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Travel Bank Credits

Got some JetBlue travel credits? It’s easy to view your current balance, expiration dates and transaction history—and use your credits for a new booking. Just create/log in to your travel credit or TrueBlue account to get started.

• Travel Bank 101

What can travel credits be used for?

How to access and link travel credits, how to use travel credits, using multiple travel bank accounts, helpful videos, how to use jetblue vacations credits, terms and conditions travel bank 101.

Your JetBlue Travel Bank is an online account (or bank) where you can access and manage any JetBlue travel credits you’ve received. Think of it like a payment wallet that you can choose to use on jetblue.com or the JetBlue app.

• Your Travel Bank account is created automatically the first time you’re issued a travel credit, and your login info is sent to you in two separate welcome emails.  
• The link in the password creation email expires after 48 hours. If you haven’t received or can’t locate these emails, you can request your login ID  and/or reset your password with our online login look-up form. 
• You’ll need to use your login ID and password every time you want to view or use your Travel Bank account. 

Travel credits can be used to book a reservation for anyone you’d like. The name on the account doesn't need to match the name of the traveler. 

JetBlue travel credits can be applied to:

• Airfare and taxes on JetBlue-operated flights booked through jetblue.com.
• The air portion of a JetBlue Vacations package.
• Blue Basic fares booked or exchanged on or after Mar 18 2024 cannot be changed but may be cancelled. 

Travel credits cannot be applied to:

• Checked bags 
• Same-day switches
• Taxes for Move to Mint certificates (Mosaic 3 and Mosaic 4) 
• Seat selection for Blue Basic or other seat fees 
• Even More® Space 
• Core (preferred) seats
• Priority security 
• Unaccompanied minor fee  
• Service fees (including phone and GDS bookings and changes), etc. 
• Bookings on partner airlines 
• Non-air portion of a JetBlue Vacations package 
• Online travel sites other than jetblue.com or the JetBlue app 

Access Travel Bank without a TrueBlue account 

• For your security, the first email contains your login ID, and the second email contains your password. 
• Create your Travel Bank password. 
• Save your Travel Bank account details somewhere safe for future use.  
• You now have full access to Travel Bank. 

Access Travel Bank with a linked TrueBlue account

• Log in to your TrueBlue account. 
• Click your initials or picture in the top right corner. Your total travel credit amount will be displayed in the dropdown menu. 
• If you would like to review your Travel Bank statement, select Travel Bank Credit from the dropdown menu. You should be automatically logged into your Travel Bank account to view your Travel Bank statement.  
• Any travel credits issued to you should be visible when you log in to your TrueBlue account. If you don’t see them, your TrueBlue account and your Travel Bank account might not be linked. 
• Expired travel credits will not display in your TrueBlue dropdown. 

Not receiving Travel Bank emails? Contact us

How to use travel credits while booking:

• If you have a TrueBlue account linked to your Travel Bank account, log in before you begin to book your trip. You also have the option to sign in during the booking process. 
• If your Travel Bank is not linked to your TrueBlue account, or you are not logged in, you will have the option to log into your Travel Bank account on the payment screen while booking.  

Need to use travel credits in Manage Trips?

• If you don’t have a Travel Bank account, select create a new account in Manage Trips. 
• If you have an existing Travel Bank account that is not attached to a TrueBlue account, log into your Travel Bank account on the Manage Trips payment page. 
• If you have an existing Travel Bank account that is attached to your TrueBlue account, log into your TrueBlue account and your Travel Bank Credits will auto-populate. 

Where is my travel credit?

Credit expirations and open tickets.

Locate Travel Bank Info with TrueBlue

Find Your Travel Bank Credentials

Reset Your Travel Bank Password

How to Use Your Travel Bank Credit

If you’ve received a JetBlue Vacations credit, it’s important to know how it’s different than a JetBlue travel credit. While both can be used to book your next JetBlue adventure, here are the key differences:

• Can be applied toward any portion of a JetBlue Vacations package.
• Can't be viewed or managed in your Travel Bank account.
• Can’t be applied online—it must be redeemed by calling JetBlue Vacations at 1-844-JB-VACAY (1-844-528-2229). Provide them with your confirmation code and the last four digits of the credit card used on the original JetBlue Vacations reservation. 
• Can be applied toward JetBlue-operated flights or the flight portion of a JetBlue Vacations package.
• Can be viewed or managed in your Travel Bank account.
• Can be applied online by choosing Travel Bank on the Payment screen.

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Don’t Lose Travel Credits: How To Use the JetBlue Travel Bank

Julian Kheel

Content Contributor

4 Published Articles

Countries Visited: 27 U.S. States Visited: 40

Editor & Content Contributor

156 Published Articles 777 Edited Articles

Countries Visited: 35 U.S. States Visited: 25

Keri Stooksbury

Editor-in-Chief

36 Published Articles 3273 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

What is the jetblue travel bank, what are the jetblue travel bank rules, what can you use the jetblue travel bank for, how to check your jetblue travel bank balance, how to use a jetblue travel bank credit, can you extend a jetblue travel bank credit, final thoughts.

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If you’ve canceled a flight with JetBlue and received a travel credit for the value of your ticket, you might be wondering how to find and use that credit. The answer is the JetBlue Travel Bank . It’s a special account issued to the airline’s customers to hold their travel credits until they can be applied to a new flight or JetBlue Vacations package.

But when it comes to using your credits, there are several tricks and pitfalls to be aware of. Here are all the details you’ll need to ensure you can use your JetBlue Travel Bank account when you need it — and with the fewest headaches.

Most JetBlue tickets can be canceled without paying a fee. The only exception is the airline’s Blue Basic fare , which can be canceled for $100 per person on routes to and from North America, Central America, and the Caribbean, and $200 per person on other routes.

That means you can get at least some value from almost any JetBlue ticket as long as you cancel your flight before it departs .

However, you don’t get the money back when you cancel a nonrefundable JetBlue ticket. Instead, you’re issued a travel credit that can be used for a future JetBlue flight. That credit is automatically deposited into the JetBlue Travel Bank and linked to you either by name or to your JetBlue TrueBlue frequent flyer account, which also contains any points you’ve earned from flying or with the JetBlue credit cards .

Like most airline travel credits, there are several rules and restrictions on JetBlue Travel Bank credits that you’ll need to know.

Credits Aren’t Transferable, But You Can Book for Others

While you cannot transfer a JetBlue Travel Bank credit to someone else, you can use it for a friend, family member, or anyone you’d like by booking a new ticket in their name.

As long as you’re booking the flight with your Travel Bank, the passenger name on the ticket doesn’t need to match the name on the account. You don’t even need to be traveling with the person to apply your credit to their ticket.

Can Only Use With 1 Other Form of Payment

Travel Bank credits can be used to pay any type of JetBlue fare. But if you want to use it to pay the taxes and fees on award tickets, the credit must be enough to cover the entire amount. That’s because you can only use 2 forms of payment on a single ticket . So if one of those is points, the other form of payment has to cover the entire cash amount.

This is a particularly annoying limitation when you’re trying to change an award ticket. With JetBlue, the only way to change a ticket booked with points is to cancel the original ticket, get the points back, and then book a new one.

But while the points from the original ticket will instantly go back into your JetBlue TrueBlue account, any taxes and fees you paid will go into your Travel Bank instead of back to your original form of payment. Then, if the new flight you want has higher taxes and fees, you can’t use the credits in your Travel Bank to pay for them. Instead, you’ll have to pay the cash portion again.

Travel Bank Credits Expire After 12 Months

JetBlue Travel Bank credits have a hard expiration date — 12 months after your original ticketing date . That’s the day you booked the original ticket, not the date you were scheduled to fly or the date you canceled.

That means you’ll likely have less than 12 months to use the credit. So, it’s important to be aware of the calendar to make sure you use your credit before it expires.

You only have to book a new ticket using the credit before it expires — you don’t have to actually fly before that date. JetBlue opens its schedule nearly a year in advance, so if you’ve got a trip planned for months in the future, you can still use your Travel Bank credit for it. Just book far enough in advance to apply the credit before its expiration date.

There are only 4 things you can use JetBlue Travel Bank credits for:

• Airfare and taxes on JetBlue-operated flights booked through jetblue.com or its mobile app ( iOS , Android )
• Taxes and fees on JetBlue award flights (as long as the credit covers the entire amount)
• The air portion of a JetBlue Vacations package
• Any applicable increase in airfare when changing a booking

That means any other fees you might be charged during your travels with JetBlue, such as checked bags , in-cabin pets, seat selection, and the like, cannot be paid using credits from the Travel Bank. Essentially, you can only use it for forms of airfare for you or others and nothing else.

When you cancel a JetBlue flight, if you don’t already have a Travel Bank account, a new one is created automatically. Then, if you have a JetBlue TrueBlue frequent flyer account, the 2 accounts are linked. You can see your balance anytime by logging into your TrueBlue account on JetBlue’s website and clicking on the account menu in the upper right corner.

If you don’t have a TrueBlue account, the login info for your Travel Bank is sent to you after you cancel your ticket in 2 separate welcome emails , one of which has a temporary password that you’ll need to change within 48 hours. You can use that info to log into your Travel Bank account to see your current balance and expiration date.

Can’t find one of the emails or forgot to change your temporary password? You can use JetBlue’s Login Lookup Form to find the information.

If you’re booking a ticket with cash, using your Travel Bank credit is relatively easy. All you need to do is search for the new flight you want to book using JetBlue’s website or app.

Then, when you get to the payment page, you’ll have the opportunity to log into your TrueBlue account to apply your Travel Bank credit (if you aren’t already logged in) or to access your Travel Bank with the login info that JetBlue previously provided.

You don’t even have to use up your entire Travel Bank credit all at once . If your ticket costs less than the credit, the remaining amount will stay in your Travel Bank to be used later.

Or, if you’d simply prefer not to use your entire credit on 1 ticket, you can set the amount you want to use as partial payment. Then, if your credit doesn’t cover the entire cost of your new ticket, any remaining amount due can be paid for with any major credit card.

If you’re booking with points, you’ll have the same opportunity to use your Travel Bank credits toward the taxes and fees on your award flight. But again, in this case, the credit must be able to cover the entire amount.

Unfortunately, there’s no way to extend the expiration date on a JetBlue Travel Bank credit . While you can use the credit for a flight as far out in the future as JetBlue has available, you must book that new ticket with the credit before the 12-month clock expires, or you’ll lose it. Even having JetBlue Mosaic elite status won’t exempt you from this policy.

Also, unlike other airlines, if you book a new ticket with the credit and then cancel that new ticket, the credit will retain its original expiration date . And if the original expiration date has passed, you won’t get the credit back.

This is one of the less customer-friendly airline policies regarding travel credits. Many airlines will reset the date on your credit if you book a new ticket and then cancel it, but JetBlue doesn’t. And some airlines like Southwest don’t have expiration dates on their travel credits .

So, when booking JetBlue tickets, keep in mind that canceling the ticket later will mean less flexibility with JetBlue than it does with other airlines.

As long as you’re booking a ticket with cash, or the taxes and fees on your award ticket are fully covered by your existing credit, you should be able to access and use your JetBlue Travel Bank right during the booking process. That’s good news since you have such a limited amount of time to use it, with a 12-month expiration clock starting from the date you booked the original ticket.

Finally, remember that if you cancel a reservation with multiple passengers, each person will receive their own separate Travel Bank credits . So, it’s important to keep track of all the Travel Bank logins and TrueBlue accounts to ensure you’re not leaving any of your hard-earned money on the table.

Frequently Asked Questions

How long do you have to use the jetblue travel bank.

JetBlue Travel Bank credits expire 12 months after the date the original ticket was issued. It’s not based on the date you were planning to fly, or the day you canceled. That means you likely have less than 12 months to apply the credits, and there’s no way to extend the expiration date.

However, you don’t need to actually fly before the credits expire. You only need to book a new ticket by then. Your actual travel date can be as far in the future as JetBlue’s schedule allows.

How do I access my Travel Bank on JetBlue?

JetBlue TrueBlue frequent flyer members can access Travel Bank credits by logging into their TrueBlue account. However, if you’re not a JetBlue TrueBlue member, the airline will send you emails with the information needed to access your Travel Bank credits.

If you can’t find the emails that were sent to you, you can request the information from JetBlue via its website.

Can I use my JetBlue Travel Bank credit for someone else?

Yes, you can use your Travel Bank credit to book a JetBlue ticket for a friend or family member — literally anyone. Just make sure you’re signed into your own TrueBlue or Travel Bank account, and then book the ticket using the other person’s name. The name on the Travel Bank account doesn’t need to match the name on the ticket.

Can JetBlue Travel Bank balances be transferred?

No, JetBlue Travel Bank balances and credits cannot be transferred to other people. However, since you can book a ticket in someone else’s name while using your own Travel Bank account, this is only a burden when booking with multiple Travel Bank credits in multiple names.

Can I use the JetBlue Travel Bank for baggage fees?

JetBlue Travel Bank credits can only be used for airfare, including taxes and fees on award tickets, and for JetBlue Vacations packages. It cannot be used for baggage fees, seat fees, or any other ancillary fees on JetBlue.

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About Julian Kheel

Julian Kheel first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. With over 15 years of professional experience studying travel loyalty programs, Julian has served as CNN’s Senior Editor covering travel and credit cards, as well as the Editorial Director of The Points Guy, and has worked as a consultant for the Big 3 U.S. airlines.

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Travel Bank credits and refunds

Outside of 24 hours from booking, if you’ve cancelled your flight under an eligible fare or changed to a fare lower in price, your refund will be returned as a credit with WestJet and held in your Travel Bank — which is linked to WestJet Rewards account.

• 1 credit = 1 CAD, USD or GBP (depending on your address)
• Apply toward the cost of a flight, with no blackout dates
• 12 month expiry for credits from change/cancel

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What is Travel Bank?

Travel Bank is an easy-to-use account where you accumulate and save credit from non-refundable ticket changes, cancellations or service credits. These credits are kept in your Travel Bank until you use them to pay for new flights with WestJet, excluding WestJet Vacation packages and service fees.

Travel Bank is not an actual physical bank. It’s more like a store credit.

Why do I need an account for Travel Bank?

To receive a credit, you need a WestJet Rewards account.

A Travel Bank requires a WestJet Rewards account and ID in order to be linked to you, the Travel Bank owner. With an account you can  sign in  online to view your Travel Bank balance.

When will I see the credit in my Travel Bank?

This depends on how your cancellation was processed. If you cancelled with an agent in our contact centre or online in Manage Trips, you will see the balance in your account immediately.  Sign in to view your balance.

You can use your Travel Bank credit to  book new flights  as soon as you see it in  your account . If your flight was cancelled due to a schedule change and you do not see the correct balance, please  contact us .

Do Travel Bank credits expire? If so, can I get an extension?

Travel Bank credits from changed or cancelled flights can be used to pay for flights up to 12 months from the date your flight was cancelled.  Sign in  to your WestJet account to check your credit expiry date. Travel can occur after the expiry date. Regular Travel Bank credit can be extended for 12 months one time only for a fee.  Please phone our contact centre to request an extension. This does not apply to an already extended credit. Expired credits cannot be extended.

How do I use my Travel Bank credits?

Travel Bank credits can be used to pay for WestJet flights and select fees such as kennels and seat selection, but not WestJet Vacation packages, excess baggage or change fees.

• You can apply credits to one or many flights until the balance is $0
• There are no blackout dates

You can pay for new flights with your Travel Bank credit online, through the call centre or at the airport.

To use your Travel Bank credit when  booking online :

• Sign in  to your WestJet Rewards account.
• Select your flights and continue to the payment step.
• When you’re signed in your Travel Bank balance will appear with the option to apply the credit to your purchase.
• Choose to apply all, or a portion of your Travel Bank balance toward the cost of your flights. Any remaining cost can be paid with WestJet dollars or a credit card.

Can I transfer my Travel Bank credits?

Yes, Travel Bank credits can be transferred to another WestJet Reward’s account upon request through our  contact centre .

Can I use my Travel Bank credits to pay for travel for another guest?

Yes, this is easy to do.

To apply a Travel Bank credit to another guest's flight:

• Sign in  to your WestJet Rewards account
• Select the desired flights, fill in the guest details for the person travelling and continue to the payment step
• If there is a balance in your Travel Bank, the option to apply the credit to the travelling guest’s flight will appear as a payment option

Book a flight for another guest

How is my Travel Bank protected?

Your Travel Bank can only be accessed by using your WestJet Rewards ID. Any fraudulent use of your Travel Bank will be investigated, however, WestJet is not liable for any unauthorized use of your WestJet Rewards ID, password, Travel Bank credits or your payment card information. Please take care to keep your WestJet Rewards ID confidential.

WestJet Vacations package bookings

Travel Bank credits cannot be used for WestJet Vacations packages.

Warning about fraudulent transactions involving Travel Bank credits for sale

WestJet Travel Bank credits posted for sale on any online classified website may not be valid or may become invalid at a later date. WestJet is only able to verify if a Travel Bank credit is currently available. Flight bookings and Travel Bank credit purchased with a stolen card or in some other unauthorized fashion will be revoked or cancelled immediately without notice or reimbursement.

WestJet is not involved in any private transaction resulting from an advertisement on an online classified web site. WestJet does not handle the payment, guarantee transactions, offer buyer protection or seller certification for these advertisements. WestJet will not be liable for the loss of funds resulting from a fraudulent transaction.

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How to Use Airline Flight Credits — So You Never Lose Out Again

Here’s what you need to know about using flight credits — including the specific rules for Delta, American, and other top airlines.

What are flight credits?

How to use a flight credit, what to know about flight credit expiration policies.

• Airline-specific Flight Credit Rules to Keep in Mind

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Fight credits can come in many different forms, but they are usually the result of a canceled flight. Since the ability to cancel or change a flight without fees has become more commonplace over the last few years, flight credits have also become something frequent fliers are dealing with more often. 

Using flight credits can be confusing because their terms and conditions aren’t universal — every airline has its own set of rules regarding flight credits. Here’s everything you need to know about flight credits, including how to use them, when they expire, and how to extend them. Plus, we’ll look at flight credit policies from five major U.S. airlines.

Related: What to Do If Your Flight Is Canceled, According to a Travel Expert

Flight credits, also referred to as travel credits, are credits received after canceling a flight. They are usually tied to the original ticket, so keep that information handy when you are ready to re-book your flight.

Generally, you’ll be able to book a new flight using a credit on your airline’s website. If your original ticket had multiple forms of payment, you may need to call to complete a booking using a flight credit.

If you booked the original ticket through a travel agency, you’ll need to contact the travel agency to cancel the flight and again when you want to book a new ticket with the flight credit.

Flight credits usually have an expiration date. While the length of time a credit is valid varies by airline, more often than not, they are good for one year. 

Remember that some airlines start the one-year clock when the original ticket was issued, not when the flight credit was generated.  So, if you book a flight and then need to cancel it six months later, your flight credit may only be valid for an additional six months.

Anna Harrison, a travel advisor and owner of Travel Observations, an affiliate of Gifted Travel Network, who is also a member of the American Society of Travel Advisors, always reminds clients of another important factor when considering flight credit expiration dates. “Remember ‘fly by’ dates can be different than ‘book by’ dates,” she stresses. 

Check with your specific airline to see if you need to book your travel by the flight credit expiration date or if you actually need to travel by that date. Whether or not you can extend a flight credit after its expiration depends on the specific airline. However, most flight credits can’t be extended after their original expiration date.

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Airline-specific Flight Credit Rules to Keep in Mind 

Delta air lines ecredits.

Delta Air Lines flight credits are called eCredits, and they can be used toward the payment of any Delta flight, including taxes and fees. Passengers can use up to five eCredits at a time.

Delta eCredits can be generated from an unused or partially used ticket, as compensation for service issues, from ticket exchanges that result in unused funds, or from e-gift certificates.

To redeem your Delta eCredit, you’ll need your 13-digit eCredit number that begins with 006.

Delta eCredits are valid for one year from the day the original flight was booked, and travel must be booked by the expiration date. 

American Airlines Flight Credits

American Airlines has three types of travel credits: trip credit, flight credit, and travel vouchers. We’re focusing on flight credits, which are issued for canceled flights or unused tickets. AA flight credits can be used to book non-award flights only. These credits can’t be applied to extras like seat charges or baggage fees .

The flight credit must be used on travel that begins within one year of the original travel date, not from when you cancel the original flight. If you book your flights far in advance, this can leave you with a short amount of time to use the credit.

Reservations using flight credits can be booked online for flights within the U.S., Puerto Rico, and the U.S. Virgin Islands using the record locator or ticket number of the original flight. For reservations using more than one flight credit or for international travel, you’ll need to call American Airlines to book. American Airlines flight credits aren’t transferable — they can only be used for the person named on the original flight — and they can’t be extended past their expiration dates.

JetBlue Travel Bank Credits 

JetBlue flight credits are also called travel bank credits. Travel credits can be used for JetBlue flights, including taxes, the air portion of a JetBlue Vacations package, change fees on Blue Basic fares, and increased flight costs due to a change on a Blue Basic ticket. The passenger name doesn’t have to match the name of the travel bank account holder, so it’s easy to use your JetBlue flight credits for someone else.

JetBlue travel credits can’t be used for any other charges, including baggage fees , Even More Space seats, or pet fees.

To redeem your JetBlue flight credits without a TrueBlue account, you’ll need to create a Travel Bank account. Once you have travel credits, you’ll get 2 emails from JetBlue containing your Travel Bank username and a temporary password, which will allow you to set up an account. If you have a TrueBlue account, you’ll be able to see the amount of your flight credits in the Travel Bank Credit section of your online account.

JetBlue travel credits are valid for one year from the original ticketing date. Unlike many airlines, you only need to book your travel by the expiration date, but travel can be completed after the credit expires. If a reservation made using a JetBlue travel credit is canceled, the credit expiration date will not reset. JetBlue travel credits can’t be extended.

United Airlines Future Flight Credits

If you cancel a United Airlines flight or change to a less expensive itinerary, you’ll receive a future flight credit. In addition to airfare, these flight credits can be used for extras like seat selection when they are chosen during the booking process. Future flight credits can only be used for the person named on the original flight that was canceled or changed. 

To use a flight credit, choose your flight on the United website or mobile app as you normally would. During the checkout process, select Travel Credits as your payment method, and any credits you have will be applied to your total. You can combine multiple future flight credits to pay for one transaction, but they can’t be combined with travel certificates.

If you want to combine your future flight credits with PlusPoints, book your flight with the flight credits first, then request a PlusPoints upgrade.

Future flight credits expire one year after the date they were issued, and your travel must begin by that date to use the credit. Credits can’t be extended.

Southwest Airlines Flight Credits

Southwest flight credits, previously called travel funds, are created after canceling a flight or changing a flight to a lower-priced itinerary. They are easy to use online, and they never expire .

These flight credits are tied to your original flight number. When paying for a new flight, look for the payment section labeled Apply Flight Credits, LUV Vouchers, and gift cards . Then, enter the confirmation number from the original flight and the passenger’s first and last name.

If the original flight that generated the flight credit was a Wanna Get Away fare, it’s non-transferable. If the flight credit was generated from a Wanna Get Away Plus, Anytime, or Business Select fare, it can be transferred to someone else.

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JetBlue Travel Bank Account Guide (Expiration, Fees) [2020]

Sometimes you get hit with a surprise and you’re forced to cancel or miss a flight and you end up left with travel credits. Other times, you might experience some type of inconvenience and receive travel credits as a form of compensation. When it comes to JetBlue, these travel credits will be put into a Travel Bank and you’ll be able to use them for select travel expenses. 

In this article, I’ll break down everything you need to know about the JetBlue Travel Bank, including all of the relevant rules and restrictions for things like expiration and transferring credits.  I’ll also provide you updated information about how your travel bank account is affected by coronavirus.

Table of Contents

What is the JetBlue Travel Bank?

The JetBlue Travel Bank is an online account that allows you to view/manage your travel credits and to use them for future flights and select fees.

Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!

How do you access your JetBlue Travel Bank?

• You can click here to access and log-in to your JetBlue Travel Bank.

You can log-in with your TrueBlue credentials or with the Login ID and password provided in your Travel Bank welcome email.

If you have new travel funds, you should look in your inbox for a welcome email with your login information. Note that you will probably receive two emails. One will have your log-in ID and one will have your password which will expire within 24 hours. You do not need to have a TrueBlue account in order to receive these emails and have a Travel Bank account. 

If you did not receive this email, call their reservations center at 1-800-JETBLUE (538-2583).

How do you get travel credits?

You can get JetBlue Travel credits issued to you in a number of different ways. A lot of times it can come from the result of a cancellation or changed flight.

Let’s say you booked a nonrefundable ticket and then decided to change that to a different flight and your new flight was cheaper. In that case, it is possible that the difference in ticket price could be converted into travel credits. So if you originally booked a $400 flight and it changed to a $200 flight, you could be credited for the difference (minus change fees). 

But note that if a nonrefundable ticket is not changed or canceled prior to departure you will forfeit all funds.  This is why it’s always important to never no-show when you’ve booked a non-refundable ticket. 

If you booked a refundable ticket you could still receive travel credits if you decided to not show up for your flight and never changed or canceled the flight. 

You might also receive travel credits for experiencing some type of inconvenience. For example, if your flight was significantly delayed it is possible that you could be issued a travel credit. Or if your in-flight entertainment system did not work or seat did not work properly it is possible that you could also be issued a travel credit.

Basically, any time that you are significantly inconvenienced during your travel experience with JetBlue you could request a travel credit and possibly get one.

Do the JetBlue travel credits expire?

Your travel credits will expire one year from the date of issuance unless otherwise noted (see the coronavirus exceptions below).

You can view the expiration date for your travel credits on your Travel Bank statement. If you have multiple travel credits within your account, the travel credits with the soonest expiration date will be used first.

Something to note that is really nice about these travel credits is that you don’t have to complete your travel before the expiration date. All you have to do is to make sure that you book your travel before the expiration date.

JetBlue makes this clear: 

If you receive a refund on a flight that was originally paid for with JetBlue travel credit (for full or partial payment), the expiration date for these funds will revert back to the original expiration date of the credits that were used to purchase the flight.

The catch here is that if you ended up canceling that reservation then you would have a refund back to your Travel Bank and your credits would then expire. So you really want to try to be sure about your travel plans and to avoid canceling those so that you do not lose your credits.

As far as I can tell, there is no standard policy for granting extensions for JetBlue travel credits that expire. However, if you have status with JetBlue you might contact customer service and give it a shot because you never know what they might say.

Vacation packages

You might be wondering if you can use your travel credits for vacation packages.  JetBlue travel credits may only be used towards the air-portion of a JetBlue Vacations Package. 

You can also receive a different type of credit via a vacation package. JetBlue Vacations credits are good for one year from the date of issue and may be used towards any portion of a JetBlue Vacations Package.

What about codeshare flights?

On many occasions, you might have a flight on JetBlue and also have a flight on another partner airline or codeshare partner. You need to know that “If any itinerary includes a segment not operated by JetBlue then the funds MAY NOT be placed in a Travel Bank.” 

Also, if any itinerary includes a segment not operated by JetBlue then funds from Travel Bank may not be used. So when it comes to using these travel funds from your Travel Bank you need to make sure that you are only flying on JetBlue flights.

How to use your JetBlue travel credits

You can use your Travel Bank travel credits online. When booking online at jetblue.com, you’ll have the option to use your JetBlue travel credit during the payment portion of the booking. You will need to log-in and then you’ll be able to view your balance and then choose how much of your balance you want to use for that specific flight.

This means that if you would like to also pay with a credit card you can simply choose to use your travel funds first and then select the option for paying for the remaining balance with a credit card.

One thing that is special about these credits is that you can use them for other people. So if you have three other people traveling with you, you could book their flights with funds from your Travel Bank. Even if you are not flying with them you can still use your credit for other people (if you call in to do this you might be subject to a booking fee).

This is not the same as the travel credits for Southwest, which require you to use them for the passenger who received the credit. One workaround for those travel credits for Southwest is that you can convert them into LUV vouchers which can be used for other people although there is a fee associated with that conversion.

You can read more about Southwest travel credits here .

What can you use your travel credits for?

You can use travel credits for airfare and some associated fees. They may not be used toward ShopBlue merchandise and also may not be used for the following purchases: 

• Even More Space seats
• Unaccompanied Minor fees
• Baggage fees
• Purchases onboard
• Flights on partner airlines

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Using travel credits to cover change fees

You can use your travel credits to pay for changes in airfare and the change/cancel fee that goes with it. However there are a number of restrictions when trying to use your travel credits for certain types of fees. Here is a list of fees that you cannot use your travel credits for:

• Change/cancel fees on TrueBlue Point bookings
• Same-day change fees
• Ancillary fees

Multiple Travel Banks

Multiple Travel Bank accounts may be used per reservation, but only one Travel Bank per customer may be used. So for example, if three passengers have Travel Banks and you wanted them all on one single reservation, you could use each of their Travel Banks. You may need to call in to do this but the phone fee should be waived.

Merging travel funds

Travel credits may be merged into one Travel Bank account, as long as the credits are all under the same customer name (once merged, they cannot be unmerged). This does not mean that you can merge Travel Bank accounts between different passengers.  This just means that if you have multiple credits under your name you can merge them to your own Travel Bank account. 

To merge credits, call 1-800-JETBLUE (538-2583) to speak with a reservations crew member.

What if I forgot to use a credit?

If you book a new reservation and forgot to use your travel credit there still is hope for you. In that case you will need to call in and ask them to retroactively apply your travel credit and you should be able to do this as long as you received the credit before your booking.

But if you have already taken the flight then you would NOT be able to apply your travel credits to that flight. So it’s key to get this done before departing on your flight.

Coronavirus extensions

• If you have a Travel Bank credit from a previous flight purchase that is expiring between February 27, 2020 and June 30, 2020 it will now expire December 31, 2020.
• Travel Bank credits issued between February 27, 2020 and June 30, 2020 for flight purchases will now have a 24-month expiration period as opposed to the typical 12 months.
• Travel Bank credits issued after June 30, 2020 will expire 12 months from their date of issue.

Read more about the latest covid updates here.

JetBlue has a pretty generous policy when it comes to their travel credits. They allow you to use them for other people which is a pretty flexible policy, especially compared to Southwest. It’s also nice that the expiration does not kick in until one year after they are issued and that you all you have to do is make your booking before that deadline. 

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

13 comments

why the flying fuck did i have to learn all this great information from a blog and not the jetblue website lol, ty for explaining this

i have travel bank credit of 426$ because of a cancelled flight due to covid-19, but when i try and use them it says i have a limit of 100$ and 426$ credit and cannot use more than 100$. Why is that?

I have a credit for $75.00 which will expire on Dec 21, 2020 I cannot get a flight back to Philadelphia until the 12/24/2020 can they extend this credit 3 days???

Sounds like you can use it to book a future flight, as long as you use it before the expiration date.

This is the 2nd time Jet Blue has changed my flights. Never again I have to lose my tickets again because your co decided to change flight days again. Can’t use Jet Zblue ever again!

Mi husband has a travel fund totaling $212. It was issued January 17, 2020. Due to the situation with the virus, he has not been able to travel. He is 74 years old so we don’t think it would be wise for him to travel right now. How do we get an extension on these funds? I have tried contacting your 800 number but to no avail. Please advise

Contact JetBlue via email. I had about $200 in expiring Travel Bank credits that were extended until 03/22.

My grand daughter and my wife had travel arrangement. Unfortunately my grand daughter is unable to travel with my wife, They both have credit Travel Bank credits. Can credits from my grand daughter’s account be used by my wife to purchase ticket?

Yes, you can use your grand daughter’s credit to purchase your wife’s ticket. Your grand daughter will have to do that for your wife, though, through her account. I’ve used my expiring credit that I couldn’t use to purchase a ticket for a friend of mine.

Your system is too complicated and stressful. Sorry.

Yes, you can use your grand daughter’s credit to purchase your wife’s ticket. Your grand daughter will have to do that for your wife, though, through her account. I’ve used my expiring credit that I couldn’t use to purchase a ticket for a friend of mine.

This is a complete rip-off. Just refund my credit card!, thanks. When booking a fight on JetBlue it is easy to use a CC or points, but there are many extra (unnecessary) steps to use this “bank”. Easy to have credits expire unless you travel frequently. Airlines as banks? They can barely keep a schedule. JetBlue continues its decline….

THE JET BLUE BANK CREDIT HAS EXPIRATION DATE AT JUNE , MY WIFE AND I TRAVEL JUNTOS ON THAT TIME, IS NOT LATE IF WE APPLY FOR ANOTHER TRAVEL ? WHEN IT IS GOING TO BE THE EXPIRATION DATE?

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Your United TravelBank funds may expire a lot earlier than you think

Posted by The Points Pundit | Jan 5, 2021 | Airlines , Deals | 4

Image Credit: Unsplash

For many in this hobby, using travel credits is often a tough task. Over the last few months, we’ve seen many blogs report how United’s Travel Bank can be an option to use up your airline free credit. However, you’ll need to keep the terms and condition in mind before you load up your United TravelBank account with funds.

United TravelBank

Over the last few months, many data points have indicated that this has worked successfully for many people in different denominations, right from a $50 load to a $250 load across different card products and issuers. However, unlike United’s MileagePlus miles which no longer expire, United’s Travel Bank funds do expire .

Expiration Dates

You’ll need to remember two sets of rules here. Firstly, the T & C’s that determine when your individual travel fund loads will expire. As soon as you load an amount to the Travel Bank, you can use that amount for five years on any United operated flight. The flight must be on United metal. However, you can use your travel bank funds to book flights for someone else.

Members can choose from six purchase amount options and once purchased the value remains valid for five years from the date it is deposited in your TravelBank account. Purchases are not refundable and are limited to $5,000 per day per MileagePlus account. This purchase is also subject to all of the  TravelBank terms and conditions .

These funds expire in batches, on a rolling basis every five years. Here’s a snapshot of how it looks in my account.

Secondly, there are T & Cs that also determine travel fund expiration due to inactivity.

As a general rule (and unless stated otherwise by United under the terms of a particular offer or the terms of certain qualifying activity as determined by United from time to time) all accrued TravelBank Cash in an Account is subject to expiration and/or forfeiture for any Member who fails at any time to engage in Account Activity (as defined above) for a period of eighteen (18) consecutive months. United may, but shall have no obligation to, send a Member a notification of TravelBank Cash nearing or subject to expiration.

The Pundit’s Mantra

While United TravelBank is a great option to use your credits, you’ll need to keep a couple of things in mind. Firstly, the funds you load will expire every 5 years, but in batches. Secondly, if your TravelBank account has no activity for 18 months, you may lose all the funds in your account. Moreover, United may or may not send you any notification about expiring funds well in advance.

I hope this post was able to shed light on the complexities of travel bank fund expiration. While this option is great, the last thing you’d want is to load thousands of dollars into it and lose all the funds due to lack of activity for 18 months.

___________________________________________________________________________________________________________________

The American Express Gold Card is currently offering a welcome bonus of 60,000 Membership Rewards points. You’ll earn a welcome bonus of 60,000 Membership Rewards points after you spend $4,000 in the first 6 months after you’re approved for the card.

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Ashish's quest to travel the world was fueled by an insatiable appetite to experience language, culture, people and music all over the world. By using miles, points and loyalty programs astutely, he has now traveled to 6 continents! A marketing executive by profession, he leverages his marketing acumen to analyze the business side of loyalty programs and travel industry trends.

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Does the 18 month account activity requirement still apply? I can’t find the clause in the terms and conditions.

I’m almost at 18 months no activity, so am worried about expiration

i tried to book with my travelbank, leaving ~$1 to pay with my united credit card so i could get a free checked bag. it didn’t go through. anyone had success with this?

[…] Your United TravelBank funds may expire a … – TravelUpdate […]

Here are my TB purchases: 01/04/2021 $100.00

01/04/2021 $100.00

01/02/2021 $50.00

10/18/2020 $50.00

10/18/2020 $100.00

So does that mean my earliest TB deposit on 10/18/20 will expire on 4/18/22? I heard the 18 month thing was phased out, but the verbage is still there on the T&C. If I buy another $50 TB on 4/17/22, then do ALL of my TB then reset to expire 18 months from that purchase date? (e.g. 18 mos from 4/17/22)?

Or Can I just book a fully refundable ticket for $400 (my total TB amount) and then refund it after a couple days?

[…] 资金过期规则一直有点迷惑，根据 TravelUpdate […]

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How to Use a JetBlue Airways Flight Credit

Sally French is a travel rewards expert who joined NerdWallet in 2020. She previously wrote about travel and credit cards for The New York Times and its sibling site, Wirecutter.

Outside of work, she loves fitness, and she competes in both powerlifting and weightlifting (she can deadlift more than triple bodyweight). Naturally, her travels always involve a fitness component, including a week of cycling up the coastline of Vietnam and a camping trip to the Arctic Circle, where she biked over the sea ice. Other adventures have included hiking 25 miles in one day through Italy's Cinque Terre and climbing the 1,260 steps to Tiger Cave Temple in Krabi, Thailand.

She lives in San Francisco.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

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If you’ve canceled a JetBlue Airways flight and didn’t purchase a refundable fare, you’re not completely out of luck.

Nonrefundable JetBlue fares let you retain the value of your ticket in the form of JetBlue travel credits. These credits live in your JetBlue Travel Bank — an online bank account for funds toward future JetBlue flights, and other JetBlue expenses.

These credits can be used to pay for future airfares and some other JetBlue-related expenses including the air portion of a JetBlue Vacations package , change fees for Blue Basic fares and any applicable increase in airfare when changing a booking. Just note that they typically expire 12 months from the date your ticket was created.

Here’s how to use JetBlue travel credits (and how to get these credits in the first place):

How to redeem JetBlue travel certificates

JetBlue travel credits can be used to cover a slew of purchases through the company including:

Airfare and taxes on JetBlue-operated flights.

The air portion of a JetBlue Vacations package.

Change or cancellation fees, and any applicable increase in airfare for changes.

Flights booked for someone else.

To book with your JetBlue credits:

Log in to your TrueBlue account.

Make a new reservation through the standard booking page. 

When you get to the payment page, select travel credit as your form of payment. A dropdown menu will appear and your credit amount will be displayed.

If your new purchase exceeds the cost of your JetBlue voucher’s value, you’ll have to use another payment method, such as a credit card, to make up the difference.

How the JetBlue Travel Bank works

Your JetBlue travel credits will live in the JetBlue Travel Bank , where you can see your remaining balance and the expiration dates. It requires a separate login from your TrueBlue account, so check your email for instructions.

To redeem your travel credits, you can use the JetBlue website as usual and follow the instructions above. You do not have to go through the JetBlue Travel Bank.

How to get JetBlue flight credits

When you cancel Blue , Blue Extra, Blue Plus and Mint fares, you receive the value of that airfare as a JetBlue travel credit.

You can also get a JetBlue travel credit when you cancel a Blue Basic fare, which is the lowest JetBlue fare class. But, the Blue Basic situation is less ideal because you’ll owe JetBlue a change or cancellation fee for the privilege of getting that credit. The Blue Basic change and cancellation fees are:

For flights within North America, Central America, or the Caribbean: $100 per person.

All other routes: $200 per person.

In most cases, you can’t cancel your flight after it’s already taken off. If you try to cancel after the scheduled departure time, your money associated with the reservation is typically forfeited, unless you purchased a refundable fare.

If you don’t show up for your flight on time and you booked a refundable airfare, you won’t be eligible for cash back, but you do get the money associated with the segment as a JetBlue travel credit.

Do JetBlue travel credits expire?

Unlike credits from other airlines such as Southwest , which issues travel funds that never expire, the JetBlue versions do expire. The JetBlue travel credit expiration date is typically 12 months from the date it was issued.

​​What to know about JetBlue travel credits

You’ll need to pay a $25 fee for any JetBlue flight reservation changed or canceled over the phone or through chat. However, you can save this $25 per person fee by making your own itinerary adjustments on JetBlue’s website.

If you don’t want to use your credits on yourself, you don’t have to. JetBlue travel credits can be used to book a reservation for a friend or family member, and you don’t have to be traveling with them.

Sure, JetBlue travel credits are not as good as a full JetBlue refund . But considering that most canceled JetBlue airfares can net you a future flight credit with no cancellation fee, that’s a pretty swell deal.

How to maximize your rewards

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

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

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

on Capital One's website

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

75,000 Enjoy 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.

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• Payment options

Travel credit

Understanding travel credit options.

We offer different types of travel credit: Trip Credit, Flight Credit, and Travel Vouchers. Each type of travel credit has its own terms and conditions, so be sure to read them carefully before redeeming your credit. Keep in mind, travel credits can only be used to book flights, and can’t be used to pay for extras like seats or bags.

Extended Trip Credit

For Trip Credit issued on or after April 2, 2024, AAdvantage ® members have 12 months to use their Trip Credit when canceling their trip on aa.com or the American app and their AAdvantage ® number is included in their reservation. Non-AAdvantage ® members have 6 months.

Types of travel credit

*Can’t be used for extras like seats or bags.

**For Trip Credit issued on or after April 2, 2024, AAdvantage® members have 12 months to use their Trip Credit when canceling their trip on aa.com or the American app and their AAdvantage® number is included in their reservation. Non-AAdvantage® members have 6 months.

***When booked on aa.com, Flight Credit can only be applied to flights within the U.S., Puerto Rico, and the U.S. Virgin Islands. (U.S. currency only)

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Book a trip with your Trip Credit

Find your trip to use your Flight Credit

• Contact Reservations

If you received a travel credit, you can use it to book your next trip. Here's how to find and redeem your Trip Credit and Flight Credit.

Trip Credit

If you're an AAdvantage ® member, most Trip Credits will appear in your AAdvantage ® account.

Log in to your account

Step 1: Find your Trip Credit email

• Look for an email from American Airlines with the subject line ‘Your Trip Credit.’
• Your Trip Credit number is a 13-digit number that begins with ‘00115.’

Keep in mind there are separate ticket numbers for add-ons like seats, upgrades, and bags.

Step 2: Book and add your Trip Credit

• Go to aa.com and book your new flight.
• On the payment screen, select ‘Trip Credit.’
• Follow the prompts to pay using your Trip Credit.
• You may use a credit card to pay any remaining balance.

Flight Credit

If you're an AAdvantage ® member and had your account number listed in your reservation before cancellation, you can log in to your account and view available Flight Credit in your AAdvantage ® account.

Step 1: Find your canceled trip or confirmation email

• You'll need your 6-character confirmation code and 13-digit ticket number.
• American tickets have a 13-digit number that begins with '001'.

Step 2: View your canceled trip

• Go to aa.com and choose ‘Manage trips / Check-in’
• Choose ‘View canceled trips’ and enter your trip details.
• You’ll find your Flight Credit details on the ‘Your trip’ page.

Step 3: Rebook and add Flight Credit

• Go to aa.com and find your new flight.
• On the payment screen, choose ‘Add Flight Credit.’
• Enter the ticket number from your canceled trip and apply the credit.

Book a trip with your Flight Credit

General rules

• Trip Credit is non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and has no implied warranties, including warranties of merchantability or fitness.
• Trip Credit is void if bought, sold or bartered, advertised for sale or used for commercial or promotional purposes.
• We won’t replace Trip Credit if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your Trip Credit number. Please guard the Trip Credit number as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any Trip Credit mistakenly issued in an incorrect denomination or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.

Expiration and validity

• Valid until 11:59 p.m. (CT) on the date listed on the Trip Credit, and we won't reissue it past the expiration date.
• We won't accept invalid or expired Trip Credit.
• We won’t accept Trip Credit with an invalid number or if we are unable to locate it within the American Airlines systems.
• To receive Trip Credit, your original ticket must be canceled before the departure of the first flight (or the ticket loses any remaining value and cannot be used for future travel).

Redemption and usage

• You may redeem Trip Credit on aa.com or by contacting Reservations. Trip Credit is not redeemable through any other channels, including airport ticket counters or travel agencies.
• When contacting Reservations, tell the agent you have Trip Credit and you want to use it to book your travel.
• Trip Credit is redeemable toward air travel on flights operated by American, American Eagle ® or flights marketed by American (designated with an AA*). You can’t use Trip Credit for payment of air travel on any other airline on aa.com.
• Contact Reservations to use Trip Credit for qualifying one world ® or other airline partner itineraries.
• Trip Credit is redeemable toward the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may not use Trip Credit for products and / or services sold separate from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ or any other non-flight products and / or services sold by American.
• You may only use non-taxable Trip Credit for single-passenger reservations on aa.com.
• Contact Reservations to use Trip Credit for more than 9 passengers.
• The recipient of Trip Credit can use it to pay for travel for themselves or others.
• You may redeem up to 8 Trip Credits in a single transaction on aa.com or through Reservations.
• If the ticket price is greater than the value of the Trip Credit, you may pay the difference only with a credit card accepted by American.
• If the ticket price is less than the value of the Trip Credit, we’ll issue any remaining value on a new Trip Credit, delivered via email to the passenger ticketed on the Trip Credit redemption. You may choose to have the new Trip Credit email sent to your email address and then use the remaining value on a new reservation for yourself or someone else.
• You may not combine Trip Credit with the value of an existing ticket to pay for a new ticket.
• Flight Credit is non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and has no implied warranties, including warranties of merchantability or fitness.
• Flight Credit is void if bought, sold or bartered, advertised for sale or used for commercial or promotional purposes.
• We won’t replace Flight Credit if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your Flight Credit number. Please guard the Flight Credit number as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any Flight Credit mistakenly issued in an incorrect denomination or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.
• Flight Credit is valid for 1 year from the date the ticket was issued. We will not extend or reissue once it expires.
• If you don't show for your flight, your ticket will no longer be valid or eligible for any credit.
• We won't accept invalid or expired Flight Credit.
• You may redeem Flight Credit on aa.com, in person at the airport or by contacting Reservations.
• When contacting Reservations, tell the agent you have Flight Credit and you want to use it to book your travel.
• The recipient of Flight Credit can use it to pay for travel for themselves only.
• Flight Credit is redeemable toward air travel on flights marketed and operated by American, by American Eagle ® carriers or on flights marketed and sold by American but operated by one of American’s codeshare or one world ® partners (i.e. flights designated with an AA*).
• Flight Credit is redeemable toward initial booking, the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may only redeem 1 Flight Credit for single-passenger trips on aa.com or through Reservations. In order to redeem up to 2 Flight Credits in a single transaction, you must contact Reservations.
• If the ticket price is greater than the value of the Flight Credit, you may pay the difference only with a credit card accepted by American.
• If the ticket price is less than the value of the Flight Credit, you can only use the value of Flight Credit needed for the current booking while remaining value will be issued as travel credit for future reservations.
• You may not use Flight Credit for products and / or services sold separately from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ products or services or any other non-flight products and / or services sold by American.

Electronic travel voucher terms and conditions

• eVouchers are provided for U.S. customers only.
• eVouchers are non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and have no implied warranties, including warranties of merchantability or fitness.
• eVouchers are void if bought, sold or bartered, advertised for sale, or used for commercial or promotional purposes.
• We won’t replace eVouchers if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your eVoucher number. Please guard the eVoucher number and PIN as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any eVouchers mistakenly issued in an incorrect denomination, or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.
• eVouchers are valid for 1 year from the date of issue, and we won’t reissue them past the expiration date.
• We’re not responsible for honoring invalid or expired eVouchers.
• We won’t accept an eVoucher with an invalid number or if we are unable to locate it within the American Airlines systems.
• You may redeem eVouchers only on aa.com or by contacting Reservations. eVouchers are not redeemable through any other channels, including airport ticket counters or travel agencies.
• eVouchers are redeemable toward air travel on flights operated by American, American Eagle ® , one world ® partners or on flights marketed by American (designated with an AA*). You can’t use eVouchers for payment of air travel on any other airline.
• Flights sold or originating outside the U.S., Puerto Rico or U.S. Virgin Islands or operated by other carriers are not eligible.
• eVouchers are redeemable toward the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may not use eVouchers for products and / or services sold separate from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ or any other non-flight products and / or services sold by American.
• The eVoucher recipient can use it to pay for travel for themselves or others.
• You may redeem up to 8 eVouchers in a single transaction.
• If the ticket price is greater than the value of the eVoucher(s), you may only pay the difference with a credit, debit or charge card with a billing address in the U.S., Puerto Rico or U.S. Virgin Islands.
• If the ticket price is less than the value of the eVoucher(s), the unused amount will remain on the eVoucher until it reaches zero, at which time the eVoucher will be deactivated.
• You may not combine eVouchers with the value of an existing ticket to pay for a new ticket.

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The Ultimate Guide to Picking the Best Travel Credit Card

Last Updated: May 10, 2024

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

Here in the US — as well as much of Europe — cash is no longer king. Credit cards have stolen that title and are used by people to pay for everything from new cars to a pack of gum.

We love credit cards in the US. You see ads for them plastered all over cities, TV, and online. Your bank likely calls and emails you with credit card offers all the time too. I can’t count how many unsolicited card offers I get in the mail — and no matter how often I say stop sending them to me, they continue like a deluge!

These days, there are HUNDREDS of travel rewards credit cards. With so many cards to choose from, it’s hard to know which ones are actually good for travel and which are not worth your time.

It can be especially confusing trying to navigate all the welcome offers, loyalty programs, perks, offers, arcane rules, and hidden fees of credit cards.

It’s so complex most people just pick the first one they see and call it a day. Or, even worse, they just give up and use a debit card instead!

Don’t be like them.

Be a better and smarter traveler.

Travel credit cards are an incredible tool you can use to earn free flights, travel perks, and hotel stays — and all without spending extra money.

Sound too good to be true? Don’t worry, it’s not.

In this article, I am going to tell you how to easily pick the best credit card for travel so you can maximize your points and earn free travel — because it’s a lot easier than you think!

Quick Overview: The Best Travel Rewards Cards

Don’t want to read this entire post? Fine. I get it. Time is important! So here’s my quick list of favorites by category!

For more details on each card, click here to jump ahead to our comparison chart .

Travel credit cards offer a great opportunity to earn free points that can be redeemed for airfares, hotels, or cold hard cash. In the race to get customers, credit card issuing companies partner with various travel brands (or just simply offer their own card) that entice consumers with a welcome offer, loyalty points, special discounts, and more.

Their desire to get you, the consumer, is really your gain. By milking the system, you can get tons of free air tickets, hotel rooms, and vacations, or choose to get cash back.

I’ve accumulated close to one million points through welcome offers alone . I get so many points each year; it would take an entire book to just list them off to you.

And, as long as you can pay your credit card off each month, you’ll be able to accrue points and miles that you can redeem for free travel.

The tricky part is finding the card that works for you, your travel goals, and your budget.

So how do you pick the best travel-related credit card? Here’s how:

Table of Contents

• Know There is No Perfect Card
• 5 Things to Look for in a Rewards Credit Card
• Will This Hurt Your Credit?

What If You Have Poor Credit?

The best travel rewards credit cards, step 1: know there is no perfect card.

The first thing you need to know is that there is no perfect travel card. Every card offers different benefits that will fit different lifestyles, budgets, and travel goals.

I use an AMEX card for booking flights, card_name for my everyday spending, a different Chase card for my phone bills, and a card_name for my business expenses! I have friends who only want cash back and others who only want United miles.

There is no perfect card. There is only the perfect card for YOU !

Start off by asking yourself, “what is my goal?”

Are you interested in loyalty to a brand, free rewards, or avoiding fees? Do you want to milk the rewards and welcome offers to get free flights or do you just want a card that won’t charge you a fee for using it at that restaurant in Brazil?

Is elite status the most important perk for you? Do you want points you can use for anything, like cash?

If you just want points to spend wherever you choose, get a card with transferable points, such as a Chase, American Express, Capital One, Bilt, or Citi card. These valuable points can be transferred multiple airlines or hotel partners and used to book travel directly through their sites.

Just want free hotel rooms? Sign up for hotel cards .

Want points that can be used like cash? Get a card_name .

Personally, I dislike Hilton and never fly United so I don’t waste time getting their points.

I don’t like cashback cards because I travel so often that points — not cashback — are more useful for me.

Using credit cards that get me airline miles or that have good transfer bonuses to airline programs is what I go for.

Find your goal and then find the cards that match your goal as well as your spending habits. By first focusing on what you want, you can maximize your short-term goals as you get the hang of how it all works.  

Step 2: 5 Really Important Things to Look for in a Travel Rewards Credit Card

Comparing credit cards can be a little overwhelming. To help you stay focused and ensure you get the best card for you and your goals, here are the six things I look for in a new card:

1. A huge welcome offer — The best travel cards offer you a sizable introductory offer. You’ll need to meet a minimum spending requirement (usually within the first few months) but it will be these welcome points that jump-start your mileage account and get you closer to a free flight or hotel stay.

Sometimes these offers are even big enough to get you a few free flights right off the bat! Don’t sign up for a card unless it offers a high welcome offer.

As a general guide, welcome offers work like this: in order to receive the large introductory offer, you must make either a single purchase or meet a minimum spending threshold in a certain time frame (i.e. spend $3,000 within three months). After that, depending on the card, you can earn 1-5x points per dollar spent.

Typical travel credit card welcome offers range between 40,000 to 60,000 points, though sometimes they can be as high as 100,000. That’s why cards are so great—you get an instant balance of thousands of points for very little work.

If you’re not sure you’ll be able to make the minimum threshold for the welcome offer, ask around to see if any friends or family are planning a large purchase. If they’ll let you put it on your card (and then pay you with cash) you can easily meet the minimum spend threshold to earn your welcome points.

2. Low spending minimum — Unfortunately, in order to get the great bonuses these cards offer, there is usually a required spending minimum. While there are ways to temporarily boost your spending, it’s best to be able to get the bonus using normal day-to-day spending. I typically sign up for cards with a minimum spending requirement of $1,000–3,000 USD in a three- to six-month period.

While you shouldn’t necessarily avoid high-minimum spending cards as they have substantial rewards, it’s a good idea to start small because you don’t want to get stuck with so many cards that you can’t meet the minimum spend. Only apply for cards that you can meet the minimum spend on to qualify for the welcome bonus.

Managing your ability to meet the minimum spending requirements is key because if you are spending more money than you usually do just to get these points, the points are no longer free. Only spend what you normally would and not a penny more.

If you’re looking for ways to meet your minimum spending requirements, check out my guide for some clever ways .

3. Added category spending bonus — Most credit cards offer one point for every dollar spent. However, good credit cards will give you extra points when you shop at specific retailers, or, if it is a branded credit card, with a particular brand. This will help you earn points much more quickly.

I don’t want one dollar to equal just one point. I want the ability to get two or three points every time I spend a dollar.

For example, some cards give you 3x points for travel and dining at restaurants, while others give 5x points on airfare. I can get added points when I use co-branded card to book with that company (i.e. Delta flights with a Delta card).

That’s what you want. Never accept one point per dollar spent. Look for at least two. (Some cards even offer up to 6 points per dollar spent.)

Otherwise, it will take way too long to accumulate enough points for free travel.

4. Have special travel perks – All of these travel credit cards offer great perks. Many will give you a special elite loyalty status or other extra perks. Here are the perks I prioritize:

• No foreign transaction fees
• Free checked baggage
• Priority boarding
• Free hotel stays
• Lounge access

Using travel credit cards is not just about just getting points and miles, it’s about what else comes with these cards that make my life easier!

5. Low annual fees – No one likes paying annual fees for credit cards. Many of the fees for company branded credit cards range from $50-$95 per year. For those who travel a lot and fly a lot, I think it is worth it to get a card with a fee.

Fee-based cards tend to give you a better rewards scheme, where you can accumulate points faster, get better access to services and special offers, and get better travel protection. With these cards, I have saved more money on travel than I have spent on fees.

That said, some of the premium cards that have fees of $500 or more a year are always worth it the first year since you get the sign-up bonus and, if you use the card benefits a lot, can be worth it in subsequent years too. Do the math because if you’re getting double the value from the card, a $500 yearly fee card is worth it then!

6. No foreign transaction fees – Credit cards are great to use when you are overseas because you get the best possible exchange rate from them but if you are paying a fee every time you use the card, then it doesn’t become as good. Nowadays there are so many cards offering no foreign transaction fees that you should never, ever, ever get a credit card with a foreign transaction fee. NEVER!  

Does Opening A Lot of Credit Cards Hurt My Credit?

While it’s true that opening and closing a lot of credit cards at once can hurt your credit, applying for a few credit cards over a period of time won’t kill your credit score. Your credit score will slightly dip every time there is an inquiry into whether that is a credit card or home loan or car loan. It’s how the system is set up.

But so long as you space out your applications and pay your bills each month, you won’t find any long-term damages to your credit. Your credit rating rises over time as long as you maintain it. You aren’t going to have a bank officer tell you years from now, “Sorry, because you canceled three credit cards in 2020, your loan is denied.”

I once cancelled four credit cards in one day and the impact on my score? Nothing.

I currently have a few dozen credit cards, a credit score of 825, and have been approved for a mortgage. Having lots of credit actually helps your credit score because you improve your debt to credit ratio. This is the most important factor in your credit score. If you keep your balances low and have a lot of available credit, you look like less of a credit risk to banks and your score goes up!

So, as long as you’re paying your monthly balances and spreading out your credit card applications, you’ll be fine. Unless you’re planning to make a big purchase in the near future (like a house or a car), you don’t need to worry about the small dip your credit rating might take.

Many travel rewards cards are only available to those with a high credit score, and if you have a low score (650 or less), you may find yourself being declined often and limited in your options.

There’s no magic bullet to suddenly fixing your credit score. If you have a low credit score, you need to build it back up. There are ways to do that and point-earning cards that can get you there.

Here are five ways to improve your credit score:

• Go to AnnualCreditReport.com and get a free copy of your credit report. This site lets you know what your credit score is so you can see what areas you need to work on.
• Dispute any incorrect information on your credit report with the credit reporting agencies (Experian, Equifax, and Transunion). Don’t let mistakes bring you down.
• Get a secured credit card. These cards require you to put down a cash deposit, think of it like a pre-paid credit card (or a credit-card-in-training). If you decide to put $500 USD in your secured credit card, you can use up to $500 USD each month and then pay it off. Spending and paying off your balance in full each month is a good way to build up your trustworthiness. A good secured card will have automatic reporting to the three major credit bureaus. This will help you build a good credit history and increase your score. Check with your local bank or any credit card issuer to see what they offer, or check out this list of the best credit cards for bad credit . Over time, you can raise the limit and this will raise your score allowing you to move to a regular credit card.
• Become an additional cardholder (authorized user) on the card of someone else with good credit. Essentially, this is like if that person was vouching for you. It can instantly improve your credit score. Warning: Your missed payments will also appear on their account, so don’t add someone or have someone add you if they aren’t on top of their finances. This works both ways!
• Pay all current bills on time and don’t get into more debt. Additionally, move any existing debt to low- or zero-interest cards.

Credit scores improve over time but they don’t take forever — and you don’t need to be debt-free to make it happen. A few smart months of money management and you’ll see your score rise.

All financial institutions have products for people with poor credit. Moreover, ask your local credit union if they have any prepaid cards. Get them and constantly work at it. If you’re passive, it won’t improve, but if you push the banks and prove you’re not a risk, you’ll soon be getting the good cards that include better offers!

You may not get the best deals or cards right away, but you will eventually. It just takes time.  

With so many credit cards to choose from, which ones do you pick? Well, the short answer is all of them. Grab as many as you can. Why put a limit on how many points you can get?

Getting a travel credit card is simple and easy to do when you follow the steps above. Once you know your goal, you can easily find the card that matches the goal and the perks you want. Don’t leave money on the table! Get a card, collect points, save money when you travel, and learn to travel for free!  

Want More? Learn How to Travel for FREE with My Book!

• How to spot and get the best earning cards
• How to master the ins and outs of loyalty programs
• How to maximize your everyday spending for bonus points
• The secret art of earning points for free
• How to always find an award flight or hotel room
• Where to discover the best travel deals
• The tools and resources travelers use to unlock secret fares and deals
• Step-by-step cheat sheets

  Advertiser Disclosure: “Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.”

Editorial Disclosure: “Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.”

For rates and fees of the American Express® Gold Card, please visit this page.

For rates and fees of the Business Platinum Card® from American Express, please visit this page.

For rates and fees of the Delta SkyMiles® Gold American Express card, See Rates and Fees .

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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Best travel credit cards of June 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.

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• • Travel credit cards

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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We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

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 helped over 150,000 users compare travel cards in 2023

We evaluated and compared over 40 travel rewards perks

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Bankrate's Best Travel Credit Cards of June 2024

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

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.

0 ? 'Showing ' + filterMatchedProductTiles + ' results' : ' '">

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Card categories

Best starter travel card

Chase Sapphire Preferred® Card

Bankrate score

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

Intro offer

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

60,000 bonus points

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

Rewards rate

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

Regular APR

21.49% - 28.49% Variable

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

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

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

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

Earn 75,000 miles

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

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

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

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

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

Best for luxury travel

The Platinum Card® from American Express

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

Earn 80,000 points

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

See Pay Over Time APR

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

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

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

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

20,000 miles

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

1.25 Miles - 5 Miles

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

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

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

Best for foodies

American Express® Gold Card

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

Earn 60,000 Membership Rewards® Points

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

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

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

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

Best for everyday spending

Citi Strata Premier℠ Card

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

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

21.24% - 29.24% (Variable)

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

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

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

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

25,000 points

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

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

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

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

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

Best for point values

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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

22.49% - 29.49% Variable

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

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

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Capital One Venture X Rewards Credit Card

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

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

2 Miles - 10 Miles

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

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

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

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

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.

20.49% - 29.24% Variable

• 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

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

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

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

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

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

21.24%, 26.24%, or 29.99% Variable APR

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

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

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

Best no-annual-fee hotel card

Hilton Honors American Express Card

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

Earn 70,000 points

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

20.99%-29.99% Variable

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

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

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

Best for luxury hotel perks

Marriott Bonvoy Brilliant® American Express® Card

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

Earn 95,000 Marriott Bonvoy bonus points

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

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

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

Best for transfer partners

Bilt Mastercard®

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

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

1X Points - 3X Points

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

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

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

Best for gas

Wells Fargo Autograph℠ Card

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

20,000 bonus points

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

20.24%, 25.24%, or 29.99% Variable APR

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

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

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

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

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

Earn 85,000 miles

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

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

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

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

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

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

Earn 85,000 points

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

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

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

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

Best for savers

Bank of America® Premium Rewards® credit card

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

60,000 points

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

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

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

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

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

Best for first-year value

Discover it® Miles

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

Discover Match®

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

18.24% - 28.24% Variable APR

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

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

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

Best for fair credit

Credit One Bank Wander® Card

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

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

29.74% Variable

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

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

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

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

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

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

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

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

Pros and cons of travel credit cards

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

Tips on choosing the best travel credit card for you

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

How to choose a travel credit card

1. know how you prefer to travel.

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

2. Prioritize redemption value

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

3. Match your card to your spending habits

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

4. Note what's worth the extra money

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

5. Look toward your next trip abroad

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

Co-branded travel cards vs. general travel cards

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

• Co-branded cards
• General travel cards

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

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

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

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

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

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

Who should get a travel credit card?

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

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

Frequent travelers

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

Travel beginners

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

Brand loyalists

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

Business travelers

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

International travelers

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

Luxury travelers

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

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

Here’s how a Bankrate editor chose his travel card

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

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

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

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

Travel insurance

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

Travel credits

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

In-flight perks

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

Free hotel award nights

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

Airport lounge access

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

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

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

What people say about travel credit cards perks

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

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

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

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

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

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

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

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

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

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

What are your points and miles worth?

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

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

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

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

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

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

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

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

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

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

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

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

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

When to use rewards vs. cash

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

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

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

Bankrate experts share their advice on using travel credit cards

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

Combine cards to maximize rewards

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

Expert Insight:

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

Maximize your rewards value with transfer partners and issuer travel

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

Expert Insight

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

Make the most of your travel perks

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

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

Plan for the sign-up bonus

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

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

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

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

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

Track your spending and rewards each account statement

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

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

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

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

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

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

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

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

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

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

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

• Flexibility 15%
• Customer experience 5%

Great rewards value

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

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

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

This includes the following spending by category:

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

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

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

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

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

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

Reasonable rates and fees

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

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

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

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

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

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

Redemption flexibility

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

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

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

Valuable perks

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

We break down these tiers as follows:

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

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

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

More information on travel credit cards

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

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

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

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

Do travel miles or points expire?

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

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

Are points or miles better on a credit card?

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

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

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

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

Contributor, Personal Finance

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

Contributor, Credit Cards

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

Article sources

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

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

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

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

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

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

These are the airlines giving customers more time to use travel vouchers

Although the darkest days of the coronavirus pandemic are hopefully behind us, some airlines have continued to extend unused travel vouchers through 2023. But this doesn't span the entire industry, with some opting to keep 2022 expiration dates on some unused airline certificates.

So of eight major U.S. airlines, which airlines give customers the most flexibility in using their travel vouchers? Let's take a look.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

Bottom line

Delta and United are making the most customer-friendly changes to voucher validity. These two airlines are giving customers through 2023 to use travel vouchers, regardless of when they purchased their ticket.

Although many of us have already been able to redeem our vouchers, it would be nice to see other airlines follow Delta and United's lead to give customers peace of mind.

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Credit cards

Best travel credit cards of June 2024

Robin Saks Frankel

Grace Pilling

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 12:58 p.m. UTC June 5, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The best credit cards for travel set themselves apart from other credit cards by offering an array of benefits that make it easier and more rewarding to explore the world. These travel credit card offerings provide generous rewards and perks tailored to the needs of those on the go.

We analyzed all of the available options in this category, from issuers both large and small, to curate a list of the very best travel credit cards of 2024. Here are our selections.

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The Platinum Card® from American Express

Welcome bonus

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

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best travel credit cards

• Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best credit card for travel.
• IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best hotel card.
• Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best cobranded airline card.
• The Platinum Card® from American Express : Best for airport lounge access.
• Capital One Venture Rewards Credit Card *: Best for simple redemption process.
• Chase Sapphire Preferred® Card : Best for high value with a low annual fee.
• Chase Sapphire Reserve® : Best for increased redemption value.
• Wells Fargo Autograph Journey℠ Visa® Card *: Best for high rewards on all types of travel.
• American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best for high rewards on travel and dining.
• Bilt World Elite Mastercard® : Best travel credit card for renters.

All information about American Express® Green Card has been collected independently by Blueprint.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 85+ cards analyzed.
• 20+ data points analyzed.
• 5-step fact-checking process.

Best credit card for travel

Capital one venture x rewards credit card.

The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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.

• High reward potential.
• Wide selection of statement credits.
• No foreign transaction fees.
• No hotel or airline-specific benefits.
• Requires excellent credit.
• High annual fee.
• Annual fee: $395.
• Rewards: 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
• Welcome bonus: 75,000 miles after spending $4,000 on purchases in the first three months of account opening.
• APR: 19.99% to 29.99% variable APR on purchases and balance transfers .
• Other perks and benefits: No foreign transaction fees, 10,000 mile card ownership anniversary bonus, $300 annual credit reimbursement for travel bookings made through Capital One Travel, $100 Global Entry or TSA PreCheck application reimbursement credit, airport lounge access benefits, cellphone protection benefit, transfer miles to travel and hotel partners, Hertz President’s Circle Status.

Best hotel card

Ihg one rewards premier credit card.

The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

• Earn up to 26 total points per $1 spent at IHG hotels.
• Free night after your account anniversary each year.
• Redeem three nights, get a fourth consecutive night free.
• $99 annual fee.
• Value per point may be low compared to competing hotel chains.
• Potentially high APR.
• Annual fee: $99.
• Rewards: Earn 10 points per $1 at IHG Hotels and Resorts, another 10 points per $1 as an IHG One Rewards member, 6 points per $1 from IHG with Platinum Elite Status (a benefit of this card), 5 points per $1 on travel, dining and gas stations and 3 points per $1 on all other purchases.
• Welcome bonus: Earn 140,000 points after spending $3,000 on purchases in the first three months of account opening.
• APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies .
• Foreign transaction fees: None.
• Perks and benefits: Free night after your account anniversary, redeem three award nights and get a fourth consecutive night free, automatic Platinum Elite status, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, credit of up to $100 to reimburse Global Entry, TSA PreCheck or NEXUS.

Best cobranded airline card

Aeroplan® credit card.

The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

• Ability to spend your way to elite status is rare for a card at the $95 price point.
• Generous rewards on everyday spending categories.
• Discounts on award tickets.
• Aeroplan charges high redemption rates on some award tickets compared to other Star Alliance carrier rates.
• The annual fee may be hard to justify for those who don’t regularly fly Aeroplan to take advantage of the airline-specific perks.
• Annual fee: $95.
• Rewards: 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
• Welcome offer: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
• APR: 21.74% to 28.74% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
• Foreign transaction fees: $0.
• Perks and benefits: Aeroplan 25K status through the rest of the calendar year and next. Maintain status with $15,000 spent in a calendar year. Existing status holders can upgrade to 35K status with $50,000 in spending per calendar year, first checked bag free for cardmember and up to eight travel companions, $100 Global Entry, TSA Precheck or NEXUS application fee credit every four years, preferred pricing on award flights, trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, secondary auto rental collision damage waiver, purchase protection.

Best for airport lounge access

Best for simple redemption process, capital one venture rewards credit card.

The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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.

• Decent value for the annual fee.
• Worthwhile collection of perks and travel protections.
• $95 annual fee.
• No low introductory APR period.
• Rewards: 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.
• Other perks and benefits: No foreign transaction fees, up to $100 credit towards Global Entry or TSA Precheck application fee, auto rental collision damage waiver, travel accident insurance, extended warranty benefit, transfer miles to eligible loyalty programs.

Best for high value with a low annual fee

Chase sapphire preferred® card.

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℠.

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best for increased redemption value

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℠.

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel℠.
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for high rewards on all types of travel

Wells fargo autograph journey℠ visa® card.

The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

60,000 bonus rewards points after spending $4,000 in the first three months

• Rewards: 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
• Welcome bonus: 60,000 points after spending $4,000 in purchases in the first three months of account opening.
• APR: 21.24%, 26.24%, or 29.99% variable APR on purchases and balance transfers. An intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies for 120 days from account opening. After that, a fee of up to 5% for each balance transfer, with a minimum of $5, applies.
• Foreign transaction fee: None.

Best for high rewards on travel and dining

American express® green card.

The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.

• Lower annual fee than some comparable cards.
• Credits for CLEAR® Plus membership and airport lounges.
• Fewer perks than more premium travel cards.
• Complex rewards structure.
• Some reward redemptions are a poor value.
• Annual fee: $150.
• Rewards: 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases. Welcome bonus: 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.
• APR: See terms for Pay Over Time eligibility and program details.
• Perks and benefits: Up to $100 LoungeBuddy statement credit, up to $189 CLEAR® Plus statement credit and additional travel protections.

Best travel credit card for renters

• Bilt World Elite Mastercard®

• Earns rewards on rent payments.
• No transaction fee for paying rent by credit card.
• No annual fee or Foreign Currency Conversion Fee.
• You must make five transactions per billing period to earn rewards.
• No welcome bonus or intro APR period.
• Restrictive definition of what counts as a travel purchase.
• $0 annual fee
• Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
• Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
• Earn points when you make 5 transactions that post each statement period
• Cellular Telephone Protection
• Purchase Security (theft and damage protection)
• Concierge Service
• Lyft Credits
• No Foreign Currency Conversion Fee
• Rewards & benefits terms
• Select ‘Apply Now’ to learn more about the product features, terms, and conditions.

Compare the best credit cards for travel

Why it’s the best

The Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers great value with its lineup of travel credits, including a $300 annual credit reimbursement for travel bookings made through Capital One Travel — Capital One’s online travel agency. If fully maximized it can negate much of the card’s $395 annual fee. Plus, the card earns a 10,000-mile anniversary bonus each year. For a premium card, the Venture X is priced well below its peers.

• Comes with airport lounge access.
• Miles earned on the card can be transferred to multiple travel partners.
• Elite rental status with Hertz¹.
• The travel credit is only for bookings made through Capital One.
• Redeeming your earnings for cash is a poor value.
• There’s a sizable annual fee.

Card details:

• Rewards: Earn 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
• Welcome bonus: Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.

The IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns rewards at a rapid pace, thanks to the automatic Platinum elite status granted to cardholders. The status, combined with the rewards earned from using the card at eligible IHG stays can earn you up to a whopping 26 points per dollar, fast-tracking you to free nights faster than you can say “InterContinental Hotels Group.”

• Ultra-high rewards rate, especially on IHG spending.
• Card offers a free anniversary night.
• Robust travel protections and coverages.
• The free anniversary night is capped at 40,000 points.
• Points are relatively low value.
• Travel coverage does not include auto rental insurance.

The Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of just a small handful of airline credit cards to include elite status as a cardholder perk. The card also allows you to pay yourself back on eligible travel purchases at a rate of 1.25 cents per point, and Aeroplan miles can be used on more than 45 partner airlines, making it a must-have in the wallets of frequent globetrotters.

• Offers elite status for the remainder of the year and the full calendar year.
• Discounted pricing on reward flights.
• Free checked bag for you and up to 8 companions.
• Elite status isn’t an ongoing perk.
• Aeroplan doesn’t have U.S.-only flights.
• There’s an annual fee.
• Rewards: Earn 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
• Welcome bonus: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
• Foreign transaction fee: $0.

The Platinum Card® from American Express (terms apply, rates & fees ) offers the most widespread lounge access benefits of any card on the market. While the high price point may be prohibitive for some, consider that the card offers more than a $1,000 value in potential statement credits. Enrollment is required for select benefits.

• Expansive airport lounge access.
• Up to $200 in Uber Cash annually, up to $200 airline incidental fee statement credit per calendar year (applicable to one qualifying airline of your choice) and an up to $240 digital entertainment statement credit. Enrollment required.
• Hotel and rental car elite status with several brands.
• Sky-high annual fee.
• Statement credits can be hard to fully maximize.
• Rewards rate is mediocre outside of flights and travel booked through Amex.
• Annual fee: $695.
• Rewards: Earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
• Welcome bonus: Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases in the first six months of card membership.

The Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an easy-to-use travel rewards card with a soft-on-the-wallet price. You can use your miles to book travel through Capital One, redeem them to cover a past travel purchase or transfer them to Capital One’s 15+ travel loyalty partners.

• It’s easy to understand both earning the rewards and how to use them.
• Application fee reimbursement for TSA PreCheck or Global Entry (up to $100).
• Get Hertz Five Star rental card elite status¹.
• No lounge access.
• The highest rewards rate is for bookings through Capital One Travel.
• Other cards may offer even higher rewards in areas where you spend the most.
• Rewards: Earn 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.

The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. It’s an excellent choice for both frequent and aspiring travelers looking to maximize their everyday spending. Plus, rewards on this card are worth 25% more when redeemed for travel through Chase Travel℠. You’d be hard-pressed to find another travel card that packs more punch in an affordable package.

• Annual bonus point award equal to 10% of total purchases made in the past year.
• Can transfer points 1:1 to Chase’s travel loyalty partners.
• Extensive travel and purchase protections including primary auto rental coverage.
• Lacks airport lounge access and hotel elite status.
• Rewards are worth less than a penny per point when not used for travel redemptions.
• Hotel bookings made through Chase aren’t eligible for elite loyalty benefits.
• Rewards: Earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
• Welcome bonus: Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

The Chase Sapphire Reserve® ‘s $550 annual fee can be offset by a slew of benefits. Plus, the Chase Ultimate Rewards® points earned on this card can be redeemed at a 50% increase in value when used to book travel through Chase Travel. So for example, 100,000 points on this card can be redeemed for $1,500 worth of travel booked through the issuer , helping you stretch the value of your rewards even further.

• Up to $300 annual travel credit good for a wide variety of travel expenses.
• Access to airport lounges via Chase Sapphire Lounges and the Priority Pass Select network (enrollment required).
• 1:1 points transfer to a long list of airline and hotel loyalty program partners.
• The annual fee may be hard to swallow for some, even with the potential credits.
• You’ll need excellent credit to be approved for the card.
• Low rewards rate on everyday expenses like groceries and gas.
• Annual fee: $550, plus $75 per authorized user.
• Rewards: Earn 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.

The Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers fantastic rewards across all things travel, without having to pledge loyalty to a specific brand or book through the issuer. That makes it a unicorn among other travel cards that are either cobranded or require booking through the bank’s travel site.

• Ultra-high rewards on hotels with any brand and high rewards on airfare and other travel.
• Rewards can be pooled with other Wells Fargo cards.
• Robust travel protections cover your trip, baggage and cellphone protection.
• Limited number of travel transfer partners.
• Lacks lounge access and other elite perks like hotel or rental car status.
• Lackluster rewards on everyday spending categories like groceries and gas.
• Rewards: Earn 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
• Welcome bonus: Earn 60,000 points after spending $4,000 in purchases in the first three months of account opening.

The American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) may come with an annual fee slightly above its entry-level travel card peers, but its high rewards on travel and dining, plus the annual statement credits, can far outweigh that carrying cost.

• Earns generous rewards on a wide array of travel spending, plus dining too.
• Annual CLEAR ® Plus and LoungeBuddy credits are worth more than the annual fee. Enrollment required.
• Valuable travel insurances and protections.
• The LoungeBuddy credit may not be enough for frequent flyers.
• The annual fee is higher than competing travel cards.
• Redeeming your rewards for cash-back offers poor value for your points.
• Rewards: Earn 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases.
• Welcome bonus: Earn 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.

The Bilt World Elite Mastercard® is one-of-a-kind because you can earn rewards on paying rent without any additional transaction fees. Add in more than a dozen airline and hotel transfer partners, a long list of travel protections and other perks and this no-annual-fee card is one of the best travel cards on the market. You can even save up your Bilt Rewards toward a future down payment on a home.

• Points are worth 25% more on travel booked through Bilt.
• You can spend your way to elite status tiers, unlocking different benefits at each level.
• The issuer offers bonus rewards and other benefits on the first of every month.
• You have to use your card at least five times each statement period to earn rewards.
• No welcome offer for new cardholders.
• It’s best for renters as mortgage statements can’t be paid with the card.
• Annual fee: $0.
• Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
• Welcome bonus: None.
• Foreign currency conversion fee: None.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:

• Estimated annual earnings: 33%.
• Flexibility of rewards earned on the card: 10%.
• Booking flexibility with the card: 10%.
• Hotel earnings: 8%.
• Airline earnings: 8%.
• Annual fee: 5%.
• Free checked bag perk: 3%.
• Lounge access: 3%.
• Annual credits: 2%.
• Potential credits: 2%.
• Global Entry application fee reimbursement: 2%.
• TSA PreCheck application fee reimbursement: 2%.
• CLEAR Plus application fee reimbursement: 2%.
• Trip delay coverage: 2%.
• Trip cancellation coverage: 2%.
• Baggage delay coverage: 2%.
• Hotel elite status: 2%.
• Number of travel companions eligible for primary cardholder’s checked bag perk: 1%.
• Flight companion certificate with card ownership: 1%.

What is a travel credit card?

A travel credit card is a card that earns points or miles on your spending and usually offers the best redemption values when those rewards are used for travel. 

Generally, there are two types of travel rewards cards: 

• Cobranded cards: These earn a specific currency tied to an airline or hotel brand, like Delta SkyMiles or Hilton Honors points.
• Flexible cards: These earn “flexible” rewards, like American Express Membership Rewards or Citi ThankYou points, that can be used to book travel across several hotels and airlines.

Co-branded cards typically earn higher rewards for purchases made within the brand and general travel cards tend to earn rewards that can be redeemed for more types of travel.

How do travel credit cards work?

With a travel credit card, you’ll earn points or miles as you spend. When you’ve accumulated enough rewards, you can redeem them for flights, hotels and other travel expenses. Redemption options will vary depending on your card. Some issuers offer boosted redemption rates for booking through their travel portal, while others allow you to transfer points directly to airline and hotel partners or apply them as a statement credit to cover travel charges made with the card.

Many travel credit cards also come with perks for travelers, like a free checked bag for your flight, a free annual hotel night or a credit towards the application fee for a trusted traveler program like Global Entry or TSA PreCheck .

“Travel rewards cards are a great way to leverage personal and business card use and turn it into free airline tickets and hotel rooms. Be sure to choose a card that has rewards that are applicable to your preferred airline and hotel brands”, said John Ulzheimer, president of The Ulzheimer Group and nationally recognized credit expert.

Benefits of travel credit cards

Travel rewards credit cards offer a range of benefits to frequent and occasional travelers alike:

• Earn rewards for everyday spending. Use your travel credit card to pay for purchases you’d be making anyway and earn rewards you can use for travel.
• Lower the out-of-pocket cost of travel. Whether you use your points to pay for airfare, nights at a hotel or for a rental car, redeeming your earnings for travel can significantly reduce the cost of a trip.
• Receive free nights, checked bags and other perks. Many cobranded credit cards come with a free night perk or waive the fees for checking luggage, both of which can save you money and may be worth more than the cost of the card itself.
• Enjoy new travel experiences. Stories abound of people who have used their credit card rewards to take over-the-top luxury trips. Even if an overwater villa in the Maldives is not your thing, having enough points for a free flight or hotel may be enough incentive to nudge you towards taking a trip to a new city or to see family and friends in far-flung places.

What is Priority Pass and how does it work? Here’s everything you need to know about this airport lounge network

Who should get a travel credit card?

Most people can benefit from a travel credit card. Whether you’re a frequent traveler or are just looking for an occasional getaway, there’s likely a travel rewards card out there that can help you maximize your savings.

Consider how you like to travel and what you’re looking to achieve with a new travel card. Points and miles programs can be complex, and some travel credit cards require time and energy to get the most value. Other credit cards offer straightforward redemption as statement credits to offset a variety of travel spending you do directly with airlines, hotels and other travel services. Take time to plan how you would get the most out of a prospective rewards program and its transfer partners, or whether you’d be better off with a simpler approach.

Before you shell out a high annual fee for a perk-laden card, consider if the benefits it comes with are ones you’d actually use. In many cases, taking full advantage of statement credits, anniversary bonuses and other perks like free nights can more than offset the annual fee .

If you rarely travel and are considering saving up over a long period of time for a trip, keep in mind that rewards don’t earn interest. In fact, rewards often lose value over time and may even expire . It’s a general best practice not to sit on your rewards for too long.

Types of travel credit cards

Travel credit cards often provide a wide range of benefits, from travel and purchase protections to airfare and hotel redemptions.

Understanding the different types of travel rewards cards is the first step to finding the right card for you. There are several major types of travel credit cards:

Airline-specific cards 

The best airline credit cards offer exclusive discounts and rewards when you use them with a specific airline. Many also offer free companion tickets or priority boarding benefits. Examples of cobranded airline cards include: 

• Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Hotel-specific cards

These cards may give you access to exclusive discounts at certain hotel chains and resorts, as well as rewards to be redeemed for free nights or upgrades. Hotel loyalty status is a common benefit among the best hotel credit cards . Examples of cobranded hotel cards include: 

• IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Hilton Honors American Express Aspire Card * The information for the Hilton Honors American Express Aspire Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply)
• Marriott Bonvoy Brilliant® American Express® Card (terms apply)

All information about Hilton Honors American Express Aspire Card has been collected independently by Blueprint.

Flexible points cards

These cards allow you to earn points for every dollar spent that can be redeemed for flights, hotel stays, car rentals and other travel bookings. Major issuers often offer boosted earning or redemption rates when using their online travel booking portals. These cards may also allow you to transfer points to airline or hotel partners, providing the most flexibility when it comes to redemptions. Examples include:

• Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Sapphire Reserve®  

Flexible rewards vs. airline or hotel credit cards

For those who travel often but don’t have a particular brand loyalty, the best travel card is likely one that earns flexible rewards on every purchase. Flexible rewards are not tied to a specific airline or hotel loyalty program but rather to a card issuer’s travel agency redemption program. Chase Ultimate Rewards® and American Express Membership Rewards® are two examples, but Capital One offers Miles , Citi offers ThankYou® Points and other major issuers have similar reward programs.

Airline- and hotel-specific cards offer rewards tied to a loyalty program with the airline or hotel, and typically offer better value with that carrier or brand, but not as much flexibility with redemption options. Only apply for a card like this if you’re sure the brand is the one you want.

If you only take an occasional trip, then a more flexible reward card may be a better choice. 

Cash-back cards offer simpler reward redemptions and the rewards earned can still be used toward future trips or redeemed for gift cards or other rewards if travel remains a priority.

How to compare and choose the best travel rewards card

When it comes to choosing the right card for your needs, there are several factors to consider:

• What type of rewards do you want to earn? General points that can be used for travel expenses with different airlines and hotels are more flexible, but if you’re loyal to a particular travel brand you can earn their specific currency and enjoy elevated status and other perks.
• Does the card come with a good welcome bonus? Many cards offer a generous welcome bonus (sometimes called a sign-up bonus) when you spend a certain amount on purchases in the first few months of receiving the card. This can be an easy way to get an infusion of rewards when you first open your account — but when calculating a card’s value, remember the welcome bonus is a one-time deal. 
• Are you willing to pay the annual fee? Some cards have no annual fee, while others come with a hefty price tag but offer more generous rewards or benefits. Make sure you understand all the fees before making a decision so that you don’t end up paying for benefits you won’t actually use.
• Does it come with any additional benefits that offer value? Card perks such as travel insurance , airport lounge access or exclusive discounts and offers can help make your travel smoother and your card more cost effective.

Wondering how two top travel cards compare to each other? We break down the differences between the Capital One Venture X vs. the Chase Sapphire Reserve

Evaluating reward potential

“Something to keep in mind when it comes to earning travel rewards is that your mileage may vary. Often the best value redemptions will come when used for less-traveled destinations or off-peak travel times. And your rewards redemptions don’t have to be luxurious to be meaningful. Some of my most cherished memories have come from when I’ve used rewards to visit family and friends where the location was not the focus,” – Robin Saks Frankel, USA TODAY Blueprint lead editor credit cards

We evaluate the reward potential of travel rewards credit cards based on what we’d expect a household in the 50th percentile of wage earners to spend each year on a credit card. We gather these figures from government sources and other publicly available data. 

In a year, we expect a household might spend about $25,087 of this on a credit card. Of this credit card spending, we’d expect about $2,941 to be spent on overall travel — which breaks down as $1,188 spent on airfare, $868 spent on hotels and $885 spent on all other travel. For frequent travelers carrying high-annual-fee travel rewards cards — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which charges an annual fee of $395 — we expect about twice this much spending in the travel categories. 

The Capital One Venture X earns 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in annual expenses they are likely to be able to charge to a credit card. Here’s how our sample household would fare with the Capital One Venture X Card:

The cardholder in this example earns a grand total of 85,350 miles annually, which is worth $853.50 if used to book travel through Capital One or when eligible travel is booked elsewhere and you redeem your miles to cover the purchase. 

The right travel card can net you lucrative rewards. But make sure to select a card based on your spending and travel habits — the best card for travel will differ from person to person.

Tips for maximizing your travel credit card

There are several ways to get the most out of your travel credit card:

• Pay your bill on time every month and aim to pay it in full. If you carry a balance, the accumulated interest fees will likely be more than the value of any rewards earned on the card.
• Try to earn the card’s welcome bonus. Top travel cards offer outsized welcome bonuses for new cardholders who can meet a minimum spending requirement. Earning that bonus can give a nice boost to your rewards balance.
• Be aware of the perks your card offers. Many travel cards offer discounts or statement credits for travel-related spending, like a discount within a hotel collection, cellphone insurance or elite status within a brand. Knowing what your card comes with means you can fully maximize those benefits.
• Don’t sit on your rewards for too long. Unlike money in the bank, travel rewards do not earn interest and may actually be worth less over time. The value of your rewards is often tied to the cash price of travel and travel only tends to get more expensive year-over-year.

How to travel for cheaper with travel cards in 2024

New year, new travel possibilities. What’s more, it’s entirely possible to travel for cheaper by maximizing your credit card strategy with the right travel cards in hand. There are droves of rewards cards to choose from, so it can be hard to choose the right one for you.

Travel credit cards earn points or miles that can be redeemed for flights, hotels, rental cars and more, helping you subsidize the cost of your trip expenses. Beyond earning rewards, some cards even come with airport lounge access or credits to offset your Global Entry or TSA PreCheck application fee. 

For many travelers, a one-punch solution is the best fit. We’re talking about general travel credit cards , which earn rewards through a bank like American Express, Capital One, Chase, or Citi and don’t tie you to a specific airline or hotel program. Instead, the cardholder has the choice to redeem their earnings how they please toward any travel purchase.

Best places to travel with rewards in 2024 

While a European summer vacation never goes out of style, traveling during the shoulder season is the true winner. With fewer crowds, cheaper accommodations and pleasant weather, a fall trip to Portugal this year should be on your list.

If you’ve got travel rewards cards from American Express, Bilt, Capital One, Chase or Citi, you can transfer your points or miles over to the Air Canada Aeroplan program. You can book a business class flight from Miami (MIA) to Lisbon (LIS) in October 2024 for just 70,000 miles one way.

There’s so much to love about Costa Rica, from its lush jungles to the natural wildlife. Plus, this Central American country is quite accessible from many states in the U.S. With two main international airports — Liberia (LIR) and San José (SJO) — the toughest decision you’ll need to make is which part of Costa Rica to visit. 

Many major U.S. airlines fly to Costa Rica, so redeeming your rewards for a flight shouldn’t be too difficult depending on where your loyalty lies. For example, United Airlines offers a flight from Raleigh-Durham (RDU) to Liberia (LIR) with a layover in Houston (IAH). You’ll pay just 20,000 MileagePlus miles one-way — even during the peak winter season. 

One of the best ways to fly the whole family to Hawaii is by setting your sights on the British Airways Avios program. Earning points is a breeze: You can transfer your American Express Membership Rewards® , Bilt Rewards, Chase Ultimate Rewards®, Citi ThankYou® Points or Capital One Miles to this program at a simple 1:1 ratio.

Because British Airways is part of the Oneworld airline alliance, you can redeem your Avios for partner airlines like American Airlines and Alaska Airlines. Both of these carriers offer plenty of routes to the Aloha State. 

Nonstop routes are priced favorably for just 17,500 Avios plus $18.10 in taxes and fees for a one way flight from the West Coast. Depending on when you’re traveling, you may also be able to find multiple award seats per flight. This is great news for big families.

Alternatives to travel credit cards

Instead of earning points or miles, you might consider a cash-back credit card to get a percentage back on all your purchases. Cash-back cards are generally more straightforward than travel rewards programs — after all, a dollar is a dollar — and often come with no annual fees. 

If you’re not ready to commit to a travel rewards program or simply don’t travel enough to reap the full benefits of a travel credit card, a cash-back credit card is a great way to still earn rewards on spending. 

When it comes to choosing a cash-rewards card , you can keep it simple with a straightforward flat-rate card such as the Wells Fargo Active Cash® Card , which earns 2% cash rewards on purchases. 

Or you can pick a card with higher rewards rates in your biggest spending categories. The Blue Cash Preferred® Card from American Express (terms apply, rates & fees ) offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. The card has a $0 intro annual fee for the first year, then $95.

Additional reporting by Stella Shon

Frequently asked questions (FAQs)

There’s no one “best” card that’s right for everyone. The best travel card for you will depend on a combination of factors including how often you travel, how you travel, your tolerance for annual fees and what you’re looking for in a travel card.

Generally speaking, the best travel credit cards earn bonus category rewards on airfare, hotels, car rentals and even dining. These cards typically also offer bonus points or miles when you spend a certain amount within the first few months of opening the account. Some will also offer perks such as travel protections, elite status with an airline or hotel loyalty program , priority boarding and airport lounge access.

The exact credit score needed for a travel rewards credit card will vary depending on the issuer and the specific card. Generally, you will need at least a good credit score, typically from 670 to 739 on the FICO Score scale — to be approved for most travel rewards cards. However, some of the more premium cards may require an excellent credit score, typically defined as a FICO Score of 740 or higher.

The most rewarding travel rewards cards, including most of the cards on this list, are not likely to offer approval to anyone without a good or better credit score. Some issuers also have rules in place preventing you from applying for a credit card, travel or otherwise, if you’ve applied for a certain number of cards within a certain period of time. 

The best type of card for you will depend on your spending habits and your financial goals. If you’re a loyal frequent flyer with an airline, an airline rewards card might make the most sense. If you spend plentifully at a specific hotel brand, you may be better suited to a hotel credit card.

If you’re not sure, or you have a wider variety of needs, a card with flexible point currencies — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or Chase Sapphire Preferred Card — may be a better bet.

Finally, If you’re looking for a simple way to get cash back on everyday purchases, then a cash-back credit card may be the way to go. Ultimately, the best choice depends on your individual needs and preferences — and in some cases, you might have a pattern of spending that justifies having both in your wallet.

The exact value of a point or mile earned on a travel credit card will depend on the type of point or mile and how you redeem it. In most cases, you should look to get at least a penny per point of value.  Points values vary because many airline and hotel pricing structures are dynamic and will change based on demand. The points values tend to be somewhat fixed however and this can lead to redemption values worth more – or less – than 1 cent each. Transferring rewards to airline programs when allowed and redeeming for business and first-class seating can often yield greater values per point.

Yes, travel credit cards with annual fees are worth it if you make the most of what the card has to offer. While travel credit cards with annual fees aren’t necessarily worth it for everyone, they certainly can be if you know you’ll get more value from the rewards and benefits than you’ll pay to hold the card each year. Generally speaking, the higher the annual fee, the better the perks. 

If you’re earning flexible rewards such as American Express Membership Rewards® Points or Chase Ultimate Rewards®, these generally don’t expire as long as your account remains open and in good standing.

However, points or miles earned on cobranded cards are a mixed bag. Some points don’t expire for the life of your account, while others will expire if there’s no account activity within the last 12 to 24 months. Read your card’s terms and conditions to see the expiration policy for your rewards.

There’s no difference between points and miles on a credit card, they’re simply two different ways to describe rewards. Airline cards tend to use the term “miles” (probably because it evokes the spirit of the miles you fly), while hotel and general rewards cards tend to use the term “points.” However, the two terms serve the same purpose: they’re a way of measuring both the rewards you earn on a particular credit card and the number of rewards it will take for a particular redemption.

There’s no one “best” card for international travel since there’s no one “best” way to travel. The best credit card for international travel for you will be the one where the rewards rates best align with your spending patterns. You’ll also have to decide if a card that comes with robust benefits is worth paying the annual fee versus a card with less bountiful benefits but a lower annual fee.

For rates and fees for The Platinum Card® from American Express please visit this page .

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page .

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

²Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

*The information for the Aeroplan® Credit Card, American Express® Green Card, Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, Hilton Honors American Express Aspire Card, IHG One Rewards Premier Credit Card, JetBlue Plus Card, United℠ Explorer Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Should you take out a personal loan to pay for your vacation?

In a nutshell

Personal loans for travel (also called vacation loans) let you lock in a fixed interest rate and set monthly payments that will not change.

• Personal loans for vacations are different than credit cards, which charge higher variable interest rates and let you pay only a minimum payment if you prefer.
• Relying on savings to fund your travel will typically leave you much better off compared to borrowing the money.

What is a vacation loan?

The term "vacation loan" is used to describe personal loans for travel, which let users borrow money with a fixed interest rate, fixed monthly payments and a set repayment period — usually two to seven years. These loans can make your travel dreams come true, whether you want to cruise to Antarctica, explore the cobblestone streets of Europe's capitals or plan the perfect honeymoon somewhere tropical and warm.

Many personal loans come in amounts from $1,000 to $50,000, although some let borrowers access up to $100,000 or more in funding. What's interesting about personal loans is that, unlike credit cards that let you pay for purchases as required, these loans give you a lump sum of money you can use however you want. This makes personal loans ideal for travel plans where you need to pay for some of your spending (e.g., dinners out, taxis, tours and tips) in cash.

Of course, borrowing money isn't free, so vacation loans will inevitably make your trip cost more than if you paid in cash. How much more you'll pay for a vacation loan depends on factors like the interest rate you qualify for, origination fees you're charged that are typically between 0% and 12% of the loan amount and other fees that apply to your loan.

Are vacation loans a good idea?

Borrowing money to fund a big trip is rarely a good idea, and for more reasons than one. Not only are you borrowing to fund a "want" instead of a "need," but the act of financing a vacation is a sure sign you're living above your means.

Most people would be better off financially if they saved up the money they needed for a trip, or if they put down a deposit then made payments until closer to their travel date. The latter scenario is fairly common, especially with vacations like cruises that let you lock in a cabin, make payments as you want and pay the final balance owed between 75 and 90 days out.

In addition to promoting overspending, vacation loans can be costly due to the interest rates and fees we already mentioned. Imagine you want to borrow $10,000 for an all-inclusive getaway for your family, and that you find a lender that charges 12.21% interest — the average rate for 24-month personal loans as of February 2024, according to the Federal Reserve — and an 8% origination fee.

If you went with a 24-month personal loan, you would need to pay $473.03 per month to pay back the full amount of $10,000 plus interest. This includes the principal balance you owed plus $1,352.63 in interest charges over the life of the loan.

However, you wouldn't actually receive $10,000 in funds since the 8% origination fee ($800) would be deducted from the loan amount upfront. This means you would ultimately pay $11,352.63 to access $9,200 in cash for your trip.

The pros and cons of vacation loans

Installment loans , which is another name for personal loans, provide a source of funding people can use to pay for anything they want, including a dream trip. That may not be the best reason to borrow money, but it's up to each individual consumer to decide what works for them.

Before you move forward with a personal loan for travel, consider the potential advantages and disadvantages.

Pros of taking out a vacation loan:

• Personal loans are less expensive than credit cards: Average rates for personal loans are just over half the average rate for credit cards, according to the Fed. Credit cards also let you make a minimum payment on your debt if you prefer, which can cause interest costs to surge and leave you in debt significantly longer.
• Know exactly what you're signing up for: In addition to offering lower interest rates for eligible borrowers, personal loans come with fixed interest rates and set repayment terms consumers can agree to upfront. This makes these loans more predictable and easier to plan for.
• You don't need to wait: Saving up the cash for a once-in-a-lifetime trip could take years, and you may not be in a position to travel at that point. Vacation loans let you travel now, while you still can, then pay the trip off over the timeline you prefer.

Cons of taking out a vacation loan:

• Borrowing increases the costs of your trip: Personal loans for travel charge interest as you pay the money back, and many deduct an origination fee from the loan funds upfront. These costs make your trip cost more over the long run.
• Interest rates are high for bad credit: While personal loans feature lower interest rates on average, rates for people with imperfect credit aren't that great. In fact, many personal loan companies advertise rates that are well over 30% APR on the high end.
• Impact on your ability to borrow in the future: Borrowing money increases your debt-to-income (DTI) ratio , which is a factor other lenders (including mortgage companies) look at when you apply for a loan. This means your personal loan could impact your ability to purchase a home, finance a car or qualify for other types of funding.
• You're taking money from your future self: Your vacation plans may seem like a no-brainer at this point in your life, but how will you feel when you're paying the money back two years, five years or even seven years from now? Your future self could easily regret borrowing for a vacation, but you won't know until it's too late.

How to get a vacation loan

If a vacation loan is tempting you into borrowing, you should only do so if you have a plan in place to pay the money back — and if you can afford the monthly payment without impacting your ability to cover other expenses and bills.

Steps to get a vacation loan include:

• Step 1: Assess your credit and borrowing needs: Check your credit score to see where you stand, and keep in mind that the best rates and terms on vacation loans go to individuals with good to excellent credit (FICO scores of 670+). Also check which lenders offer the funding amounts you need, whether you want to borrow a small amount of money (less than $3,000) or you need a larger amount of funding for an expensive, once-in-a-lifetime trip.
• Step 2: Getting prequalified online: Most personal loan companies — Best Egg, SoFi, Upgrade and more — let applicants check their rate without any impact to their credit score. Prequalifying for a personal loan helps you figure out whether you can qualify, along with the rate you would pay, before you take steps to apply.
• Step 3: Applying for funding: Once you find a lender with rates and terms you can live with, you'll apply for funding online. Plan to submit your full name, address, income, employment information, Social Security number (SSN) and other required details.
• Step 4: Supplying required documentation: Some lenders will need you to upload documentation to get approved for funding, which may include tax information, pay stubs from an employer, government-issued ID, proof of your address, bank statements and more.
• Step 5: Waiting for the funds to arrive: Once you're approved for a personal loan, lenders will transfer the loan funds to your bank account. Some lenders offer fast funding with a day or two of loan approval.

Related: Best personal loans

Alternatives to vacation loans

If you're on the fence about vacation loans, you probably should be. After all, these loans will have you making payments on your trip for years after you get home and unpack.

Several alternatives could be a smarter move, including the following:

• 0% APR credit card offers: While credit card interest rates are typically on the high end, some cards let you pay 0% APR on purchases and even balance transfers for a limited time — usually between 12 and 21 months. These offers can work for relatively inexpensive trips you can pay off quickly.
• Buy now, pay later (BNPL) options: Some buy now, pay later (BNPL) companies (e.g., Affirm, Klarna and PayPal) let borrowers finance travel plans over a specific time period upfront. Note, however, that interest and fees can apply with these offers, so you'll want to read over the fine print to know what you're being asked to pay.
• Saving to pay in cash: Saving up the money for a trip can help you avoid arriving home from vacation with a huge bill. You can improve your savings strategy by automating your savings so money is moved to your dedicated account each month on a specific date, and by saving in a high-yield savings account (HYSA) that lets you earn interest on your funds.

Utilizing travel rewards: Also consider leveraging points and miles to pay for your next trip, which you can earn through credit card sign-up bonuses and rewards for regular spending. Just make sure you avoid getting into debt while in pursuit of rewards. Otherwise, the points and miles you earn won't be worth it in the end.

The AP Buyline roundup: Vacation loans offer a risky and costly way to finance a trip

Personal loans for travel can help you finance any trip you choose, but they ultimately make your trip cost more due to their interest rates and fees. A better option for trip financing is saving up the money you need to pay for your trip in cash or choosing a trip that lets you make interest-free payments over time. You can also finance travel with a 0% APR credit card to keep costs down, but you should only do so if you can pay the money back before the card's intro offer ends.

If you decide you're going to take on a vacation loan regardless of the cost, do yourself a favor and shop around with lenders to find the best deal. This move can help you find the best loan you can qualify for with the lowest interest rates and fees, which is a smart move either way.

Frequently asked questions (FAQs)

Is it smart to take out a loan for a vacation.

Borrowing money for vacation is rarely advantageous since interest rates and loan fees make your already expensive travel plans cost more in the end. You're better off saving up the money for a dream trip so you can pay in cash if at all possible.

Can you get a personal loan for a trip?

One benefit of personal loans is the fact borrowers can use loan funds however they want. Not only can you use a personal loan to fund travel, but these loans are popular for debt consolidation, wedding financing, adoption costs, IVF expenses and home remodeling projects.

How far in advance should I apply for a vacation loan?

You can apply for a vacation loan on whatever timeline works for you, whether that's months ahead or a few days before you need to pay for a trip. Most loan companies feature fast and easy online applications and quick funding times in as little as a few days.

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• Both parents or guardians must approve that we can issue a passport to a child, and go with the child to apply in person.
• If one or both parents or guardians cannot apply with their child, you will need to show us more documents.
• You cannot renew your child's passport using Form DS-82.
• Passports for children under age 16 are only valid for 5 years. 

Steps to Apply

1. fill out form ds-11 and print it.

Use our Form Filler tool  to fill out your child's form on a desktop or laptop computer and then print it. If you are experiencing technical issues with the Form Filler, download a PDF . 

Tips to complete your child's form :

• Do not sign your child's form until asked to do so by a passport acceptance agent or employee. 
• You can apply for a passport book , a passport card , or both documents.
• You may ask for a larger passport book with more visa pages, at no extra cost, by checking the 'large book' box at the top of the DS-11.

2. Get Evidence of U.S. Citizenship (and a photocopy)

Your evidence must be an original or replacement copy. The document must have the official seal or stamp of the office which issued it. You must submit one of the following documents for your child:

• Issued by the city, county, or state of birth
• Lists applicant's full name, date of birth, and place of birth
• Lists the parent(s)' full names
• Has the date filed with registrar's office (must be within one year of birth)
• Has the registrar's signature
• Has the seal or stamp of the city, county, or state which issued it
• Consular Report of Birth Abroad or Certification of Birth
• Certificate of Citizenship
• Please note you must also provide a document, such as a birth certificate, that lists the parent(s) or legal guardian(s) of the child. Full validity means the document is or was valid for 10 years for adults and 5 years for children under 16. 

If you cannot submit one of these documents, go to our  Citizenship Evidence page  for more information.

Paper only : You cannot submit digital evidence of U.S. citizenship such as a mobile or electronic birth certificate. You must submit physical evidence of U.S. citizenship and a photocopy of the document. 

Returning your child's document : We will return your child's document in a separate mailing up to 8 weeks after you receive the new passport.

Tips for making a photocopy :

• Black and white (no color)
• Use 8.5 inch by 11 inch paper
• Use a single side of the paper

If you do not submit a photocopy, you must submit a second copy of your citizenship evidence. We will keep this copy for our records.

3. Show Your Relationship to Your Child

You must submit a document that lists the parent(s) or legal guardian(s) of the child. Examples include:

• U.S. birth certificate (also evidence of U.S. citizenship)
• Foreign birth certificate
• Adoption decree
• Divorce or custody decree
• A court order

Some documents, like a U.S. birth certificate, show  both  U.S. citizenship and parental relationship. These documents must be originals or certified copies (not photocopies).

You and your child may have different last names, as long as the document showing your relationship to your child lists your full name.

If your name is different than the one on the document showing your relationship to your child, submit proof of your legal name change.

4. Get a Photo ID (and a photocopy)

Both parents or guardians must bring a physical, photo ID and a photocopy of it. If your photo ID is from a different state than the state in which you are applying, bring a second photo ID. 

You must show at least  one  of these photo IDs:

• Valid or expired, undamaged U.S. passport book or passport card 
• In-state, fully valid driver's license or enhanced driver's license with photo
• Certificate of Naturalization 
• Certificate of Citizenship 
• Government employee ID (city, county, state, or federal)
• U.S. military or military dependent ID
• Current (valid) foreign passport
• Matricula Consular (Mexican Consular ID) used by a parent of a U.S. citizen child applicant
• U.S. Permanent Resident Card (Green Card) used by a parent of a U.S. citizen child applicant
• Trusted Traveler IDs (including valid Global Entry, FAST, SENTRI, and NEXUS cards)
• Enhanced Tribal Cards and Native American tribal photo IDs
• In-state, fully-valid learner's permit with photo
• In-state, fully-valid non-driver ID with photo
• Temporary driver's license with photo

If you do not have one of these photo IDs, go to our  Identification page  for more information.

5. Show More Documents (if both parents or guardians cannot apply)

• Both parents or guardians must approve that we can issue a passport to a child, and go with the child to apply in person.
• If one or both parents or guardians cannot apply in person with their child, you will need to show more documents.

Important : Submit  Form DS-3053  and other notarized statements within three months of signing them.

6. Provide a Photo

You must provide one photo with your child's application. Go to our  Passport Photo page  for photo requirements and to see examples of photos. 

• Do not attach or staple your child's photo to the form. The acceptance agent or passport employee will review the photo and staple it to your form.
• Some  passport acceptance facilities
• A company which offers photo services
• Home. Ask your friend or family member to take your child's photo. Print it on glossy or matte photo quality paper. 

7. Calculate Fees

When applying using Form DS-11, you will pay two separate fees - an application fee and an execution (acceptance) fee. You will pay the application fee to the U.S. Department of State, and the execution (acceptance) fee to the facility which takes your application. 

• Add $60 to your application fee if you want  expedited service .
• Add $19.53 to your application fee if you want us to ship your completed passport in 1-2 days after we issue it.  

Child Applicants :

For more information on how to pay and a full list of fees, go to our  Passport Fees  page.

*How to fill out your check and pay the application fee to the U.S. Department of State. Please note you must pay a separate execution (acceptance) fee. 

Families may write one check or money order to the U.S. Department of State if they are applying at the same time. The check or money order must include the name and date of birth of each applicant.

8. Find Location to Apply

In the United States:

• Traveling in more than 3 weeks?  Go to a  passport acceptance facility  such as a post office, library, or local government office. Check with the facility to see if you need to make an appointment. 
• Traveling in less than 3 weeks?   Make an appointment  to apply at a passport agency or center.

In another country:

• Contact your  U.S. embassy or consulate .

9. Track Your Application Status

You can  subscribe to email updates  about your application status, and  learn more about each status update .

It may take 2 weeks from the day you apply until your child's application status is “In Process.” 

Frequently Asked Questions

How will you send my child's passport and supporting documents.

You will get multiple mailings. The number of mailings depends on what document(s) you asked for.

Passport Book : You may get your new passport and citizenship documents in two mailings. You may wait 8 weeks after getting your passport before you get a second mailing with your citizenship documents. We will return the passport book using a trackable delivery service.

Passport Card : You may get your new passport card and your citizenship documents in two mailings. You may wait 8 weeks after getting your passport before you get a second mailing with your citizenship documents. We only send the passport card via First Class Mail. We do not send cards using 1-2 day delivery services.

Both a Passport Book and Card : You may get three separate mailings:

• New passport book
• New passport card
• Citizenship documents

Contacting Us : If you have been waiting more than 8 weeks for your documents, call us at  1-877-487-2778  to report that you have not received your documents. 

If you want us to reimburse you for a lost supporting document, you must contact us within 90 days of the date which we mailed your passport. You will also need to provide a receipt to show the cost of replacing the document. 

Can I pay for faster delivery and return shipping?

Yes. You may choose one or both of the following shipment options:

• Delivering application to us : Pay for Priority Mail Express for faster shipping. The price for this service varies depending on the area of the country.
• Returning the passport to you : Pay $19.53 for 1-2 day delivery. This means you will receive your passport   1-2 days after we send it. Include this fee with your check or money order payable to the U.S. Department of State. Do not submit a return envelope to us with postage pre-paid. 

You may receive your passport and supporting documents in separate mailings. If you are renewing a passport card, we will send it to you via First Class Mail. We do not use 1-2 day delivery services if you only applied for a passport card.

What countries require Form DS-3053 "Statement of Consent" to be notarized at an embassy or consulate?

In certain countries, a DS-3053 must be notarized at a  U.S. embassy or consulate  and cannot be notarized by a local notary public. Currently, these countries include:

Special Passport Fairs

Find a Special Passport Fair  near you!

We're holding special passport fairs all across the United States to help you get your passport more easily. New events are added to our site every week.

Most events are for first-time applicants and children, (who use Form DS-11). If you can use Form DS-82, you can renew by mail at your convenience!

Processing Times

Routine:  6-8 weeks*

Expedited: 2-3 weeks and an extra $60*

*Consider the total time it will take to get a passport when you are booking travel.  Processing times only include the time your application is at a passport agency or center.

• It may take up to 2 weeks for applications to arrive at a passport agency or center. It may take up to 2 weeks for you to receive a completed passport after we print it. 
• Processing times + mailing times = total time to get a passport

Urgent Travel:  See our Get my Passport Fast page. 

How to Apply for your Child's Passport

Watch this video to learn how to apply in person for your child's U.S. passport!

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