fit if you prefer to cash back to points.

» MORE: Best American Express business credit cards

The Blue Business® Plus Credit Card from American Express : Key features

Card type: Small business .

Annual fee: $0 .

Welcome offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Rewards: Earn 2 Membership Rewards points per dollar spent on the first $50,000 in purchases each calendar year and 1 point per dollar spent on spending above $50,000. Terms apply.

NerdWallet values Membership Rewards points between 0.6 cent and 1 cent each, depending on redemption use. They can be redeemed for things like travel, gift cards and statement credits. Points can also be transferred to other airline and hotel loyalty programs. Potentially, if you're able to transfer rewards and take advantage of a good redemption opportunity, you could get 2.8 cents out of each point, per NerdWallet's valuation.

Aer Lingus (1:1 ratio).

AeroMexico (1:1.6 ratio).

Air Canada. (1:1 ratio).

Air France/KLM (1:1 ratio).

ANA (1:1 ratio).

Avianca (1:1 ratio).

British Airways (1:1 ratio).

Cathay Pacific (1:1 ratio)

Delta Air Lines (1:1 ratio).

Emirates (1:1 ratio).

Etihad Airways (1:1 ratio).

Hawaiian Airlines (1:1 ratio).

Iberia Plus (1:1 ratio).

JetBlue Airways (2.5:2 ratio).

Qantas (1:1 ratio).

Qatar Airways (1:1 ratio).

Singapore Airlines (1:1 ratio).

Virgin Atlantic Airways (1:1 ratio).

Choice Hotels (1:1 ratio).

Hilton Hotels & Resorts (1:2 ratio).

Marriott Hotels & Resorts (1:1 ratio).

For details on transfer ratios, see AmEx's website .

APR: Introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR .

Foreign transaction fee: 2.7%.

Other benefits:

Power to spend above your limit, to a point, with Expanded Buying Power.

Give a trusted individual access to manage your card account when you're unavailable by designating an account manager.

Employee cards at no cost (you can add up to 99 employee cards on your account).

Terms apply.

» MORE: American Express credit cards mobile app review

Why you might want The Blue Business® Plus Credit Card from American Express

Other American Express small-business cards that earn Membership Rewards points charge steep annual fees. Paying those costs can make sense if you'll use all the high-end perks those premium cards offer. But if your preference is value at a modest price, a $0 annual fee is hard to beat for a travel business credit card .

Simple, generous rewards rate

You'll earn 2 Membership Rewards points per dollar spent on up to $50,000 in purchases each calendar year, and 1 point back thereafter. Terms apply. Among small-business cards, few cards offer a rate this high for no annual fee. And it isn’t just for new cardmembers — the opportunity to earn double points resets each year. That could earn this card a spot in your wallet for the long term.

Intro APR offer

Managing a small business or side hustle can come with some hefty bills, so you may need extra time to pay down a credit card balance. With The Blue Business® Plus Credit Card from American Express , you'll get an intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR . Terms apply. It’s rare to find such a lengthy 0% APR offer on a small-business card .

Credit limit wiggle room

The Blue Business® Plus Credit Card from American Express gives you the power to spend above your credit limit with Expanded Buying Power. The extra amount you can charge isn't the same for all cardholders. It varies based on factors including your card use, payment and credit history and the financial information you provided when you applied for the card. This additional credit limit can go up or down for you based on these factors over time.

Why you might want a different card

Lower rewards rate after spending $50,000 each year.

With The Blue Business® Plus Credit Card from American Express , your double-points-earning potential ends once you hit $50,000 in spending in a calendar year. That's a decent return, but if you spend a good deal more than that per year, you can do better.

The Capital One Spark Miles for Business earns 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles per dollar on all other purchases with no annual cap on earnings, plus it comes with a superb sign-up bonus. It does charge an annual fee ( $0 intro for the first year, then $95 ), but high spenders can offset it with their rewards earnings.

Redeeming for cash back isn't as lucrative

Membership Rewards points vary depending on what you redeem them for. Booking travel or buying gift cards toward some travel expenses will get you a value of one cent per point, but statement credits are worth only 0.6 cents per point.

If cash back is your preferred way to redeem rewards, consider The American Express Blue Business Cash™ Card . It functions almost identically to The Blue Business® Plus Credit Card from American Express , but the main difference is you earn cash back that’s automatically credited to your statement instead of Membership Rewards points. The annual fee is $0 ( see rates and fees ). The cash back version also has an intro APR period: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR .

Foreign transaction fees and limited acceptance abroad

Using points earned on this card to book travel is a valuable option. But the card isn't ideal to use on international trips.

American Express cards aren't accepted as widely as other cards overseas, and a 2.7% foreign transaction fee makes any purchase abroad more expensive. If you travel internationally for business, look into business travel cards with no foreign transaction fee, such as the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card , which has a $0 annual fee, no spending caps and a bonus for new cardmembers.

Is The Blue Business® Plus Credit Card from American Express right for you?

If you want a $0 -annual-fee small-business card with outstanding flat-rate rewards, a good 0% intro APR offer and some room to spend more when needed, The Blue Business® Plus Credit Card from American Express is a great choice. World travelers, big spenders and fans of cash back may want to explore other options.

To view rates and fees of The Blue Business® Plus Credit Card from American Express , see this page . To view rates and fees of The American Express Blue Business Cash™ Card , see this page .

Find the best credit card

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

This card earns 2 American Express Membership Rewards points per dollar on the first $50,000 in spending per calendar year, then 1 point per dollar afterward. Terms apply.

The defining difference is in the rewards they earn: The Blue Business® Plus Credit Card from American Express earns Membership Rewards points, while The American Express Blue Business Cash™ Card earns cash back. Otherwise, the cards earn rewards at comparable rates and have comparable APRs. Both have a $0 annual fee.

Although American Express's business cards were once primarily charge cards — meaning they required you to pay your balance in full each month and didn't have a preset spending limit — The Blue Business® Plus Credit Card from American Express is a traditional credit card that has a credit limit and allows you to carry a balance.

However, it does offer you the flexibility to spend beyond your set credit limit. The amount you can spend above the limit adjusts based on your card use, payment and credit history, financial information and other factors. Any amount spent above your limit must be paid in full at the end of the billing cycle; it's included in your minimum payment. Purchases up to your credit limit can be paid off over time. Terms apply.

To qualify for The Blue Business® Plus Credit Card from American Express , you'll need good to excellent credit. That's generally defined as a score of 690 or better. Credit scores alone don't guanrantee approval, though. Issuers also look at your income, debts and other factors.

In general, you don’t have to operate a formal, registered business, like a corporation, partnership or LLC, to qualify for business credit cards, but you do need to be in business for yourself. Sole proprietors, contractors, freelancers and gig workers can also qualify.

This card earns 2 American Express

Membership Rewards points

per dollar on the first $50,000 in spending per calendar year, then 1 point per dollar afterward. Terms apply.

The defining difference is in the rewards they earn:

The Blue Business® Plus Credit Card from American Express

earns Membership Rewards points, while

The American Express Blue Business Cash™ Card

earns cash back. Otherwise, the cards earn rewards at comparable rates and have comparable APRs. Both have a

annual fee.

Although American Express's business cards were once primarily charge cards — meaning they required you to pay your balance in full each month and didn't have a preset spending limit —

is a traditional credit card that has a credit limit and allows you to carry a balance.

To qualify for

, you'll need good to excellent credit. That's generally defined as a score of 690 or better. Credit scores alone don't guanrantee approval, though. Issuers also look at your income, debts and other factors.

13 Best Credit Cards for Everyday Use of April 2024

Best credit cards for everyday spending of 2024, best 2% cash rewards card: wells fargo active cash® card, wells fargo active cash® card.

After spending $500 in purchases in the first 3 months

Why we chose it: The Wells Fargo Active Cash offers an unlimited 2% cash rewards back on purchases with no hoops to jump through, plus a few nice-to-have perks like cellphone insurance with a $25 deductible. Read our Wells Fargo Active Cash review .

• Offers one of the highest flat rates available for purchases
• Cell phone protection benefit (subject to a $25 deductible)
• Benefits include an intro APR offer on purchases and balance transfers
• No extended warranty or purchase protection benefit
• Reward redemption minimums

Alliant Cashback Visa® Signature Credit Card

Why we chose it: The Alliant Cashback Visa® Signature Credit Card doesn’t come with a lot of perks, but it offers the chance to earn one of the highest flat rates around. Read our Alliant Cashback Visa Signature Credit Card review .   

• Earns 2.5% cash bank on the first $10,000 spent each billing cycle
• No foreign transaction fee
• No annual fee
• Must meet various requirements to qualify for 2.5% cash back
• Limited cash back redemption options
• No welcome bonus

Best for Everyday Purchases: Blue Cash Preferred® Card from American Express

Why we chose it: The Blue Cash Preferred Card earns rewards in several everyday categories, including 6% cash back on U.S. supermarket purchases on up to $6,000 spent per year (then 1%) and 3% cash back at U.S. gas stations. The card also offers the trifecta of consumer benefits—return protection*, purchase protection* and extended warranty*—making it a great choice for your occasional high-ticket purchases as well. Read our Blue Cash Preferred Card from American Express review .

• Offers one of the highest cash back rates available for U.S. supermarket purchases
• $0 intro annual fee for the first year, then $95
• Extended warranty*, purchase protection* and return protection*
• $95 annual fee after the first year ($0 intro fee)
• U.S. supermarket rewards capped at $6,000 annually
• Only 1% cash back on other purchases

Best ThankYou Points Card: Citi Double Cash® Card

Citi double cash® card.

$200 cash back when you spend $1,500 on purchases within the first six months of opening your Citi Double Cash® card account

Why we chose it: The Citi Double Cash earns 1% cash back when you spend and 1% back when you pay. Your cash back is technically earned as Citi ThankYou points and can be combined across accounts. If you hold the Citi Premier® Card , you can transfer your ThankYou points to airline and hotel transfer partners. Read our Citi Double Cash review .

• Up to 2% cash back on every purchase (1% when you buy and 1% when you pay)
• Long intro APR offer on balance transfers
• Flexible redemption options
• Intro APR applies to balance transfers only
• No substantive benefits beyond rewards

Best for Flat-Rate Rewards and Flexible Travel Redemptions: Capital One Venture Rewards Credit Card

Capital one venture rewards credit card.

After spending $4,000 in first 3 months from account opening

Why we chose it: For busy travelers who value simple, straightforward rewards, the Capital One Venture Rewards Credit Card is a solid flat-rate travel rewards credit card . Miles can be redeemed in several ways, including transferring to select airline and hotel partners for travel purchases. The card also comes with some travel and purchase protection benefits. Read our Capital One Venture Rewards Credit Card review .

• Above-average flat rate on all purchases 
• Bonus miles for hotels and rental cars booked through Capital One Travel 
• No foreign transaction fees
• $95 annual fee
• No introductory APR offer

Best for Relationship Banking: Bank of America® Unlimited Cash Rewards credit card

Bank of america® unlimited cash rewards credit card.

After making at least $1,000 in purchases in the first 90 days of your account opening

Why we chose it: The Bank of America Unlimited Cash Rewards card offers a modest 1.5% cash back on every purchase with no annual fee. And when you hold assets with Bank of America or Merrill, you can qualify for up to a 75% bonus on your credit card rewards through the Preferred Rewards program.

• 1.5% cash back on all purchases
• $200 online cash bonus after spending $1,000 in first 90 days
• Boosted rewards rates require at least $20,000 in assets
• No bonus categories
• Minimal additional benefits

Best Ultimate Rewards Card: Chase Freedom Unlimited®

Chase freedom unlimited®.

On Bankrate Credit Cards's secure site

Earn an extra 1.5% on everything you buy with your card (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.

Why we chose it: With the Chase Freedom Unlimited, you’ll earn a minimum of 1.5% cash back on your everyday spending, technically rewarded as Ultimate Rewards points. These points can be transferred to your Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and redeemed for increased value toward travel. Learn more with our Chase Freedom Unlimited review .

• Extended warranty and purchase protection
• Earn 3% cash back on dining at restaurants (including takeout and eligible delivery service) and on drugstore purchases
• Available for those with good to excellent credit
• Can’t directly transfer rewards to Chase airline and hotel partners

Best for Small-Business Owners: Capital One Spark Cash Plus

Capital one spark cash plus.

Why we chose it: Most other small-business cards offering 2% cash rewards cap the amount of cash back you can earn. But the Capital One Spark Cash Plus card is a charge card with no preset spending limited that earns unlimited 2% cash back on all of your everyday business spending. Read our Capital One Spark Cash Plus review .

• Unlimited 2% cash back rewards
• No preset credit limit
• Annual fee refunded when you spend at least $150,000
• $150 annual fee
• Limited additional benefits
• No financing options

Best for Food and Entertainment: Capital One SavorOne Cash Rewards Credit Card

Capital one savorone cash rewards credit card.

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Why we chose it: The Capital One SavorOne Cash Rewards Credit Card earns an unlimited 3% cash back in four popular everyday spending categories: dining, entertainment, select streaming services and at grocery stores, excluding superstores like Target and Walmart. And travelers will appreciate the opportunity to earn 5% cash back on hotel and rental cars booked through Capital One Travel—all for no annual fee. Read our Capital One SavorOne Cash Rewards Credit Card review .

• Generous rewards in popular everyday and entertainment categories
• 5% cash back on hotels and rental cars booked through Capital One Travel 
• Only 1% cash back on purchases outside the bonus categories 
• Bonus grocery category excludes Walmart and Target purchases 
• Minimal card benefits

Best for Bonus Rewards Categories: Wells Fargo Autograph℠ Card

Wells fargo autograph℠ card.

After spending $1,000 in purchases in the first 3 months

Why we chose it: The Wells Fargo Autograph℠ Card has no annual fee and earns an unlimited 3X points in six popular spending categories: dining, travel, gas, transit, select streaming services, and phone plans. Other purchases outside of these categories earn an unlimited 1X points. As a bonus, this card includes valuable perks like cell phone protection insurance. Read our Wells Fargo Autograph℠ Card review .

• Bonus rewards for travel and everyday spending 
• Intro APR offer on purchases 
• No intro APR offer for balance transfers 
• Limited travel perks compared to top travel cards

Best Membership Rewards Card for Business Owners: The Blue Business® Plus Credit Card from American Express

Why we chose it: If you’re a small-business owner collecting Membership Rewards points, the card you want to use for your everyday spending is the Amex Blue Business Plus. Most Membership Rewards-earning credit cards only earn 1 point per dollar on everyday purchases, but the Blue Business Plus earns 2X points on up to $50,000 in purchases per year (then 1X points). Read our Blue Business Plus Credit Card from American Express review .

• 2X Membership Rewards points on purchases (up to $50,000 in purchases per calendar year, then 1X points)
• $0 annual fee
• Intro APR on purchases
• 2X rewards capped at $50,000 per year (then 1X points)
• Limited additional travel benefits
• Amex Membership Rewards can be complicated to use

Best for Utilities and Cell Phone Spending: U.S. Bank Cash+® Visa Signature® Card

U.s. bank cash+® visa signature® card.

After you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening

Why we chose it: The U.S. Bank Cash+® Visa Signature® Card has no annual fee and offers personalized rewards. Cardholders can earn 5% cash back on purchases (on up to $2,000 in combined eligible purchases each quarter, then 1%) across two categories of their choosing. There are plenty of options to choose from, including home utilities, cell phone and fast food. This everyday spending card also offers 2% cash back in one everyday spending category of your choice, like grocery stores or restaurants, and 1% on all other purchases. Read our U.S. Bank Cash+® Visa Signature® Card review .

• Customizable rewards with unique categories like utilities and cell phone spending 
• 2% on everyday spending in one top category choice 
• 5% cash back earnings are capped at $2,000 in combined spending per quarter
• $25 minimum redemption for cash back rewards

Best for Amazon and Whole Foods: Amazon Prime Visa Card

Instantly upon approval exclusively for Prime members

Why we chose it: The Amazon Prime Visa Card is ideal for Prime members who frequently buy groceries and essentials at Amazon and Whole Foods. Prime members earn an unlimited 5% cash back on Amazon.com, Amazon Fresh, and Whole Foods Market spending, and travel purchases booked through the Chase Travel portal. Cardholders also earn an unlimited 2% cash back on the following everyday spending categories: restaurants, gas stations, and local transit and commuting purchases, while earning an unlimited 1% on other purchases. Rewards can be redeemed as soon as the next day. Read our Amazon Prime Visa Card review .

• High rewards on Amazon, Amazon Fresh, and Whole Foods purchases 
• No annual fee 
• Non-Prime members earn 3% rewards on Amazon, Amazon Fresh, and Whole Foods purchases
• Meager welcome bonus

A Closer Look at the Best Credit Cards for Everyday Use

Best 2% cash back card: wells fargo active cash card.

Why we love this card: The Wells Fargo Active Cash offers 2% cash rewards back on purchases, plus cell phone protection (subject to a $25 deductible) and secondary auto rental collision damage waiver insurance for no annual fee. This is more generous than other 2% cards available. You can also enjoy a 0% intro APR on purchases and balance transfers for 15 months (after that, it’s a variable APR of 20.24%, 25.24% or 29.99%).

Who should have this in their wallet: The busy spender who values simplicity will appreciate the Wells Fargo Active Cash. The card’s no-nonsense 2% cash rewards make it great to use everywhere you can’t earn more rewards in a specific spending category. If your preference is to carry a single card, the Wells Fargo Active Cash should be on your credit card shortlist.

Other cards to consider: If you want 2% cash back with no hoops, the Citi Double Cash is an alternative, but it doesn’t offer cell phone protection or an auto rental collision damage waiver. For even more flat-rate rewards, consider the Alliant Cashback Visa® Signature Credit Card , which offers the chance to earn up to 2.5% cash back on all purchases (up to $10,000 in qualifying purchases each billing cycle, then 1.5% back).

Best for 2.5% Flat-Rate Rewards: Alliant Cashback Visa Signature Credit Card

Why we love this card: Cardholders can earn an impressive 2.5% cash back on purchases. And the $10,000 spending cap per billing cycle is generous enough that many people will likely have no problem staying under the limit. Anyone who does go over the limit can still earn an above-average 1.5% cash back on purchases for the remainder of the billing cycle.

Who should have this in their wallet: People who prefer a generous flat-rate cash back credit card over bonus rewards cards can benefit from the Alliant Cashback card. But you’ll need to meet a few requirements like opting in for eStatements, making at least one electronic deposit into your account each month and keeping at least a $1,000 average daily balance.

Other cards to consider: If you want fewer hoops to jump through for a higher rewards rate, look into the Citi Double Cash Card which lets you earn 1% cash back for each transaction, and another 1% when you pay for those purchases. The Chase Freedom Unlimited card earns a steady unlimited 1.5% cash back on your purchases along with bonus rewards for dining, drugstore purchases and travel purchased through Chase Travel.

Best for Everyday Purchases: Blue Cash Preferred Card from American Express

Why we love this card: If gas at U.S. gas stations, transit and purchases at U.S. supermarket are your biggest everyday expenses, the Blue Cash Preferred from American Express delivers. It also comes with excellent consumer benefits.

Who should have this in their wallet: The family grocery shopper who spends around $6,000 at U.S. supermarkets each year should have the Blue Cash Preferred in their wallet. Put your first $6,000 at U.S. supermarkets on the card, plus all of your gas at U.S. gas stations and transit spending and you’ll earn the most rewards. If your annual bill at U.S. supermarkets is much more than $6,000, you might want to pick up another card for your additional spending, since purchases at U.S. supermarkets beyond $6,000 a year will earn only 1% cash back.

Other cards to consider: For rewards at U.S. gas stations and at U.S. supermarkets with no annual fee, look toward the Blue Cash Everyday® Card from American Express ( see rates and fees ). If your everyday spending includes more entertainment purchases and dining, look at the Capital One SavorOne Cash Rewards Credit Card .

Best ThankYou Points Card: Citi Double Cash Card

Why we love this card: With the Citi Double Cash, you can combine ThankYou points across all of your ThankYou points-earning cards. If you hold the Citi Premier Card, you can transfer the points you earn to airline and hotel transfer partners and redeem them for luxury travel, often getting more than 1 cent per point in value. Add the Citi Rewards+® Card to the mix, and you’ll get a 10% rebate on the points you redeem (up to 100,000 points) each year.

Who should have this in their wallet: If you’re invested in the Citi ThankYou points ecosystem, the Citi Double Cash is the everyday spending card you want. Alone, the card is bested by other 2% cards, but when paired with other Citi ThankYou points cards, the Double Cash gets much more valuable.

Other cards to consider: If you’re just looking for 2% cash rewards back on purchases, the Wells Fargo Active Cash is a better choice. The Active Cash has a few additional benefits too, like cell phone protection (subject to a $25 deductible) and a secondary auto rental collision damage waiver that give it an edge.

Why we love this card: The Capital One Venture Rewards Credit Card earns a flat rate of 2X unlimited miles on all purchases and 5X miles on rental cars and hotels booked through Capital One Travel. It offers perks and flexible redemptions for an affordable $95 annual fee. 

Who should have this in their wallet: Travelers who want to earn straightforward rewards can benefit from using this everyday spending card. Cardholders can also benefit from the flexible redemption options, including the ability to redeem their rewards as reimbursement for past travel purchases made with their card through statement credits and book travel directly through the Capital One Travel portal.

Other cards to consider: The Chase Sapphire Preferred Card is one of the most well-rounded travel credit cards. Cardholders earn bonus rewards in travel and select everyday categories and have plenty of flexible redemption options to choose from. This includes transferring rewards to select airline and hotel partners.

Best for Relationship Banking: Bank of America Unlimited Cash Rewards credit card

Why we love this card: Getting heightened cash back everywhere as a member of the Preferred Rewards program makes the Bank of America Unlimited Cash Rewards card the best everyday spending card for people who can bring at least $20,000 in assets to eligible Bank of America or Merrill accounts. The upshot is that, if you have transferable assets, you can bring them to Merrill without changing your investment strategy.

Who should have this in their wallet: The savvy investor who is willing to bring assets to Merrill should get the Bank of America Unlimited Cash Rewards card. That way, you’ll get a 25% to 75% bonus on your credit card rewards.

Other cards to consider: If you’re going to bring assets to Bank of America to qualify for a tier of its Preferred Rewards program, consider the other Bank of America credit cards . The Bank of America® Premium Rewards® credit card has an annual fee of $95 but earns 2X points on travel and dining in addition to 1.5X points everywhere else. Plus, the Bank of America® Customized Cash Rewards Credit Card can augment your wallet with 3% cash back in a category of your choice ($2,500 quarterly spending cap on 3% and 2% category purchases, then 1% back).

Best Ultimate Rewards Card: Chase Freedom Unlimited

Why we love this card: The Chase Freedom Unlimited not only offers unlimited 1.5% cash back on everyday spending outside of bonus categories, but also 3% back on dining at restaurants and on drugstore purchases, 5% back on travel purchased through Chase Travel and 5% back on qualifying Lyft rides through March 31, 2025. Perhaps the best feature of this card is that you can transfer your rewards to a premium card like the Chase Sapphire Preferred or Chase Sapphire Reserve and get increased value when you redeem them for travel through Chase Ultimate Rewards.

Who should have this in their wallet: The frequent traveler who already carries the Chase Sapphire Preferred or Chase Sapphire Reserve should strongly consider making the Chase Freedom Unlimited their everyday spending card. Picking up this card will increase the rewards you earn on your everyday purchases by 50%, allowing you to more quickly accumulate the points you need for your dream trip.

Other cards to consider: Other cards to consider: Chase also offers the Chase Freedom Flex℠ , which is a better fit for cardholders who prefer a combination of fixed and rotating bonus categories.

Why we love this card: Small-business owners have very few options if they want to earn 2% cash back on everyday spending using a business card. But that’s exactly what the Capital One Spark Cash Plus offers. The card comes with a high $150 annual fee, but we appreciate that spending $150,000 on the card gets the annual fee refunded.

Who should have this in their wallet: For small-business owners who use a credit card to pay for a sizable amount of everyday business expenses, the Capital One Spark Cash Plus is the right tool. The card is a particularly good choice for small-business owners who spend over $150,000 each year on their card.

Other cards to consider: If you spend less than $50,000 each year on purchases for your small business, American Express has two cards with no annual fee that you should consider: The American Express Blue Business Cash Card ( see rates and fees ) offers 2% cash back on up to $50,000 in purchases per calendar year (then 1% back), and The Blue Business® Plus Credit Card from American Express earns 2X points on eligible business purchases on up to $50,000 in purchases per calendar year (then 1X points).

Why we love this card: The Capital One SavorOne Cash Rewards Credit Card earns an unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. It also offers 5% cash back on hotels and rental cars booked through Capital One Travel—all for no annual fee. 

Who should have this in their wallet: If you want a no-annual-fee credit card, value cash back rewards, and are a big entertainment, dining, and grocery store spender, this card may meet your needs. Eligible purchases beyond the bonus rewards categories highlighted above (and some others, like 8% cash back on Capital One Entertainment purchases) only earn 1% cash back. But this card could pair nicely with a rewards credit card offering a flat-rate 2% reward on all purchases. 

Other cards to consider: If you’re a big grocery spender and don’t mind paying a $95 annual fee ($0 introductory fee for the first year), the Blue Cash Preferred® Card from American Express offers 6% cash back on up to $6,000 per year at U.S. supermarkets, then 1%. It also offers generous rewards in several other spending categories.

Why we love this card: The Wells Fargo Autograph℠ Card gives everyday spenders flexibility by offering unlimited 3X points in six top spending categories. The average consumer likely spends in several of these purchase categories. This no-annual-fee card has a sizable welcome bonus and provides extra perks like cell phone protection (subject to a $25 deductible). 

Who should have this in their wallet: The spender who wants a no-annual-fee credit card that offers rewards for restaurant, travel, gas, transit, streaming service, and phone service spending. This card is a solid choice for anyone who regularly spends in these common purchase categories. 

Other cards to consider: If you don’t spend much money in the six top spending categories highlighted above and prefer to earn flat-rate cash back rewards, the Wells Fargo Active Cash may be a better fit. You’ll earn an unlimited 2% cash back on all spending, regardless of purchase categories. This credit card also has no annual fee and includes cell phone protection insurance (subject to a $25 deductible).

Best Membership Rewards Card for Business Owners: The Blue Business Plus Credit Card from American Express

Why we love this card: The Blue Business Plus Credit Card from American Express serves an important purpose in your wallet—earning you 2X Membership Rewards points on everyday spending (up to $50,000 in purchases per calendar year, then 1X points). But the card is also one of the few cards that earns transferable points with no annual fee. Membership Rewards points accumulate in a single pool across all of your cards, so if you decide to cancel one of your other Membership Rewards-earning cards with an annual fee, you can keep your points alive with the Blue Business Plus.

Who should have this in their wallet: The Amex-carrying business traveler will want to add the Amex Blue Business Plus card to their wallet to increase the rewards they earn on everyday spending. If you’re in the Membership Rewards ecosystem, you’re likely a frequent traveler who’s looking for airport lounge access or charging a lot of travel expenses. Having the Blue Blue Plus card in your wallet can double the rewards you earn compared to other Amex cards.

Other cards to consider: If your everyday spending happens mostly at the grocery store, Amex has another card you should consider. The Amex EveryDay® Preferred Credit Card earns 3X points at U.S. supermarkets on up to $6,000 in spending per year (then 1X points) for a $95 annual fee.

All information about the Amex EveryDay® Preferred Credit Card has been collected independently by Newsweek.com. The Amex EveryDay® Preferred Credit Card is no longer available through Newsweek.com.

Why we love this card: The U.S. Bank Cash+® Visa Signature® Card gives cardholders flexibility by providing heightened rewards in multiple spending categories, including fast food, home utilities, cell phones and electronic stores. You can earn 5% cash back in two eligible spending categories of your choosing, 2% cash back in one chosen spending category and 1% cash back on other purchases made with your card.  

Who should have this in their wallet: This everyday spend credit card has no annual fee and is worth a closer look if you spend a significant amount of money in some of the available spending categories typically not found with other cash back credit cards —like home utilities and cell phones. Plus, there are no spending caps, so it offers unlimited rewards. Keep in mind that this credit card lacks additional benefits beyond rewards. 

Other cards to consider: If you don’t want to bother with purchase categories and prefer a flat-rate rewards structure , the Wells Fargo Active Cash credit card also has no annual fee and earns 2% cash back rewards on all spending. It also has additional card perks like cell phone protection insurance, subject to a $25 deductible.

Why we love this card: Earning 5% cash back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases is a win for Amazon Prime members. With the Amazon Prime Visa, you can earn unlimited rewards. It has the added benefit of earning 5% cash back on Chase Travel bookings and 2% cash back at gas stations, restaurants, and local transit.

Who should have this in their wallet: Prime members who frequently shop at Amazon.com, Amazon Fresh, and Whole Foods Market will get the most value from this everyday credit card. While the Amazon Prime Visa has a low-value welcome offer, that’s not unexpected for a credit card with no annual fee. 

Other cards to consider: If you don’t like the prices at Whole Foods or don’t want to pay for a Prime membership, there are other options. Budget shoppers will enjoy the Capital One Walmart Rewards® Mastercard® which offers high bonus rewards for purchases made at Walmart.com. That can cover a range of categories, including groceries that you can pick up or have delivered. You may also want to consider the versatile Citi Custom Cash® Card which offers high rewards in an eligible spending category each billing cycle. Spending categories include grocery stores, travel, transit and restaurants.

Are Everyday Credit Cards Worth It?

Building your wallet around a few credit cards that offer increased rewards where you spend the most is a great idea, but don’t overlook having an everyday credit card for your other purchases. Having an everyday credit card can increase the rewards you earn outside of bonus categories. If you do a lot of spending in places where your other cards only offer 1 point per dollar or you want the simplicity of carrying only one card, you should add an everyday credit card to your wallet.

Maximizing Credit Cards for Everyday Spending

Want to get more value and earn more rewards every time you swipe your credit card? 

The following tips can help you maximize the rewards you earn when making everyday purchases with your cards.

Choose the Best Card for Your Typical Spending 

As you research the best credit card for everyday use options, consider which card will provide the most rewards based on your typical spending patterns. You’ll want to choose a credit card that aligns with your usual everyday spending habits. 

For example, if your top spending categories are gas, restaurants, and dining, it wouldn’t make sense to get a rewards credit card that offers rewards for travel and entertainment purchases. An ideal rewards card will make it easy to earn rewards without changing your spending habits. 

Prioritize the Rewards You Want to Earn 

Before selecting an everyday spending credit card, consider what rewards you want to earn with your card. Some card users prefer to keep things simple, so they look for a card that offers cash back or a statement credit.

But if you value flexibility when redeeming your rewards, choosing a rewards card with flexible redemption options may be the best move. Some cards allow you to redeem your rewards for cash back, gift cards, or travel. Having more flexibility means you have options. 

Paying Off Your Balance 

When using credit cards, the best strategy is to pay the entire statement balance off every month. Otherwise, you’ll pay credit card interest fees, which can be costly and add up fast. 

When using everyday credit cards, make it a priority to only charge what you can afford so you don’t rack up costly credit card debt . Carrying a balance on your card will cost you money and can cancel out the rewards you earn. Avoid paying credit card interest to maximize the value you get from the best everyday credit cards.

How Do I Choose the Best Everyday Credit Card for Me?

If you prefer simplicity and are looking for a single card to use everywhere, here’s how to choose the best credit card that will match your everyday spending.

Your Everyday Spending Habits 

When comparing everyday spending credit cards, focus on ones with rewards that align with your typical spending habits. If you’re unsure of your top spending categories, review your recent bank and credit card statements to see your most frequent purchases. Choosing an everyday spending credit card that fits your spending patterns can help you maximize your rewards.

Type of Everyday Rewards 

Not every everyday rewards credit card is the same. Some cards offer flat-rate rewards, meaning you’ll earn a set rewards rate for every purchase you make with your credit card. 

Other credit cards offer higher-tier rewards for purchases made in select bonus categories and a flat-rate reward for purchases outside those categories. For example, a card may offer 3% cash back on travel, dining, and grocery purchases and 1% cash back on other purchases. 

For credit cards with bonus categories, if your typical spending habits match those categories, it could be an excellent way to boost your rewards. Otherwise, flat-rate rewards can offer more simplicity if your day-to-day spending varies or you spend in several categories every month. 

Additional Card Features and Benefits 

Many everyday spending credit cards include helpful features and benefits that appeal to cardholders. You’ll want to choose a card with features that will add value to your life. For example, some everyday spending cards for travelers may include travel protections. 

Some other best everyday credit cards may provide extended warranty or purchase protection perks. Review the benefits offered and consider whether you will use them to select a suitable card. If the benefits offered aren’t of value to you, look elsewhere to find the best credit card for everyday spending that fits your needs.

Annual Fees 

Annual fees are another consideration when choosing an everyday spending credit card. Some credit cards charge annual fees, but there are also no-annual-fee credit cards if you want to avoid extra fees. You should only get a credit card with an annual fee if it’s within budget. 

It would also be best to consider whether the card’s benefits and rewards opportunities match the yearly fee being charged. If there’s an annual fee, but you won’t use the perks or features provided, you should explore another best credit card for everyday spending. 

Interest Rates 

Of course, you should do what you can to avoid carrying a balance on your credit card to avoid paying additional interest fees. But even if you usually pay off your statement balance, it’s wise to compare the annual percentage rate ( APR ) of the everyday credit card you’re considering.

Why? You’ll want to know how much interest you’ll pay if you carry a balance on your credit card account. While credit card interest rates are typically high, choosing an everyday spending credit card with a lower interest rate can save you money in 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.

Frequently Asked Questions

What is an everyday credit card.

An everyday credit card is a credit card that earns better-than-average rewards across popular top spending categories. You should look for an everyday credit card that provides rewards for purchases you make on an ordinary day. If your day-to-day spending is exclusively in certain categories like gas or groceries, you might look for an everyday card that offers higher rewards for these purchase categories.

Should I Pay Off My Credit Card After Every Purchase?

There’s no need to pay off your credit card after every purchase, but you should pay your credit card in full by your statement due date each month. As long as you’re not carrying a balance month to month, you won’t pay interest on charges.

Is It Worth Keeping a Credit Card You Don’t Use?

Keeping a credit card you don’t use can help your credit score. Your credit score takes into account the length of your credit history, the amount of available credit and the proportion of credit you’re using. As long as you’re not paying an annual fee, there is little downside to keeping a credit card that you don’t use.

Is It Okay to Use Your Credit Card Every Day?

There are several benefits to using your credit card for your typical, everyday spending. It can help you build credit, and you can earn rewards if you use an everyday spending credit card that provides rewards opportunities. But make sure you only spend what you can afford to pay off and always make on-time payments to your credit card accounts. Doing this can allow you to avoid expensive debt, credit card interest fees and late payment fees. 

Newsweek writer Natasha Etzel contributed to this post.

The post 13 Best Credit Cards for Everyday Use of April 2024 first appeared on Newsweek Vault .

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Is the Capital One Spark Miles for Business credit card worth it?

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Capital One Spark Miles Business Card: Simple Travel Rewards

• With the Capital One Spark Miles for Business , you can earn 2x miles for all your business purchases and 5x miles when you book travel through Capital One Travel.
• What we think : The Spark Miles for Business card is a good, low-annual-fee travel credit card for small businesses. We like its simple reward structure and flexible redemption options, but frequent travelers or big spenders may find more value elsewhere.
• After the first year, this card comes with a $95 annual fee.
• Flexible redemption methods let you redeem miles for travel, gift cards, cash back or online shopping.
• You need good or excellent credit to get approved for this card.

Capital One offers two Spark Miles business credit cards : The Capital One Spark 2x miles credit card and the Spark 1.5x Miles Select credit card. This review focuses on the 2x miles credit card, Capital One Spark Miles for Business. 

Within this review, we will explore:  

• How you can earn and use rewards with this card
• How to apply for this card
• How this card stacks up to other similar business cards on the market
• High rewards rate
• Free employee cards
• Two complimentary visits each year to Capital One Lounges or Plaza Premium Lounges
• Has an annual fee after the first year
• No intro APR

• Earn 5X miles on all hotel and car rental purchases through Capital One Travel.
• Earn 2X miles on all other purchases.
• $95 annual fee after the first year.

The Capital One Spark Miles for Business is a good choice for small businesses, as it provides flexible and convenient account management. This card also offers a variety of benefits and makes it easy to earn travel rewards. 

Pros and cons of the Capital One Spark Miles for Business

• 2x miles on everyday business purchases
• 5x miles on hotel stays and car rentals booked through Capital One Travel
• Flexible redemption models and options to transfer miles to other programs
• Employee credit cards with no additional fees
• Strong business account management tools
• Annual fee of $95 after the first year
• Doesn’t offer as many rewards options as some other business rewards cards
• No introductory APR offer for purchases or balance transfers
• You typically need good or excellent credit to get approved for this card

Learn more about Capital One Spark Miles for Business

The Capital One Spark 2x Miles card for business provides several opportunities for earning miles.

Welcome bonus

This rewards credit card offers a welcome bonus for new Capital One cardholders. You can earn 50,000 bonus miles when you spend $4,500 in the first three months on purchases. That’s just $1,500 per month, so many businesses can easily achieve the spending target by using their Capital One Spark Miles card to cover everyday expenses like supplies, fuel, or even cell phone or internet service.

Earn Capital One Spark Miles for Business rewards

You also earn Spark Miles rewards at a flat rate on purchases in specific categories. That means for every dollar you spend, you earn a specific amount of miles. 

You earn 2x miles on every purchase and 5x miles when you use this card to book hotel stays or car rentals through Capital One Travel. 

To understand how these rewards add up, consider some hypothetical examples:

• You spend $500 on gas for business vehicles every month. That’s 1,000 miles a month, or 12,000 miles for the year.
• You book several business trips throughout the year and use Capital One Travel to do so. You spend a total of $4,000 on hotel stays and car rentals. That’s 20,000 miles.
• You use your Capital One Spark Miles card to pay your business utility and internet bills each month for an average total of $400. That’s 800 miles a month, or 9,600 miles per year.

You can maximize rewards earnings by getting employee credit cards for your account. When you use those cards to help manage employee expenses, you get double perks—you avoid the hassle of reimbursement processes while earning the same 2x miles rewards on employee spending.

Redeem Capital One Spark Miles for Business rewards

You can redeem your Spark Miles on travel, including hotels, flights and vacation packages. You don’t have to redeem for business travel, so you can use your rewards to fund personal getaways. 

Typically, you get the biggest value for Capital One Spark Miles when you redeem them for travel. Redeeming your miles through Capital One Travel typically nets you a value of around 1 cent per mile. So, if you have 100,000 miles, you can get $1,000 worth of travel.

You can get more value per mile when you redeem through various travel partners, especially if you can stack your Capital One miles on top of a loyalty rewards program you already belong to. 

You can transfer your Capital One miles to the following partners:

• Accor Live Limitless
• Air France KLM
• Avianca LifeMiles
• British Airways
• Choice Hotels
• Emirates Skywards
• Etihad Airways
• Singapore Airlines
• TAP Air Portugal
• Turkish Airlines

You can also redeem your miles for non-travel rewards, including:

• Cash-back statement credit : which is a value of half a cent per mile
• Gift cards : which provide a value of 0.5 to 1 cent per mile
• Shop with PayPal : which gives you around 0.8 cents per mile in value
• Shop with Amazon : which provides a value of 1 cent per mile

If you aren’t sure how you want to use your miles, you have plenty of time to decide. They don’t expire as long as your account is open and in good standing. 

This travel rewards credit card for businesses offers plenty of perks beyond earning and redeeming miles. 

Small-business benefits

The Capital One Spark Miles business credit card is designed for business use and includes perks that make it easy to manage expense processes and your account. 

Some of those benefits include:

• Free employee cards . You won’t pay any additional fees to add employee cards to your account. When your employees have a business credit card, you can easily track spending and manage expense processes while also earning rewards on all those purchases.  
• Account and business management tools . Use the online account and mobile app to easily manage your account. You can set spending limits on employee cards, choose when your due date is during the month and view recurring transactions to stay on top of subscriptions and vendor payments. 
• Ability to assign an employee as an account manager . Delegate some of the work by assigning an employee account manager who can review transactions, make payments and work directly with Capital One to resolve issues on your behalf.

Travel benefits

When you use this credit card to pay for business travel, you and your employees benefit from travel perks such as:

• Travel and emergency assistance services . If you pay for your travel with this card, you can access a 24-hour hotline for emergency assistance in certain situations, such as if your card is lost or stolen.
• Rental car insurance . If you pay for your entire car rental with this card, you can forgo rental insurance because you’re covered for accidental damage to the rental car already.
• Complimentary access to Capital One lounges . Through January 2025, you get complimentary access to Capital One and partner lounges when you travel. After that, you may be able to get a discounted rate when accessing travel lounges as a cardholder.  
• Global Entry or TSA Precheck application credit . You get a credit of up to $100 to cover the cost of TSA Precheck or Global Entry .
• Hotel credits . You can get a $50 experience credit and other perks when staying with certain hotel chains when you pay with your Capital One Spark Miles card.

Purchase and account protection benefits

Capital One Spark business card benefits also include perks related to spending and account protection, including:

• Purchase protection . Accidental damage or losses related to purchases on your card may be covered for up to 90 days from the date of purchase. 
• Extended warranty . You can get additional coverage beyond the manufacturer’s warranty on eligible purchases with this card.
• $0 fraud liability . With this protection, you aren’t responsible for paying unauthorized charges on your card. 
• Virtual card numbers . Dynamic virtual credit card numbers let you make purchases online without exposing your actual account number. 
• Business CreditWise . As an account holder, you get complimentary access to CreditWise, so you can track your business credit score and report.

Before you apply for this card and start earning Capital One Spark business miles, ensure you know what the costs of account ownership are.

Capital One Spark Miles for Business fees

For the first year, you won’t pay an annual fee with this card. However, after that, you pay $95 per year, so it’s a good idea to ensure you’re earning and redeeming enough miles to make that expense worth it.

There aren’t fees for transferring a balance to this card, but you will pay a fee for taking a cash advance. That fee is $5 or 5% of the cash advance amount, whichever is more. There are no foreign transaction fees with this card, which helps you save a little on business travel expenses if your team needs to travel internationally.

If you’re late with a statement payment, you could pay up to $39 in late fees.

Capital One Spark Miles for Business interest rates

While it’s always best to pay your statement off every month to avoid interest expenses, that isn’t always possible.

Here’s what type of interest you might accrue if you carry a balance forward with this card:

• APR on regular purchases . The interest rate on regular purchases is 26.24% variable.
• Introductory APR for purchases or balance transfers . This card does not have an introductory APR offer.
• Cash advance APR . If you use your card to get a cash advance, the APR on that amount is 32.34% variable.
• Penalty APR . If you make a late payment or exceed your credit limit, you might end up paying a penalty APR on some of your balance. That rate is 34.65% APR.

Capital One Spark Miles for Business credit limit

The credit limit you’re approved for depends on your personal and business credit score as well as other financial factors. Cardholders have reported being approved for credit limits ranging from $1,000 to $15,000 or more. 

The Capital One Spark Miles for Business credit card is a strong contender in the market of basic business credit cards. The annual fee and interest rates are competitive, and you get some nice rewards and business account management perks. 

However, if travel is a big part of your business — meaning you or your employees travel for company purposes more than four or five times each year — a higher-end business travel rewards card may be a better credit card option for you. These typically come with higher annual fees but offer thousands of dollars in travel perks and better reward structures. 

Capital One Spark Miles for Business vs. The Blue Business® Plus Credit Card from American Express

If you want some other card benefits and don’t mind a limitation on rewards earnings, The Blue Business® Plus Credit Card from American Express might be a better choice.

Here are some of the ways this card differs from the Capital One Spark 2x mile card for businesses:

• There is no annual fee, even after the first year ( see rates and fees ).
• You earn 2x Membership Rewards points, but they are capped on the first $50,000 in spending every year. After that, you only earn 1x points.
• This card has a 0% introductory APR offer for the first 12 months.
• If you have good credit, you may have a lower APR on this card than the Capital One Spark Miles card.
• This card offers fewer general travel perks than the Capital One card.

Read our full Amex Blue Business Plus card review

Due to the potential for a relatively low starting credit limit, this card is best for small businesses that don’t spend hundreds of thousands every month. 

It would also suit businesses that engage in some type of travel or business owners who want to earn miles for personal travel. 

If you’re not convinced this Capital One business credit card is right for you, check out our reviews for Chase business cards and Amex business cards to see if you find a better fit.

You can learn more about the Capital One Spark Miles for Business and apply online with Capital One. 

You’ll need to supply your full name, personal contact information, and some information about your business. Capital One also requires that you provide proof of identity — you can usually do that by uploading an image of your driver’s license.

This card requires good to excellent credit for approval. Typically, you’ll need a credit score of 670 or higher to get approved, but it’s not impossible to get approved if your score is slightly lower if your business and personal finances are otherwise strong.

What are the best Capital One Spark Miles for Business card benefits?

This card offers numerous benefits, including 2x and 5x miles on spending and a flexible rewards redemption structure. You also get a $100 credit for TSA Precheck or Global Entry fees and access to perks that enhance the enjoyment of travel.

How much are Capital One Spark miles worth?

Capital One Spark Miles are worth 0.5 to 1.5 cents on average, depending on how you redeem them. If you transfer these miles to another travel loyalty program, they might be worth much more.

Are there blackout dates for Capital One Spark miles redemption?

No, there are no blackout dates when redeeming miles through Capital One’s travel portal.

Can I get a cash advance with the Capital One Spark Miles card?

Yes, you can use this card to get a cash advance at ATMs, but you will pay a higher interest rate and fees on that transaction.

How can I get a Capital One Spark Miles for Business virtual credit card?

If you have this credit card, you can sign up for the Eno virtual assistant in your online account to get a virtual credit card number.

Does Capital One Spark Miles for Business Card have travel insurance?

This card includes some travel insurance options. However, it does not include all the coverage that you might get with other Capital One cards. Travel insurance options vary across Capital One products, so always read the details of your card benefits.

Is the Capital One Spark Miles for Business a Visa or Mastercard?

The Spark Miles for Business card is part of the Mastercard network, not Visa.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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