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• Travel Tips

7 Professional Travelers Share Their Absolute Favorite Travel Rewards Program — and Why

Top experts pick their favorite travel loyalty program.

myLoupe/Getty Images

For frequent travelers, having a go-to loyalty program can be a game-changer. If you tend to fly on planes, stay at hotels, or spend on credit cards — or like me, you do all of the above — sticking with a program (or two) can make travel more accessible, enjoyable, and sometimes, downright luxurious. And if you play your cards right (pun intended), the rewards can add up relatively quickly. 

Take my favorite travel rewards program of the moment, Bilt Rewards. Bilt lets me earn points on rent payments, my biggest monthly expense, without incurring additional fees. These points, similar to Amex Membership Rewards points , Chase Ultimate Rewards points , and Capital One miles , are considered a transferable currency. That means they are programs that are more versatile than traditional airline miles or hotel points since you can move them to a variety of loyalty accounts on an as-needed basis. In the case of Bilt, I can transfer my existing points to more than a dozen travel programs instantly, including the two that I am most loyal to. With Hyatt and American — my hotel and airline of choice, respectively — I can stay at luxury hotels or book business-class flights by transferring my Bilt points. 

Wondering what programs other experienced travelers can’t live without? I asked eight professional jet-setters (and trendsetters) what their favorite loyalty programs are — and how they maximize those rewards.

World of Hyatt

Justin Sullivan/Getty Images

“My love of luxury hotels had a very definitive start a little over 10 years ago when another miles and points enthusiast introduced me to the Hyatt loyalty program, now known as World of Hyatt. I had been deeply entrenched in the world of luxury airline travel with miles for several years at that point, but never cared where I stayed once I got to my destination — until my first stay at a luxury hotel, using Hyatt points, changed my perspective entirely. World of Hyatt offers a combination of value, strong loyalty recognition, and transfer accessibility. I regularly book award stays valued at over two cents per point, upgrade perks as an elite member are consistent, and what I don’t earn from stays, I can transfer from Chase Ultimate Rewards for redemptions. While their global footprint isn’t the largest, they make continuous efforts to expand their portfolio through strategic acquisitions and partnerships, and their focus is very clearly on establishing a strong luxury positioning. The established Small Luxury Hotels partnership and the upcoming integration of Mr. and Mrs. Smith-marketed properties are both great examples of ways Hyatt thinks outside of the box to bring members additional opportunities to earn and redeem points on luxury stays.” — Michelle González, Luxury Travel Expert and Creator ( @laxtoluxury )

American Express Membership Rewards

Silas Stein/Getty Images

"My favorite rewards program is Amex Membership Rewards and has been since day one. I got my first Amex credit card over 10 years ago when I was fresh out of college and working as an executive chef, and it literally opened up the world to me. Thanks to Amex points, I learned very quickly that if you spend smarter, you travel better. I’ve traveled to almost 80 countries, flown across the globe in style on the most aspirational first-class airlines, and spent countless nights at the most luxurious hotels. Most importantly, I’ve created lifelong memories and had travel experiences that I never thought were possible. There are two main reasons why I prefer Amex above all others. First, you can earn a significant amount of points without needing to spend substantial amounts of money to earn them by using the Amex Platinum, Amex Gold, and Amex Green cards. I’ve done this all while living within my means and keeping my credit pristine. Secondly, there’s so much power behind these points when they are redeemed properly. When transferring Amex points to its airline and hotel partners, you are able to substantially increase the value of these points by leveraging the award charts and breaking away from the fixed value of the points when used directly with Amex Travel." — Tommy Lonergan, Partner at Freedom Travel Systems ( @travelliketommy )

Delta SkyMiles

Courtesy of Delta Airlines

There is an airline loyalty program that I think pound for pound, knocks most of the other competition out. Delta’s SkyMiles program has so many benefits that I have discovered. I love how Delta makes it easy to earn miles which I can then use to book flights and vacation packages. Then, I really enjoy the perks at each status level, especially as I level up like being able to upgrade faster and easier. I appreciate Delta’s SkyTeam alliance partners and redeeming miles with over a dozen other affiliated airlines. Delta also makes me feel like I am appreciated because when I choose to fly with them, I receive personal greetings and have even gotten handwritten letters congratulating me on my new status placed in my seat before I boarded. They also sent me my own Delta location tag that will track my bag wherever. Outside of the loyalty programs, I enjoy their lounges, which are world-class and make my airport experience more relaxing. — Jeff Jenkins, Host of Never Say Never on National Geographic ( @chubbydiaries )

Editor's note: Delta SkyMiles has recently changed how travelers earn status and its lounge admissions policies. Read more here .

American Airlines AAdvantage

"As a full-time traveler, my favorite loyalty program is American Airlines. Determining the best loyalty program is subjective. All loyalty programs, obviously, have their strengths and weaknesses — and it’s really about what you prioritize as a traveler and where you land when it comes to the tier. The first thing I tend to look at is the advantages of utilizing partner airlines, because I travel internationally so often. American has quite a number of partners in the Oneworld alliance; it’s a huge advantage to have partners all over the world to redeem miles. For instance, I love Qatar Airways Qsuites, it’s my favorite way to fly. In my opinion, it’s the best redemption of American miles. As an Executive Platinum Elite member, I receive free upgrades domestically, and that also includes flights to Mexico. Of course, these are subject to availability but I’ve received numerous upgrades between Los Angeles and New York. For the price of an economy ticket, I often get a lie-flat business seat for that journey." — Valerie Joy Wilson, Solo Travel Expert ( @trustedtravelgirl )

British Airways Executive Club

"My favorite loyalty program is the British Airways Executive Club because I find the benefits to be amazing, especially as someone who is a British-American dual citizen. I live in New York and frequently travel to the United Kingdom. Plus, I don't have to spend a lot of money to earn top-tier status, because, with British Airways, I earn points toward status based on distance flown, not just the cost of the ticket. This makes it easier to achieve Oneworld Emerald status, which gives me a lot of great benefits, even on domestic economy flights on British Airways partner American Airlines. For example, I get exit row seats, three bags at 70 pounds each, and access to the exclusive Flagship First check-in area with American Airlines. Even better, I get to enter some of the best airport lounges in the world with this status, like the Qantas First Lounge at LAX, all complimentary." — Will Taylor, TV Host and Content Creator ( @brightbazaar )

Air Canada Aeroplan

Gary Hershorn/Getty Images

"I really like the Air Canada Aeroplan rewards program, because it offers so many benefits. Earning points is easy and redeeming them is incredibly flexible. I can accumulate points quickly by transferring credit card points from American Express Membership Rewards, Capital One Miles, Chase Ultimate Rewards points, and Bilt Rewards points at a one-to-one ratio to Aeroplan. Redeeming my Aeroplan points is also so flexible because they can be used for Star Alliance partner airlines, as well as non-alliance partners like Emirates, Etihad, Bamboo Airlines, and Oman Airlines. This opens up numerous options for finding award flights worldwide. The online search feature is quick, accurate, and user-friendly, making the process of redeeming points enjoyable. One of the best things about the Aeroplan program is that I can add a stopover for just an additional 5,000 points, and the stopovers are bookable online. This is perfect for me because I love exploring multiple destinations and maximizing my travel experience. Plus, transfer bonuses are occasionally available when transferring credit card points to Air Canada Aeroplan, which helps me earn even more points. Overall, I think Air Canada Aeroplan is an excellent rewards program that offers a wide range of benefits for its users." — Max Do, Loyalty and Rewards Expert ( @maxmilespoints )

Alaska Mileage Plan

Chad Slattery/Courtesy of Alaska Airlines

"As a videographer and owner of a media company that travels around the world, Alaska has been my loyalty program of choice for the last several years. I have held airline status on three different airlines, but never received anywhere near the same number of upgrades per flight taken as I do on Alaska. In the old days, airlines awarded you miles based on the distance flown (instead of the money spent), Alaska is one of the few that continues to do this, which benefits me when I fly on cheaper fares over longer distances. They partner with a unique group of airlines all over the world, which makes it easy to use their miles to travel globally for competitive rates. Plus, they have the best chocolate chip cookies." — Ian Agrimis, Founder of Capture Unlimited ( @agrimisadventures )

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How to Get the Most Out of Your Travel Reward Points

Published June 24, 2019

A version of this post was sent to our weekly newsletter mailing list. If you’d like to receive this in your inbox, subscribe here .

Happy midsummer! Every year at this time, I wish I could revisit Sweden for the longest days of the year. But flying from Los Angeles to Stockholm is not cheap, and financing tickets for the whole family can be a challenge. I thought I’d ask Taylor Tepper, senior staff writer on our Money team, for tips on how to make the most of travel rewards cards for the summer.

Wirecutter Money is reader-supported. When you are approved for a product through partner links on our site, we earn a commission. Learn more about our advertiser disclosure and our partners .

Ganda Suthivarakom: Do you have any tips for families trying to find a way to finance tickets for everyone using points?

Taylor Tepper: Financing an entire trip for a family of four, as an example, can get tricky. Before you apply for a card, or even rev up your Google machine, make sure you can actually afford the vacation. A credit card is a tool, not magic.

That caveat aside, one option could be for one parent to apply for the Chase Sapphire Reserve , while the other goes for the Chase Sapphire Preferred . Once the two meet the spending requirements for the welcome offer (about $8,000 across both cards), they’d have 110,000 points between them. The Preferred parent would then transfer their points to the Reserve parent. The 110,000 points would be worth $1,650 in flights booked through the Chase travel portal. With an average domestic round-trip flight costing around $421, per the Bureau of Transportation Statistics , they’d have just about enough to cover four flights.

The real question, though, is which family member would have to sit out a visit to a Priority Pass lounge (or stump up the $27 for entrance).

Ganda: I have the Chase Sapphire Reserve. What should I be doing that I’m not doing yet?

Taylor: If you don’t already, you should transfer your points to a partner airline for a reward flight.

If you use your points on the Ultimate Rewards travel center, where you look up flights on the Expedia-run search engine and then use your points to buy a ticket, each point is worth 1.5¢ there, so a $450 ticket costs 30,000 points. That’s good value.

But travel experts will go a step further. Rather than using your points to buy a ticket through Chase’s travel center, you can transfer your points to a partner loyalty program to book an award ticket.

You’ll have to do more research, but you might be able to get a business-class overseas ticket through, say, Singapore Airlines’s KrisFlyer program for the cost of a main-cabin fare. I would use this trick only on long-haul flights, though, especially for choice seats.

Ganda: Everyone knows about the Chase Sapphire Reserve. What do you think is the best credit card deal more people should take advantage of?

Taylor: If you tend to fly one specific airline, I’d check out our best airline credit card guide . Travelers who frequent Southwest Airlines, for example, could do better with an airline-specific card. You can avoid some fees, take advantage of benefits like priority boarding, and enjoy valuable travel credits, depending on the card you fancy. We have recommendations for loyal flyers of all the nation’s largest carriers.

Editorial note: Opinions expressed here are Wirecutter’s alone and have not been reviewed, approved, or otherwise endorsed by any third party.

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The Best Mandoline Updated June 18

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Companies Are Now Selling Sleep Aids to Treat Adults Like Babies. And It’s Actually Not a Bad Idea. Published June 19

The Best Counter-Depth Refrigerators Published June 19

Buyer Beware: Used Nest Cams Can Let People Spy on You Published June 19

Discover it Miles Review: The Travel Card for People Who Also Like Cash Back Published June 19

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The Best Budget Android Phones Updated June 20

The Best Cheap Sunglasses Updated June 21

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The Five Cs of Subwoofer Setup Published June 21

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Making home espresso is hard to do right. But if you really want café-quality drinks, here’s what you need to know.

When Romance Ruins Your Southwest Companion Pass Master Plan

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Discover A World of Adventure

Earn vacation reward points while on vacation.

Travel Rewards is a loyalty program for using your favorite travel advisor.

“Double Your Fun” by collect your bank card reward points and, also, collecting Travel Reward “TripCoins”.

TripCoins are awarded for your current vacation purchase. TripCoins may be used to purchased additional amenities or banked in your personal Travel Rewards account for purchasing future vacation/holidays.

Travel Rewards TripCoins are free when purchasing a vacation/cruise from a Travel Rewards associate Travel Advisor or Travel Agency.

Exclusive Member Benefits

• Membership is complimentary for purchasing vacations from a Travel Rewards advisor/associate or a Travel Agency member.
• Usage of Travel Reward TripCoins for current purchased vacation ancillary items, such as additional feature or upgrades.
• Personal TripCoins online account – access your account and use it for calculating your future vacations.
• Special membership card with your favorite Travel Advisor or Agency.
• Special bonus awards from your travel agency.
• Membership specials direct from your travel advisor.

Travel Reward Membership FAQs

You may view your points online at my.travelrewardsinc.com. The Travel Reward Points may be used for preferred vacation packages, cruises, and tours. They also may be used to tailor your vacation such as onboard cruise credits and other amenities. You can redeem points via contacting your Travel Rewards Advisor.

The Travel Rewards accounts expires only if there is no account activity for 36 months.

In other words, your account is indefinite unless there is no purchase or redemption in three years.

Travel Rewards typically send you an alert six months before the 3 year expiration.

The Travel Rewards website has current members points. You may access it by entering your email address and password.

With the Travel Rewards program, points are flexible, unlimited, and easy to earn. Benefits as a Travel Rewards Member of Travel Rewards Inc:

• Access to Travel Rewards site with instant member point access.
• Special sales by the world’s largest cruise lines, travel wholesalers, and top quality resorts.
• Bonus Reward points on selected vacations.
• Special insiders travel expertise on selected independent travel.
• Notifications on special interest and event holidays.
• No charge for currency exchange.

Departure city, extended stays, cabin upgrades, vehicle upgrades, time period of trip, day of departure and return, single occupancy request, additional members to party, and additional features of itinerary (shore excursions, park tickets, tours, transfers, etc.)

Any and all changes to the vacation reward package must be paid for with dollars or previously earned points from the client’s account.

Changes may be required for new bookings. Check with your Travel Rewards Advisor.

Customers may buy companion packages for additional traveler(s) at best pricing available to them. The package can be paid for entirely with Travel Reward Points. Without sufficient number of points, the companion travel must be paid for in a combination of owned points and dollars.

Vacation reward selections come directly from National Travel Service and encompass virtually all major airlines, cruise lines, and tour companies. The preferred travel vendors of American Express are all preferred vendors of National Travel Service/ Travel Rewards since National Travel is an American Express Representative Travel Company.

On resort recommendations which include inclusive resorts, Travel Rewards will only recommend 4 and 5 star resorts. This is part of our Consumer Value Policy.

The Travel Rewards Preferred Client Club is a free rewards program for travelers who book vacation packages, cruises, tours, and group vacation travel through National Travel Inc. and Travel Rewards services.

Any client who has booked these types of travel may enroll by visiting our website at my.travelrewardsinc.com or ask your Travel Advisor to enroll you at the time of booking.

Travel Rewards Points have no cash value. The travel points are 1% of purchase price and may be used in combination with acceptable currency.

Once you make a purchase of a Travel Rewards/National Travel Inc. preferred cruise, tour, or resort vacation, you will be enrolled automatically.

Members must follow the terms and conditions of the cruise or tour operator as to cancellations and refund policies.

• Check with your Travel Rewards Advisor for cancellations and refunds for your purchased vacations.

Change in property and change in itinerary.

Yes, customers may own extra points which may be combined with dollars.

Absolutely, you may receive bank reward points as well as American Express Rewards. You may receive a two for one when purchasing a Travel Rewards Preferred vacation and utilizing your awards credit card.

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• Credit Cards

The Beginner’s Guide to TD Rewards Credit Cards

TD Rewards is the in-house points currency offered exclusively by TD Bank. The rewards program allows TD Rewards credit card holders to earn TD Rewards Points.

The rewards program is available through three of TD’s personal credit cards: the TD Rewards Visa* Card, the TD Platinum Travel Visa* Card, and the TD First Class Travel® Visa Infinite* Card.

In This Post

What is td rewards, td rewards credit cards, redeeming td rewards points.

TD Rewards is TD Bank’s in-house points currency that’s accessible through three personal credit cards and one business TD Rewards credit card.

Credit cards in the TD Rewards program earn TD Rewards Points, which are a fixed-value points currency that’s exclusive to the bank.

The fact that the currency has fixed value means that the value of the points doesn’t fluctuate, and instead its value is based on the way in which you choose to redeem them (more on this below).

TD Rewards Points can be earned exclusively through credit card welcome bonuses that you can access as a first-time cardholder when you get a TD Rewards credit card, and through spending on the same eligible card.

As you earn a welcome bonus and additional points through day-to-day spending, your TD Rewards account balance will grow.

These accumulated points can be redeemed several ways, with the fixed value of a single TD Rewards Point ranging from 0.25 cents per point to 0.5 cents per point (all figures in CAD).

This means that if you had 100,000 TD Rewards Points in your account, you could redeem these for a value of between $250 and $500, depending on which type of redemption you choose.

The most valuable way to redeem TD Rewards Points is for travel, which we’ll explore in detail below.

TD Rewards Points are a great points currency to collect if you’re someone who wants to be able to redeem points for travel, and especially if you often book your trips through Expedia.

TD Rewards Points are also a great currency to collect in addition to other airline and hotel points, since they’re useful in offsetting other travel costs, such as cruises, independent hotels, and short-term rentals that aren’t covered by brand-specific programs (e.g., Aeroplan, Marriott Bonvoy, WestJet Rewards ).

Since TD Rewards Points are redeemable at a fixed value that’s tied to the cash value of the redemption, they’re not the best choice for aspirational travel like business class or First Class flights; however, they remain a valuable currency for other travel expenses.

As we mentioned above, TD Rewards Points can only be earned through TD Rewards credit cards.

TD currently offers three personal credit cards for this program: the TD First Class Travel® Visa Infinite* Card, the TD Platinum Travel Visa* Card, and the TD Rewards Visa* Card.

To sort out which of the above three is best for you, let’s look at each of the personal credit cards’ features and eligibility requirements.

TD First Class Travel® Visa Infinite* Card

This is the TD Rewards program’s flagship card, offering the strongest earning rates and the best welcome bonus.

The card’s welcome bonus fluctuates depending on the bank’s current offer, often coming in around 100,000 TD Rewards Points and with an all-time high of 135,000 TD Rewards Points.

Given this, it’s ideal to time your application to coincide with an elevated welcome bonus, as this is a one-time opportunity for new cardholders.

The fees and eligibility requirements of this card are as follows:

• Annual fee: $139
• Supplementary cardholders: $50
• Minimum income requirement: $60,000 (personal), $100,000 (household)
• Estimated credit score needed: Good to Excellent

Since this is a premium credit card, you can enjoy elevated earning rates in specific categories, with earning rates as follows:

• Earn 8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
• Earn 6 TD Rewards Points† per dollar spent on eligible grocery and restaurant purchases†
• Earn 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• Earn 2 TD Rewards Points† per dollar spent on all other eligible purchases†

As an example of the earning power of these rates, let’s imagine that you spend $500 on groceries and restaurants in a month.

Given the earning rate of 6 TD Rewards Points per dollar spent, $500 in spending within this category will earn you 3,000 points. These 3,000 TD Rewards Points can then be redeemed for between $7.50 and $15 in value, depending on the redemption path you choose.

This value is equivalent to a 1.5–3% return on your $500 in purchases ($7.50/$500 = 1.5%, $15/$500 = 3%).

Since TD Rewards Points can be redeemed for a maximum value of 0.5 cents per point, the return on spending you get is 4%, 3%, 2%, or 1%, depending on your purchase.

Plus, as an annual birthday perk, you can earn 10% of the TD Rewards Points earned in the previous 12 months back on your cardholder anniversary,† up to 10,000 TD Rewards Points per year.†

The TD First Class Travel® Visa Infinite* Card also comes with a range of perks and benefits.

For example, cardholders are eligible to earn a $100 TD Travel Credit† on accommodations and vacation packages of at least $500 booked through Expedia® for TD†, and can also enjoy car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally.†

Additionally, the card often offers a first-year annual fee rebate, and it comes with strong insurance coverage for travel and eligible purchases.

Overall, the TD First Class Travel® Visa Infinite* Card is best suited for individuals who meet the income requirements and who are looking to accumulate TD Rewards Points rapidly with the elevated earning rates.

More in-depth information about the TD First Class Travel® Visa Infinite* Card can be found in our dedicated guide for the card.

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  55 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139, rebated for the first year †
• Application must be approved by September 3, 2024 to receive this offer

TD Platinum Travel Visa* Card

The TD Platinum Travel Visa* Card is the mid-tier card in the TD Rewards lineup, and it offers good earning rates and an enticing welcome bonus.

• Annual fee: $89
• Supplementary cardholders: $35
• Minimum income requirement: N/A

Similarly to the TD First Class Travel® Visa Infinite* Card , the TD Platinum Travel Visa* Card also earns elevated rates in specific categories, just at a slightly lower rate than its premium counterpart.

These earning rates are as follows:

• 6 TD Rewards Points† per dollar spent on eligible Expedia® for TD†
• 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining†
• 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†

To see these rates in action, let’s again imagine that you spent $500 on groceries and restaurants in a month.

With the 4.5 TD Rewards Points per dollar rate, $500 in spending within this category will earn you 2,250 points. These 2,250 TD Rewards Points can then be redeemed for between $5.60 and $11.25 in value, depending on the redemption path you choose.

This value is equivalent to a 1.12–2.25% return on your $500 in purchases ($5.60/$500 = 1.12%, $11.25/$500 = 2.25%).

In terms of perks and benefits, the TD Platinum Travel Visa* does not provide much, which is expected with a mid-tier card.

Cardholders can often enjoy a first-year annual fee rebate as well as car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally†. The card also provides some basic insurance coverage.

This card is best suited for individuals who would like to earn TD Rewards Points with elevated earning rates, but who don’t meet the eligibility requirements of the TD First Class Travel® Visa Infinite* Card.

More in-depth information about the TD Platinum Travel Visa* Card can be found in our dedicated guide for the card.

• Earn  15,000 TD Rewards Points upon first purchase †
• Earn 35,000 TD Rewards Points upon spending $1,000 in the first 90 days †
• Plus, earn 6x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Earn  4.5x TD Rewards Points † on eligible grocery and restaurant purchases †
• No minimum income requirement
• Annual fee: $89, rebated in the first year †

TD Rewards Visa* Card

The TD Rewards Visa* Card is the program’s entry-level, no-fee card. It offers the lowest earning rates of the three TD Rewards credit cards, and it typically comes with the opportunity to earn a modest welcome bonus.

• Annual fee: $0
• Supplementary cardholders: $0
• Estimated credit score needed: N/A

As can be expected with any no-fee credit card, the earning rates for the TD Rewards Visa* Card are lower than the other TD Rewards cards; however, there are still elevated rates in specific categories.

The TD Rewards Visa* comes with the following earning rates:

• 4 TD Rewards Points† per dollar spent on eligible Expedia® for TD purchases†
• 3 TD Rewards Points† per dollar spent on eligible groceries and dining purchases†
• 2 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1 TD Rewards Point† per dollar spent on all other eligible purchases†

To help understand the value of these earning rates, let’s look at the same monthly spend of $500 on groceries and restaurants as above.

Since you earn 3 TD Rewards Points per dollar in the groceries and dining category, $500 of spending within this category will earn you 1,500 points. These 1,500 TD Rewards Points can then be redeemed for between $3.75 and $7.50 in value, depending on the redemption path you choose.

This value is equivalent to a 0.75–1.5% return on your $500 in purchases ($3.75/$500 = 0.75%, $7.50/$500 = 1.5%).

In terms of perks and benefits, the TD Rewards Visa* Card comes with very little.

Cardholders can enjoy car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally†, and they will have access to some minimal insurance coverage, such as extended warranty, purchase protection, and Mobile Device Insurance.

The TD Rewards Visa* Card is best suited for individuals who are looking for a no-fee way to earn TD Rewards Points.

More in-depth information about the TD Rewards Visa* Card can be found in our dedicated guide for the card.

• Earn 15,152 TD Rewards Points when you spend $500 within 90 days of Account opening+ †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Application must be approved by January 6, 2025 to receive this offer

TD Rewards Points can be redeemed for travel, gift cards and merchandise, higher education, statement credits, and on amazon.ca,

We’ll focus on the travel options in the sections below since these are the most valuable options, and given that you’re on our website, they’re likely the options that most intrigue you.

That said, if you’re interested in learning more about the other available options, check out our Essential Guide to TD Rewards, which goes over each alternative in detail.

Redeeming TD Rewards Points on Expedia for TD

The most valuable way to redeem TD Rewards Points is by using them through Expedia for TD.

When redeemed this way, each TD Rewards Point is worth 0.5 cents per point, meaning that 100,000 TD Rewards Points can be redeemed for $500 worth of travel.

Expedia for TD is essentially the same as the regular Expedia platform, except it’s linked with your TD Rewards Points account, and you log in with your TD credentials.

To access Expedia for TD, simply sign in to your TD Rewards account, click “Expedia for TD” under the “Redeem” tab, and then click through to the Expedia for TD portal.

You can use Expedia for TD the same way you would use regular Expedia, allowing you to book flights, hotels, car rentals, and other travel purchases.

Notably, through this redemption avenue, you can also redeem your TD Rewards Points for cruises, tours, and Disney tickets.

After signing in to Expedia for TD, you can search for your desired hotel, cruise, tour, or whatever else you might like to book.

As an example, let’s say you’d like to redeem your TD Rewards Points for tickets to Universal Orlando Resort.

Once you’ve selected your purchase on Expedia for TD, look for “Use your TD Points” on the check-out page. From there, select the number of points you’d like to redeem and then proceed with your purchase.

The minimum redemption amount is 200 points (equal to $1), and you’re able to make the purchase with a combination of cash and points, allowing you to decide how much of the purchase you’d like offset with your TD Rewards Points.

When redeeming your points through Expedia for TD, you still need to pay the full purchase amount up front. The value from your redeemed points will be credited to your TD Rewards credit card statement after the purchase is completed and within 3–5 business days.

When booking through Expedia for TD, it’s important to remember that you’re booking through a third-party vendor (Expedia) and not directly with the airline, hotel, car rentals, etc.

For hotel bookings, this means that you won’t earn any hotel status benefits or accrue elite qualifying nights. For car rentals, you won’t earn things like Hertz points or free rentals through National Free Days.

However, you will still be able to accrue elite-qualifying points/miles with airlines as long as you attach your associated membership number to your booking at the time of purchase or add it at the check-in counter.

Most importantly, when booking a flight through Expedia for TD, be aware that any and all changes and cancellations must be pursued through Expedia for TD, and can’t be done through the airline.

Redeeming TD Rewards Points with Book Any Way Travel

If you’d rather book travel directly with vendors (e.g., Hyatt, WestJet, VIA Rail) instead of using Expedia for TD, you can still get great value from your points.

When redeemed for purchases made outside of Expedia for TD, each of your TD Rewards Points is worth 0.4 cents. This means that 100,000 TD Rewards Points is worth $400 for travel booked using your TD Rewards credit card.

To redeem your TD Rewards Points through the Book Any Way option, all you need to do is charge the eligible flight, hotel, train ticket, etc. to your TD Rewards credit card.

Once the purchase has posted to your credit card account, you can redeem your TD Rewards Points to offset the cost by using the TD Rewards website or by calling 1-800-983-8472 within 90 days of the purchase date.

To redeem TD Rewards Points online, log in to your TD Rewards account and select “Book Any Way Travel” from the “Redeem” tab.

On the next screen, fill in the information about the transaction against which you’d like to redeem points.

You’ll need to have the purchase transaction date, its description, and the exact dollar amount before proceeding. This information can be found on your credit card account statement.

If you’d like to redeem points for multiple transactions at once, simply click on “add another transaction” and fill in the additional information.

Once you’ve submitted your request for redemption, you can expect to receive the value back as a statement credit within 3–5 business days.

While you won’t get the best value from your TD Rewards Points this way, this option does offer excellent flexibility as TD has one of the most generous definitions of an eligible “travel expense” in the industry.

Using Book Any Way, you can redeem your TD Rewards Points for the vast majority of travel expenses, including campsites, jet-ski rentals, and even theatre tickets as long as they were purchased while travelling.

Keep in mind though that in the cases involving more unique travel expenses, you may need to speak with a customer service representative in order to redeem your points.

If you’d like more details about how you can redeem your TD Rewards Points through other redemption methods, we’ve included more options and additional details in our Essential Guide for TD Rewards.

Alternatively, you can always check out the TD Rewards website to explore the program further.

TD Bank offers three personal TD Rewards credit cards that allow you to earn TD Rewards Points.

These points are a valuable currency that can be redeemed for almost all your travel expenses at a fixed value, making them one of the most flexible fixed-value currencies on offer in Canada.

If you’re looking for a credit card that earns points redeemable for travel expenses and you prioritize flexibility, the TD Rewards travel cards are great options to consider. 

Can I have a TD Rewards credit card if I don’t bank with TD?

Yes, you can. To pay your TD Rewards credit card bill without a TD bank account, simply search for TD as a payee within your online banking’s bill payment feature, and then add your TD credit card number as the account number.

Can I book travel for other people with my TD Rewards Points?

Yes, you can make a booking for someone else using your TD Rewards Points. To do so, go through the search and booking process as usual, using your friend/family member’s name and information in lieu of your own.

Do I have to redeem my TD Rewards Points for travel?

No. TD Rewards Points can also be redeemed for merchandise, gift cards, statement credits, higher education, and on amazon.ca.

Can I exchange my TD Rewards Points for cash?

TD Rewards Points can be redeemed for a cash credit towards your TD credit card statement at a rate of 400 points = $1 (CAD).

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The Guide to Chase’s Travel Portal

Ramsey is a freelance travel journalist covering business travel, loyalty programs and luxury travel. His work has appeared in Travel+Leisure, Condé Nast Traveler, Reader's Digest, AFAR, BBC Worldwide, USA Today, Frommers.com, Fodors.com, Business Traveler, Fortune, Airways, TravelAge West, MSN.com, Bustle.com and AAA magazines. As someone who flies more than 450,000 miles per year and has been to 173 countries, he is well-versed in the intricacies of credit cards and how to maximize the associated perks and services.

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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Table of Contents

Who can use Chase's travel portal?

How to use chase's travel portal, other things you can do in chase's portal, chase travel contact options, chase's travel portal can be lucrative.

Chase Ultimate Rewards® points are among the most useful rewards you can earn. When it comes time to redeem them, you will be directed to Chase's travel portal. This is where you can book flights, hotels and rental cars with points, redeem them for merchandise and gift cards, or transfer points to other programs.

Should you redeem points to pay for a trip instead of using cash or transfer them to a loyalty program partner to get better value? You'll need to do a little homework to find the right answer as each situation is different.

Chase points are the currency you earn when using cards like Chase Sapphire Preferred® Card or Chase Sapphire Reserve® . They are superior in many ways to other point currencies because  you earn more than one penny in value  per point with these two cards. For example, when redeeming through Chase's travel portal, the Chase Sapphire Reserve® will net you 1.5 cents in value per point and the Chase Sapphire Preferred® Card will net you 1.25 cents in value per point. When you transfer to a partner, your per-point-value may be even greater.

With the travel portal, you can redeem points to pay for an entire trip or you can use a mix of points and cash to cover a travel booking. You can also pay all in cash, earning 5 to 10 points per $1 spent, depending on the card you have. Using points for travel is the most valuable way to extract value from Chase Ultimate Rewards® for most people.

It's an efficient website, but some irritants snag even savvy travelers. Let's dig into Chase's travel portal's good and bad. You'll find that it is mostly good, if not great.

Chase cards vary in earning and redemption benefits so you will want to pay attention to which one you use, especially if you have more than one card. The most valuable cards earn Ultimate Rewards® points, but some Chase cards, like the United℠ Explorer Card , earn miles or points in that co-branded program (in this example, United MileagePlus miles ).

Let’s review the cards that earn Chase Ultimate Rewards®, with the most rewarding cards first. Keep in mind that if you have more than one of these cards, you can move points between Chase Ultimate Rewards® accounts to redeem them from an account that delivers more cents per point in value.

These cards earn Chase Ultimate Rewards® and provide access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Ink Business Preferred® Credit Card .

Chase Freedom Unlimited® .

Chase Freedom Flex® .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

Chase Freedom Rise Credit Card.

There is an important perk to remember if you have multiple cards. Since the Chase Sapphire Reserve® card offers 1.5 cents in value per point and the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card offer 1.25 cents in value, it is best to redeem points from these accounts rather than any other Chase card.

If you have one of those two premium cards and another Chase card (like Chase Freedom Unlimited® , for example), you can move your Ultimate Rewards® points from the Chase Freedom Unlimited® account to a premium card’s account (like the Chase Sapphire Reserve® card).

This strategy allows you to unlock half a cent more in value in seconds. It’s one of the best benefits of Ultimate Rewards® when you have a premium card and one of its no-fee cards.

Want to earn a bunch of points quickly to make a redemption? The sign-up bonuses on these cards can rake in extra points if you meet the terms and conditions.

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in Chase's travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in Chase's travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in Chase's travel portal: 1 cent apiece.

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℠.

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 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!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Here’s a primer on what you can and cannot do with Ultimate Rewards® points.

Log in to your account, then navigate to the Chase Ultimate Rewards® tab on the right of the screen. If you have more than one card that earns this currency, you can see each balance and select the account from which you want to redeem points.

Once you select the card, you’ll be taken to a homepage that shows the points you have earned and how you can redeem them. We recommend sticking to travel redemptions rather than using points for merchandise as the value diminishes significantly with the latter.

Select the "Travel" tab at the top of the screen. From here, you can decide whether to transfer points to a partner or redeem them as cash for a trip.

One of the best perks of using this travel portal to make a points redemption is that you still earn frequent flyer miles on most airline tickets since these are booked as a revenue ticket (not as an award redemption like when using airline miles to book a flight).

How to book award flights in Chase's travel portal

This is one of the more popular features of using points, but keep in mind it doesn't feature all airlines, which can be frustrating. Even if you find a flight on an airline's website or third-party booking site, it doesn't mean it will be available at Chase.

Enter the relevant details in the search bar to find a flight. Results can be filtered by stops, airline or price. Another benefit of this portal is that you aren't subject to award seat availability in the same way you might be when redeeming miles through an airline's program.

If there is a seat that could be bought with cash, you can usually redeem points for it. Plain and simple.

Compare how many miles you would need if booking directly with the airline with what Chase is charging.

If it would cost fewer points to book directly with the airline, you’ll want to use miles instead. For example, Delta co-branded American Express cardholders can often redeem their miles like cash on Delta’s website (at 1 cent per mile’s value). That’s just average, but if it is cheaper than what Chase is charging, consider that the better option. But don’t forget that airlines will add on taxes and fees when redeeming miles . Airfare booked with Chase Ultimate Rewards® points don't have additional costs tacked on — these are already bundled into the fare.

Another important note is that some low-cost airlines like Allegiant don't appear in search results. If you want to travel on a budget airline, then you'll need to visit those websites to compare fares.

You can pay in cash, points or a combination. Chase will display particular details about your fare, like whether assigned seats or checked bags are included. This may not take into account any elite status perks you hold.

How to book hotels in Chase's travel portal

You can also redeem points for hotel stays using Ultimate Rewards® points. This is great news, especially when staying at hotels where you may not have  elite status  or don't care about elite perks or points earned.

Keep in mind that when making a reservation outside a hotel’s official reservation channels, you won’t earn points in its program or be able to take advantage of elite status benefits. So if you have status with a hotel chain, this isn't the best value unless you are willing to forgo those benefits.

Making a reservation is straightforward. Enter the city and travel dates to see a list of hotels available for redemption. Then, you can redeem points or pay in cash for your trip.

Like with flights, compare the cost of Chase Ultimate Rewards® points with the number of points a hotel’s program is charging. A particular favorite is World of Hyatt, which still uses an award chart and, as a transfer partner of Chase Ultimate Rewards®, can often deliver more favorable deals when using Hyatt’s points rather than Chase points.

For example, it would cost about 9,000 Chase Ultimate Rewards® points to redeem a night at Hyatt Place London Heathrow Airport. But, if you transfer points to World of Hyatt, you would need 5,000 points for the same night’s stay.

How to book car rentals in Chase's travel portal

This is a great place to reserve rental cars using points, and Chase rental car insurance benefits apply when using the card and paying with points. But, for that to be the case, you will want to pay for part of the rental in cash so the insurance benefits are activated. To do that, pay with a combination of cash and points, and decline the rental company's insurance first.

How to book activities in Chase's travel portal

Activities available for booking through Chase's travel portal include tours and experiences at home or when traveling and airport transfers. Price comparison plays a role here, too, since many hotel brands have their own platforms like Marriott Bonvoy Moments or FIND Experiences from World of Hyatt. These allow you to redeem points for experiences.

Check which program is cheaper before redeeming Chase points if you find similar options in either program.

How to book cruises in Chase's travel portal

Since cruise bookings can be more complex, you will need to call Chase Ultimate Rewards® at 855-234-2542 to make a reservation. There are many ways to earn multiple points when booking a cruise that may be better than using Chase, but when redeeming points for a cruise , there can be a lot of value.

Using Chase's portal to make a travel reservation is also strategic, as depending on your card, you can earn a healthy stash of points this way. Just be sure to compare the benefits you can earn with the opportunity cost of booking elsewhere.

Benefits of booking travel in Chase's portal

Let’s say you have a premium card like Chase Sapphire Reserve® . It earns 5x points per $1 when booking flights through the portal. The sweet spot is when using this card for hotel stays and rental cars booked via the portal for 10x points per dollar spent. Consider what’s in your wallet, and decide which card will net the most points.

Another benefit is that you will earn miles from flights booked through the portal, even when redeeming Chase Ultimate Rewards® points since these are viewed as a revenue ticket.

Remember, you will want to compare if it is cheaper to redeem airline miles directly through a carrier’s redemption program or if you can use fewer points by redeeming Chase points via the portal.

Sometimes it might make more sense to transfer points from Chase to an airline partner when redeeming a flight (or a hotel program when making a hotel stay). Be as vigilant with price comparison when redeeming miles and points as you would when using cash.

Does Chase's travel portal price match?

No. You cannot submit a lower fare elsewhere for a price guarantee here since this isn't a publicly available site. It is only available to those who have a Chase card.

What else you need to know

When booking through this reservation site, keep in mind that most airlines and hotels cannot assist directly with a reservation. They see this as a third-party booking through Expedia and will direct you to Chase's agents.

Many travelers report the experience can be frustrating when travel disruptions or cancellations occur. Agents are friendly but can sometimes be limited in their abilities, often reading prompts on their screens in international call centers.

It can be a hazard booking a reservation with a third party, but the trade-off in redeeming points is worth it for some travelers.

If you do need to contact a Chase portal agent for support on a reservation made through the site — whether for a flight, hotel booking, car rental or activity — you've got one option: a good, old-fashioned telephone call.

Dial 866-331-0773 for assistance regarding changes or cancellations to your bookings.

You might have better luck dialing the support line for your specific Chase card. You might opt to give one of these a try:

Chase Sapphire Reserve® : 855-234-2542.

Chase Sapphire Preferred® Card : 866-331-0773.

All other cards: 866-951-6592.

If you compare prices and consider the opportunity cost of using the portal instead of booking elsewhere, you can almost always come out ahead.

You can save money, earn bonus points and travel better with transferable loyalty points like Chase Ultimate Rewards®. They have the flexibility and versatility necessary to deliver excellent value on travel (rather than being locked into one airline or hotel loyalty program). With the right card (or suite of cards), you’ll be able to accumulate points and benefits.

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

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!

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% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Chase Travel®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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10 Tips for Using the Chase Ultimate Rewards Travel Center

Update: Some offers mentioned below are no longer available. View the current offers here .

Among the numerous benefits of the Chase Sapphire Reserve, one of the least appreciated is the ability to receive 1.5 cents in value per point redeemed at the Ultimate Rewards Travel Center. In fact, this benefit should change how you redeem your Ultimate Rewards points, when you want to earn redeemable miles and elite status credit on flights or when the hotel you want can't be booked through a Chase transfer partner, among other situations .

The problem is that the Ultimate Rewards Travel Center is not exactly the best designed website, but there are many tips and tricks that can help you use it and get more value from your points.

Here are 10 things that you might not know about the Ultimate Rewards Travel Center:

1. Save time by creating traveler profiles. 

If you're going to be using the Ultimate Rewards Travel Center regularly, you might as well spend a few minutes creating traveler profiles for yourself and anyone else who you'll be booking travel for.

These profiles contain the basic information needed to book reservations, such as your name, address, birth date and contact information. You can also add your preferred departure airport, your passport information and even special meal requests. There are even fields to add in your frequent flyer numbers and your account numbers for hotel and rental car programs. This can save you lots of time when you book reservations.

2. Earn points and miles from your award bookings.

With your loyalty program information on file, you're free to earn the points and miles from many of your award reservations, the same way you would if you booked directly. You can earn rewards from all of your flights and rental car reservations, although most hotel programs won't offer rewards unless you book directly with them. For example, I often use the Ultimate Rewards Travel Center to book rental cars with National, and by supplying my Emerald number I still receive access to the Executive Aisle due to the elite status I received as a Sapphire Reserve cardholder.

3. Book rental cars one-way. 

For several years, you were unable to book a rental car at the Ultimate Rewards Travel Center unless you were dropping it off at the same location you picked it up. But recently, a new field appeared that allows you to specify a different drop-off city or airport. Having more options is always a good thing.

4. Be very careful when booking hotels. 

I often book hotels using the Ultimate Rewards Travel Center, especially when my hotel points fail to offer 1.5 cents in value or when I need to stay somewhere that isn't part of one of the hotel programs I have rewards with. But one of the real problems with the Ultimate Rewards Travel Center is that it fails to include taxes and fees in its initial quote, and you'll only see the total price after you click "book" and add it to your card.

What's worse is that even this price may not include "resort fees," "urban destination" fees or any other of the new bogus fees that are rapidly infecting the hospitality industry. This means that the total price you must pay will not be disclosed by the first, or even the last, price you see, and the hotel can hit you up in person for undisclosed fees when you check out. For more information on this problem, see my post on Comparing Hotel Price Transparency Across Booking Sites .

5. You probably won't get points on hotel bookings.

I know that the Chase Ultimate Rewards Travel Center is operated by a company called Connexions Loyalty, but I'm not aware of any connection it has to Expedia and it's group of online travel agencies including Hotels.com, Hotwire.com , Orbitz and Travelocity . What I do know is that on several different occasions hotel staff has told me that they thought my room was booked through Expedia.

Whether or not Expedia has anything to do with Chase or Connexions Loyalty doesn't matter. What you need to know is that the hotels you book through the Chase Ultimate Rewards Travel Center will be treated as third-party travel agency bookings. This means that you're unlikely to receive hotel points from your stay, and you may not even receive some of the benefits of any elite status you hold.

6. You can filter out basic economy fares. 

When so-called basic economy fares began proliferating through the travel world, online travel agencies like the Chase Ultimate Rewards Travel Center were slow to inform customers of the numerous restrictions imposed on these fares. Thankfully, the Chase Ultimate Rewards Travel Center now displays basic economy fares somewhat clearly. You even have the option to exclude basic economy fares , but only after you see the initial search results. Unfortunately, I've frequently found this option to be less than functional, returning no results on occasion.

7. The baggage and hotel cancellation policies are as clear as mud. 

When you book a ticket directly with an airline, it will tell you exactly what your carry-on and checked baggage allowance is, the cost of purchasing additional bags. But when you book a ticket using the Chase Ultimate Rewards Travel Center, you simply get a link titled "baggage fees." This link takes you to Airlinebaggagecosts.com , which simply offers links to each airline's web page that discusses baggage fees. This multi-step process is no better than Googling it yourself, and it offers no clarity on the baggage allowance that applies to your particular fare and routing.

Likewise, if you want to know what the hotel cancellation rules are, the Chase Travel Center will just reference the hotel's "cancellation window," and it's up to figure out what that is.

8. You can book Southwest and Allegiant flights, but only by calling.

Southwest and Allegiant flights don't ever appear in the online results when searching the Ultimate Rewards Travel Center. But after you perform a search, you'll see this note buried in the disclaimers; "Some airlines don't offer advance seat selection. Southwest and Allegiant tickets can only be purchased by calling us at 1-855-234-2542."

But that's not all — you can also book Norweigian and Gol (a Brazilian low-cost carrier) flights by calling the Ultimate Rewards Travel Center.

9. The call center can be frustrating, but the representatives do a decent job. 

There are few things more annoying in travel than having to listen to long, irrelevant messages before reaching a human. You mean I have to know the names and birth dates of the travelers before I can book an airline ticket? I had no idea! And I certainly don't care when I'm calling for help with a hotel or rental car issue. Yet you have to listen to this message each and every time you call.

Thankfully, I've had pretty good experiences with the representatives once I got through to them. For example, one reached out directly to a small hotel in Mexico, and got them to waive the cancellation fee after I became sick and couldn't travel.

10. Don't forget "activities."

When you book something online at the Ultimate Rewards Travel Center, you have four options: flights, hotels, car rentals and something called "activities." This last one can be a great opportunity to redeem your Ultimate Rewards points rather than spend cash on tours and attractions on your next trip.

Transferring Credit Card Rewards to a Travel Partner? Do This First

E arning rewards when swiping your credit card is an excellent strategy. With a travel credit card, you can redeem your rewards for travel purchases, making an upcoming vacation cheaper.

If you have a travel rewards credit card that allows you to transfer your rewards to travel partners, there are two steps you should take before transferring them. Here's what you should know.

Featured offer: save money while you pay off debt with one of these top-rated balance transfer credit cards

Some cards allow you to transfer your rewards to travel partners

Some travel credit cards give cardholders multiple ways to redeem the rewards they earn. One redemption option may be to transfer your points or miles to select airline or hotel partners.

Transferring your rewards could be an excellent way to get more value. You can transfer your rewards and book flights or hotel stays. This redemption choice may provide better value, allowing you to stretch your rewards further and save more on travel costs.

But before you rush to transfer your rewards to an eligible travel partner, ensure availability for your award flight or hotel stay booking. You should also research all costs to know what to expect before you finalize your redemption. Here are the steps I suggest you take.

Step one: Search for availability

Whether you're hoping to use your rewards for a flight or hotel stay, you'll want to research availability first. Search for your desired flight or hotel with your preferred dates to see if bookings are available. You can log in to the travel partner's website to do this.

Why is this an important step to take? Once you transfer your rewards to a travel partner, you can't transfer them back to your credit card's issuer's rewards program. The last thing you want to do is find out there is no availability and be forced to use your rewards with one partner.

As a heads up, many travelers book award flights six to 12 months before their trip. If you're looking for last-minute availability, you may need to adjust your trip plans.

Step two: Review all prices

The next step is to review all costs associated with your intended booking. Most credit card reward hotel bookings don't charge additional taxes and fees. However, if you're making a redemption with points and cash, you may be charged additional taxes and fees.

If you use your rewards to book an award flight, expect to pay taxes and fees. Costs start at $5.60 per one-way flight for flights flying out of the United States. But these expenses can vary significantly depending on the carrier and the airport you're flying in and out of for your flights.

These fees can easily cost hundreds of dollars in addition to the points or miles required to book your award flight. Researching the total cost before you transfer your rewards is wise. This way, you don't end up with a big surprise when you get to the checkout screen.

Strategize before using your credit card rewards

It pays to strategize the best way to use your credit card rewards. As you earn rewards, review your available redemption choices to see if there's an option that offers more value. You worked hard to earn your rewards, so finding a way to stretch them is beneficial. If you're looking for a credit card that earns travel rewards, check out our list of the best travel credit cards .

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

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

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Bankrate's Best Travel Credit Cards of June 2024

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

Travel credit card perks

How do credit card points and miles work.

• Expert advice on travel cards

How we assess the best travel credit cards

• Frequently asked questions
• Ask the experts

Credit range

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

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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% cash back 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% cash back 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.

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

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How I Use Viator To Earn Triple Travel Rewards on Discounted Experiences

Christine Krzyszton

Senior Finance Contributor

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Table of Contents

1. visit the rakuten site, 2. book and pay for the experience, 3. earn viator rewards for future experiences, how much did i earn in rewards, final thoughts.

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

Booking organized experiences has become my new normal. As many of my travels are solo and short duration, I’ve gradually added organized experiences to my itinerary to maximize my destination time.

I like knowing I won’t miss any key sights or activities, and I can look forward to meeting other travelers.

These priorities led me to discover the experience booking site Viator, which has become my go-to for booking excursions wherever I travel.

Finding and booking an experience is just the beginning, though. I must find a way to earn rewards for my purchase. Fortunately, this is an easy objective.

These are the steps I follow to earn Chase Ultimate Rewards, Membership Rewards points, and Viator Rewards simultaneously on the same transaction.

Rakuten is a shopping portal that gives you cash-back or Membership Rewards points for purchases with participating merchants. The amount you receive varies by merchant and date.

I have the Rakuten browser extension on my desktop and it pops up whenever I visit a site participating in the rewards program. Alternatively, I can visit the Rakuten site and click on the merchant link (as depicted above).

I’ve been a member for years (it’s free) and have received hundreds of dollars in cash-back and Membership Rewards points.

When I’m ready to visit the Viator site from Rakuten, I can click the Shop Now icon and be directed to the Viator site. I can then select and book my preferred experience. The transaction is registered with Rakuten and confirmed once the purchase is completed.

Earning Membership Rewards

When I signed up for Rakuten years ago, only cash-back was available. Fortunately, now I can select which type of rewards I prefer, cash-back or Amex Membership Rewards points . I prefer Membership Rewards points as we value these at ~2.2 cents each due to their flexibility at redemption time.

Rewards default in the form of cash-back. I must actively select to receive my rewards as Membership Rewards points, calculated based on 1 point for each cent of cash-back. For example, $12 in cash-back equals 1,200 Membership Rewards points .

Rewards stay pending until the booked activity is completed, then move to earned status. Once a quarter, the Membership Rewards points are forwarded to my Membership Rewards account on file.

Viator is not a tour company but a site consolidating tour/activity/transport options for local service providers. Pricing has been consistent with the tour operators I’ve compared — Viator has never been more than $5 higher. I find it’s worth booking through Viator to avoid dealing with multiple providers, potential language barriers, and different communication methods.

After selecting an experience, I book and pay for the purchase. Of course, I pay with a card that earns well on travel purchases. Upon making a booking, I can message the tour operator, receive notifications, and access my digital tickets.

Use a Rewards-Earning Credit Card

I use my Chase Sapphire Reserve ® to pay for Viator purchases as the card earns 3x Chase Ultimate Rewards points per dollar spent on travel.

It’s my favorite card for traveling abroad . I use it for all my transit and dining expenses to earn bonus points, as the card does not charge foreign transaction fees.

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

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

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

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

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

I can also confirm that Viator codes as a travel purchase for Chase and American Express.

Once I’ve paid for my purchase, I receive an email from Rakuten confirming my rewards are in progress.

Additionally, I can confirm the transaction was recorded by checking the activity in my Rakuten account.

You can use the Chase Sapphire Reserve card’s $300 annual travel credit for your Viator purchase, as it qualifies as travel. However, purchases eligible for the credit do not earn Chase Ultimate Rewards points. Learn more about how to use the Chase Sapphire Reserve card’s $300 travel credit .

Viator has a rewards program that earns 5% on purchases. I apply rewards to purchases at checkout when I book my next Viator experience. Then, I pay the balance using my rewards credit card .

I’ve used the Rakuten shopping portal to earn Membership Rewards points , paid for the purchase with my Chase Sapphire Reserve card to earn Ultimate Rewards points , and earned Viator Rewards for future purchases.

Let’s review the stats and see how I did on my TranzAlpine day trip purchase with Viator.

Because I used the Rakuten portal when the cash-back offer was just 5%, I received 1,200 Membership Rewards points worth ~ $26.40 (1,200 x 2.2 cents each based on our valuations).

Using my Chase Sapphire Reserve card for the purchase, I earned 720 Ultimate Rewards points worth ~ $14.40 in value ($240 x 3x points = 720 Ultimate Rewards points x 2 cents each based on our valuations).

Plus, I earned $12 in Rakuten Rewards which I can use toward my next experience.

That’s a total of $52.80 in value on a $240 purchase ( 22% ). I could have had greater earnings had I utilized Viator during a Rakuten promotion, but I’m happy with the results.

I’ve found many ways to double dip, even triple dip, when making travel purchases, and so have our team members. Next up, check out this informative article on double-dipping rewards on the same purchase using Chase Offers, shopping portals, bonus earning categories, and Rakuten.

It’s worth noting that I used Viator as an example because it’s a site I use often. There are many ways to book experiences using rewards-earning cards. You’ll want to check out our article on the best credit cards for booking experiences .

Frequently Asked Questions

Is booking with viator more expensive.

In my experience, booking with Viator isn’t significantly more expensive. I’ve booked dozens of excursions with Viator. When I’ve compared pricing, I’ve found no greater than a $5 difference (higher) when booking via Viator.

Does Viator code as a travel purchase for Chase and American Express?

Based on the transactions I’ve made with Chase and American Express cards, Viator has always coded as a travel purchase.

How long does it take to receive the Membership Rewards points earned on Rakuten?

The Membership Rewards points earned with Rakuten are disbursed quarterly but it can take several weeks after the quarter ends to see the points in your account.

How do Viator Rewards work?

Viator Rewards are earned when booking activities on the Viator site. Rewards stay pending until your activity has been completed and are available after 24 hours to use as payment for future bookings.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

Discover the exact steps we use to get into  1,400+ airport lounges worldwide, for free  (even if you’re flying economy!).

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Protect Your Trip »

Top travel rewards programs prioritize flexibility, ease of earning.

U.S. News announces 2021-22 Best Airline Rewards Programs and Best Hotel Rewards Programs.

The 2021-22 Best Travel Rewards Programs

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The top airline and hotel rewards programs make it easy for travelers to earn points or miles and have been accommodating amid the coronavirus pandemic.

As many hotel and airline rewards enthusiasts know, the more you travel and the more you spend on travel, the more you can actually save on travel. This might come as a surprise to more novice trip planners or basic rewards members – and might seem too good to be true – but in reality, there are numerous ways to elevate your travel experience once you sign up for a travel rewards program. While you can earn and use points and miles when booking rooms and flights, today's travel rewards programs offer many more unique earning and redemption opportunities. Although traveling hasn't been a top priority for many people during the past year, now is a great time to research the best loyalty programs for your needs and start earning so you can accrue plenty of points and miles for your next big trip. Read on to find out all you need to know about the Best Travel Rewards Programs and see which programs are the most beneficial for everyday travelers.

When it comes to earning, hotel and airline loyalty programs continue to offer diverse ways for members to accumulate points or miles. For instance, Wyndham Rewards gives members the chance to earn points by booking tours and excursions while traveling, and Choice Privileges awards participants with points when they pay for rental cars and tee times at various golf courses. World of Hyatt offers members opportunities to collect points for services like spa treatments and fitness classes. As for IHG Rewards , members can accrue points when they plan events or weddings at participating properties. Meanwhile, Marriott Bonvoy 's partnership with Uber makes it possible for travelers to earn points for using the popular ride-hailing app. Delta SkyMiles also gives members a chance to rack up miles for ride-hailing services (plus other purchases like vacation rental stays and concert tickets) thanks to partnerships with Lyft, Airbnb and Ticketmaster. When members of the Alaska Airlines Mileage Plan are not accruing 1 mile for every mile flown (or a minimum of 500 miles) with the airline and its oneworld partners, they can earn miles for dog-walking services, flower deliveries and groceries, among other everyday purchases. Meanwhile, American Airlines AAdvantage provides frequent flyers opportunities to collect miles for cruises and rental car bookings, JetBlue TrueBlue lets participants earn points simply by flying with pets and Southwest Rapid Rewards awards members points for Marathon fuel purchases and Home Chef meal kit orders. Yet another top way to earn points or miles with a hotel or airline loyalty program is to sign up for a rewards credit card and use it for everyday spends.

One of the most popular and well-known ways to redeem points or miles is on a free hotel stay or flight. The programs that rank highly not only offer free nights or free flights at lower redemption rates, but they also provide additional ways for members to use their hard-earned accruals. Wyndham Rewards and Marriott Bonvoy members can put their points toward booking vacation rentals – travelers with Wyndham Rewards accounts can use points for stays at Vacasa and Cottages.com properties, while Marriott Bonvoy participants can book through Homes & Villas by Marriott International. World of Hyatt members can use points for off-site excursions and epic expeditions to places like the Galápagos Islands and Antarctica via Lindblad Expeditions. IHG Rewards participants can redeem points for dining or retail purchases, while travelers enrolled in Choice Privileges can donate their points to charitable organizations like COVID-19 relief funds. Many hotel rewards programs also make it possible for travelers to put extra points toward room upgrades and other goodies. When it comes to redeeming airline miles, several programs allow frequent flyers to use miles on cabin upgrades, hotel stays, retail gift cards and luxury airport experiences like lounge access and personalized airport assistance from a team member.

Keep in mind, travel rewards programs are not one-size-fits-all since different travelers prioritize different things. When choosing which hotel loyalty program (or programs) to enroll in, consider the types of properties (budget hotels vs. mid-range properties vs. luxury resorts) a particular brand offers. Also, pay attention to the number of properties a brand offers in the specific geographic areas you wish to explore. Typically, programs that provide a variety of hotel options at different price points appeal to everyday travelers since there are more choices to select from – whether you plan to pay in cash or redeem points for a stay. As for frequent flyer programs, sign up for those that help you get access to all the perks you are looking for, such as seat upgrades if you plan to fly far distances, priority boarding if you want to minimize airport wait times and checked bag allotments if you tend to pack a bit more than necessary. It's also helpful to seek out rewards programs with airlines that service numerous routes and have plenty of flight times (for maximum flexibility). You may also want to consider which airlines operate out of hub airports closest to your home.

Canceled events, delayed flights and seemingly endless customer service wait times have thrown a wrench into many travel plans during the past year. Luckily, a number of loyalty programs have instituted changes to account for disrupted or canceled travel plans due to the coronavirus pandemic, granting members more flexibility, more time to book travel and more ways to achieve or maintain elite status. For instance, Wyndham Rewards allows travelers of all membership levels to roll over extra qualifying nights for elite status into the next calendar year. Programs like Marriott Bonvoy and World of Hyatt allow travelers to store points for up to two years before they expire. As for frequent flyer programs, members of Delta SkyMiles, JetBlue TrueBlue and Southwest Rapid Rewards can postpone trips without worry since their miles or points never expire. What's more, as a result of the pandemic, several hotel and airline rewards programs – such as Choice Privileges, World of Hyatt, Wyndham Rewards, the Alaska Airlines Mileage Plan, Delta SkyMiles, Southwest Rapid Rewards and several others – reduced their elite status qualification thresholds or gave existing members a points or miles boost to make it easier to reach or keep elite membership.

To calculate these rankings, U.S. News analyzed travel rewards programs using a methodology that takes into account membership benefits, network coverage and a strong emphasis on the ease of earning and redeeming free flights or nights, among other data points. Read on to see the 2021-22 Best Hotel Rewards Programs and B est Airline Rewards Programs . (Note: When planning a trip, it's important to be aware of changing travel guidelines due to the ongoing coronavirus pandemic. Check with the Centers for Disease Control and Prevention, the U.S. Department of State and local tourism boards before traveling.)

Best Hotel Rewards Programs

• Wyndham Rewards
• World of Hyatt
• Marriott Bonvoy
• Choice Privileges
• IHG Rewards

See the full list »

Best Airline Rewards Programs

• Alaska Airlines Mileage Plan
• Delta SkyMiles
• American Airlines AAdvantage
• JetBlue TrueBlue
• Southwest Rapid Rewards

You may also be interested in:

• Where Can Americans Travel Right Now?
• Best Travel Rewards Credit Cards
• The 50 Best Hotels in the USA 2021
• Best Hotels by Brand
• Best Hotels in the Caribbean
• Best Hotels in Mexico
• U.S. News Best Vacations: Travelers Seek Nature, Adventure in 2021-22

Tags: Travel , Airlines , Hotels and Resorts , Vacations

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

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Moscow Tours & Travel Packages 2024/2025

Our 60 most popular moscow trips. compare tour itineraries from 45 tour companies. 308 reviews. 4.7/5 avg rating., popular moscow tours.

St Petersburg & Moscow in Style - Winter

• Explore the majestic St Petersburg & Moscow on private city tours
• Admire the rich Russian history, art and architecture
• Travel to Moscow on a highspeed train
• Enjoy the local cuisine in stylish restaurants

Lower Volga Voyage

• Visit magnificent Red Square and Kremlin and examine the collection at theKremlin’s State Armory.
• Experience Russia’s diverse musical traditions at lively folk music performances
• Explore Volgograd, the site of the decisive battle of World War II’s eastern front

Volga Dream Russian River Cruise

St Petersburg & Moscow in Style - Summer

White Russian - 7 days

• Discover Moscow's UNESCO-listed Red Square, home to spectacular St Basil’s Cathedral, Lenin's Mausoleum and the historic GUM Department store
• Explore the grounds of Moscow's mighty Kremlin, with its numerous governmentbuildings, gold-domed cathedrals and the giant tsar bell
• Celebrate New Year's Eve in Moscow!
• Take in the highlights of St Petersburg including a guided tour of the exquisite Church on Spilled Blood, Peter & Paul Fortress and Cathedral
• Take a guided tour of the remarkable Hermitage Museum at the Winter Palace

Vodka Shot - 6 days

• Explore the beautiful city of St Petersburg, including the exquisite Church on Spilled Blood, Peter & Paul Fortress and Nevsky Prospekt
• Marvel at the dazzling array of art and exhibits in the world-famous Hermitage Museum, at the Winter Palace in St Petersburg
• Discover a lavish residence of the tsars on a day trip to Catherine Palace at Tsarkoe Selo (winter: mid-October to April) or Peterhof Palace and gardens (summer: May to mid-October)
• Take in the highlights of the capital on a walking tour, visiting Moscow's famous Red Square, home to the historic GUM Department Store, Lenin’s Mausoleum and spectacular St Basil’s Cathedral
• Take a guided tour of the Moscow Kremlin, Russia’s political power house. Stroll around the grounds of this fortified complex, visit the Kremlin's cathedrals and see the mighty Tsar Bell

Route of the Romanovs - 10 days

• Learn about the last days of the Romanovs in Yekaterinburg, visiting the sites where Tsar Nicolas II and his family were assassinated and buried
• Straddle two continents at the famous obelisk Europe/Asia border marker in Yekaterinburg
• Experience the Trans-Siberian railway on an overnight train journey from Moscow to Yekaterinburg

New Year's in Moscow - 9 days

• Visit Catherine Palace at Tsarkoe Selo on Christmas Day and marvel at the incredible Amber Room
• Spend a night in Novgorod, an ancient city by the Volkhov River - explore the kremlin, cathedral and other sights and enjoy a traditional Russian banya (sauna)

All Moscow , expedition cruises, self guided adventures and vacation packages. Find the best guided and expert planned vacation and holiday packages. Read more about Moscow

Small Group Moscow Tours

Back in the USSR - 7 days

Russian Revolution - 9 days

• Visit historic Novgorod, an ancient city which straddles the Volkhov River. Explore the attractive riverside kremlin and experience a traditional Russian banya (sauna)

The Snowball - 6 days

• Visit Catherine Palace at Tsarkoe Selo and marvel at the incredible Amber Room

Mood for Moscow - 4 days

• Head underground to visit a Stalinist-era Soviet Bunker on an optional excursion
• Stroll to the vibrant Izmailovo Market, which lies behind the walls of an ancient Kremlin, and shop for an array of souvenirs

Best Moscow Tours by Duration

Tours, Cruises & Private Trips

Best Moscow Tours by Price

Top Moscow Attractions

Moscow Tours & Travel

Moscow Attractions & Landmarks Guide

Trip reviews, capitals of the north.

some hotels could have been better

It was jam packed with every place I wanted to go and see. I especially love my photo of us setting out on the night time river cruise in St Petersburg and the Peter...

I really did not buy much and what I did buy was small gifts for others .

Johanna-Marie

Good hotels, some better than others. Interesting itinerary

Too rushed. Optional tour rather too short

See all Moscow reviews

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13-day in-depth discovery of Moscow, Kazan, and St. Petersburg

7-day tour designed to harness the best of the Venice of the North

11-day private discovery of Moscow, St. Petersburg, and the Golden Ring

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Moscow Vacation Packages

Moscow vacations are always a great idea when it comes to traveling in Russia. Plan your trip to Moscow with a leading tour operator for Russia and enjoy the ease and pleasure that comes from it. You will stay at the centrally-located hotels, enjoy guided tours to Moscow's best sights with charming local guides, and, most importantly, feel relaxed and immersed in the Russian culture at all times. Wondering what the ideal way to see the best of Moscow is? Well, with a private tour to Moscow, of course! We will listen to your travel preferences and prepare a custom Moscow itinerary just for you. Let's start talking about your upcoming vacation to the gorgeous capital city of Russia.

Moscow Tour Highlights

Explore the capital of the largest country in the world, Russia.

Learn about the most visited sights in Moscow that are worth adding to your Russian itinerary. Create a fantastic tour to Moscow with a destination, choosing your wished activities.

• Moscow walking tour
• The Red Square
• St Basil's Cathedral
• Moscow Subway ride
• Tretyakov Gallery
• The Red Square in Moscow
• The Bolshoi Theater
• Cathedral of Christ the Savior
• Moscow's Kremlin exploration
• 'Seven Sisters' Skyscrapers

Tips for Moscow Travel

Take a look at the good-to-know tips before visiting Moscow and have a fantastic time in the capital.

What to pack

Make sure to check the weather prognosis before your trip and pack accordingly.

When to travel

Moscow is beautiful all around the year. Choose traveling time according to preferred activities.

We suggest to always have some cash with you. You will need Rubles (RUB) for Russia.

How much to tip

Tipping is not required in Russia, but it's considered good etiquette, tip 10%-15% of your bill.

The average summer temperature is approx 18°C (64°F), and winter is around -6°C (22°F).

Some of the most popular souvenirs from Moscow are caviar, Krasnaya Moska perfume.

Best Moscow Sights

One of the highest points in Moscow and one of its most breathtaking places - the Sparrow Hills.

See the 344-feet Cathedral of Christ the Savior - the tallest Orthodox church in the world.

Enjoy masterpieces of Russian opera and ballet in Moscow's legendary Bolshoi Theater.

Being the most recognizable symbol of Russia in the world, Red Square is an absolute must see when in Moscow. 

The famous GUM is a large department store in the Kitai-gorod part of Moscow facing Red Square.

St. Basil’s Cathedral is Moscow’s most famous artistic work of architecture set in the romantic Red Square.

History and luxury is revealed inside the Kremlin as the Armoury Chamber displays treasures like Faberge Eggs.

The symbol of Moscow and entire Russia, the Kremlin is often described as the 8th Wonder of the World.

Moscow Metro is like a whole underground city that holds the world's largest collection of Stalinist Art.

I am very satisfied.

I have been using the Firebirds (Travel All Russia) services for a while. I am very satisfied.

WOW. From the choice of hotels to...

WOW. From the choice of hotels, an itinerary that ran to plan, the amazing Guides and drivers, and of course the stunning cities of Moscow and St Petersburg. No long queues for entry to museums, churches, and palaces.  I would gladly recommend using Firebird Tours (Travel All Russia) to anyone.

THANK YOU for making this happen for me !!!

I must say from the day I started to book my tip till the day I got home I had one GREAT trip and experience I always felt safe and cared for help was seconds away not that I needed any I will defiantly highly recommend your company to any traveler to Russia WELL DONE to the Whole team THANK YOU for making this happen for me !!!

We enjoyed the whole trip a lot

Overall we enjoyed the whole trip a lot. Moscow is beautiful and clean. Thank you very much for your patience and excellent organization of this tour. Everything ran very smoothly and according to schedule. The guides met us on time at hotels or at our train carriage on arrival. They all spoke good English, had a good local knowledge and were very kind and helpful.

The tour lived up to all expectations

I’m most pleased with Travel All Russia in arranging our ‘Volga Dream’ Russia tour, I would recommend using your services again as every aspect of our tour went off without a hitch. The communication between our tour representative was excellent as we required additional days on both ends of our tour. The visa process and the logistics were flawlessly implemented.

We had a great time in Moscow!

Everything was perfect and we are very satisfied with services and accommodations.

Loved my time in Russia

The trip was great. Especially want to mention the guides I had on the extra days were exceptional. Both guides and drivers worked out well. Thanks again for all your help and attention. Loved my time in Russia, and still haven’t stopped talking about it.

Exploring Magnificent Russian Capitals, June 2017

Just want to say that our guide in St Petersburg was really outstanding. You really felt like someone was looking after you. Very observant - knowledgeable. We really enjoyed time spent with her.

Exploring Vibrant Moscow, June 2017

The experience was great!!! We had an excellent guide. The hotel was fabulous.

Thank you for your help !!! was an unforgettable trip.

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How to use the chase travel portal.

One of the many perks of using a Chase branded credit card is the opportunity to earn and redeem points for travel-related purchases. What’s more, did you know that you could maximize your points value and reap even more rewards points by booking through the Chase Travel portal?

To make the most of your purchases for travel, you can book your flights, hotels and more through the Chase Travel portal.

To help you navigate the rewards program, we’ll go over:

How to earn and redeem Chase Ultimate Rewards points

Accessing the chase travel portal.

• How to book flights through the Chase Travel portal

Booking hotels through the Chase Travel portal

How to book rental cars, cruises and other types of travel.

• The benefits of booking travel in the Chase Travel portal
• Additional tips and tricks for the Chase Travel portal

Chase Ultimate Rewards points are earned by using your Chase branded card on everyday purchases. When you use your Chase card(s), you can also earn points by making purchases on:

• Paid reservations
• Restaurant bookings
• Hotel reservations

Depending on the Chase credit card you use, you can be eligible for a wide range of perks and rewards. All Chase family cards, such as Freedom ® , Sapphire ® and Ink ® , earn points that can be redeemed on the Chase Ultimate Rewards portal.

To access the portal, go to the booking platform at www.chasetravel.com or login to your Chase Ultimate Rewards account and go to your Chase credit card’s main dashboard.

Next, click on the “Earn/Use” button where the number of points you have is listed. Choose “Travel” from the options listed, and this will take you to the travel portal.

How to book flights through Chase Travel portal

Rather than making your flight purchases externally, book your flights using the Chase Travel portal so you can get rewards on airfare. To do this, access the travel portal and search for the flight you want. You can filter your search by cost, airline, departure/arrival time and departure airport.

Once you’ve found the flight of your choice, select your option and purchase your flight using your Chase card. If you have Ultimate Rewards points available, you can use them to pay for all or part of your flight, and/or other travel-related purchases.

Similar to flights, you can redeem your Ultimate Rewards for hotel reservations. To do this, search by destination to see available hotels. You can narrow your search by filtering for price/amenities/ratings, type of property, number of bedrooms, neighborhood and more.

Select your hotel option, then continue to confirm your booking using your Chase card or redeeming your Ultimate Rewards to help make your purchases.

You can use the portal to book rental cars, activities and other travel-related purchases. To book a cruise line, you need to call directly.

For car rentals, be sure to use the appropriate points connected to your specific card to get additional perks, such as car insurance.

The benefits of booking travel in Chase Travel portal

Travel costs can add up easily, but if you’re using the portal to redeem your points, you are giving your points good use with certain cards. On the other hand, using the portal could also help you earn more points on your purchases. For example, you can get even more points on flights if you book through portal. These points can later be redeemed on your future travels.

Chase Travel portal summary

No matter where your next adventure takes you, use the Chase Travel portal to book hotels, flights and more. Earning points through the portal can unlock future opportunities for you to take trips in one platform.

• card travel tips

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