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Best instant approval credit cards [2024]: find the card for your needs.

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An instant approval credit card could give you an immediate response as to whether you’re approved or denied for a credit card. But that doesn’t mean you’re guaranteed instant approval or even approval with this type of card.

Most major credit card issuers provide opportunities for instant approvals through their online card applications. And some issuers may also provide ways to immediately receive your card details if you’re approved, which is a way to start using your card before the physical version arrives in the mail.

Let’s explore the best instant approval credit cards to help you decide the best option for you.

Key takeaways

The best instant approval credit cards, comparison of the best instant approval credit cards, how to use an instant approval credit card, faq about instant approval credit cards, best instant approval credit cards: bottom line, methodology.

• Most major credit card issuers provide instant approvals, but that doesn’t mean your applications will be instantly approved every time. In some cases, you might have to wait for further review. You could also be denied when you apply, or after the review.
• Instant approvals don’t always mean instant card access. Some issuers let you use your card right away by giving you access to its information, while others require you to wait to receive the physical card in the mail to begin using it.
• American Express and Chase are two of the best card issuers who provide ways to use your new credit cards immediately after approval.

Chase Sapphire Preferred ® Card

Wells fargo active cash ® card, ink business cash ® credit card, capital one venture rewards credit card, blue cash preferred ® card from american express, citi custom cash ® card, bank of america ® travel rewards credit card, u.s. bank altitude ® connect visa signature ® card.

We recommend the Chase Sapphire Preferred as one of the best travel credit cards available because of its many excellent perks and benefits. The Chase Sapphire Preferred has a $95 annual fee.

Chase is one of the issuers that may deliver an instant decision on whether or not you qualify for a card. This means that after you apply for the Chase Sapphire Preferred, you may receive instant approval, instant denial, or pending status – where your application requires further review.

Welcome offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards rate: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

Why we like the Chase Sapphire Preferred

The Chase Sapphire Preferred is a great credit card for travelers, whether you travel frequently or only occasionally. Its $95 annual fee makes it relatively easy to hold onto this card year after year, especially if you’re able to take advantage of its many perks and benefits.

This includes using its $50 annual statement credit for hotels booked through Chase Travel℠ and taking advantage of the 25% redemption bonus for travel booked through Chase Travel℠. That redemption bonus can come in handy if you combine Chase Ultimate Rewards points by pairing multiple Chase credit cards .

What we don’t like about the Chase Sapphire Preferred

There’s a $95 annual fee, which isn't as high as some other travel credit cards, but it isn’t $0. That said, we believe the benefits and rewards you earn with the Sapphire Preferred are often more than enough to offset the annual cost.

Another downside is not having any intro APR offers or premium travel benefits, such as airport lounge access.

Learn more in our Chase Sapphire Preferred review .

The Wells Fargo Active Cash makes sense if you want a simple, cash rewards credit card.

Wells Fargo may offer an instant decision when you submit a credit card application. This means you could receive an approval or denial decision within minutes of submitting your application. Remember, just because they offer a chance of receiving an instant decision doesn’t guarantee you will be approved.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards rate: Earn 2% cash rewards on purchases.

Why we like the Wells Fargo Active Cash

There’s nothing complicated about the Wells Fargo Active Cash. If you want to carry only one card in your wallet at a time, this could easily be that card.

The Active Cash also provides cell phone protection and these introductory APR offers:

• 0% intro APR for 15 months from account opening on purchases (then 20.24%, 25.24%, or 29.99% Variable)
• 0% intro APR for 15 months from account opening on qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable)

What we don’t like about the Wells Fargo Active Cash

There aren’t any bonus categories, which means you can’t earn higher reward rates on certain purchases. This card might be simple to use, but you might discover it’s more rewarding to use multiple credit cards with higher rates for specific bonus categories.

Learn more in our Wells Fargo Active Cash review .

The Ink Business Cash might be a good fit if you have a business with expenses that align with its bonus categories.

Similar to its approach to consumer credit card applications, Chase may offer instant decisions when you apply for business credit cards. However, instant approval or denial decisions for Chase business credit cards might not be common. Instead, your application may require further review before you receive a decision.

Learn how to check your Chase application status .

Welcome offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Rewards rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

Why we like the Ink Business Cash

The bonus categories on the Ink Business Cash make it one of the most appealing rewards business credit cards available. Unless you’re a high-spending business, it’s tough to find a better return on such common business expenses.

You can also take advantage of this intro APR offer on purchases:

• 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable)

What we don’t like about the Ink Business Cash

This isn’t the best card for international travel because you have to pay foreign transaction fees on applicable purchases. There’s also no intro APR on balance transfers.

Learn more in our Chase Ink Business Cash Credit Card review .

The Capital One Venture Rewards could make sense if you want a simple rewards rate for earning travel rewards on eligible purchases.

Capital One may give you an instant decision for credit card applications. According to the issuer, you might be able to find out if you are instantly approved or denied within 60 seconds when you apply for a Capital One credit card online or by phone.

However, your application may also require further review. In this case, you would need to wait for a number of days to receive the decision.

Welcome offer: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.

Rewards rate: Earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Why we like the Capital One Venture Rewards

It doesn’t get much simpler than the Capital One Venture Rewards’ earning rate, making it easy to carry only one rewards credit card in your wallet.

What we don’t like about the Capital One Venture Rewards

You have to pay a $95 annual fee. Additionally, there aren’t many bonus categories for earning higher rates on specific purchases, and the Venture Rewards doesn’t have intro APR offers.

Learn more in our Capital One Venture Card review .

The American Express Blue Cash Preferred makes sense if you want to earn high rewards rates on everyday expenses.

American Express may instantly decide whether you’re approved or denied for your credit card application. However, some applications may require further review.

If you get instantly approved, you might be able to get your credit card information, including its number and other information you need to use it. American Express may also allow you to add your credit card to digital wallets to be able to use it at eligible retail stores.

Welcome offer: Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months.

Rewards rate: Earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases.

Why we like the Amex Blue Cash Preferred

There aren’t many rewards cards that can compete with the earning potential of the Amex Blue Cash Preferred. This is especially true with the potential to earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services.

And you can take advantage of these intro APR offers:

• 0% intro APR for 12 months on purchases (then 19.24% - 29.99% Variable )
• 0% intro APR for 12 months on balance transfers (then 19.24% - 29.99% Variable )

What we don’t like about the Amex Blue Cash Preferred

There’s a limit to how many rewards you can earn with the highest bonus category. You also have to pay a $ 0 intro annual fee for the first year, $95 per year thereafter annual fee and foreign transaction fees on applicable purchases.

Learn more in our American Express Blue Cash Preferred review .

The Citi Custom Cash card makes sense if you want to customize how you earn rewards on everyday purchases.

In some cases, Citi may provide an instant approval or instant denial of your credit card application. Your application may also require further processing or review.

Welcome offer: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Rewards rate: Earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases; plus, as a special travel offer, earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Why we like the Citi Custom Cash card

Customizable cashback rewards give you some control over how you earn rewards each billing cycle, which is helpful if you frequently spend high amounts in different categories.

The Citi Custom Cash card also provides these intro APR offers:

• 0% intro APR for 15 months on purchases (then 19.24% - 29.24% (Variable))
• 0% intro APR for 15 months on balance transfers (then 19.24% - 29.24% (Variable))

What we don’t like about the Citi Custom Cash card

There’s a limit to how many rewards you can earn at the highest rate each billing cycle. You also have to pay foreign transaction fees on applicable purchases.

Learn more in our Citi Custom Cash Card review .

The Bank of America Travel Rewards makes sense if you want a simple card for earning points on all your eligible purchases.

This card makes even more sense if you’re a Bank of America Preferred Rewards® member because you can boost your earning by up to 75%. To become a Bank of America Preferred Rewards® member, you need to have an active and eligible Bank of America checking account and a 3-month combined average daily balance of $20,000 or more between your Bank of America deposit accounts.

Sometimes, Bank of America may instantly approve or deny your credit card application. If you don’t get an instant approval or denial, you may have to wait for a decision after the issuer reviews your application.

Welcome offer: Earn 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.

Rewards rate: Earn 1.5 points per $1 spent on all purchases.

Why we like the Bank of America Travel Rewards

The Bank of America Travel Rewards has a no-stress rewards rate, and you can boost your earning potential by 25% to 75% as a Bank of America Preferred Rewards® member.

And intro APR offers on this card include:

• 0% intro APR for 15 billing cycles on purchases (then 19.24% - 29.24% Variable)
• 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days (then 19.24% - 29.24% Variable)

What we don’t like about the Bank of America Travel Rewards

There aren’t any bonus categories for higher earning rates on specific purchases. And becoming a Bank of America Preferred Rewards® member might not make sense for everyone, considering you need at least $20,000 in eligible deposits or investments to qualify.

Learn more in our Bank of America Travel Rewards credit card review .

The U.S. Bank Altitude Connect makes sense if you want an elevated earning potential on specific travel-related bonus categories.

U.S. Bank may make a decision on your credit card application instantly. This means you may receive an approval or denial right after filling out and submitting your application. However, the bank may need to further review your application before providing a decision in some cases.

Welcome offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.

Rewards rate: Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, EV charging stations through 9/8/24, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded); 2X points on dining, streaming services and at grocery stores; and 1X points on all other eligible purchases.

Why we like the U.S. Bank Altitude Connect

The U.S. Bank Altitude Connect provides excellent earning opportunities on bonus categories that make sense for frequent or occasional travelers. You can also take advantage of loads of additional perks and benefits, including cell phone protection, airport lounge access, and up to a $100 statement credit for Global Entry or TSA PreCheck every four years.

What we don’t like about the U.S. Bank Altitude Connect

You have to pay a $95 (waived first year) annual fee, and there aren’t any intro APR offers.

Learn more in our U.S. Bank Altitude Connect Visa Signature review .

An instant approval credit card is a type of credit card where you can be instantly approved after submitting your credit card application.

Instant approval credit cards don’t guarantee approval, as you could also be instantly denied. Your application could also require further review before ending up getting approved or denied. Applying for an instant approval credit card still typically requires a credit check into your credit history using one or multiple credit reports from major credit bureaus.

The best instant approval credit cards might be challenging to get if you have no credit, or poor, bad, or fair credit. Your chances of qualifying could be higher with a good or excellent credit score. A good credit score is at least 670, according to the FICO scoring model. Keep in mind that credit card issuers use several factors to determine your creditworthiness, so your credit score alone doesn’t guarantee approval.

Not every instant approval credit card provides you with card details immediately upon approval. In many cases, you have to wait until your physical card arrives in the mail before you can use it.

However, some card issuers provide instant credit card numbers or ways to add your new card to digital wallets so you can immediately start making purchases before the physical card arrives.

Can you immediately use your card with American Express?

In our experience, American Express is one of the best card issuers if you want to immediately start using your credit card after being approved.

In most cases, you can access a full credit card number and PIN after completing an online application and getting approved. You may also receive a welcome email with a link to access your instant card number. This makes it easy to immediately start shopping online since there’s no need for a physical card.

Another option to instantly access the information of American Express credit cards after approval is to add a new card to a digital wallet by manually entering your card details in the applicable app. Amex instant card numbers work with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal, and Amazon Pay.

American Express states that its instant card numbers are available for American Express consumer credit cards. So that means you might not be able to get an instant card number for an American Express business card. However, we were able to receive instant card numbers for the Amex business cards in our experience.

Can you immediately use your card with Chase?

With certain Chase credit cards , you can immediately start using your card before it arrives in the mail. This is primarily through the use of digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

After you get approved for an eligible Chase credit card, you can use the Chase mobile app to add your new card to an available digital wallet. You simply have to log into your card account, select your card, and then add it through the “Digital Wallets” section of “Account Services.”

Note that this method isn’t quite as flexible as American Express’s instant card numbers, because not all retailers accept digital wallets.

Can you immediately use your card with Capital One?

Capital One provides a few ways to start using new Capital One credit cards right away. But keep in mind that not every new Capital One cardholder will receive instant access to their card after approval.

In some cases, you might receive an instant card number immediately after approval. If not, it might show up after you log into your online account. You also might be able to link your new Capital One credit card to PayPal through your online account before you receive the card in the mail.

However, these methods don’t always work, and you might have to wait to receive your physical card in the mail before you can use it.

Can you immediately use your card with Citi?

Some reports indicate that Citi may provide instant card numbers following instant approval. This may apply to some, but not all, Citi credit cards .

This was also our personal experience with this credit card issuer. However, keep in mind that you get only one chance to view and save this number and other relevant information.

Can you immediately use your card with U.S. Bank?

After receiving instant approval for a U.S. Bank credit card, we were able to view the card number and other relevant information through the U.S. Bank mobile app. This matches reports of instant credit card numbers being provided by this credit card issuer.

The app also allowed us to add the card to digital wallets. However, the only option available was PayPal. However, using the credit card information, we were able to use it for online purchases until the physical card arrived in the mail.

Can you immediately use your card with Wells Fargo?

While Wells Fargo may provide an instant decision for your credit card application, it doesn’t typically offer instant credit card numbers or other methods of using your credit card before receiving it in physical form.

Can you immediately use your card with Bank of America?

Bank of America may occasionally offer an instant card number and relevant information to some applicants after they get instantly approved for certain credit cards. However, there is no guarantee that you will actually receive instant access to your card.

Can you be immediately approved for a credit card?

You might be able to, depending on the credit card issuer, your specific application, and various other factors. The best credit cards typically provide the opportunity to receive instant approval through online applications. However, this opportunity doesn’t guarantee that you’ll be approved. You also might receive an instant denial, or your application might require further review before getting approved or denied.

Which credit card company gives you instant card numbers?

American Express is our recommended credit card issuer for providing instant card numbers and information after being approved for a credit card. You can typically receive an instant card number immediately after being approved, which means you can start using your credit card online or through digital wallets before the physical card shows up.

Can I get a physical credit card on the same day I apply?

You typically can’t receive a physical credit card on the same day you apply and get approved. If you are approved, it could take 3 to 5 business days or more for your physical card to be created and mailed out. Some credit card companies provide expedited shipping, but that can still take a few business days.

Instant approval credit cards are common, especially from major credit card companies, including American Express, Chase, and Capital One. But that doesn’t mean you’re guaranteed instant approval or approval at all, as you could still be denied, either instantly or after a review.

If you receive instant approval, you might also have the opportunity to immediately receive your card details, depending on the credit card issuer. This can help you use your card before the physical version arrives.

Learn more about different credit card offers and compare credit cards to find the right option for you.

To determine the best credit cards that may offer instant approval, we researched major credit card issuers and analyzed their approval processes. We also examined the main features and benefits of various credit cards offered by these credit card issuers.

Once we compiled a list of instant approval credit cards, we evaluated each card based on several key factors, including its welcome offer, earning rate, annual fee, and more. We also considered the overall value of each card in terms of its benefits and costs.

It is important to note that our analysis is based on publicly available information and subject matter expertise in the credit card industry. Keep in mind that our recommendations do not include all available instant approval credit cards, and we did not rank the cards in any particular order.

Our recommendations are meant to offer a starting research point and to provide helpful information on a selection of instant approval credit cards that may be suitable for various people.

Lucrative, Flat-Rate Cash Rewards

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Current Offer

• $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Rewards Rate

Earn 2% cash rewards on purchases

• Earn unlimited 2% cash rewards on purchases
• Intro APR on purchases and qualifying balance transfers
• $0 annual fee
• Has foreign transaction fee
• No bonus categories
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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• Best Credit Cards
• Balance Transfer
• No Annual Fee

On this page

• Our top picks
• Instant approval credit card details

What is an instant approval credit card?

• Pros and cons

How to choose an instant approval credit card

• How to maximize your instant approval credit card
• Our methodology

Frequently Asked Questions

Best instant approval credit cards of may 2024.

April 25, 2024

How we Choose

Instant approval credit cards let you know if you’re conditionally approved or denied within seconds of submitting your application. A quick decision can be beneficial if you need quick financing but are worried you won’t be approved. With fast approval, you can breathe a sigh of relief. And while a denial may be disappointing, knowing right away gives you a chance to quickly get back on track to finding the right credit card for you.

There are instant approval credit cards for all credit types. But it’s important to note that not everyone will receive instant approval. So whether you’re building credit or seeking generous rewards, keep reading to learn more about instant approval credit cards, how they work and what you can do to help ensure you qualify for instant approval.

Best Instant Approval Credit Cards:

• Blue Cash Everyday® Card from American Express : Best for welcome offer with no annual fee
• OpenSky® Secured Visa® Credit Card : No credit check needed
• Discover it® Secured Credit Card : Best for building credit with no annual fee
• Blue Cash Preferred® Card from American Express : Best for cash back
• Self-Credit Builder Account : Credit builder account

Blue Cash Everyday® Card from American Express

Rewards rate

At a glance.

See if you’re pre-approved for this card using our CardMatch tool .

Overall rating

Why we like this card.

The Blue Cash Everyday Card is a nice, all-purpose credit card that can add some value to your wallet. It has the option for instant approval and if you are approved it also provides an instant card number that immediately begins earning 3% cash back at U.S. supermarkets, U.S. gas stations and U.S online retail purchases (on up to $6,000 in purchases per year in each category, then 1%), and 1% back on other purchases.

Benefits for new cardmembers include an intro APR on purchases and balance transfers and $0 Buy Now, Pay Later intro Plan It fees on plans created during the first 15 months after account opening. Any plans created after that will have a plan fee up to 1.33% for each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

• This card comes with no annual fee and includes the opportunity to earn a $200 statement credit after you spend $2,000 in purchases within the first six months.
• No rotating categories or enrollment required for rewards rates.
• There is a 29.99% variable penalty APR if you make a late payment or your payment is returned to your bank.
• The 3% cash back on U.S supermarkets excludes superstores (like Walmart and Target) and warehouse clubs (like BJs and Costco).

Bottom Line

The Blue Cash Everyday Card doesn’t stand out in the crowded field of rewards cards, but it’s still a good choice for households looking to earn some cash back on their everyday purchases.

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.

Rates & Fees

Opensky® secured visa® credit card.

If you have a less than ideal credit history – or no credit history at all – the OpenSky Secured Visa is a secured credit card that offers a great opportunity for building your credit. On top of easy approval, OpenSky doesn’t require any credit check to apply for the card and offers everyone who is approved the same APR and credit limit range. Like many similar cards, this card has an annual fee ($35) and requires an initial refundable deposit (from $200 to $3,000), which will serve as your credit limit.

The OpenSky Secured Visa also charges a lower-than-average APR that sets it apart from other secured cards or cards for people with bad-to-fair credit and offers $0 fraud liability and auto rental insurance.

• This card does not require a credit check and provides a low barrier to entry for those with bad-to-fair credit.
• Low APR compared to other cards in this category.
• You’ll pay a $10 monthly inactive account fee if you don’t use the card for a year.
• Credit newcomers who don’t have the ability to secure a card with a deposit should look elsewhere.

If your credit is an obstacle for getting approved for a credit card, this extremely accessible card is a great stepping stone and offers a lower-than-average APR for those who might be carrying a balance.

• New feature! Earn up to 10% cash back on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

Discover it® Secured Credit Card

The Discover it Secured Credit Card can help you get on a path to good credit and better financial products while helping you earn cash back. Unlike most secured credit cards, Discover lets cardmembers earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. All other purchases earn 1%. Plus, with Unlimited Cashback Match™, Discover automatically matches all the cash back rewards you’ve earned (only at the end of your first year).

• This card has no annual fee and reports your card usage to the three major credit bureaus.
• After seven months, your account will automatically be reviewed for an upgrade to an unsecured line of credit.
• This is a secured credit card that requires a minimum security deposit of $200 before you can use it.
• Rewards are capped at $1,000 in combined purchases each quarter.

This secured credit card is a solid pick for people who are new to credit or trying to rebuild their credit.

• No credit score required to apply.
• No Annual Fee, earn cash back, and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• 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.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
• Terms and conditions apply.

Blue Cash Preferred® Card from American Express

When life happens and you need to make an emergency purchase fast, Amex has you covered. This credit card has potential for instant approval and also comes with instant access. Upon approval, eligible cardmembers will receive an instant credit card number and can immediately begin making purchases – and earning cash back. Plus, earn a $250 statement credit after spending $3,000 on purchases in the first six months.

If you need time to pay off those purchases, Amex’s Buy Now, Pay Later lets you split up large purchases into monthly installments. And for the first 12 months after account opening, cardmembers can enjoy $0 intro plan fees when you use Plan It®. (Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.)

• Top rewards perks include an impressive 6% cash back at U.S. supermarkets (on up to $6,000 in purchases each year, then 1%) and on select U.S. streaming services.
• Enjoy an intro APR on purchases and balance transfers.
• The spending cap on the U.S. supermarket bonus category will be a letdown to those with larger grocery budgets.
• You could get hit with a 29.99% variable penalty APR if you make a late payment or your payment is returned to your bank. That penalty will stay in place for a minimum of six months.

Thanks to high rewards rates and a generous welcome offer, the Blue Cash Preferred Card has the potential to put hundreds of dollars back into your wallet.

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.

Self — Credit Builder Account

The Self – Credit Builder Account is a little different from a traditional credit card as you won’t have the experience of actually swiping the card, but it’s an excellent tool for building your credit and practicing healthy financial habits. This account, which alerts you almost instantaneously whether you’re approved, reports to all three credit bureaus. It also requires no credit history and you won’t face a hard pull on your credit either, making it a good choice for credit-builders.

Similar to a savings account, but with the ability to build credit, Self will set you up with a small loan with a regular APR of 12.03% to 15.98% (variable) that’ll be saved in a CD for 24 months ($25 minimum payment each month), and, at the end of the account term, your CD savings will unlock.

• This account reports to all three credit bureaus and includes credit monitoring, no hard credit pull and no credit history required.
• At the end of account term, you've built credit history and your CD savings will unlock.
• This is a credit-building account as opposed to a credit card, so you won’t have access to a credit limit.
• There is a one-time account fee of $9.

Individuals looking for easy approval and a set routine for establishing credit will see a lot of benefit from this unique account, but those looking to accumulate rewards or learn by swiping a physical card may get more utility elsewhere.

• Savings plans start at $25/month and includes credit monitoring
• Reports to all 3 credit bureaus. No hard credit pull and no credit history required
• Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
• At the end of account term you've built credit history and your CD savings unlocks

All information about the Green Dot primor® Visa® Gold Secured Credit Card and the UNITY® Visa Secured Credit Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

Comparing the best instant approval credit cards

Editor’s picks: instant approval credit card details, blue cash everyday® card from american express: best for welcome offer with no annual fee.

Why we picked it : Households can earn a decent amount of cash back using the Blue Cash Everyday Card: 3% cash back at U.S. supermarkets (on up to $6,000 in purchases per year in spending, then 1%), 3% cash back at U.S. gas stations (on up to $6,000 in purchases per year in spending, then 1%), 3% cash back on U.S. online retail purchases (on up to $6,000 per year in spending, then 1%) and 1% cash back on other purchases.

Pros : There’s an enticing welcome offer to earn a $200 statement credit after you spend $2,000 in purchases within the first six months.

Cons : Compared to the Blue Cash Preferred® Card from American Express , the Blue Cash Everyday Card falls a bit short. In the battle of the Amex Blue Cash Everyday vs. Blue Cash Preferred , the Blue Cash Preferred offers higher rewards rates and a bigger welcome offer.

Who should apply ? The Blue Cash Everyday Card is a good fit for people comfortable earning rewards on their everyday spending in select bonus categories.

Who should skip ? This isn’t the card for people eager to maximize the rewards they can earn on their spending. And if you qualify for the Blue Cash Preferred card, it makes more sense to enjoy all the features and benefits of that card for a moderate ongoing $95 annual fee ($0 intro annual fee for the first year).

Read our Blue Cash Everyday® Card from American Express review.

OpenSky® Secured Visa® Credit Card: Best for no credit check needed

Why we picked it : This card has no credit check, making it a great option for someone looking to get a credit card without a credit history.

Pros : The initial refundable deposit you make to secure the card (starting at $200) will serve as your credit limit, giving you some control. It also has basic Visa benefits, such as $0 fraud liability.

Cons : This card comes with an annual fee of $35 per year. Plus, as this card is specifically designed for building credit, it offers no rewards program.

Who should apply ? If your credit is an obstacle to getting approved for a card, this secured option can be a great stepping stone to a card with more features and benefits. The simple approval process and lack of credit check make it highly accessible.

Who should skip ? This card is especially unforgiving for anyone who may make late payments, as there is an up to $38 late payment fee.

Read our OpenSky Secured Visa Credit Card review .

Discover it® Secured Credit Card: Best for building credit with no annual fee

Why we picked it : The Discover it ® Secured Credit Card comes with plenty of features for credit builders. Its top perks include no annual fee, free credit score and credit monitoring, automatic account reviews after seven months, $0 fraud liability and no late fee the first time you make a late payment (up to $41 after that).

Pros : This is a secured credit card that also earns rewards: Cardmembers earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. All other purchases earn 1%. Plus, Discover matches all the cash back you’ve earned at the end of your first year.

Cons : The $200 minimum security deposit could be a hurdle for some. And the high variable APR means you could rack up significant interest charges if you don’t pay your balance in full each month.

Who should apply ? If you need to improve your credit and want to earn rewards in the process, the Discover it ® Secured credit card is a great choice.

Who should skip ? You’ll need to have a bank account to make your security deposit. If you don’t have one, you’ll need to find a different credit card.

Read our Discover it® Secured Credit Card review.

Blue Cash Preferred® Card from American Express: Best for cash back

Why we picked it : With consumer prices rising, the Blue Cash Preferred Card can help ease the pain we’re feeling with our everyday purchases. Cardmembers earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases, then 1%) and on select U.S. streaming services, 3% cash back on transit and at U.S. gas stations and 1% back on other purchases.

Pros : The amount of cash back rewards you can earn in your first year are truly impressive. There’s also a welcome offer of $250 statement credit when you spend $3,000 within the first six months of account opening.

Cons : The $6,000 spending cap in the U.S. supermarket category averages out to $500 per month in spending, then earnings revert to 1%. Families that regularly exceed that amount will want to consider another rewards card for their grocery spending. Plus, superstores and warehouse clubs don’t count as supermarkets, meaning you won’t earn 6% cash back if you shop at stores like Walmart, Target or Costco.

Who should apply ? Anyone who can meet the spending requirement for the welcome offer and pays their balance in full each month will want to take advantage of the first-year benefits they can reap with this card.

Who should skip ? If the spending requirement for the welcome offer is higher than your regular spending or you typically spend more in areas outside the Blue Cash Preferred Card’s bonus categories (like travel and dining), this isn’t the card for you.

Read our Blue Cash Preferred® Card from American Express review.

Self – Credit Builder Account: Best for improving credit

Why we picked it : You’ll know almost instantaneously whether you’re approved and won’t face a hard pull on your credit. And for its best credit-boosting perk, this account will report your activity to all three credit bureaus.

Pros : Through this unique account, Self will set you up with a small loan that is saved in a certificate of deposit (CD) for 24 months, and at the end of the account term, your CD savings will unlock. Similar to a savings account, but with the ability to build credit, you’ll pay a minimum of $25 monthly toward the CD. By the end of the account term, healthy financial habits and on-time payments should strongly contribute to growing your credit score.

Cons : This account doesn’t feature any ways to earn bonus rewards on your spending. Also, there is a one-time account fee of $9.

Who should apply ? Anyone looking for easy approval and wanting to establish a credit score with a set routine will be a great match for this account.

Who should skip ? Anyone looking for a rewards card should look elsewhere. And if you want an actual credit card you can carry, consider the Self – Credit Builder Account + Secured Visa® Credit Card or any other secured card .

Read our Self – Credit Builder Account review .

Green Dot primor® Visa® Gold Secured Credit Card: Best for high credit lines

Why we picked it : This card features instant approval and a low APR of only 9.99% (fixed). You may also get a credit line as high as $5,000. This gives you financial freedom and can also help improve your credit score by lowering your credit utilization ratio .

Pros : here’s no credit check when applying for this card, making it an easy and accessible process. And thanks to being a Visa card , it comes with travel accident insurance, extended warranties and a travel and emergency hotline.

Cons : This card restricts you when getting started as you can’t set up your account with a deposit from an ACH bank transfer (a common practice). Instead, you’ll have to use a debit card, check or money order. Also, this card comes with a $49 annual fee.

Who should apply ? Credit card newcomers looking to grow their score with a high credit line would benefit from this card. Also, if you know you’ll be forced to carry an occasional balance, this card’s low APR makes it a great choice.

Who should skip ? If you’re looking for a straightforward card to get started with, this may be difficult due to the limitations around the initial deposit. Also, there are better choices for people looking for rewards cards .

UNITY® Visa Secured Credit Card: Best for no minimum credit score required

Why we picked it : There is no credit score requirement when applying for this card. You’ll have to get started with a minimum deposit of $250, but being approved instantly can ease the process.

Pros : This card comes with a low six-month balance transfer APR, although you’ll need to consider if it’s better to put the refundable deposit toward the amount already owed. This card also reports your monthly activity to the three credit bureaus, a standout perk for improving your credit score.

Cons : The UNITY Visa Secured has a relatively high APR for a card of its type and comes with a $39 annual fee.

Who should apply ? If you’re looking for a card to simultaneously help grow your credit while having the opportunity to consolidate outstanding credit card debt, this card could be your safe haven.

Who should skip ? If you think there’s any chance you’ll have difficulty managing your outstanding balance, there are better cards to choose from.

Prime Visa: Best for Amazon shopping

Why we picked it : People who already love Amazon for the fast and free shipping and its amazing selection of products will want to take advantage of the benefits of carrying this card. The two biggest perks? An unlimited 5% back at Amazon and an Amazon gift card worth $100 that you can begin using immediately upon approval for Prime members.

Pros : On top of the savings on Amazon.com, cardmembers earn 5% cash back on Chase Travel purchases and at Whole Foods and receive special promotions and discounts to help further take a bite out of the grocery chain’s prices. This card also comes with Visa Signature benefits like an auto rental collision damage waiver, roadside assistance, travel/emergency services and concierge services.

Cons : You must pay for an annual Amazon Prime membership (currently $139). Plus, the 2% cash back on purchases at gas stations, restaurants and Chase travel purchases could be more impressive. If you spend a lot in those areas, you should add one or more rewards cards to your wallet to maximize your earnings.

Who should apply ? Any frequent customer of Amazon and Whole Foods can supplement their regular spending with this card.

Who should skip ? If you’re happy doing the bulk of your shopping elsewhere and want to save money for something other than an Amazon Prime membership, this isn’t the card for you.

Read our Prime Visa review.

With an instant approval credit card, you can learn whether your application is accepted or denied within seconds. A preliminary credit check is run, and the better your credit score, the more likely you will be granted the card.

Once approved, some credit cards provide instant access to your account, allowing you to make purchases immediately. Other credit cards make you wait until the card arrives in the mail, which typically takes 7 to 10 business days.

Not everyone will get an instant decision. Some people may need to provide additional information and wait to hear from the credit card issuer. This can happen for numerous reasons, like when you need to verify your income. If that’s the case, you may be asked to provide documentation which may include:

• W-2, Form 1040 or Form 1099 from the most recent tax year
• Two consecutive pay stubs issued in the last three months
• Three of your most recent consecutive bank statements

Does an instant approval credit card guarantee you’ll be approved?

No, instant approval doesn’t mean you are guaranteed approval. Once the lender receives your score and approves your application, you are granted conditional approval. However, your application could still be denied if a more thorough check of your credit file suggests you don’t meet the lender’s terms.

What is the difference between preapproval and prequalified?

Instant approval isn’t the same as preapproval or prequalifying.

Prequalification is when you provide information to a lender and they conduct a soft pull – a credit check that doesn’t affect your score. The advantage is that you know whether your application will be accepted before you formally apply (even if you are prequalified for a card, this is still not a guarantee that you will be approved when you apply). When you formally apply for a credit card with instant approval, a hard pull is conducted, meaning your score is slightly affected. It’s a necessary process for a formal application.

Elements of prequalification

• You initiate the application.
• Your credit isn’t impacted unless you formally apply.
• This is not a firm offer – the lender may decide not to grant you the line of credit once your application is formally reviewed.

Preapproval means a lender has looked at your data and decided to extend a conditional offer to you. To be accepted, you have to formally apply.

Elements of preapproval

• The lender initiates preapproval.
• This doesn’t affect your credit score unless you formally apply.
• This is a firm offer of credit unless there is a dramatic difference in your credit or your income can’t be verified.

Pros and cons of instant approval credit cards

• Improve your credit . Some instant approval credit cards are easier to qualify for and can be an excellent option for people who need to improve their credit score . This includes people new to credit or needing to rebuild their credit history. Managing your spending and making proper on-time payments will better your credit due to the cards here reporting your habits to the three major credit bureaus.
• Cover emergency expenses . Nothing beats an emergency fund to help cover surprise costs. But if you cannot build up a rainy-day fund, an instant approval credit card with a low interest rate or an intro 0% APR offer may give you fast access to finances, especially if it’s an instant use card. This can provide you with peace of mind that you’ll be able to cover an emergency when it arises.
• Not instant for everyone . Some people will be disappointed to discover that their application for an instant approval credit card will take longer. Sometimes, credit issuers can’t confirm an applicant’s identity or finances. When that happens, more information will be requested, and you’ll have to wait for a decision.
• Delayed use . Instant approval doesn’t always mean you’ll be able to use your credit card immediately. You may have to wait until your card arrives in the mail before using it, which can take a minimum of 7 to 10 business days. Some card issuers like Amex provide an instant use credit card number that eligible members can use upon approval to make purchases.

Who should get an instant approval credit card

• The plan-ahead spender . Having a budget and knowing how you’ll pay off upcoming expenses is always a good idea. From home renovations to vacations, an instant approval credit card with an intro 0% APR or sign-up bonus can help give you peace of mind.
• The emergency spender . It’s hard to build up savings you can use for emergencies. When your water heater goes kaput or your car needs repairs, an instant approval card can take a little stress off your plate by quickly letting you know if you’ll be able to get back on track.
• The money saver . Balance transfer cards with intro 0% APR offers can save you money by letting you make interest-free payments for a limited time. A budget and the right instant approval credit card could be a winning combination if you have credit card debt.

Who should skip an instant approval credit card

• The debt holder . Credit cards come with fees that can slowly eat away at your finances. If you’re carrying a lot of debt and don’t have a plan to pay it off, adding an instant approval credit card to your wallet isn’t a good idea.
• The late payer . Some instant approval credit cards may also come with a penalty APR. Make a late payment, and you could be stuck paying an increased interest rate on your balances for at least six months.
• The non-saver. Credit cards come with many features and benefits that make them valuable tools for the right user. But don’t be too reliant on other people’s money, especially when you could get stuck paying interest and fees. Ensure you’re setting aside some of your own money and building up your savings.

What do credit card companies check when they process your application?

Card issuers vary in what they check when you apply for a credit card. In addition to your credit history, they’ll want to confirm basic information such as your name, phone number, date of birth, address, and income, as well as some deeper-level details such as your liquid assets, Social Security number, mother’s maiden name, citizenship status and more.

Reasons you might be denied

If you are denied a credit card , the card issuer must explain why. Other than a credit score that is too low, the reasons can be:

• High credit utilization ratio . Using most or all of your available credit can be a sign that you are living on credit and that the card you are applying for is for furthering that debt.
• Thin credit file . If this happens, your best bet is to get a secured card or become an authorized user.
• Too many hard inquiries . When you have a bunch of requests for credit in a short time, it can appear to lenders that you are desperate for credit.
• Bank-specific application requirements . Some issuers, such as Chase, have provisions for how many cards you can get in a certain amount of time.
• Too much credit with the same bank . You can be denied if a bank sees that you have too much credit on multiple cards.
• Identity or other details can’t be confirmed . If this occurs, call the bank. Also, if you have a checking or savings account with the bank, you can ask for that information to be used to confirm your information.
• Recent negative items on credit reports . Although late payments and bankruptcies can influence your application, know that the older these negative events are, the less important they are.
• Income is too low . Credit card issuers look at your income to verify that you can make timely payments on your debt. If your income is considered low, a credit card cosigner may improve your chances of approval.
• Too young to apply . You must be at least 18 to apply for your own card.
• Errors on application . If this happens, call the issuer and see if you can correct the situation.

Although there are a number of reasons why you might be rejected, the biggest factor is your credit score. The better your score, the more likely you will be accepted.

How to increase your chances of instant approval

Follow these steps to boost your odds of getting approved for an instant approval credit card.

Be able to prove income

Lenders need to know that you can pay off any debt you take on. So they will factor income into their decision to grant or deny your application. This can come from a number of sources, including:

• Personal income
• Income from a spouse
• Unemployment benefits
• Retirement fund distributions

And while income isn’t a part of your credit report, if the amount of income you provide on your application doesn’t align with the information found in your credit report, it will cause a delay in your application until you can provide additional information.

Work on your credit score

The better your credit score, the better your chances of getting approved for an instant approval credit card. There are several ways to check your credit score. Card issuers like Capital One will even provide it for free to cardmembers. Once you have it, take some time to improve your score by continuing to make on-time payments and by not using too much of your available credit.

Check your credit reports

You can get your credit reports for free by going to annualcreditreport.com . This will give you a chance to see what lenders look at. There may even be things that hurt your credit score , including errors that need to be corrected before you apply for an instant use credit card.

Make sure credit reports aren’t locked or frozen

A credit freeze or credit lock can help protect you from identity theft and credit fraud by restricting access to your credit reports. But these tools also prevent lenders from reviewing your reports, which will certainly impact their ability to give you an instant response. If you’ve set up a credit freeze or credit lock on your accounts, you’ll need to contact each credit bureau to make sure they’re lifted.

Apply for the right instant approval card

The right credit card for you starts with your credit score. If your score falls in the fair credit range but you apply for an instant approval credit card that requires excellent credit, your chances of getting approved are slim to none.

When comparing credit cards , look at cards that fit your credit profile. To make it easier, use CardMatch ™, an online tool that helps match you with credit cards you may be eligible for. The tool quickly uses your credit profile to see if there are credit cards you could be approved for – with no impact on your credit score. And depending on your score, CardMatch may also help you find cards with elevated welcome offers .

How to make the most of an instant approval credit card

• Know your spending habits . When you know how you spend your money, you can find an instant approval credit card that fits your lifestyle. For example, if you spend your days managing a busy household, the Blue Cash Preferred® Card from American Express offers high cash back rewards in two important areas: U.S. supermarkets and U.S. gas stations.
• Take full advantage of the card’s benefits . Make sure you know all the perks that come with your instant approval credit card. Some cards feature benefits like free credit monitoring or exclusive discounts from merchants you shop at. Take some time to go over your card’s features and benefits and take advantage of chances to save money.
• Pay on time . You may get charged a late-payment fee when you don’t make your payments on time. Plus, you may even get stuck with a penalty APR. This could impact your credit score, not to mention your credit report (late payments stay on your credit report for seven years), so be sure to pay at least the minimum payment amount on your bill by the due date.
• Pay in full . Even if you’re lucky enough to have a low or even average credit card interest rate , interest charges take money out of your pocket and can increase your chances of landing in credit card debt . That’s why it’s always best to pay your balance in full each month and avoid interest charges.
• Watch your credit utilization . Don’t charge too much on your instant approval credit card. Your credit utilization is the amount of debt you owe compared to your credit limits. Using too much of your available credit can impact your credit score. So try to keep the balance on each of your credit cards below 30% of the card’s total limit and lower if possible.

How we picked the best instant approval credit cards

We evaluated a selection of credit cards for instant approval to identify the top products available. The criteria we considered in our analysis include:

• Reasonable costs : The costs associated with most credit cards (purchase APR, balance transfer APR, penalty APR, annual fee, foreign transaction fees, etc.) were assessed to see if a card’s offer was competitive.
• Overall value : Fees (including annual fees and interest charges) were looked at to see if those fees were justified. The cards we considered all have reasonable fees and enough features and benefits to let users recoup any annual fee.
• Credit-building features : We found cards that would reward your good habits and eventually lead to a better credit score. Regular reporting to credit bureaus and other credit-savvy perks comes with several options.
• Affordability : To get started with instant approval cards, it often requires an initial fee or regular charges. We tried to find the most user-friendly cost structures to help consumers save.
• Accessibility : We wanted to find cards that accepted users of all kinds, so we searched for instant approval cards that were lenient in who they’ll take on as a cardholder.

Other criteria considered : Annual fee, regular APR, promotional APR (if any), ease of application process, rewards rates, ability to improve credit line, tools to track credit score, customer service, security and other features and benefits.

Additional information on instant approval credit cards

• How to apply for a credit card and get approved
• What you need to know about instant use credit cards
• Should you look for ‘soft pull’ credit cards?
• The difference between secured and unsecured credit cards

How long does it take to get approved for a credit card? + –

When you apply for a credit card, you are required to fill out an application that’s typically a page long and includes personal information: name, address and Social Security number, as well as income, income source and monthly housing payments.

When you hit the apply button, one of several things can happen. You can be approved within seconds, it can become “pending” or you can be rejected. If you don’t want to wait the week to find out the answer when it goes into pending, you can call customer service and have the agent gather more details to make a quick decision. Otherwise, you’ll get an answer in the mail and possibly your card.

What is the quickest credit card to get? + –

The quickest credit card you can get is an instant use credit card. With these cards, there’s no need to wait for your card to arrive in the mail. As soon as you’re approved, you’ll be provided a credit card number so you can immediately begin making purchases.

Only some issuers give out instant use credit cards. American Express makes it easy and offers instant use access on all of its consumer cards but only to eligible customers whose identities can instantly be verified. Other issuers may offer instant use on select credit cards or to people who already have existing accounts. But some companies like Discover and Wells Fargo don’t offer any instant use credit cards.

What's the difference between instant approval and instant use credit cards? + –

Instant approval credit cards can approve or deny your application within seconds of submitting it while instant use credit cards provide your credit card number digitally upon approval. With the latter, you can use your new credit card before it arrives. Keep in mind, however, that you may need to wait a few days to hear whether you’re approved or denied for an instant use card.

What credit score do I need for an instant approval credit card? + –

There are instant approval credit cards for all card types. So you don’t have to worry about a minimum credit score for an instant approval credit card.

The credit score you need will depend on the specific credit card. The higher your credit score, the better your chances of qualifying for an instant approval credit card with the best features.

If you have poor credit, you won’t get a credit card with all the perks you’ll find in cards marketed to people with good or excellent credit. But if you take advantage of the credit-building features that come with the card you qualify for, you’ll soon be on your way to getting approved for the best instant approval credit cards.

About the Author

Joey Robinson

Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.

About the Editor

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

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CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. From industry experts to data analysts and, of course, credit card users, we’re well-positioned to give you the best advice and up-to-date information about the credit card universe.

Let’s face it — there’s a lot of jargon and high-level talk in the credit card industry. Our experts have learned the ins and outs of credit card applications and policies so you don’t have to. With tools like CardMatch™ and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions.

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What is an instant approval card?

What are the benefits of a card with instant approval, how to choose the best instant approval credit card, how to maximize your instant approval credit card, other credit cards we researched, our methodology, more credit card advice.

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Best Credit Cards for Instant Approval in May 2024

These credit cards won't have you waiting long to know if you've been approved or denied. You might even be able to use them right away.

Cynthia Paez Bowman

Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development.

Liliana Hall

Associate Writer

Liliana Hall is a writer for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor's degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

Julia Menez

Credit card expert and host of the Geobreeze Travel Podcast

Julia Menez is a points strategy coach, speaker, and host of the Geobreeze Travel Podcast. Through her podcast and social media channels, she distills the strategies from top award travelers around the world and creates step-by-step tutorials for how you can make the most out of your points and miles.

Credit cards with instant approval immediately let you know if you’re approved for a line of credit. You usually find out if you’re approved within minutes, and in many cases, you can start using your card right away. Some issuers provide a virtual credit card number or your card number immediately upon approval. 

Although you may have access to an instant approval credit card right away, you shouldn’t apply for one of these cards simply because it offers a quick turnaround on approval. As with any credit card, decipher whether it complements your financial goals and fits into your budget to see if it’s the right choice for you. Consider rewards rates, annual fees, welcome bonuses, introductory offers, and additional perks and fees when comparing credit card options. 

Instant approval for a credit card means you’ll hear back from the credit card issuer quickly regarding if you’ve been approved or denied. And, if you are approved, many card issuers will even provide a virtual credit card number -- either by adding the card to a digital wallet or through your online account -- so you can start using your new card as soon as possible.

You don’t need an excellent credit score to qualify for an instant approval credit card, either. In fact, many issuers offer instant approval on credit-building cards designed for people with poor to no credit, like secured credit cards . Here are some of the best to choose from.

The X1 Card grants you account access through its app as soon as you’re approved. While you wait for this metal credit card to arrive in the mail, you can add it to your digital wallet or create virtual card numbers to make purchases online or in person. There’s no welcome bonus or introductory APR, but the X1 Card offers a handful of rare and useful perks, like higher credit limits and multiple opportunities to boost your rewards rates.

See our full  X1 Card review  for more details.

The Prime Visa is an excellent choice for shoppers who want to earn cash-back rewards that can be applied to purchases, transferred to a bank account or applied as a statement credit.

Once you’re approved for this Chase credit card , you can access it from your Amazon account and use it at checkout. You’ll need to wait for the physical card before you can shop at retail stores, but considering how much is available through Amazon or Whole Foods online, you may be able to purchase what you need without the mail carrier holding you up.

For more details, check out our full review of the Prime Visa .

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred provides one of the greatest cash-back rates for essential purchases at U.S. supermarkets and U.S. gas stations. While it does have an annual fee ($0 intro annual fee for the first year, then $95), you’ll likely hardly notice it. The rewards it earns at U.S. supermarkets can quickly eclipse the cost of the card -- something I can personally attest to.

Once you’re approved, you can access a your card number through your Amex account or app to use for online purchases.

Read our Blue Cash Preferred from American Express review to learn more.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is a great choice for any traveler who isn’t a brand loyalist. Its rewards program is one of the best around, primarily because of its flexible and high-value redemption options. Not only can you utilize point transfers at a 1:1 rate through Chase’s travel partners, but you’ll also earn a 25% redemption bonus when you redeem points for travel through Chase Travel .

Once you’re approved, you can add the card to your digital wallet through the Chase app to access it immediately. This will let you use it both online or in person (wherever digital payments are accepted).

To learn more, check out our Chase Sapphire Preferred Card review .

Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card* is designed for anyone with poor or no credit , providing a line of credit and the opportunity to build (or rebuild ) your credit score with responsible use.

Most secured cards expect you to provide 100% of the credit limit in the form of a security deposit. But depending on your credit score, Capital One requires as little as $49 or $99 to get a $200 initial credit line. If you maintain your card account in good standing, Capital One may automatically consider you for a higher credit line in as little as six months. If approved, you may be able to log in to the mobile app to grab your new card number and start making purchases right away.

For more details, check out our full review of the  Capital One Platinum Secured Credit Card .

OpenSky® Secured Visa® Credit Card

If you need to work on your credit, the OpenSky® Secured Visa® Credit Card is one of few credit cards that doesn’t require a credit check to apply. This secured credit card charges a $35 annual fee and requires a security deposit (between $200 and $3,000), which is equal to your credit limit. The OpenSky Secured Visa offers a lower-than-average 25.64% variable APR for purchases and cash advances. You should pay your balance off in full every month to avoid interest charges, but its APR is lower than other secured credit cards .

For more details, check out our OpenSky Secured Visa Credit Card review .

The Apple Card* is one of the best credit cards for instant approval, because not only can you apply directly from your iPhone, but it’s automatically added to your Apple Wallet app upon approval. You will receive a physical card, which can be handy when shopping at merchants that don’t accept Apple Pay.

You’ll earn cash back on qualifying purchases daily. And you can access your cash-back balance in your Apple Wallet -- making it easy to apply to your balance or send money to a friend. You can find out if you’re approved for the Apple Card without hurting your credit score. Your credit score isn’t affected until you accept your offer. And if you decide to reject the offer or your application is declined, your credit score won’t be affected either. If you get approved, you can use the card right away through Apple Pay. And if you have an Apple Card, you can open a high-yield savings account for Daily Cash rewards in the Wallet app.

For more details, check out our full Apple Card review .

Discover it® Secured Credit Card

The Discover it® Secured Credit Card* is a solid choice for first-time credit users. Like most secured credit cards, your initial deposit equals your credit limit. This card stands out because of its rewards structure, which most secured cards lack. You earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter, then 1%), and 1% cash back on all other purchases with no limit. And at the end of your first year as an account holder, Discover will match all your cash back earned. 

Discover generally approves credit card applications instantaneously (as long as it doesn’t have follow-up questions upon receiving your application). You can also check if you’re preapproved via Discover’s website without affecting your credit score.

For more details, check out our full Discover it Secured Credit Card review .

An instant approval credit card lets you know immediately if you’re approved for a specific card. In some cases, you’ll also be able to use your line of credit immediately upon approval. Many instant-use credit cards happen to be secured cards, which are geared toward lower credit scores.

However, some issuers like American Express , may offer instant card numbers to eligible users, which can be added to a compatible digital wallet and used to make purchases immediately. However, not every card here offers instant approval in every circumstance.

Instantly find out if you’re approved for a card

You can use your credit card right away

Virtual credit cards (if available) make online shopping safer

Not every card offers instant approval

If you want to know if you’re eligible for a credit card right away, applying for an instant approval card can save you from waiting. Since many instant approval cards also provide instant access to your card number, you can typically start using it right away. 

“This comes in handy if you are applying for a new card to take advantage of a welcome bonus or for a large purchase that needs to be made immediately, where you don’t have time to wait for the card to arrive in the mail,” said credit card expert Julia Menez. 

And if your instant-use credit card offers a 0% introductory APR , you can take your time paying off a larger purchase before accruing interest on a revolving balance. But you want to avoid carrying a balance on a high-interest credit card because it will grow your debt and your credit score can take a hit.

Although instant approval cards may seem tempting, we don’t recommend choosing a credit card based on whether it offers speedy approval. You want to make sure the card fits your budget, complements your spending habits and checks off all of the boxes you’re looking for in a new credit card.

Here are some tips to help you choose the best instant approval credit card:

• Consider why you need an instant line of credit. If you know you need to finance a large purchase, you may benefit from a 0% intro APR offer . Similarly, if a significant portion of your monthly budget goes toward stocking your pantry, you might consider a rewards card geared toward grocery shopping. 
• Check to see if you are preapproved. Preapproval doesn’t guarantee you’ll be approved for a credit card. However, you can check to see if you’re preapproved for a credit card with most issuers on this list. Preapproval can be reassuring because it requires only a soft inquiry , which doesn’t affect your credit score. And you better understand whether you may qualify for a credit card before committing to an application.
• Check your credit score. A handful of secured credit cards offer instant approval, but some cards require good to excellent credit. Check your credit score before you apply for a new credit card to ensure you aren’t taking a credit hit you could have avoided. 
• Keep an eye out for high fees. To avoid taking on a credit card with an annual fee you can’t afford, carefully review a card’s APR, annual fee, late fee and so on. If you can avoid taking on an annual fee by opting for a card without one , you want to make that decision early to narrow down your options.

Getting the most from your chosen card comes down to using it where it earns the most and utilizing the features it offers. With instant approval cards, some include virtual card capabilities that can improve the safety of your online shopping. Like any credit card, be sure to pay off your card balance in full to avoid interest charges. If you treat your credit card like a debit card , you’re more likely to avoid overspending and credit card debt, and your credit score will see the biggest improvement.

Credit cards are not one-size-fits-all products. There are instant approval cards available for everyone -- from someone starting out with no credit to those with excellent credit. This credit card guide includes the recommended credit score ranges for the cards reviewed so you can gauge your likelihood of approval ahead of time.

Prequalification and preapproval can help you gauge your approval odds without hurting your credit score. Some credit card issuers have their own guidelines around preapproval and prequalification, but the two terms are often used interchangeably. The difference between credit card prequalification and preapproval is typically who initiates the request, you or the credit card company. 

In either case, the issuer initiates a soft inquiry on your credit report that does not affect your credit score, unlike a hard inquiry. The issuer typically conducts a hard pull on your credit when you formally apply, often dinging your credit score by a few points. In addition, you’re not obligated to apply if you’re prequalified or preapproved. 

Preapproval can help you apply more confidently for a credit card, but it does not guarantee approval. If you’re preapproved for a credit card, it means you meet the initial criteria the issuer relies on to screen potential cardholders. Once you apply, the credit issuer typically performs a more detailed, hard inquiry on your credit to make a definitive decision.

Instant approval credit cards typically provide you with an answer as soon as you complete the online card application. However, you may still have to wait for the physical card to arrive in the mail so you can activate it for use.

Instant-use credit cards, however, are available immediately upon approval. Card companies that offer instant-use cards will give you the card number and expiration date as soon as you’re approved. Or they may even provide you with a virtual credit card number. But keep in mind instant approval does not always mean instant use, though the two may coincide. 

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• Chase Sapphire Reserve®
• Bank of America® Premium Rewards® credit card
• Citi Custom Cash® Card
• Capital One Venture Rewards Credit Card

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the welcome bonus and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

• Best Credit Cards for No Credit
• Best Credit Card Welcome Bonus
• Best Travel Credit Cards
• Best Balance Transfer Credit Cards

For rates and fees of the Blue Cash Preferred Card from American Express, click  here .

*All information about the Apple Card, Capital One Platinum Secured Credit Card and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

• Credit Cards
• Best Travel Credit Cards

19 Best Travel Credit Cards Of May 2024

Expert Reviewed

Updated: Apr 26, 2024, 12:13pm

For anyone who travels enough to have a separate savings account, like I do, credit cards are a valuable resource toward booking and paying for your trip. The rewards can offset a huge portion of your out-of-pocket expenses, and the best travel cards often pay for themselves in money saved and headaches avoided.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 113 countries visited
• 5,500 hotel nights spent
• 93,000,000 miles and points redeemed
• 29 loyalty programs covered

Best Travel Rewards Credit Cards

• Chase Sapphire Preferred® Card : Best Travel Credit Card for Beginners
• Capital One Venture X Rewards Credit Card : Best Premium Travel Rewards Card
• Chase Sapphire Reserve® : Best Travel Credit Card for International Travel
• The Platinum Card® from American Express : Best Travel Rewards Credit Card for Lounge Access
• American Express® Gold Card : Best Travel Rewards Earning for Foodies
• Capital One Venture Rewards Credit Card : Best Flat-Rate Rewards Credit Card for Travel
• Bilt World Elite Mastercard® : Best Travel Rewards Credit Card With No Annual Fee
• Credit One Bank Wander® Card : Best Travel Credit Card for Fair Credit
• Aeroplan® Credit Card : Best Airline Rewards Program for International Travel
• United Quest℠ Card : Best United Credit Card
• United Club℠ Infinite Card : Best Premium Airline Card
• British Airways Visa Signature® Card : Best for British Airways Passengers
• Southwest Rapid Rewards® Priority Credit Card : Best for Southwest Passengers
• IHG One Rewards Premier Credit Card : Best Midrange Hotel Card
• The World of Hyatt Credit Card : Best Travel Credit Card for Hyatt Loyalists
• Marriott Bonvoy Boundless® Credit Card * : Best for Marriott Customers
• Hilton Honors Aspire Card from American Express * : Best Premium Hotel Card
• Wyndham Rewards Earner® Card * : Best No Annual Fee Hotel Card

Best General Purpose Travel Credit Cards

Best travel credit card for beginners, chase sapphire preferred® card.

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all Read More

Welcome Bonus

75,000 bonus points

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

I jumped at the chance to get the Chase Sapphire Preferred® Card when it was first launched. More than a decade later, I’m still a loyal cardholder.

Why We Like It

For a modest annual fee (which is partially justified with an annual hotel credit) you get a rare mix of high rewards rates and redemption flexibility.

What We Don’t Like

The highest earning rate requires making reservations through Chase Travel℠ and doesn’t include direct bookings or online travel agencies.

Who It’s Best For

Travelers who want to earn transferable points without a steep annual fee.

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections
• No intro APR offer
• Best travel earning rates are only for bookings through Chase
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 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, 75,000 points are worth $937.50 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 Premium Travel Rewards Card

Capital one venture x rewards credit card.

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollar Read More

Earn 75,000 bonus miles

19.99% - 29.99% (Variable)

Excellent (750 - 850)

The Capital One Venture X Rewards Credit Card ( rates & fees ) is packed with extras that put it firmly in competition with other upscale credit cards. Just as important, the easy earnings structure is ideal for anyone who doesn’t want to stress over details.

Its annual fee is easily recouped through an annual travel credit and bonus miles, which makes the perks feel almost free.

The flat-rate earnings mean that if you have high spending in a single category, you might be better off with a different card.

Travelers who want premium benefits and are willing to book through Capital One travel at least once a year.

If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your eligible guests, an annual travel credit and solid earnings on everyday purchases.

• Annual fee lower than others in its category
• Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
• Miles are easy to earn and easy to use
• Lack of domestic airline and upscale hotel travel partners
• Capital One lounge network in its infancy
• Lack of hotel status benefits
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights 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
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Best Travel Credit Card for International Travel

Chase sapphire reserve®.

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Read More

22.49%-29.49% Variable

Earn superior points rates if you spend frequently on travel and dining out with the Chase Sapphire Reserve® . Its greatest selling point, though, is the awesome list of 1:1 transfer partners.

The $300 travel credit compensates for much of the annual fee, and the travel protection benefits have personally reimbursed me more than $1,000.

There’s an extra fee to add an authorized user to your account.

Anyone looking to take advantage of built-in travel insurance protections.

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel.

• $300 annual travel credit is incredibly flexible
• Generous welcome bonus
• Get 50% more value when you redeem points for travel through Chase
• Points transfer to valuable airline and hotel partners
• High annual fee
• High variable APR on purchases
• Excellent credit recommended
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 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, 75,000 points are worth $1125 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 Travel Rewards Credit Card for Lounge Access

The platinum card® from american express.

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly Read More

Earn 80,000 points

See Pay Over Time APR

Good,Excellent (700 - 749)

The Platinum Card® from American Express (terms apply, see rates & fees ) is destined for frequent travelers who intend to fully leverage the rich set of travel benefits. Trust me when I say the perks can make you feel like a VIP. The staggering annual fee for this classic status card won’t be worth it for everyone, but in the right hands the expense can be well justified.

Lounge access with this card extends beyond the Priority Pass membership you see on other premium cards.

Many of the statement credits and other offers have limitations for how you can use them.

Cardholders who will track and maximize the long list of member benefits.

Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business class seats on more than 20 airlines as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. on any of those premium cabins.

• High reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment
• Very high annual fee
• Maximizing the statement credits takes some work and could be impractical for many
• Reward rate outside of travel is sub-par for a premium card
• 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.

Runner-Up Travel Cards

Best travel rewards earning for foodies, american express® gold card.

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points at Read More

Earn 60,000 points

Excellent/Good (700 - 749)

Foodies and travelers can leverage the American Express® Gold Card (terms apply, see rates & fees ) to the hilt, earning up to 4 points per dollar. The annual fee may seem intimidating—I get that. But my household comes out ahead by taking advantage of the card’s dining credits and rotating Amex Offers.

The grocery earnings on this card are impressive and rare for a travel card. Earn on everyday spending and redeem toward vacation: perfect.

The dining credits and Uber Cash are provided monthly rather than in an annual lump sum.

Cardholders with high spending on food expenses.

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to 5 authorized users for no additional annual fee
• Can choose from regular or rose gold versions
• No lounge benefits
• Limited options to carry a balance
• High APR for pay over time feature
• High pay over time penalty APR
• 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 Flat-Rate Rewards Credit Card for Travel

Capital one venture rewards credit card.

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One Entertainment Read More

Casual travelers who don’t plan to carry a balance will find good value in the Capital One Venture Rewards Credit Card‘s ( rates & fees ) earnings rates. And if you appreciate the skip-the-line perks of TSA PreCheck® and Global Entry as much as I do, you’ll be grateful for the up to $100 credit toward program fees.

You can earn double miles on every purchase and access transfer partners without ponying up a triple-digit annual fee.

The card is light on big-ticket benefits compared to peers.

Cardholders who want to earn travel rewards at a flat rate.

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee ( rates & fees ).

• Solid rewards rate
• Global Entry or TSA PreCheck® statement credit (up to $100)
• No foreign transaction fees
• Miles are easy to redeem either via partner transfers or by applying against travel purchases
• $95 annual fee
• No introductory APR on purchases or transfers
• 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
• 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 Travel Rewards Credit Card With No Annual Fee

Bilt world elite mastercard®.

Up to 3x Reward Rate

1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on travel Read More

Good/Excellent (700 - 749)

Pay rent, earn rewards and use your earnings for travel. I wish the Bilt World Elite Mastercard® ( rates & fees ) existed when I was still renting, so something positive would have come out of those expenses. Even without a rent payment, the earning rates and redemption options aren’t too shabby.

There aren’t many options to earn transferable miles without an annual fee or a card pairing, especially considering how many partners Bilt has.

There’s no welcome offer on this card whatsoever.

Anyone who regularly makes rent payments.

It’s almost impossible to earn rewards on what is the biggest monthly expense for many people, which is why anyone who pays rent should have a Bilt Mastercard in their wallet. Not only will you earn points just from paying your rent, you’ll do it without being charged a fee for the transaction, and Bilt points are among the most versatile travel points around. ( Pro Tip: Don’t redeem Bilt points to pay rent when you can get much more value for them for travel!).

• Earn rewards on rent
• Primary car rental and cell phone insurance
• Points can be transferred to partners
• Requires five card transactions per statement period to earn rewards
• No welcome bonus
• High regular APR range
• Rewards outside of rent spend are relatively low compared to other cards
• Earn points when you make 5 transactions that post each statement period
• $0 annual fee
• 1x points on rent payments with no transaction fee (on up to 100,000 points each calendar year)
• 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company)
• 3x points on dining
• Plus 1x points on other purchases
• Cell Phone Insurance
• Purchase security (theft and damage protection)
• Mastercard® World Elite Concierge
• Lyft Credits
• No foreign currency conversion fee
• Rewards & benefits terms

Best Travel Credit Card for Fair Credit

Credit one bank wander® card.

Earn 10X points on eligible hotels and car rentals booked through the Credit One Bank travel site; earn 5X points Read More

29.74% Variable

Fair/Good (650 - 699)

The Credit One Bank Wander® Card is a rare card that combines high-value travel and gas earnings but requires only average credit to apply. Once you get it, I’d recommend working hard to rebuild your credit and apply for a similar card without an annual fee, but it’s a great stepping stone in the meantime.

Almost everyone looking for a travel card will spend on the card’s bonus categories of airfare, gas and dining.

Maximizing the 10x categories requires booking through the Credit One travel partner.

Travelers with fair credit.

The Credit One Bank Wander Card offers lucrative points-earning opportunities within key travel categories, however, its extra perks and benefits fall short when compared to other premium credit cards.

• High reward potential
• Issuer advertises requiring an average minimum credit rating
• No low introductory APR period
• High 29.74% Variable APR
• 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

Best Travel Cards for Airlines

Best airline rewards program for international travel, aeroplan® credit card.

Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Read More

21.74% - 28.74% Variable

Good, Excellent (700 - 749)

Many people—myself included—might be tempted to overlook this card that seems geared toward Air Canada passengers. But the Aeroplan® Credit Card recently caught my eye for its strong earning potential and the option to redeem miles for award flights on partner airlines, of which there are dozens.

Not only can you earn quickly with this card, but your miles stretch far, too. Cardholders may have access to reduced price award flights.

Learning the ins and outs of Aeroplan rewards requires a little extra attention.

Savvy travelers who mostly fly internationally.

Chase and Air Canada’s co-branded Aeroplan Credit Card will serve as an excellent companion for frequent flyers of Star Alliance and its carriers from United to Lufthansa as you earn valuable Aeroplan points. Maximize your Aeroplan points and redeem for flights and hotels through an extensive partner network. Enjoy additional points-earning opportunities in key everyday categories.

• Excellent rewards earning
• Travel benefits including perks for Air Canada flyers
• Lacks non-travel related benefits
• Earn 60,000 bonus points
• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.

Best United Credit Card

United quest℠ card.

Up to 3X Reward Rate

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all Read More

Earn 60,000 bonus miles

21.99% - 28.99% Variable

Frequent United Airlines customers will appreciate that the United Quest℠ Card comes with an annual $125 United credit, rewards on travel and dining and travel protections such as primary car rental coverage and trip cancellation insurance.

This card rewards your loyalty. You can earn award flight credits after renewing the card and booking eligible award flights with your miles.

The annual fee on the United Quest is more than double the average airline card.

United flyers who aren’t interested in committing to an ultra-premium card.

Don’t let the card’s annual fee scare you off. Even if you’re not a frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

• $125 annual United purchase credit
• Earn up to two 5,000-mile award flight credits annually
• Two free checked bags for cardholder and a companion traveling on the same reservation
• Earn up to 6,000 Premier Qualifying Points annually
• Primary auto collision damage waiver for eligible rentals
• Checked baggage benefit only applies to one companion
• Earnings for general purchases are only 1 mile per dollar
• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Premium Airline Card

United club℠ infinite card.

Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel and Read More

Earn 80,000 bonus miles

United’s top-tier card ties up the whole package. A suite of travel perks makes the United Club℠ Infinite Card a compelling value, with the United Club membership alone worth more than the annual fee. If I flew more often, I’d be tempted by the ability to earn Premier Qualifying Points with eligible charges.

Airport lounge access can turn the frustration of airports into an actually relaxing experience.

Many loyal customers may already have elite status with United, making the included Premier Access benefits redundant.

United flyers who want airport lounge access when traveling.

If reaching a higher status with United is a priority, the United Club Infinite all but guarantees it, as long as the card is used regularly. Cardholders also enjoy frequent seat upgrades (depending on route and availability) plus always-free United Club access. But these perks come with a hefty price tag.

• No foreign transaction fee
• United Club membership is worth more than the annual fee
• First and second checked bag free when you pay for your flight with your card
• High regular APR
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best for British Airways Passengers

British airways visa signature® card.

Earn 85,000 Avios.

British Airways’ Avios reward currency is looked down upon by lots of travelers, but the British Airways Visa Signature® Card  offers value if you know where to look.

This card makes it even easier to lock in a deal, thanks to flight discounts, statement credits toward award flights and the chance to earn a Travel Together Ticket .

Many British Airways redemptions have really high fees associated with them, which takes some of the fun out of booking award flights.

Travelers who fly British Airways annually or more often.

Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world and on both one-way or round-trip flights.

• Generous rewards on eligible flights
• Potential to earn a companion ticket
• Lucrative welcome bonus
• Rewards rate poor outside of Avios-earning airlines
• Subject to Chase’s 5/24 rule
• No checked baggage or lounge perks
• Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
• Pay no foreign transaction fees when you travel abroad.
• Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

Best for Southwest Passengers

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest purchases, 2X points on local transit and commuting, including rideshare, 2X points on internet, cable, Read More

Earn 50,000 points.

21.49%-28.49% variable

My biggest gripe with Southwest is the lack of assigned seating, but the Southwest Rapid Rewards® Priority Credit Card solves that issue with four upgraded boardings per year when available, a $75 annual travel credit toward Southwest purchases (upgrade to an Anytime fare for EarlyBird Check-In) and the chance to earn tier qualifying points. Once you’re A-List, you’ll always get complimentary priority boarding.

Stick with this card and you’ll get a 7,500 anniversary points bonus each year after renewal. Sounds like another free flight to me.

Rapid Rewards doesn’t partner with other airlines, so your redemption options are limited.

Southwest flyers who can consistently maximize the annual travel credit and anniversary points.

The perks on this card are practical and useful for regular Southwest flyers. Four upgraded boarding passes per year plus an easy-to-earn $75 statement credit on Southwest purchases and a 7,500-point anniversary bonus can all make this card worth keeping in their wallets.

• Earn points toward A-list status
• Unlimited reward seats with no blackout dates
• Rewards flights only available on Southwest, no partner airlines
• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X 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.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Best Travel Cards for Hotel Points

Best midrange hotel card, ihg one rewards premier credit card.

Up to 26X Reward Rate

Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points per Read More

Earn 140,000 bonus points

21.49% - 28.49% Variable

I stay at IHG properties only a few times a year, but the IHG One Rewards Premier Credit Card is a mainstay in my husband’s wallet. Get it for the benefits, not the points potential: We love the Anniversary Free Night—which alone justifies the annual fee—and appreciate the fourth-night-free feature.

High spenders are showered with extra love. You can earn statement credits, bonus points or upgraded elite status when hitting spending thresholds on the card.

The earning rates aren’t as high as they seem once you realize that IHG One Rewards are typically worth less than a penny apiece.

Travelers who stay at IHG properties one or more times per year.

The IHG One Rewards Premier blows all other mid-tier hotel credit cards out of the water with perks alone. You don’t even have to use the card regularly to offset its annual fee every year.

• Earn up to 26 points per dollar spent on IHG hotels worldwide
• Free night award every account anniversary
• Fourth night free on point redemption stays
• Automatic Platinum Elite status
• Poor earnings for everyday and non-category hotel purchases
• Low overall point value
• No worthwhile redemption options outside of IHG properties
• Earn 140,000 Bonus Points
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Best Travel Credit Card for Hyatt Loyalists

The world of hyatt credit card.

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you use Read More

Up to 60,000 Bonus Points

21.49% - 28.49% variable

While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you’re a regular at Hyatt, a combination of high redemption values, sweet perks and one free night per year easily covers the annual fee and then some.

The card comes with five qualifying night credits, but cardholders can earn more through card spending to work their way up the elite ladder.

The automatic Discoverist elite status for cardholders is, frankly, uninspiring.

Hyatt loyalists looking to earn extra points and work toward status.

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

• Annual free night certificate on cardmember anniversary
• Complimentary World of Hyatt Discoverist status
• High points redemption values
• Limited number of properties
• No worthwhile redemption options aside from Hyatt properties
• Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Best for Marriott Customers

Marriott bonvoy boundless® credit card *.

Up to 6X Reward Rate

Earn 6 points for every $1 at participating Marriott Bonvoy hotels, 3 points for every $1 spent each year (up Read More

Earn 3 Free Night Awards

Overwhelmed by all of Marriott’s credit card options? So am I. The Marriott Bonvoy Boundless® Credit Card * is the best value for most customers, given a robust set of perks and rewards potential without an eye-popping annual fee.

The Free Night Award, provided each year after renewal, is valued at 35,000 points and can be topped off if you prefer an upgraded stay.

If you’ve held a Marriott-branded credit card in the past, you may not be eligible for this one. Choose your card wisely before applying!

Marriott Bonvoy members looking for a little extra without a high annual fee.

The card’s free award night perk alone makes the card worth a spot in any traveler’s wallet. The option to combine the certificate with up to 15,000 points to get more flexibility for your annual stay is a nice touch.

• Free night certificate every year (valued at 35,000 points)
• 15 Elite Night Credits per year
• Automatic Silver Elite status
• Stingy earnings structure
• Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
• Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
• Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
• Earn 2 points per dollar spent on all other purchases
• Points don’t expire as long as you make purchases on your credit card every 24 months

Best Premium Hotel Card

Hilton honors aspire card from american express *.

Up to 14X Reward Rate

Earn 14X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 7X Read More

Earn 150,000 points

20.99% - 29.99% variable

The flagship card from Hilton, the Hilton Honors Aspire Card from American Express * comes with a price tag to match its top-tier status and perks. It’s a perfect fit for big spenders who haunt Hilton properties enough to leverage the rich suite of benefits that come with the complimentary Diamond elite status.

Hilton status is actually meaningful, giving you benefits like food and beverage credits, executive lounge access and room upgrades.

Since the annual fee is $550, you’ll need to travel often to make the perks worth the cost.

Travelers willing to pay for automatic top-tier hotel status and other benefits.

Top-tier elite status from simply holding this credit card is its most endearing quality. Hilton Diamond status–granted every year you hold the card–gets you room upgrades, food and beverage credits, executive lounge access and more. Since there’s no spend requirement for the Diamond status, this benefit even on its own can make the card worth keeping long term.

• CLEAR® Plus membership credit with enrollment
• Over $750 in value annually
• Instant Hilton Diamond elite status with rich set of benefits
• Free standard night award with no category limits at participating properties
• High annual fee with no first-year waiver
• High regular APR and penalty APR
• Credits are doled out in increments, making them harder to spend
• Points have a lower value than most rewards programs
• Earn 150,000 bonus points after spending $6,000 in purchases within the first 6 months of card membership
• Earn 14 points for every dollar spent on eligible purchases at participating hotels or resorts within the Hilton Portfolio
• Earn 7 points for every dollar spent on eligible travel purchases including: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants
• Earn 3 points per dollar spent on other eligible purchases
• Up to $400 in statement credits each year of card membership ($200 semi-annually) for eligible purchases at participating Hilton Resorts
• Complimentary Hilton Honors™ Diamond status
• Annual free night reward, terms apply
• Up to $200 flight credit ($50 in statement credits each quarter)

Best No Annual Fee Hotel Card

Wyndham rewards earner® card *.

Earn 5X points per $1 spent on eligible purchases made at participating By Wyndham hotels and on gas; Earn 2X Read More

Wyndham Rewards Earner® Card * is for road warriors and frequent stayers at Wyndham properties who are looking for a no annual fee card. You might be surprised at what you can do with Wyndham points.

This can be a backdoor way to earn points for vacation rental redemption options instead of traditional hotels, which opens up a new world of travel opportunities.

Wyndham Guest Rewards expire if you don’t use them, even if you have activity on your account.

Travelers whose trips tend to be U.S.-centric.

Wyndham gives a lot of perks to cardholders without asking for an annual fee in return. It’s nice that cardholders get a discount on both paid rates and award stays along with receiving GOLD elite level benefits such as late check-out which allows you to enjoy the city you’re in without feeling like you have to rush out of the hotel just after breakfast.

• Automatically receive Wyndham Rewards Gold elite status
• Enjoy extra discounts on local attractions when booking “go free” awards
• APR can be high, depending on your creditworthiness
• Target and Walmart are excluded from the grocery bonus and only earn 1 point per dollar
• Only hotel redemptions offer high value
• Earn 75,000 bonus points after spending $2,000 on purchases in the first six months of account opening
• Earn 5 points per dollar spent on eligible purchases made at Hotels by Wyndham and qualifying gas purchases
• Earn 2 points per dollar spent on eligible dining and grocery store purchases (excluding Target and Walmart)
• Earn 1 point per dollar spent on all other purchases (excluding Wyndham Timeshare resort down payments)
• Automatically receive a Wyndham Rewards GOLD member level
• Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases
• Redeem 10% fewer Wyndham Rewards points for go free awards, and earn your free nights faster

Here's a Summary of the Best Travel Credit Cards

More about the best travel credit cards, best travel credit card for beginners: chase sapphire preferred® card.

Travelers looking to dip their toe in the water of travel rewards will appreciate the Chase Sapphire Preferred® Card as a place to start. It carries a $95 annual fee but packs in enough value to make it worth it. Cardholders earn valuable Chase Ultimate Rewards® points for access to transfer partners or for easy, no-strings-attached redemptions in Chase Travel℠. There’s no foreign transaction fee and a wide selection of travel insurances.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Annual fee: $95

Other benefits and drawbacks: Chase Ultimate Rewards points can be redeemed through Chase’s travel portal, transferred to Chase’s airline and hotel transfer partners or redeemed for a statement credit. The card also offers a $50 hotel credit when booked through Chase’s portal and a 10% anniversary points boost. This means that if you spend $10,000 on the card, you’ll earn an additional 1,000 Ultimate Rewards points when renewing your card.

Read more: Chase Sapphire Preferred Benefits and Is the Chase Sapphire Preferred Worth It?

Best Premium Travel Rewards Card: Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is among the best travel cards on the market in any category. The points are easy to earn and simple to redeem, plus the card comes with a bevy of benefits and credits that easily make the annual fee worthwhile ( rates & fees ).

Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Annual fee: $395

Other benefits and drawbacks: The annual fee may give you pause, but the card comes with a $300 annual credit for bookings through the Capital One Travel portal and a 10,000 point anniversary bonus worth $100 in travel. A Priority Pass membership also provides value, giving you access to more than 1,300+ lounges worldwide.

Capital One miles are easy to redeem as they can either be applied toward travel purchases or transferred to travel partners. The main downside to the Venture X is a lack of domestic airline transfer partners, meaning that points will take a bit more knowledge to redeem than American Express Membership Rewards® or Chase Ultimate Rewards® .

Read more: Capital One Venture X Benefits and Is the Capital One Venture X Worth It?

Best Travel Credit Card for International Travel: Chase Sapphire Reserve®

The Chase Sapphire Reserve® makes our list of best travel rewards cards for many reasons. While it does charge a high annual fee, it earns valuable rewards at a solid rate with transfer partners that cover redemption options all over the world. There’s also best-in-market travel insurance benefits and no foreign transaction fee. As a Visa card , it’s also widely accepted worldwide. If you travel at least a couple times per year, this card deserves serious consideration.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Annual fee: $550

Other benefits and drawbacks: Chase Ultimate Rewards® points earned with the Sapphire Reserve and redeemed for travel through Chase Travel℠ are worth 1.5 cents each or points can be transferred at a 1:1 ratio to Chase’s travel partners. Cardholders can also make up for a chunk of the annual fee with the $300 annual travel credit, a Priority Pass Select airport lounge membership and up to a $100 credit every four years to cover your Global Entry, TSA PreCheck® or NEXUS application fee, all of which make far-flung travel easier to bear.

Read more: Chase Sapphire Reserve Benefits and Is the Chase Sapphire Reserve Card Worth It?

Best Travel Rewards Credit Card for Lounge Access: The Platinum Card® from American Express

If you’re looking for a giant welcome bonus to get things started, The Platinum Card® from American Express (terms apply, see rates & fees ) might be for you. After meeting initial spending requirements, you’ll earn valuable Membership Rewards points redeemable toward travel and other options. The downside is it carries the largest annual fee on our list.

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership.

Annual fee: $695

Other benefits and drawbacks: If you’re willing to put in the work to get all of the rebates offered on the card, the benefits can easily offset the annual fee and then some. Many of the perks are very specifically applied and may also require enrollment. Examples include statement credits toward Uber, Saks Fifth Avenue, select digital entertainment, select hotel stays and airline incidental fees. Industry-leading lounge access to more than 1,500 Priority Pass locations worldwide is another major draw.

Read more: Is The Amex Platinum Worth the Yearly Fee?

Best Travel Rewards Earning for Foodies: American Express® Gold Card

Some cards offer bonuses on dining, some on groceries, but you can earn bonus points on basically anything you eat with the American Express® Gold Card (terms apply, see rates & fees ). This is an appealing option for anyone who wants to redeem travel rewards but doesn’t spend enough on flights or hotels to require elevated earning categories on travel itself.

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Annual fee: $250

Other benefits and drawbacks: Although this card earns Membership Rewards, which are great for travel, it doesn’t pack travel-specific benefits. Instead, it includes monthly credits, some requiring enrollment, that are great for more common expenses, such as Uber Cash and dining credits valid at GrubHub (including Seamless) and more. For someone who wants to transform everyday expenses into a vacation, this card seamlessly blends the experience.

Read more: Amex Gold Benefits and Is the Amex Gold Worth It?

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

There are no complicated earning structures with the Capital One Venture Rewards Credit Card , just simple, straightforward, flat-rate points in exchange for an easy-to-swallow annual fee ( rates & fees ).

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on Capital One Entertainment purchases through 12/31/25 and an unlimited 2 miles per dollar spent on other purchases.

Welcome offer: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.

Other benefits and drawbacks: Expect dialed-back benefits compared to more premium travel cards, though that’s only fair with an annual fee at a fraction of the cost. You’ll still enjoy select trip protections along with no foreign transaction fee. Keep in mind that you’ll want to redeem for travel bookings or transfers to partner programs (cash back is only worth half the rate).

Best Travel Rewards Credit Card With No Annual Fee: Bilt World Elite Mastercard®

The Bilt World Elite Mastercard®  offers a unique opportunity to earn rewards on rent without paying processing fees, but it has value for anyone seeking transferable points without an annual fee ( rates & fees ). This card is impressive enough to stand as a travel card on its own even if you don’t pay rent.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The Bilt World Elite Mastercard® has a few limitations—you’ll only earn points when making at least five transactions per statement period and earnings on rent are capped at 100,000 points per calendar year—but it’s otherwise a strong card.

Bilt points are transferable to a number of valuable transfer partners including World of Hyatt and American Airlines or you can redeem through their travel portal where point values vary with your redemption option. You can also save your points towards a down payment on a home if you decide travel takes a back bench to homeownership.

Best Travel Credit Card for Fair Credit: Credit One Bank Wander® Card

If your credit score isn’t quite ready for a premium travel card, take a look at the Credit One Bank Wander® Card . The card earns at exceptionally high rates on travel purchases and there’s no foreign transaction fee. Sadly, the card isn’t perfect: You’ll miss out on fancy extras like airport lounge access or the ability to transfer points to other programs.

Rewards: Earn 10 points per dollar on eligible hotels and car rentals booked through the Credit One Bank travel partner, 5 points per dollar on eligible travel, dining and gas and 1 point per dollar on all other purchases.

Other benefits and drawbacks: Don’t be fooled by this low-frills card. The earning rates alone will have you traveling in no time. The card is also well-suited to simultaneously work on improving your credit, with options to choose your own due date and track your credit score. Eventually, this could lead you to even more card options in the future.

Best Airline Rewards Program for International Travel: Aeroplan® Credit Card

The Aeroplan® Credit Card provides a generous rewards program, but for those who fly Air Canada and Air Canada Rouge, the card also provides an accelerated route to elite status. Like most airline cards, this card makes the most sense for those who predominantly fly Air Canada.

Rewards: Earn 3 points per dollar spent on dining, takeout and eligible delivery services, grocery stores and each dollar spent directly with Air Canada including vacations and cruises and 1 point per dollar for all other eligible purchases.

Welcome offer: Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening.

Other benefits and drawbacks: New cardholders will enjoy 25K status through the rest of the calendar year after approval and the next. To maintain status thereafter requires $15,000 of spending on the card in a calendar year. Existing status holders can upgrade to 35K status with $50,000 in spending per calendar year. Cardholders receive the first checked bag free for themselves and up to eight travel companions on the same reservation when flying Air Canada.

A $100 Global Entry, TSA PreCheck or NEXUS application fee credit every four years as well as preferred pricing on award flights sweeten the deal, which includes a list of protections such as trip cancellation/interruption insurance , baggage delay insurance, trip delay reimbursement , secondary auto rental collision damage waiver and purchase protection.

Best United Credit Card: United Quest℠ Card

The United Quest℠ Card is a midrange United card. It’s a bit pricier than the Explorer card but not nearly as much as the United Club℠ Infinite Card. But with a $125 annual credit on United purchases, two 5,000 MileagePlus credits earned annually after your first cardmember anniversary valid for eligible flight redemptions (see offer for details) and two free checked bags for you and a travel companion when flying United, the Quest could be just right for you.

Rewards: Earn 3 miles per dollar on United® purchases, 2 miles per dollar on dining, select streaming services and all other travel and 1 mile per dollar on all other purchases.

Welcome offer: Earn 60,000 bonus miles and 500 Premier qualifying points after spending $4,000 on purchases in the first 3 months.

Other benefits and drawbacks: In addition to offering extra travel benefits, the Quest card is also a better option for earning miles than the cheaper Explorer card. You’ll earn miles at an elevated rate and can also earn 25 Premier Qualifying Points for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQPs in a calendar year.

Best Premium Airline Card: United Club℠ Infinite Card

As a general rule, if you’re looking for an airline-specific card, you’ll want to get a card with the airline you fly the most. For earnings potential, valuable points and additional useful benefits including lounge access, the United Club℠ Infinite Card comes out ahead.

Rewards: Earn 4 miles per dollar on United® purchases, 2 miles per dollar on all other travel, on dining including eligible delivery services and 1 mile per dollar on all other purchases.

Welcome offer: Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

Annual fee: $525

Other benefits and drawbacks: The most prominent benefit of the United Club℠ Infinite Card is access to United Club airport lounges and other Star Alliance Gold lounges. You’ll also benefit from two free checked bags for yourself and another person traveling on the same reservation, expedited check-in, security screening and boarding, a trusted traveler application fee reimbursement, expanded access to award flights and Premier Upgrades on award tickets if you have status. Other travel protections and benefits are also included.

Best for British Airways Passengers: British Airways Visa Signature® Card

For those who can make the most of the British Airways’ mileage redemptions , the British Airways Visa Signature® Card makes sense. It offers a sizable welcome bonus, providing solid value against its relatively low annual fee of $95. Big spenders have an opportunity to earn a companion ticket , making it attractive to people who travel regularly back and forth across the Atlantic.

Rewards: Earn 3 Avios per dollar on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Welcome offer: Earn 85,000 Avios after spending $5,000 on purchases in the first three months of account opening.

Other benefits and drawbacks: The British Airways Visa Signature® Card offers Visa Signature benefits such as extended warranties and fraud liabilities, but it also offers several airline-specific benefits. Each calendar year you spend more than $30,000 on the card you’ll earn a Travel Together Ticket, which adds an additional seat on the same flight and in the same cabin when booking a British Airways flight (business-class inclusive).

Cardholders can also earn credits of $100 for economy and premium economy or $200 for business and first class, up to three times per year. Additionally, you can use this card to earn 10% off British Airways flights originating in the U.S. when using a special link provided to cardholders.

Best for Southwest Passengers: Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card beats other Southwest cards in terms of value, rewards and perks, but it may not seem as impressive compared to other options—especially Chase Ultimate Rewards®-earning cards which permit users to transfer their rewards at a 1:1 ratio to Southwest.

Rewards: Earn 3 points per dollar on Southwest purchases, 2 points per dollar on Rapid Rewards hotel and car rental purchases, 2 points per dollar on local transit and commuting, including rideshare, 2 points per dollar on internet, cable, phone services and select streaming and 1 point per dollar on other purchases.

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

Annual fee: $149

Other benefits and drawbacks: The Southwest Rapid Rewards® Priority Credit Card provides a $75 annual travel credit, 7,500 bonus points each anniversary year and four upgraded boardings (subject to availability). Cardholders also get 25% back on in-flight drinks and Wi-Fi when they pay with their card, but unlike other airline cards, there’s no need for a baggage credit, since all passengers’ first two checked bags fly for no extra charge. For those seeking companion passes with Southwest airlines (an industry favorite among domestic travel hackers) the card provides 10,000 extra qualifying points as a boost each year.

Best Midrange Hotel Card: IHG One Rewards Premier Credit Card

For those who frequently stay at IHG properties, the IHG One Rewards Premier Credit Card offers generous rewards on hotel stays for an annual fee of $99.

Rewards: Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases.

Welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Annual fee: $99

Other benefits and drawbacks: The IHG One Rewards Premier Credit Card benefits list includes a complimentary fourth night benefit—when booking four consecutive nights with points, you will receive your fourth night free. Additionally, on your cardmember anniversary, you can enjoy a Free Anniversary Night at properties that cost 40,000 points or less per night. You can also qualify for a credit of up to $100 for Global Entry, TSA PreCheck or NEXUS membership every four years.

Best Travel Credit Card for Hyatt Loyalists: The World of Hyatt Credit Card

Travelers that love Hyatt, love Hyatt. The World of Hyatt Credit Card isn’t necessarily the best way to earn World of Hyatt points. But between the annual free night and the ability to spend toward status, it’s a good option for people who frequent Hyatt hotels.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 30,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening, plus up to 30,000 more bonus points by earning 2 bonus points per dollar spent in the first 6 months on purchases that normally earn 1 bonus point on up to $15,000 spent.

Other benefits and drawbacks: In addition to the ability to earn points in a wide range of categories, The World of Hyatt Credit Card offers cardholders a free hotel night valid at Category 1 to 4 Hyatt hotels each cardmember anniversary year and the ability to earn a second one after spending $15,000 on the card in a calendar year.

Depending on how much you spend on non-Hyatt travel purchases and at restaurants, the Chase Sapphire Reserve® could offer you the ability to earn more Hyatt points in a year because Chase Ultimate Rewards® points transfer to Hyatt at a 1:1 ratio.

Best for Marriott Customers: Marriott Bonvoy Boundless® Credit Card *

Of the many Marriott credit cards, the Marriott Bonvoy Boundless® Credit Card * balances a moderate annual fee with the heavy-hitting benefit of an annual free night award and other hotel perks.

Rewards: Earn 6 points per dollar at participating Marriott Bonvoy hotels, 3 points per dollar spent each year (up to $6,000) on combined grocery stores, gas stations and dining purchases and 2 points per dollar on all other purchases.

Welcome offer: Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening.

Other benefits and drawbacks: This card’s earning rates won’t win any awards, but travelers can still find value with this card. Automatic Silver Elite status comes with some nice bonuses when staying with Marriott and you’ll also receive 15 Elite Night Credits each calendar year to help you hit the next status level faster. If your stays alone won’t hit that level, you can also earn additional Elite Night Credits through spending: One night per $5,000 in eligible card charges. Or, earn Gold Elite automatically by spending $35,000.

Best Premium Hotel Card: Hilton Honors Aspire Card from American Express *

In addition to earning points at a relatively quick rate, the Hilton Honors Aspire Card from American Express * also offers complimentary top-tier Hilton Honors Diamond status. Other Hilton benefits include a free night award annually and up to $400 in resort statement credits each year.

Rewards: Earn 14 Hilton Honors bonus points at participating hotels or resorts within the Hilton Portfolio, 7 points per dollar on eligible purchases for flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies and U.S. restaurants and 3 points per dollar on other eligible purchases.

Welcome offer: Earn 150,000 bonus points after spending $6,000 in purchases within the first 6 months of card membership.

Other benefits and drawbacks: While the Hilton Honors Aspire Card from American Express * earns more points per dollar than some other cards on this list, hotel points are generally not as valuable as airline miles or flexible rewards points. That said, it packs in the benefits.

In addition to hotel perks, cardholders also receive up to $200 in statement credits semi-annually ($400 per year) when using their card to cover eligible Hilton resort charges. You can also earn up to $50 in statement credits quarterly toward qualifying flight charges for a total of $200 per year if maximized.

Best No Annual Fee Hotel Card: Wyndham Rewards Earner® Card *

With no annual fee, the Wyndham Rewards Earner® Card * offers solid hotel benefits and earning rates for travelers—especially road trippers, thanks to gas rewards and properties that line the interstates.

Rewards: Earn 5 points per dollar spent on Hotels By Wyndham and gas purchases, 2 points per dollar spent on restaurants and grocery purchases (excluding Target and Walmart) and 1 point per dollar spent on other purchases.

Welcome offer: Earn 75,000 bonus points after spending $2,000 on purchases in the first six months of account opening.

Other benefits and drawbacks: There’s no glitz on this card, just the basics. Still, the welcome offer is reasonably achievable and guests have access to discounts on both paid and award stays with Wyndham-family hotels. Cardholders are also boosted to Gold status for upgrades and extras while traveling. And high spenders get an additional reward on top of all this: You’ll earn 7,500 bonus points each anniversary year after spending $15,000 or more with your card.

Methodology

Forbes Advisor considered dozens of airline, hotel and flexible-rewards credit cards to create this list of the best travel credit cards. The primary factors taken into consideration for all types were:

• Estimated annual earnings—25% to 50% depending on card category
• Welcome bonus—15% to 25% depending on card category
• Travel benefits—15% to 25% depending on card category
• Annual fee—5% to 15% depending on card category
• Consumer benefits—0% to 10% depending on card category
• Foreign transaction fee—0% to 5% depending on card category

Hotel earnings rate was weighted 25% for hotel credit cards and airline earnings rate was weighted 15% for airline credit cards.

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

Read more: How Forbes Advisor Rates Credit Cards

Complete Guide to Travel Credit Cards

What is a travel credit card, how do travel credit cards work, types of travel credit cards, co-branded travel cards vs. general travel cards, pros and cons of travel credit cards, should i get a travel credit card, when should you use a travel credit card, why you should consider a travel credit card, how to choose and compare travel credit cards, evaluating airline credit cards, evaluating hotel credit cards, how to maximize credit card points for travel, how to travel for free with credit cards.

• Travel Rewards Cards in the News

Are Travel Credit Cards Worth It?

Frequently asked questions (faqs).

A travel credit card is a card that earns rewards on travel. Those rewards come in a variety of ways. It can earn airline miles, hotel points or flexible points that can be redeemed either with transfer partners or applied towards travel charges.

Many travel credit cards also come with additional benefits such as free checked bags, priority boarding, access to airport lounges and even discounts on hotels or rental cars. Some cards offer welcome bonuses when you sign up, which can provide a nice cache of points or miles to help you start redeeming for valuable rewards.

Travel credit cards may offer value for frequent travelers who want to earn rewards quickly and easily while they’re on the go. These credit cards can be used in any country that accepts major card networks (Visa, Mastercard, Amex, etc) and they often charge no foreign transaction fees, which means there is no extra charge from the credit card company to make purchases abroad.

By using a travel credit card, it’s possible to pile up points over time and redeem them toward flights, hotel stays or other travel expenses.

A travel rewards credit card accrues miles or points for each purchase made with the card. After earning miles or points, there are usually a few redemption options including redeeming for airline tickets, gift cards or statement credits. As a general rule, redeeming miles and points for travel will result in the most value.

How Do Credit Card Points Work?

Credit card points, like Chase Ultimate Rewards®  or American Express Membership Rewards , are earned for each purchase made with the card. Every card has a different earning structure, so one card may earn high rewards on travel and dining purchases while another may earn more points on groceries and gas spending. Often, credit card points will have multiple redemption options, like for cash, travel or gift cards vs. a co-branded card , which tends to earn rewards that can only be redeemed for one thing like travel with a specific airline or hotel or merchandise.

How Do Credit Card Travel Miles Work?

Airline and hotel point values often are variable, which means that the worth of a point may fluctuate depending on the specific redemption. Some programs will tie the value of their points or miles to the cash equivalent of a ticket or hotel night. Others have a tiered system based on something like peak or off-peak travel times, seat class or hotel category—or a combination of the two.

Since airline and hotel rewards are primarily redeemed towards nights or flights, it makes sense to do the research before cashing in a stash of points to make the most of your redemption. Forbes Advisor’s guide to redeeming points and miles is a good place to start.

Not all travel credit cards are alike. Here’s how the various types break down, so you can choose which type of rewards card is best for your unique circumstances.

Transferable Rewards Credit Cards

These types of credit cards earn rewards that can be transferred to other programs, like airline or hotel loyalty programs. Transferable rewards include Capital One Rewards , Bilt Rewards , Brex Rewards , Chase Ultimate Rewards® , American Express Membership Rewards and Citi ThankYou Points .

Airline Credit Cards

Airline credit cards earn miles that can be used to redeem for future purchases with that airline. You can also use that airline’s miles to book flights on partners or other carriers within the same airline alliance , which may yield greater value for your earnings.

Many of the best airline credit cards offer perks beyond earning miles. Usually the higher the annual fee, the more benefits you’ll get. Some common airline credit card extras may include free checked baggage, priority boarding, a TSA PreCheck or Global Entry application fee credit and airport lounge access. If you’re able to max out these extras, the perks can often be worth more than the annual fee.

Hotel Credit Cards

Anyone who stays in hotels at least semi-regularly and who can pledge loyalty to one brand may find that a hotel credit card is right for them. With these cards, you’ll earn rewards in the hotel’s currency, like Marriott Bonvoy points , Hilton Honors points or World of Hyatt points , which are redeemable towards any eligible hotel property under that brand’s umbrella.

Owning a hotel credit card can be a much faster path towards accruing points than earning them on stays alone. Some cards confer automatic elite status upon ownership, which comes with its own set of benefits that can range from late check-out to free breakfast to room upgrades. Additionally, many cards will also offer one night free annually every year you renew your card membership as well as other perks such as airport lounge access.

Fixed-Value Credit Cards

Credit card points may often have a fixed-value when redeemed for things like cash back or travel, where the issuer publishes the cash value per point. For example, a card may offer a value of a penny per point when redeemed for any valid travel purchase.

With some cards, fixed-value points currencies can also vary by redemption type. For example, points on a card might be worth 1.5 cents each when redeemed for travel rewards but only be worth 1 cent each when redeemed for cash back.

Business Credit Cards for Travel

If you’re traveling for work and you want to keep your business expenses separate from your personal expenses, a travel business credit card may be worth considering. Business credit cards for travel function the same as consumer credit cards for travel, although the business versions often offer different earning rates and perks, as well as a different annual fee structure.

A co-branded card generally makes sense if you tend to stay loyal to that brand when you travel. Using a co-branded card can fast-track you towards elite status with a hotel or airline and often comes with other valuable benefits. If you’d prefer to fly any airline you choose and stay at any hotel brand you’d like, a general travel card is likely a better choice for your needs.

What You Get With General Travel Credit Cards

With travel credit cards, the level of benefits will most likely be associated with the annual fee. A premium card might come with airport lounge access, travel protections including trip cancellation and delay insurance and exclusive privileges at luxury hotels. A midrange card might still offer auto rental insurance and a Global Entry or TSA PreCheck benefit. Even a card with no annual fee might offer some basic benefits depending on the card.

What You Get With Co-branded Travel Credit Cards

A co-branded travel card will offer benefits specific to that brand. For airline cards, you might see a checked bag benefit or a rebate on in-flight purchases. For hotel cards, you might see a status level, a free annual night award or anniversary points. Both types of cards might offer you the ability to spend towards higher levels of status.

To learn more about the best co-branded credit cards, see our guides below:

• Best Southwest Credit Cards
• Best American Airlines Credit Cards
• Best Delta Credit Cards
• Best United Credit Cards
• Best Hyatt Credit Cards
• Best Marriott Credit Cards

Ask an expert

Is it better to choose a flexible travel rewards card or one branded to a specific airline or hotel?

Yanely Espinal

Advisory Board Member

Clint Proctor

Credit Cards Editor

Becky Pokora

Credit Card Expert

If I had to choose, I’d say flexible travel rewards because it allows for much more versatility in your redemption options beyond just flights and hotel stays. But the best approach is to have both so you can maximize benefits from each card type by earning rewards across all of the spending you normally do, while getting perks with your favorite travel providers at the same time.

Since I’m not particularly loyal to any airline or hotel, I prefer the flexibility of general travel cards. I especially appreciate travel cards that offer transfers to travel partners. With flexible rewards, I can access 10 to 20 or more loyalty programs from a single card. This increases my chances of being able to take advantage of the best award deals that are available for my next trip.

I love that most co-branded travel cards include benefits when booking with that brand. Free night certificates on hotel cards and free checked bags with airlines are valuable perks. Plus, even though earning a single type of point might seem limited, big hotel chains have more than a dozen brand choices and airlines may have 10 or more alliance partners, so you’ll still find plenty of versatility.

Pros of Travel Credit Cards

• Fast-track to free or discounted travel. You’ll earn rewards on your spending that can be used to reduce the cost of future travel.
• Elite perks and benefits. Many cards offer money-saving extras like free luggage or complimentary breakfast.
• Lack of foreign transaction fees. Some of the best travel credit cards won’t charge you extra for using your card abroad.

Cons of Travel Credit Cards

• Limited-use rewards. The best value in owning and using a travel rewards card comes from redeeming the rewards for more travel.
• Annual fees can be high. Cards with the most premium perks tend to also have the most premium price.
• Redemptions can be complicated. For some reward programs, squeezing the most outsized value out of your points or miles can require some work.

It’s safe to say that travel credit cards will likely only appeal to travelers. Their benefits and rewards are specialized and would be hard to use if you don’t intend to travel. For anyone who travels even once or twice a year, though, these credit cards can make a lot of sense compared to cash-back cards or other rewards credit cards due to all of the included perks.

• Business travel: If your work requires you to travel, having a dedicated travel card can make it easy to keep your business expenses separate from your personal expenses.
• International travel: If you’re planning to travel abroad, travel credit cards often come with perks like no foreign transaction fees, airport lounge access and application fee reimbursements for Global Entry or TSA PreCheck that can make your journey more comfortable.
• Luxury travel: If you want an upscale experience like access to exclusive airport lounges, automatic hotel room upgrades and property credits, a travel credit card with these features can grant you access to these features.

How Many Travel Credit Cards Should I Have?

The number of travel credit cards you should have will depend on how often you travel, which benefits you value, your financial situation and whether you’re willing to spend time tracking multiple cards. Frequent travelers will find value in holding at least one travel card, but may consider holding several. For example, having both an airline card and a hotel card can provide complementary benefits and the ability to earn rewards for all aspects of your travel plans.

Travel cards often include numerous membership benefits such as elite status when traveling with partner programs, free checked bags, lounge access or discounts on ancillary travel fees. These benefits can make your trips easier, more comfortable and more affordable. Additionally, travel credit cards offer the opportunity to earn valuable rewards and in some cases may provide higher yields than cash back or other types of rewards.

When comparing travel credit cards, items to consider include:

1. Annual Fee

The annual fee on credit cards ranges from zero to several hundred dollars. In general, the more expensive the card, the richer the perks and rewards. It can be well worth it to pay an annual fee if you’ll use the associated benefits, but there are travel credit cards without an annual fee if you’re more comfortable with that structure.

2. Foreign Transaction Fee

If you’re traveling out of the country, be sure your travel card doesn’t carry any foreign transaction fees. This can be an additional 2% to 3% surcharge on top of the price of your purchase and makes everything you buy with a card in a foreign country more expensive than a card without this fee. Foreign transaction charges also apply to purchases made in other currencies, even if you haven’t left the U.S. The best no foreign transaction fee cards ensure you’re not paying this surcharge.

3. Sign-up Bonus

If you’re trying to decide between two similar cards, it can help to consider the welcome offer on a given card. These welcome offers ebb and flow and if a card you’re thinking about offers a particularly generous offer, it can help offset the annual fee and/or the cost of future travel.

4. Rewards Rate

When choosing a card, think about your spending patterns. If you rarely fly, it may not make sense to own a card that offers the most rewards on airline purchases.

5. International Acceptance

In some countries, all credit cards may be accepted, but that isn’t always the case. When traveling outside of the United States, Visa and Mastercard tend to be more widely accepted than American Express or other cards. Because of this, if you travel often, you may want to choose a Visa or Mastercard either in addition to or in lieu of other types of cards.

6. Travel Protections

Many travel credit cards include various forms of travel protections, such as trip interruption coverage or collision damage waivers for rental cars. These included protections could save you money compared to separately purchased policies but won’t necessarily be as comprehensive. Check with your card benefits guide to get information on your coverage terms. If you travel often, it might be worth specifically seeking out the best credit cards with travel insurance or the best credit cards for car rental insurance .

— Yanely Espinal , Forbes Advisor Credit Cards Advisory Board Member

Also consider any special perks associated with cards you evaluate. These might range from airport lounge access to statement credit reimbursements for certain purchases made with specific brands or on purchases in specific categories.

Airline credit cards typically earn frequent flyer miles on every purchase. Co-branded airline cards also frequently come with perks while traveling, like free checked bags, enhanced award space or lounge access. They may also help you achieve elite status more easily.

When evaluating the best airline credit cards , think about:

• Earning rates.  Many airline credit cards don’t offer elevated earnings on categories other than airline spending, so you’ll need to choose carefully if that’s important to you.
• Perks while flying. Typically, only cards with an annual fee include benefits while flying such as priority boarding or complimentary checked bags.
• Elite-qualifying bonuses.  Some cards include bonus elite-qualifying miles when hitting spending thresholds, which can further enhance your flying experience.
• Companion fares.  Some airline cards offer the opportunity to earn a companion certificate, which allows you to bring a second traveler on your trip for a reduced price.

Additionally, redeeming frequent flyer miles can be more complicated than requesting cash back or other types of rewards. Though using miles for award flights can lead to tremendous value, you’ll need to learn the ropes of the program.

7 Ways To Earn More Airline Miles

The most common ways to earn airline miles are either through flying with the airline (or its partners) or by using a credit card that earns frequent flyer miles on every purchase. You can also earn more airline miles by:

• Making purchases through airline shopping portals
• Booking hotel reservations through the airline’s platform
• Renting cars and opting in to frequent flyer miles instead of rental credits
• Completing partner activity, which varies by airline but may include partnerships with Starbucks, Lyft or other brands you use anyway
• Checking your account to register for promotions
• Dining with partner restaurants
• Transferring flexible credit card points

Hotel credit cards will earn points toward future free stays, but this is one case where the benefits can often outshine rewards. More often than not, hotel cards come with automatic elite status as well as a fast track to even higher levels of status. Plus, annual free night certificates or statement credits add to their value proposition.

Many hotel loyalty programs offer multiple co-branded cards to choose from, making it even more important to compare the characteristics of an individual card. It’s not uncommon for a single hotel brand to offer a no-annual-fee card, a mid-tier card and a premium card—each with different earning rates and benefits.

When evaluating hotel credit cards, consider:

• Elite status offers.  Generally speaking, cards with higher annual fees may automatically bump you to higher elite status levels which can be invaluable on frequent stays.
• Free night certificates.  Many, but not all, hotel cards offer free night certificates either upon renewal of your card or when hitting spending thresholds. Each certificate may come with restrictions on when or where you can redeem it, so compare fine print.
• Earning rates.  Hotel cards may offer huge multipliers on bonus categories, allowing you to earn five to 10 times on certain purchases. However, keep expectations in check: Hotel points may not be worth a full penny per point.
• Statement credits.  Some cards may include statement credits toward eligible purchases made at hotels and resorts or even on airline fees or restaurant purchases, which can be valuable, but you’ll need to actually use them.

8 Ways To Earn More Hotel Points

In addition to booking hotel stays or using a hotel-branded credit card, you can also earn hotel points through other methods such as:

• Charging incidental purchases made at hotel properties to your account, such as spa, parking or dining expenses
• Booking events or meetings at participating hotels
• Making purchases through hotel shopping portals
• Renting cars and opting in to hotel points instead of rental credits
• Completing partner activity, which may include partnerships with Starbucks, Lyft or other brands you use anyway
• Transferring flexible credit card points to your preferred hotel program

The best way to make the most of your credit card is to use a card that aligns with your spending patterns.

• Choose a card that offers bonus points in spending categories meaningful to you
• Pair credit cards that offer identical awards in different areas of spending
• Use your credit card instead of cash or debit when possible

Airline and Hotel Rewards Loyalty Programs

Understanding how to get the most out of the points and miles you earn from your travel credit card goes hand-in-hand with using the loyalty programs offered by most airlines and hotel brands. It’s free to join and you can belong to as many loyalty programs as you like. Typically, when you sign up for a co-branded credit card affiliated with a particular brand, you’ll automatically become a member of the loyalty program if you aren’t already.

Track Your Credit Card Points and Miles Earnings

Tracking your spending allows you to make sure that every time you make a purchase, you’re using the card that will earn you the most rewards. This means knowing which card to use in which scenario based on how a particular merchant codes the purchase . For example, if you own two credit cards, one that earns high rewards on dining and one co-branded airline card, it might not make sense to use the airline card to pay your restaurant tab since the dining card likely earns more rewards. You can do this by various methods as complicated as creating a spreadsheet or as simple as putting stickers on each card to remind you when to use it.

How To Use Credit Card Points for Travel

Beyond earning rewards, there are strategies to get the most value when it comes time to redeem your rewards, too. When it comes time to cash in your travel rewards, there’s generally two ways to do it. You can plan the itinerary you want and use your rewards to fully or partially off-set the cost. Or, you can research to see where the rewards you have can be used to get the most bang for your buck. Now, American Express is making it easier for some cardmembers to redeem miles for flights due to a partnership with Point.me .

Find the Best Hotel Rewards Credit Cards of 2024

Credit cards can save you a lot of money on travel compared to paying full price. Often, the most substantial way to travel for free with credit cards is by redeeming rewards for travel. A combination of welcome bonus offers and the rewards you earn from everyday spending can add up to hundreds of dollars in value toward free travel. However, you’ll need to learn to redeem points and miles from your specific program to do so.

Included statement credits or card benefits can also help you travel for free. Premium credit cards may offer annual credits toward the purchase of select travel, effectively serving as a rebate. Alternatively, you might have airline companion certificates or hotel free night certificates, which work more like a coupon.

Travel Rewards Cards In the News

Travel lovers now have another great credit card option with the launch of the Wells Fargo Autograph Journey℠ Card in March 2024. This new card earns 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants and 1 point per dollar on other purchases. Those are high reward rates for a card that doesn’t require you to make reservations through a dedicated booking channel or proprietary travel portal.

Though cardholders will be able to transfer points to a limited number of travel partners beginning in April, this card may be a better fit as the best rewards credit card for travel spending. Learn more about how this card is making waves .

Credit Card Debt Is a High Priority Budget Item

Second only to mortgages, credit card balances take precedence when it comes to paying down debt. According to a Forbes Advisor survey conducted by OnePoll in April 2023, 28% of survey respondents would make credit card payments a top priority to pay down if they lost a job.

While this is a great goal to have, making payments when you’re also hit by a loss of income can be challenging. That’s why it’s important not to let balances spiral out of control in the first place. Ideally, credit cards should only be used to make purchases you can reliably afford to pay off. If that’s unrealistic, some offer an introductory 0% APR on new purchases or balance transfers (for when you’ve already accumulated debt from previous charges).

At Forbes Advisor, we encourage everyone to pay off their bills as soon as possible. And while travel rewards cards can be tempting ways to earn points or miles, keep in mind that interest charges on a carried balance will quickly add up to more than your rewards could ever be worth, making it more important to pay off your debt before dreaming about your next vacation.

Generally speaking, yes, travel credit cards are worth it —if you’ll use the benefits. Travel rewards credit cards can be a strategic addition to your finances if you travel with any regularity. You’ll be able to earn rewards on every purchase and later redeem those rewards toward future trips, often at a higher yield than if you had chosen cash back or other types of rewards. Many travel cards also include benefits to enhance your travel experience along the way to add even more value.

To view rates and fees for The Platinum Card® from American Express please visit this page . To view rates and fees for American Express® Gold Card please visit this page . To view rates and fees for Bilt World Elite Mastercard® please visit this page . For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

What is considered travel for credit cards?

Each issuer’s definition of which purchases or which purchase categories may vary slightly, but categories likely to be included by any issuer include airfare, hotels, rental cars and cruises. For example, Chase offers a fairly wide definition of travel, with airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways and parking lots and garages all considered travel eligible for rewards.

Even if your purchase would typically count toward a category, it’s worth noting that merchants are typically responsible for the categorization and if the merchant you purchase from isn’t categorized correctly, your transaction likely won’t earn rewards.

What credit score is needed for a travel credit card?

A travel rewards credit card will typically recommend good to excellent credit in order to qualify. Plan to have a credit score of at least 700 to get approved by the top credit cards on the market. Some of those cards might even require applicants to have a credit score of 720 or higher.

What is the easiest travel credit card to get?

Most travel credit cards require good to excellent credit scores. However, generally speaking, no-annual-fee travel cards are typically easier to be approved for than the ultra-premium travel cards with high annual fees.

What is the best credit card with travel insurance?

Forbes Advisor’s best credit cards for travel insurance list has a variety of cards offering solid travel insurance. Although you shouldn’t get a credit card for this feature alone, it can be a useful money-saving extra. Credit cards that offer travel insurance tend to have high annual fees, so keep this in mind when weighing whether or not you are likely to use the feature.

What is the best card for international travel?

Many credit cards are well suited for international travel. You want to make sure that the card has no foreign transaction fees . It also helps if the card’s points are suitable for the locations where you wish to travel. For instance, if you want to go to Asia, an airline card co-branded with a U.S.-based airline that doesn’t fly to Asia, like Southwest, will not help you.

How many miles do you need for a free flight?

The number of miles you need for a free flight depends on different factors, including which airline miles you are using, where you are flying to and from, when you are traveling and other factors. Most domestic airlines have ditched award charts, meaning the price in miles for any flight can vary even between flights on the same day.

Domestic flights in the U.S. will generally require fewer miles than international flights. Typically, count on spending between 5,000 and 20,000 miles for a domestic one-way flight in economy.

Long-haul international flights can cost quite a bit more. Plan on spending between 20,000 to 40,000 miles each way to fly to Europe in economy and even more for flights to Asia, Africa and Oceania.

Don’t forget to consider the cost of checked bags and fuel surcharges before booking your ticket. Flights booked with rewards are also often subject to government taxes and fees, which you’ll still be responsible for even when you redeem miles.

How much is a point or mile worth on travel credit cards?

Point values are as varied as the types of points themselves. Some cards’ points values are more straightforward because rates are somewhat tied to the cash prices. However, if a program uses an awards chart, the value of the point will vary widely depending on how you are redeeming it. In general, you’ll get the highest value per point on premium airline seats and luxury hotel stays.

What is the difference between points and miles on a credit card?

Points and miles are effectively the same, they’re just different names for the rewards earned on a particular credit card. Some credit cards offer points, some—particularly airline cards—offer miles. But the fundamental function is the same in that these rewards cards all earn a specified type of award currency based on your spending that can be used in various ways.

How should I inform my credit card company of upcoming travel?

Notifying your credit card issuer of your travel plans before you travel can help avoid denied transactions due to suspected fraud. An issuer’s system may flag a transaction as suspicious and prohibit a transaction if it suspects your card or card information has been stolen. For this reason, issuers typically make it fairly easy to notify you when you’re headed out of town. You can notify your issuer of your travels by calling the number on the back of your card or logging onto your card issuer’s website and finding the option to submit a travel notice.

Are travel cards with annual fees worth it?

Travel cards with annual fees can be worth paying for only if the extra rewards and benefits outweigh the added cost of the annual fee. Just because an annual-fee card earns more rewards and provides more benefit does not, however, make it more rewarding than a no-annual-fee card —the extra reward must exceed the amount of reward received from the best no-annual-fee option for you. The risk you take when paying an annual fee is that you won’t receive a benefit worth the annual fee, so be sure to carefully evaluate this risk before applying.

Do I have to tell my credit card company when I travel?

Most credit card issuers no longer require you to notify them before travel. In fact, Chase and some other companies have removed the travel notification tools from your online account or app. Card fraud alerts are more advanced now and legitimate transactions should post without incident.

However, you may want to be sure you have access to confirm whether or not something is suspected of fraud just in case—either by making sure your phone number has service abroad to respond to automated text messages or by downloading your card app in advance to manage your account.

Other Credit Cards To Be Considered

• Best Credit Cards Of 2024
• Best Airline Credit Cards
• Best Hotel Credit Cards
• Best Business Credit Cards for Travel
• Best No Annual Fee Travel Credit Cards
• Best Credit Card For Lounge Access

*The information for the following card(s) has been collected independently by Forbes Advisor: Marriott Bonvoy Boundless® Credit Card, Hilton Honors Aspire Card from American Express, Wyndham Rewards Earner® Card . The card details on this page have not been reviewed or provided by the card issuer.

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Yanely Espinal is the director of educational outreach for Next Gen Personal Finance, a nonprofit working to ensure that every high school student gets a full semester of personal finance education—including lessons in proper credit card usage—before graduation. She is often described as a ball of energy, with a gift for storytelling, and a passion for explaining credit cards and other financial concepts in a straightforward way.   While working as an elementary school teacher, Yanely decided to change her financial life by paying off $20,000 of debt in just 18 months. In 2015 she created MissBeHelpful, a YouTube channel and social media platform that now has over 5 million views, to help others learn the money skills she never learned in school. Some of her most popular videos on the channel include “5 Things to Consider When Applying for a Credit Card” and “When To Pay Your Credit Card Bill and Increase Your Credit Score.”   Her book, “Mind Your Money,” is an Amazon bestseller and was a Plutus Award finalist for Best New Personal Finance Book of 2023. She hosts Financially Inclined from Marketplace, a video podcast for teens about money lessons for living life your own way. Yanely is also a member of CNBC's Financial Wellness Advisory Council and an Advocate at the NGPF Mission 2030 Fund.  

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• Credit Cards

Best Instant-Use Credit Cards That Issue Card Numbers Upon Approval [May 2024]

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Table of Contents

Best instant-use credit cards by category, why would you need an instant credit card number, issuers that offer instant-use card numbers, issuers that do not currently offer instant card numbers, how do i get an instant credit card number, what is the easiest instant credit card to get, are there business credit cards that offer instant use, final thoughts.

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

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies .

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Applying for a new credit card can at times be a nerve-wracking experience — but it quickly turns to excitement when you see the words, “Congratulations, you’ve been approved!” appear on your screen.

If you’re applying for a new card, you will likely be eager to start using the credit card today. However, there are a variety of factors that will determine how quickly you can begin using your new card.

Even though your application process may result in an instant decision, usually credit card issuers will require you to wait until you receive the card in the mail before you begin using it. The wait for your new card can often be 5 to 7 business days.

Some issuers will issue your credit card number instantly upon approval so you can begin using it right away.

To make matters easier, we’ve compiled a list of all major credit card issuers and their respective policies on issuing credit card numbers after approval ready for instant use.

So why should you rush to get your credit card number in the first place? Here are a few reasons why you might want the option to use your card right away:

• Upfront Discount: If it’s a co-branded credit card you’re after, you’ll likely receive some sort of perk or discount with the merchant as soon as you sign up. This could be as simple as a discount off of your airfare when you’re about to complete your booking. In this case, having the card number right away allows you to apply that discount to the purchase you were about to make anyway.
• Large Upcoming Purchase To Help Meet Welcome Bonus Offer: If you’re familiar with the world of points and miles, you know that credit cards can come with very lucrative welcome bonuses for meeting the minimum spending requirements. The sooner you can meet the spending requirement, the sooner you get a large influx of points! Because of this, many people like to open a new credit card when they have a large upcoming purchase , such as a wedding or moving expenses.
• Emergency Need: Sometimes, you may find yourself in need of a line of credit quickly, and perhaps a 0% intro APR offer makes the most sense for you. In any case, if you need help financing a large or unexpected purchase you likely will want access to that credit sooner rather than later.

American Express

An instant card number upon approval of a new account is available on all American Express credit cards .

However, some people report that for co-branded cards, the card number issued instantly is only for use at the co-brand location. For example, a Hilton card may only be used with Hilton or a Delta card only for use with Delta.

After your card number is given to you, remember to write it down and/or take a screenshot. You can request the number again from Amex, but it’s far quicker to take note of the card number as you’re approved for the card.

Keep in mind that the card number you receive will likely be the same as the one on your physical card, but your temporary security code likely will not be the same.

Bottom Line: American Express is by far the most convenient option when it comes to getting access to your new credit card number immediately. In this case, we highly recommend these cards as a top option for those who need to access their new credit card number instantly.

Recommended American Express Cards

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

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

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

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

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

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

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

• 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
• $0 intro annual fee for the first year, then $95 annual fee ( rates and fees )
• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It ® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred ® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred ® Card. Enrollment required.
• APR: 19.24%-29.99% Variable,0% on purchases for 12 months

Redeem cash-back through your American Express account

Hot Tip: If you don’t see your card number as soon as you’re approved, you can request the card number from Amex by getting in contact with them. In addition, many users have reported being given a statement credit if Amex’s software fails and is unable to issue the card number. 

Chase (Use “Spend Instantly” Feature)

Chase credit cards offer a “Spend Instantly”  feature as part of its Chase Mobile app . Once you’re approved for a new card, you can immediately add that card via your app to 1 of 3 digital wallets: Apple Pay, Google Pay, or Samsung Pay.

Here is how it works:

Step 1: Log in to your account.

Step 2: Select your new card, then scroll down to Manage Account and click Digital Wallets .

Step 3: From there, you can select which digital wallet you want to instantly link your card to.

Step 4: You’re all set! Now you can start using your card before it even arrives in the mail.

Currently, most Chase credit cards are eligible for the Spend Instantly feature, with the exception of the Aeroplan ® Credit Card , Amazon cards, business cards, Chase Freedom Flex℠ , Disney cards, the DoorDash Rewards Mastercard ® , the Instacart Mastercard ® , and IHG cards. Fortunately, 3 of our favorite cards, the Chase Sapphire Preferred ® Card , the Chase Sapphire Reserve ® , and the Chase Freedom Unlimited ® are all included.

Recommended Chase Cards

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

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

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

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

Chase Ultimate Rewards

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

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

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

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 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 SM . For example, 75,000 points are worth $937.50 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.
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Bank of America

According to Bank of America, customers who apply and are approved for a credit card via the Bank of America Mobile Banking app can upload it immediately to their digital wallet.

However, for those who apply through the website, the Alaska Airlines Visa Signature ® Credit Card seems to be the only one that gives an instant card number.

Bank of Missouri

SoFi partners with this small regional bank to offer its credit card to customers. When you are approved for the SoFi Credit Card , you can immediately add it to a digital wallet and begin using it for purchases with your mobile device.

Several Barclays co-branded credit cards offer instant card numbers and credit available for purchases made through the co-branded website:

• Frontier Airlines World Mastercard ® — Instant credit toward purchases made through the Frontier website
• Hawaiian Airlines ® World Elite Mastercard ® — Instant credit toward travel purchases made through the Hawaiian Airlines website
• The JetBlue Card — Instant credit toward purchases through the JetBlue website
• Priceline Rewards™ Visa ® Card — Instant credit toward purchases through the Priceline website
• Princess Cruises ® Rewards Visa ® Card — Instant credit when used to purchase a cruise with Princess Cruises

A handful of Citi cards will offer you instant card numbers, including:

• Citi Custom Cash ® Card
• Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® — Temporary instant credit number for purchases through the American Airlines website
• Costco Anywhere Visa ® Card by Citi

Goldman Sachs

The Apple Card  will allow cardholders to use the card instantly upon approval via the Wallet app on your iPhone.

HSBC will provide you with your credit card number after approval, but not the CVV or your card’s expiration date.

The only cards offered by Synchrony that give instant access to your card number are:

• eBay Mastercard
• PayPal Cashback Mastercard

You can make an online purchase of up to $250 via PayPal with either card.

USAA will give you an instant card number to use, along with the expiration date and 3-digit code. This has a maximum credit limit of $1,000, which is increased to your approved credit limit when the physical card arrives.

U.S. Bank has begun issuing instant credit cards for mobile/online use on some cards with plans for this to roll out to all cards in the near future. This option is currently limited to those processing a credit card application with the text-to-apply option, which only can happen for an application processed by a banker, either in-branch, over the phone, or via email.

Wells Fargo

The Bilt World Elite Mastercard ® Credit Card , issued by Wells Fargo, allows you to access your card number instantly through the Bilt mobile app after you’re approved for the card.

• Alliant Credit Union
• Capital One
• Navy Federal Credit Union

The most important thing to remember is that not all credit cards, or credit issuers, offer an instant card number feature. Given that, we recommend you choose one of the cards that we’ve outlined above in order to be able to receive an instant credit card number in the first place.

Assuming you’ve been approved for one of the cards we’ve highlighted above, you’ll usually receive your instant credit card number in 1 of 2 ways.

Some issuers, like American Express, will provide you with an account number immediately upon approval that you can begin using until your physical card arrives.

Other issuers, such as Chase, offer a “Spend Instantly” feature, allowing you to add your new card right to a digital wallet like Apply Pay or Google Pay right after you’ve been approved. This allows you to use your card just as you would any other that has been added to your digital wallet, even though you haven’t received the physical card yet.

A great card option that is relatively easy to be approved for and offers instant use is the Freedom Unlimited card . For a $0 annual fee, you’ll earn 5% back on travel purchased through Chase Travel , 3% back on dining and drugstore purchases, and 1.5% back on all other eligible purchases.

While some credit cards are easier to get than others, for those that are worth having at least where earning rewards are concerned, you will need a relatively strong credit score no matter what.

Given that, if your credit score isn’t exactly where you’d like it to be at the moment, we recommend you focus on these tips to improve your credit score .

Yes, in fact, 2 of our favorite business cards, The Business Platinum Card ® from American Express and the American Express ® Business Gold Card are both able to receive an instant card number after being approved for the card.

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

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

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

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 ( rates & fees )
• Airline fee credit does not cover airfare, only incidentals like checked bags
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR ® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• APR: 19.49% - 28.49% Variable

American Express Membership Rewards

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

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

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

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW!  U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW!  Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection
• $375 annual fee ( rates and fees )
• No elite travel benefits like airport lounge access or elite status
• Welcome Offer: Earn 70,000 Membership Rewards ® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards ® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

We highly recommend both business cards, not just for the rewards and benefits they provide, but as great options for those who need a business card that they can use instantly.

In summary, while there are some issuers that will allow you to receive your card instantly, you’ll usually need to wait between 5 to 7 business days to receive your new credit card. If you happen to need access to your card right away, we recommend you consider an American Express card, as that will likely be your best bet.

Keep in mind that these policies can change at any time, and issuers can operate at their own discretion when deciding whether or not to issue your new card number instantly.

We love it when our readers share their experiences with us, so if you have a data point that confirms (or conflicts) with ours, please let us know in the comments below!

The information regarding The JetBlue Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Alaska Airlines Visa Signature ® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the SoFi Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Frontier Airlines World Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hawaiian Airlines World Elite Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Apple Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Frequently Asked Questions

Can i use a new credit card before it arrives.

Unless the credit card issuer allows newly approved cardholders instant access to their card number, you will have to wait until the card arrives in the mail.

How long should I wait to use a credit card after activating it?

You can begin using your card immediately after receiving it in the mail and following the designated instructions to activate.

Can you get a credit card on the same day?

Assuming you apply online and receive instant approval, some issuers like American Express can provide you with access to your credit card number immediately, but others will not. However, another option is to ask if your card can be shipped via expedited mail. This won’t give you access to your card immediately, but will be much faster than standard mail.

Do all credit cards give an instant decision after submitting your application?

In some cases, you may be approved instantly after submitting your application. However, it is not uncommon for an issuer to need extra time to review your application before making a decision on whether or not to approve it. In some instances, they may take 2 weeks, or more, to review your application.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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• Key takeaways

Top credit cards you can use instantly after approval

Our top picks for instant approval credit cards you can use immediately, let's compare the best instant use credit cards of 2024, more info on the best instant use credit cards, instant approval credit cards vs. instant use credit cards, which issuers offer access to instant credit card numbers after approval, how do instant approval credit card numbers work, faq: instant approval credit cards.

Instant Use Credit Cards You Can Use Immediately After Approval

• Instant approval credit cards provide an account number you can use before your physical card arrives.
• Some instant use cards can only be used online, some only in stores and some in various locations.
• Instant use cards are not the same as instant approval cards.
• Several credit card providers offer this benefit, and you can typically find out whether your card does by reading the fine print on the offer.

Instant approval credit cards you can use immediately let you use your account to make purchases without waiting for a physical card to arrive. Because it can take up to two weeks for a card to arrive by mail, this can be a big convenience perk. 

Find out more about instant use cards in the article below. 

We’ll answer questions such as:

• What are some credit cards that you can use instantly once you’re approved?
• What is the difference between instant-approval credit cards and instant use cards?
• How do immediate use credit card numbers work?

Our top picks for the best instant approval credit cards

• Blue Cash Everyday® Card from American Express: Best for Everyday Purchases: No Annual Fee
• Blue Cash Preferred® Card from American Express: Best for Everyday Purchases: Groceries & Gas
• Capital One Walmart Rewards® Mastercard®: Best for Everyday Purchases: Walmart
• Chase Freedom Unlimited®: Best for Everyday Purchases: Flexible Cash Back
• Chase Sapphire Preferred® Card: Best for Travel: Flexible Rewards
• Chase Sapphire Reserve® : Best for Travel: Premium Chase Rewards
• Capital One Venture Rewards Credit Card: Best for Travel: Simple Rewards
• Capital One Venture X Rewards Credit Card: Best for Travel: Premium Capital One Rewards
• Chime Credit Builder Secured Visa® Credit Card: Best for Credit Building
• The Platinum Card® from American Express: Best for Travel: Premium Amex Rewards

Not all credit cards offer instant use account numbers, but a growing number do. The details on how the instant credit card numbers work differ by credit card or provider. For example, some offer instant access through their app, while others offer a credit card number you can use online or save in a virtual wallet like Google Pay.

We’ve provided a list below of cards that offer instant use numbers. This is only a small sampling of cards that may come with this benefit.

Best for Everyday Purchases: No Annual Fee

Blue cash everyday® card from american express.

Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases.

Card Details

More Card Info

• 0% intro APR on purchases and balance transfers for 15 months after account opening, then 19.24% to 29.99% variable APR.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.
• No annual fee
• 0% APR on eligible purchases for 15 months
• Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping
• Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
• 2.7% foreign transaction fee
• Low rewards rate outside of bonus categories

For a no-annual-fee option, the reward rate on this card is pretty solid, but for heavy spenders, other cards may offer more value.

Best for Everyday Purchases: Groceries & Gas

Blue cash preferred® card from american express.

Earn 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit, and 1% back on other purchases.

• 0% Intro APR for purchases and balance transfers during the first 12 months (then 19.24% to 29.99% variable)
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Excellent rewards on spending at U.S. supermarkets, U.S. gas stations, transit and more
• 0% APR on purchases for a limited time
• Don’t need to activate categories
• Rewards can only be redeemed for a statement credit or at Amazon.com
• Charges foreign transaction fees
• Has an annual fee

Although this card has an annual fee, most families will be able to easily get enough value out of the everyday categories to make it worth it.

Best for Everyday Purchases: Walmart

Capital one walmart rewards® mastercard®.

Earn 5% back on Walmart.com & in the Walmart app, including grocery pickup and delivery, 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA gas stations, and 1% back everywhere else Mastercard® is accepted.

• Add your Walmart Mastercard to Walmart Pay immediately after approval for instant use.
• Earn 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when you use your Capital One Walmart Rewards Card with Walmart Pay
• Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery
• Earn 2% cash back on restaurants and travel purchases, and at Walmart stores
• Earn 1% cash back everywhere else Mastercard is accepted
• $0 fraud liability for unauthorized charges
• High rewards rate at Walmart.com
• Instant use through the Walmart app
• Subpar rewards outside of online Walmart purchases
• Few additional perks
• No intro APR offer

For Walmart enthusiasts and online shoppers, this card could be a great fit. Otherwise, another card may provide more value.

Best for Everyday Purchases: Flexible Cash Back

Chase freedom unlimited®.

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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 1.5% cash back on all other purchases.

Best for Travel: Flexible Rewards

Chase sapphire preferred® card.

Earn 5X points on travel booked through Chase, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.

Best for Travel: Premium Chase Rewards

Chase sapphire reserve®.

Earn 10X points on hotels and car rentals through the Chase portal, 10X points on Chase Dining purchases, 5X points on flights booked through Chase, 3X points on travel and dining, and 1X points on all non-bonus spending.

Best for Travel: Simple Rewards

Capital one venture rewards credit card.

Earn 5X miles per dollar on hotel stays or rental cars booked through Capital One’s portal and 2X miles on all other purchases.

• 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
• Travel insurance protections incuded
• Earn flexible rewards for travel
• Reasonable $95 annual fee
• Requires good or excellent credit
• No everyday spending bonus categories

The massive sign-up offer and generous, flexible rewards make this card a great option for casual travelers.

Best for Travel: Premium Capital One Rewards

Capital one venture x rewards credit card.

Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare purchased through the portal, and 2X miles per dollar spent on all other purchases.

• 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
• 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
• Miles can be redeemed for travel purchases, transfers to international airlines, and more
• Can qualify for hundreds of dollars in credits each year
• Huge welcome offer
• $395 annual fee
• Large spending requirement to earn the welcome bonus
• Excellent credit required

With a lower annual fee than some premium cards and extremely valuable benefits, this card can easily be worth the annual fee for the frequent traveler.

Best for Credit Building

Chime credit builder secured visa® credit card.

This card doesn’t earn any rewards.

The Chime credit card works like other secured credit cards in the sense that it requires a security deposit. However, it offers several features that put it in a league of its own. Chime essentially works like a prepaid card. You simply add money to your Chime Builder secured account from your checking account and can spend until your card balance reaches $0.00. This is great for people trying to build or rebuild credit**, as it works similarly to a debit card (It’s not a debit card, but Chime does offer a debit card— use code SAVE10 to get $10 when you activate your Chime Debit Card within 30 days of enrollment ).

However, unlike a debit card, Chime reports to all 3 credit bureaus, so you build credit while you spend. Other noteworthy features of the Chime Credit Builder card include not requiring a credit check at sign-up or a minimum security deposit (Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.)

To qualify for the Chime Credit Builder card, all you need is to open a Chime Checking Account and receive a qualifying direct deposit of $200 or more. After receiving that direct deposit you can apply for a secured Chime Credit Builder Visa® Credit Card!

*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.

**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

• No credit check required to apply
• No annual interest charges
• No credit limit greater than your deposit
• Need direct deposit account with Chime
• No option to upgrade

This card offers a good alternative for people to build or rebuild their credit but doesn’t earn rewards and may be confusing to use.

Best for Travel: Premium Amex Rewards

The platinum card® from american express.

Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.

• $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.
• Excellent rewards rate for travel purchases
• Qualify for $1,500+ in statement credits
• Very generous welcome offer
• High annual fee of $695
• Many statement credit offers are too specific and hard to use
• Non-travel-perks aren’t spectacular

This is quite a spectacular card with incredibly valuable benefits, but the annual fee is objectively very high.

Once you’re approved for the Blue Cash Everyday Card from American Express , you will be invited to receive an instant card number. Amex will provide you with your card number, a temporary four-digit identification number and an expiration date so you can use it anywhere American Express is accepted.  In a few simple steps, you can also add your new card number to your digital wallet for in-store shopping and select online checkout services. Remember, you can only get instant card numbers through online AmEx applications and not over the phone.

Blue Cash Everyday Card from American Express review

If you’re approved for the Blue Cash Preferred® Card from American Express online, you can get an instant card number and start earning cashback right away. This number works wherever American Express is accepted without needing a physical card. American Express also gives you the option to add your actual card number to your digital wallet on your mobile device. Your eligibility for an instant card number depends on AmEx’s ability to quickly verify your identity.

Blue Cash Preferred Card from American Express review

To use your Capital One Walmart Rewards Mastercard immediately and start earning rewards, simply create an account and verify your identity on Capital One’s website or mobile app.  Once approved, you’ll receive credentials for a temporary shopping pass that is good for 10 days.  You can also get instant access to credit by adding a temporary shopping pass to Walmart Pay through the Walmart app.  Once your physical card arrives, you can update Walmart Pay with your actual card information.

Capital One Walmart Rewards Mastercard review

You can start meeting the requirements for the welcome bonus instantly with the Chase Freedom Unlimited® card.  Once you’re approved for your new card, you can easily link it to Apple Pay, Google Pay, or Samsung Pay through the Chase mobile app. This allows you to start using your card at merchants that accept these digital wallet platforms right away and earn rewards on purchases.

Chase Freedom Unlimited review

Chase offers several cards that support instant use, including the Chase Sapphire Preferred Card . You get a credit card number you can store in a digital wallet, including Google Pay, Samsung Pay or Apple Pay. You can then use your digital wallet to make payments with the card account. Chase also offers a mobile app, and you can make some purchases through that app with your instant credit card.

Chase Sapphire Preferred Card review

Once you’re approved for the Chase Sapphire Reserve card online, you can start using it instantly with a digital wallet. To start, you’ll need to download the Chase Mobile app to your device.  Log in to your account, select your card, then select the mobile wallet you want to use (Apple Pay, Google Pay, and Samsung Pay are all available) and you can start shopping and using the card benefits right away.

Chase Sapphire Reserve review

Capital One offers virtual credit card numbers for many of its rewards cards , including the  Capital One Venture Rewards Credit Card . You can use virtual card numbers with select digital wallets, such as Google Pay, to make payments with the Capital One mobile app.

Capital One also provides a browser extension and virtual assistant called Eno. You can use your virtual card numbers to make purchases online with the help of Eno immediately. Even after you receive your physical card, you can keep this option when shopping online to protect your account better.

Capital One Venture Rewards Credit Card review

You can get instant card numbers from Capital One upon approval, but eligibility is not guaranteed for everyone. You can check your eligibility on the Capital One mobile app by looking for your card details in the “Your Card Number” section. 

Alternatively, with the Capital One Venture X Rewards Credit Card , you can instantly use a virtual card number, which is a different number than your actual credit card number.  Virtual card numbers can be found in the Capital One Mobile app, online banking, Google Pay™, and Capital One Eno.  By signing up for Eno, Capital One’s virtual assistant, you can generate a new virtual card number whenever you’re ready to check out a purchase on your mobile device or desktop, making your online shopping experience safer and protecting you from fraud.

Capital One Venture X Rewards Credit Card review

When you sign up with Chime you can instantly make online and digital purchases using a temporary card.  Your temporary digital card number is available to view in the Chime app and includes a complete card number, expiration date, and CVV.  You can use a temporary card to pay bills online, add to a digital wallet such as Apple Pay or Google Pay, or even link to apps like Venmo or Cash App.  Once you receive your actual card in the mail and activate it, you will no longer be able to use your temporary card.

Once you’re approved for  The Platinum Card from American Express , you receive a temporary card number and everything you need to use that account number anywhere Amex is accepted. That includes a card ID number and expiration date.

Amex actually provides this benefit on all its cards, but a few limitations apply. The credit card issuer must be able to authenticate your identity to issue you an instant number. Co-branded Amex cards, such as the  Amex Delta credit cards , may come with instant use numbers you can only use with the brand in question. In that case, you’ll have to wait until you get your physical card to make other types of purchases with the account.

The Platinum Card from American Express review

While instant use credit cards are typically instant approval cards, these are two different things.

Instant approval credit cards

Instant approval refers to the practice of letting you know immediately — usually within seconds or minutes — whether you are approved for a credit card. Almost all card issuers provide instant approval today. However, not every application can be instantly approved.

In some cases, the creditor needs additional information to approve your account. You are typically notified in seconds that this is the case and provided instructions for providing that information. The creditor may need documentation regarding your income, for example. In these situations, approval can take a few days or weeks.  

Instant use credit cards

Instant use credit cards are accounts you can use immediately after you are approved. You are provided with a virtual credit card number or another option, such as an app, to make purchases before your physical card arrives in the mail.

Not all credit cards come with this benefit, and not all credit card accounts that are instantly approved offer instant use numbers.

A growing number of banks and credit card issuers are providing instant credit card numbers to cardholders. 

The issuers below offer at least one credit card with this benefit.

• American Express

Amex offers this benefit on most, if not all, of its cards. You can use your instant use card number with Amazon Pay, Google Pay, Fitbit Pay, PayPal, Samsung Pay and Apple Pay.

• Capital One

Capital One offers this option on select cards and to select applicants. The easiest way to use a Capital One virtual credit card is via the Capital One assistant, Eno, which is a browser extension.

Some Citi credit cards provide a temporary credit card number you can use on the application approval page. You can also enroll in the virtual credit card option via your Citi online account.

U.S. Bank offers instant use digital cards for some approved cardholders. You can download the digital card into a compatible digital wallet and use it to make purchases before you get your physical card — or even after.

Discover offers an instant use token option that can be used with digital wallets and virtual credit card numbers. However, this option isn’t available for all card types or applicants.

Many Chase credit cards come with an option to spend instantly. This is supported via a virtual card number that can be loaded into digital wallets.

This is not an exhaustive list, and other banks and issuers offer this benefit. As previously mentioned, almost all retail co-branded credit cards or store-only credit cards can also be used instantly at the register or in the online shopping card upon approval.

Instant approval virtual credit card numbers work similarly to your regular credit card, but there are a few limitations. You won’t have a physical card you can swipe at registers, so your ability to shop in stores can be limited by each retailer’s payment policies and your own comfort with payment apps and digital wallets, for example.

The exact process for using an instant use credit card number depends on the card you get and the issuer’s policies. You can see some examples of different approaches in our list of example credit cards with this benefit above.

However, the general concept of instant approval credit card numbers works like this:

• You apply for the card and are, hopefully, approved instantly. Approval depends on your creditworthiness and other factors.
• The card issuer provides you with an instant use credit card number. Whether you receive this benefit may also depend on your credit score and other factors. Card issuers may also require a special identification process before they provide an instant credit card number for you to use.
• The instant use credit card number is either a temporary card number, your actual account number or an app-based dynamic number that is created for each purchase.
• You may need to download the credit card company’s app to access your instant use card number. In other cases, you are provided with the information via a secure email, and you can add the card number to your digital wallet or enter it manually when making online payments.
• In some cases, you don’t have access to your entire credit line via an instant use card. You may only have access to a percentage of your credit line until you get your physical card. This is a security measure some credit card issuers take to protect cardholders from potential fraud.

One important consideration when using a virtual credit card of any type — instant or otherwise — is that the card number you use may not match the card number that’s on your actual credit card. This can be an obstacle when you make purchases that require you to swipe or show your card later.

For instance, some hotels require that you present the card you used to make the booking when you check in. If the credit card numbers don’t match, there can be some confusion or hassle. The same is true when renting a car or purchasing event tickets in advance. It’s best to be aware of the requirements in these types of scenarios so you can use your physical credit card and its matching number when necessary.

Do all credit cards offer instant approval?

Most credit card issuers operate on an instant approval process today, but there are a few instances where instant approval isn’t an option. In some cases, even creditors that offer instant approval may need more time to review a borrower’s documentation for approval.

If I’m approved, can I use my card instantly?

Not all credit cards come with instant use numbers or capabilities. However, if you apply for a card that does offer this option and you’re approved, you will receive a temporary card number or other instructions on how to use your card. After you verify your account and follow these instructions, you can begin making purchases with your card. Often, you can make a purchase with the card just a few minutes after the approval.

Which credit cards give you an instant card number?

A variety of credit card companies offer instant card numbers. That includes options from American Express, Chase and Capital One as well as other banks. Store credit cards almost always support instant use, but you may only be able to make purchases in the specific store until you receive your physical card.

Are instant approval virtual credit card numbers safe to use?

Virtual credit card numbers are as safe to use as any other credit card number, but you should always follow secure practices. Pay attention to where you’re entering your number, and don’t use it on sites that seem suspicious or not secure. Avoid sharing the number in emails or text messages, and never share it on social media.

In some cases, virtual credit card numbers may actually be more secure than using your regular card when shopping online. Some credit card companies provide a dynamic virtual card number when you use their apps or browser extensions. This means a unique card number is generated for each purchase, so even if data from that purchase is included in a data breach, the card number itself is useless for future use.

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

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

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* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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Find the best credit card for you

5 best credit cards that offer pre-approval or pre-qualification in 2024, pre-approval doesn't guarantee approval, but it can help you avoid an unnecessary hard pull on your credit..

The Citi Premier® Card is no longer available for new applicants. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

When you apply for a credit card, the issuer performs what is known as a hard pull or hard inquiry , which shows up on your credit report. Hard pulls temporarily lower your credit score, which isn't the end of the world, but it's better to avoid racking up unnecessary hard inquiries since they can remain on your credit report for up to two years. One way to do this is by going through a card issuer's pre-approval or pre-qualification process before applying.

Getting a pre-approved offer for a credit card doesn't guarantee you'll be approved, but it can give you a better idea of your approval odds with no hard inquiry. There is no impact to your credit score until you formally apply.

Not every card issuer offers pre-approvals. Below, CNBC Select details the top credit cards that generally offer pre-approval or pre-qualification and how they work. (See our methodology for more information on how we made this list.)

Best credit cards for pre-approval

• Best for no annual fee: Wells Fargo Active Cash® Card
• Best for balance transfers: Citi Double Cash® Card
• Best for travel rewards: American Express® Gold Card
• Best for cash-back:   Discover it® Cash Back
• Best for premium perks: Capital One Venture X Rewards Credit Card (see rates & fees )

Best for no annual fee

Wells fargo active cash® card.

Unlimited 2% cash rewards on purchases

Welcome bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; balance transfers made within 120 days qualify for the intro rate

Regular APR

20.24%, 25.24%, or 29.99% Variable APR on purchases and balance transfers

Balance transfer fee

3% intro for 120 days from account opening then BT fee of up to 5%, min: $5

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• Unlimited cash rewards
• $200 cash rewards welcome bonus
• No annual fee
• Introductory APR period for first 15 months
• Access to Visa Signature® Concierge
• Get up to $600 cell phone protection (subject to a $25 deductible)
• 3% fee charged on foreign transactions

Who's this for? The Wells Fargo Active Cash® Card (see rates and fees ) is a jack of all trades, with an easy-to-earn welcome bonus , generous intro-APR offer and a lucrative flat-rate rewards structure — all for no annual fee .

Standout benefits: This card earns unlimited 2% cash rewards on every purchase. This simple cash-reward rate takes the headaches out of maximizing the return you get on your credit card spending.

Wells Fargo pre-approval process: Fill out this Wells Fargo pre-qualification form with your name, address and the last four digits of your Social Security Number (SSN). If you have a Wells Fargo online account, you can log in to expedite the process.

[ Jump to more details ]

Best for balance transfers

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is ideal for those seeking a strong introductory APR offer for balance transfers and still want to earn valuable rewards.

Standout benefits: Eligible balance transfers qualify for an intro 0% APR for the first 18 months, then a variable 19.24% to 29.24% APR applies. There is an intro balance transfer fee of 3% of each transfer completed in the first four months ($5 minimum). The standard balance transfer fee of 5% of each transfer ($5 minimum) applies thereafter.

Citi pre-approval process: See what Citi credit card offers you're pre-qualified for with this form . Enter your name, email, address and the last four digits of your SSN.

Best for travel rewards

American express® gold card.

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

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.

Not applicable

See Pay Over Time APR

Read our American Express® Gold Card review .

• Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
• Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
• Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
• Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
• No fee charged on purchases made outside the U.S.
• No introductory APR period
• $250 annual fee
• Estimated rewards earned after 1 year: $1,074
• Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is great for earning travel rewards thanks to its generous bonuses on common spending categories like dining and groceries.

Standout benefits: Cardholders get up to $120 in annual dining credit (up to $10 per month at Grubhub , Goldbelly, The Cheesecake Factory and other participating restaurants; enrollment is required) and up to $120 in Uber Cash ($10 per month) to put toward rides in the U.S. and dining via Uber Eats (you must add your Amex Gold Card as a payment method in the Uber app to enroll).

American Express pre-approval process: See what American Express card offers you may be eligible for by filling out this form with your name, address, last four digits of your SSN and your annual income. If you already have an Amex account, you may need to open the form in incognito mode or clear your browser's cache to access the page.

Best for cash-back

Discover it® cash back.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

Discover will match all the cash back earned for all new cardmembers at the end of your first year.

0% for 15 months on purchases

17.24% to 28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Good / Excellent

* See rates and fees , terms apply.

Read our Discover it® Cash Back review.

• Cash-back program
• Generous welcome bonus
• Cash-back categories must be activated each quarter
• Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%

Who's this for? The Discover it® Cash Back is a relatively easy-to-get cash-back card with no annual fee and useful rotating bonus categories .

Standout benefits: This card has a unique welcome offer that can supercharge your cash-back earnings. Discover will match the cash back new cardholders earn in the first year. So, purchases that qualify for 5% cash back would effectively earn 10% back in your first year. Plus, the card has no foreign transaction fees.

Discover pre-approval process: Fill out this Discover credit card pre-approval form with your name, address, date of birth, housing payment, student status and gross income to see what offers you're eligible for. If you don't qualify for an unsecured card, you may want to consider a secured credit card such as the Discover it® Secured Credit Card which doesn't require a credit score.

Best for premium perks

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is geared towards those seeking luxury benefits like airport lounge access, annual travel credits, various travel and shopping protections and more.

Standout benefits: Every year, Capital One Venture X Card members receive up to $300 in travel credits for bookings made through Capital One Travel and 10,000-anniversary bonus miles (worth $100 in travel). Those two benefits alone can offset the card's $395 annual fee (see rates and fees ).

Capital One pre-approval process: You can see what Capital One cards you're pre-approved for by filling out this form . You'll need to enter your name, address, email address, phone number, employment status, education, income, housing payment, date of birth, SSN and what type of bank accounts you have.

More on our top credit cards that offer pre-approval or pre-qualification

The  Wells Fargo Active Cash® Card  is a no annual fee card that can help you earn cash rewards, while enjoying various money-saving benefits.

• Unlimited 2% cash rewards on all purchases

Earn $200 in cash rewards after spending $500 in purchases in the first three months of account opening.

Notable perks

Cardholders can take advantage of cell phone insurance when they pay their monthly bill with the card. This insurance covers damage, theft and loss of a cell phone and has a $25 deductible. You can be reimbursed for up to two claims per 12 months and up to $600 per claim.

Cardholders can also save on interest with the card's intro-APR offer. Purchases and eligible balance transfers qualify for an intro 0% APR for 15 months. then a variable 20.24%, 25.24% or 29.99% applies. To qualify for the intro APR, balance transfers must be completed within 120 days of opening the account. There is an intro balance transfer fee , and for the first 120 days you'll pay 3% of the amount of each transfer ($5 minimum). After the intro period, the balance transfer fee increases to 5% of the amount of each transfer ($5 minimum).

[ Return to card summary ]

The Citi Double Cash® Card is a cash-back credit card , but it earns cash back in the form of Citi ThankYou® points , which which can be redeemed in lots of ways, including the option to transfer them to travel partners.

• 5% total cash back on Citi travel bookings (through Dec. 31, 2024)
• 2% cash back on all purchases: 1% back when you buy and 1% back as you pay

Earn a $200 cash bonus after spending $1,500 on purchases in the first six months of account opening.

The ThankYou® points can be redeemed for cash back, gift cards and travel at a rate of one cent per point. Cardholders also have access to a small number of Citi's travel partners, including Wyndham, Choice and JetBlue. If you have a Citi card that enables full transfers, such as the Citi Premier® Card , you can combine the points you earn with your Double Cash and then transfer those points to all of Citi's partner hotel and airline loyalty programs.

There are also several special cardmember programs, including Citi Entertainment℠, which gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft.

The American Express® Gold Card is a travel rewards card with a long list of benefits that can easily make the annual fee worth paying (see rates and fees ). Plus, the Amex Membership Rewards points you earn with this card are some of the most valuable travel points out there since they can be transferred to a variety of airline or hotel partners.

• 4X points at restaurants (plus takeout and delivery in the U.S.)
• 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
• 3X points on flights booked directly with airlines or on Amextravel.com
• 1X points on all other purchases

Earn 60,000 points after you spend $6,000 on eligible purchases within the first six months of card membership.

$250 (see rates and fees )

Cardholders receive up to $120 in dining credit per year ($10 per month) at participating partners and up to $120 in Uber Cash per year ($10 per month) after you add your Amex Gold Card as a payment method in the Uber app. The card also offers no foreign transaction fees (see rates and fees ), baggage insurance, rental car coverage (secondary), extended warranty, purchase protection and trip delay insurance .

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

The Discover it® Cash Back is a no-annual-fee cash-back rewards card that allows you to earn a generous 5% back on rotating spending categories.

• 5% cash back on the first $1,500 in purchases in rotating categories each quarter (when you activate), then 1% cash back. Check out Discover's 5% cash-back calendar .
• 1% cash back on all other purchases

Discover will match the cash back you earn at the end of the first year.

New card members receive an intro 0% APR for 15 months on purchases and eligible balance transfers, then a variable 17.24% to 28.24% applies. An intro balance transfer fee of 3% of the amount you transfer applies to eligible transfers. The standard transfer fee on future balance transfers is up to 5% of the amount of each transfer. (See rates and fees )

The card charges $0 in  foreign transaction fees , which can save you money when traveling abroad.

The Capital One Venture X Rewards Credit Card (see rates and fees ) is a premium credit card with a straightforward rewards structure, a long list of benefits and a lower annual fee than other high-end cards with similar features.

• 10X miles per dollar on hotels and rental cars booked through Capital One Travel portal
• 5X miles per dollar on flights booked through Capital One Travel
• 5X miles on Capital One Entertainment purchases (through Dec. 31, 2025)
• 2X miles on all other purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

In addition to the annual $300 Capital One Travel credit and 10,000 anniversary bonus miles, the Capital One Venture X Card comes with airport lounge access for the primary cardholder and authorized users. One great feature of this card is that you can add up to four authorized users for free and each cardholder gets access to Priority Pass lounges, Plaza Premium Lounges and Capital One Lounges .

Other benefits include:

• Hertz Presidents Circle status (enrollment required)
• Global Entry/TSA PreCheck® application fee credit (worth up to $100)
• Cell phone protection
• Visa Infinite Concierge
• Rental car collision damage waiver (primary)
• Trip cancellation and interruption coverage
• Trip delay reimbursement
• Lost luggage reimbursement
• Extended warranty protection
• Return protection
• Purchase security

What's the difference between a pre-approval and a pre-qualification?

The terms pre-approval and pre-qualification both refer to the card issuers' pre-screening process that can help you determine whether you'll qualify for a credit card without a hard pull on your credit reports. Prequalified offers are typically initiated by consumers who want to check their approval odds, while preapproved offers are generally unsolicited offers from card issuers.

Does pre-approval or pre-qualification result in a hard credit pull?

Most credit card pre-approvals do not result in a hard pull of your credit. Some issuers require a Social Security Number (SSN) or the last four digits of your SSN to process a pre-approval, but this is generally done to verify your identity and shouldn't result in a credit check unless otherwise stated.

Does pre-approval guarantee approval?

If you qualify for a pre-approved credit card or receive a pre-screened offer in the mail, that does not guarantee you'll be approved. Your credit score, income and history with the card issuers are all taken into account, but won't be fully reviewed unless you submit a traditional card application.

Bottom line

Getting a pre-approved, pre-qualified or pre-screened credit card offer doesn't guarantee you'll get approved for the card if you apply. However, seeing whether you're pre-approved for a card offer is easy and typically doesn't require a hard credit pull. So it doesn't hurt to explore what offers you may qualify for.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business credit cards for LLCs.

Our methodology

To determine which business cards offer the best value and pre-approval, CNBC Select analyzed the most popular credit cards available to U.S. consumers that also had a publicly available pre-approval or pre-qualification process at the time of writing. We compared each card on a range of features, including the annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the American Express® Gold Card, click  here .

For rates and fees of the   Discover it® Cash Back, click here .

For rates and fees of the Discover it® Secured Credit Card, click here .

For rates and fees of the Wells Fargo Active Cash® Card, click here .

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Credit cards that offer instant card numbers upon approval

Editor's Note

Some credit card applications offer instant approval — which is great — but even better than this is getting instant access to your new credit card.

Instant access to your new card number lets you start working on spending requirements to earn the card's welcome bonus . After all, the clock on sign-up bonuses starts the day your account is approved — not when you receive your card in the mail and activate it.

This means that getting instant access to your new credit card may provide 1-2 weeks of additional time to work toward its bonus.

Let's look at the credit card issuers to see which ones offer instant card numbers upon approval.

What's the advantage of an instant credit card number?

An instant card number allows you to start using your new card immediately. This provides extra time to work on earning the card's welcome bonus.

It's also a great feature if you're applying for a card with an introductory 0% annual percentage rate (APR) offer , which you might need if you're financing a large purchase in the near future. In the case of store-brand credit cards , you also may receive a discount on your purchases — beginning as soon as you start using the card.

American Express

American Express provides your new account number immediately after approval of your online application, assuming your identity can be verified. Previously, you needed to take a screenshot or write down your card number since you couldn't view the number again. However, some readers have received emails from Amex that allowed them to view the instant card number again upon request.

The instant card number will be the same as the physical card you'll get in the mail, but the four-digit card identification number on the front of the card will be different. Thus, you might want to avoid using this card for recurring payments. Note that instant card numbers of some cobranded cards may only be used with the cobranded company (for example, Hilton or Marriott).

In addition to instant numbers for new cardholders, Amex gives existing cardholders access to their card information when ordering replacement cards.

Related: Choosing the best American Express card for you

Even if you're not interested in getting your card number immediately, you should still request it when prompted by the system. All Amex personal and business cards offer instant card numbers except for the Amazon Business Card and the Amazon Business Prime Card.

Here are a few of our favorite Amex cards that offer instant card numbers:

The Platinum Card® from American Express

Welcome bonus : Earn 80,000 Membership Rewards points after you spend $8,000 on purchases within the first six months of card membership. However, you might be able to earn a higher welcome offer by using the CardMatch tool, which is always worth a look.

Earning rates : 5 points per dollar on flights booked directly with an airline or with American Express Travel (up to $500,000 on these purchases each calendar year, then 1 point per dollar thereafter), 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Annual fee : $695 (see rates and fees )

Why we like it : Besides offering one of the best returns on flight and hotel bookings, the Amex Platinum provides access to the largest number and variety of airport lounges . You can use a screenshot of your card number (or show it in the Amex app) to gain instant access to the American Express Global Lounge Collection , which includes Centurion Lounges and Delta Sky Clubs * (though some Delta lounges have asked to see the physical card in the past), before your physical card arrives. The card also provides automatic elite status with Hilton and Marriott , which you can try to activate before your card arrives (enrollment required).

Other benefits include annual credits for incidental fees on airlines , monthly Uber Cash and shopping credits for Saks Fifth Avenue purchases , as well as several shopping and travel insurance benefits . Enrollment is required for select benefits.

*Effective February 1, 2025: Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.

Read TPG's Amex Platinum review for more details.

Apply here: The Platinum Card from American Express

American Express® Gold Card

Welcome bonus: Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first six months of card membership. Don't forget to check the CardMatch tool, as you may be eligible to receive an elevated welcome offer.

Earning rates: 4 points per dollar on dining at restaurants and at U.S. supermarkets (on up to $25,000 of purchases annually, then 1 point per dollar), 3 points per dollar on flights purchased directly with the airline or at amextravel.com and 1 point per dollar on other purchases.

Annual fee: $250 (see rates and fees )

Why we like it: The Amex Gold offers up to $120 annually in dining credits, up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. (enrollment is required in advance) and up to $120 annually in Uber Cash (up to $10 per month) which can be used toward Uber Eats orders or Uber rides in the U.S. The card must be added to the Uber app to receive this benefit. Earning 4 points per dollar on dining equals a terrific 8% return on spending, based on TPG valuations .

Read TPG's American Express Gold review for more details.

Apply here: American Express Gold Card

Hilton Honors American Express Surpass® Card

Welcome bonus : Earn 130,000 Hilton Honors points after you spend $3,000 in purchases on the card within the first six months of card membership.

Earning rates : 12 points per dollar on eligible purchases at Hilton properties, 6 points per dollar at U.S. restaurants, U.S. gas stations and U.S. supermarkets, 4 points per dollar on U.S. online retail purchases, and 3 points per dollar on other purchases.

Annual fee : $150 (see rates and fees )

Why we like it : The card offers a slew of benefits, with the most notable being automatic Hilton Gold status, which automatically activates a few hours after you're approved. Hilton Gold status is among the most valuable mid-tier hotel statuses, providing an 80% points bonus, space-available upgrades, complimentary breakfast and more.

You can upgrade to Diamond status by spending $40,000 in eligible purchases in a calendar year. Other benefits include a free night certificate after spending $15,000 on purchases in a calendar year. Enrollment is required for select benefits.

Read TPG's Hilton Amex Surpass card review for more details.

Apply here: Hilton Honors American Express Surpass Card

Delta SkyMiles® Gold American Express Card

Welcome bonus: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first six months.

Earning rates : 2 miles per dollar on Delta purchases, 2 miles per dollar at restaurants (including takeout and delivery in the U.S.), 2 miles per dollar at U.S. supermarkets and 1 mile per dollar on other purchases.

Annual fee : $0 introductory annual fee, then $150 (see rates and fees )

Why we like it : This card provides casual Delta flyers elitelike benefits, such as a free checked bag and priority boarding on Delta flights. You can use your instant card number to book Delta flights immediately and begin to take advantage of these benefits before your physical card arrives simply by adding your Delta SkyMiles number to your reservations.

Read TPG's Delta SkyMiles Gold Amex Card review for more details.

Apply here: Delta SkyMiles Gold American Express Card

Bank of America

The only Bank of America card that consistently offers an instant card number is the Alaska Airlines Visa Signature® credit card . Occasionally, those with Bank of America checking accounts may receive a targeted promotion offering an instant card number for cards like the Bank of America® Premium Rewards® credit card ; however, this is not standard practice.

Related: The best Bank of America credit cards

Alaska Airlines Visa Signature® credit card

Welcome bonus: Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Earning rates : 3 miles per dollar on eligible Alaska Airlines purchases, 2 miles per dollar on gas, EV charging stations, local transit, ride-hailing apps, cable and some streaming services and 1 mile per dollar on all other eligible purchases. Plus, earn 10% bonus miles on purchases with an eligible Bank of America account.

Annual fee: $95

Why we like it: Besides offering some of the most valuable airline miles around , you'll also get a free checked bag and priority boarding if you use the card to pay for your flight.

Read TPG's Alaska Airlines Visa credit card review for more details.

Apply here: Alaska Airlines Visa credit card

Barclays never offers instant card numbers. However, you may have access to your card's spending limit (without having access to the card number itself) if you apply for a Barclays-issued card while making a reservation.

Examples include the Frontier Airlines World Mastercard® , Holland America Line Rewards Visa® Card and JetBlue Card . If you apply for and are approved for these cards while making a reservation, you may be able to pay for your trip with the new card but won't be able to use the card for purchases elsewhere.

The information for the Frontier Mastercard, Holland America Visa and JetBlue cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Capital One

It may be possible to use your Capital One card number instantly, but not everyone will have this opportunity. You must be an existing account holder and use the Capital One mobile app to access an instant account number. Note that this differs from the virtual card numbers offered by Capital One.

There is one card that consistently offers instant access to your card number, however: the Capital One Walmart Rewards® Mastercard®.

The information for the Capital One Walmart Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best Capital One credit cards

These are the best Capital One cards offering instant card numbers to eligible applicants.

Capital One Venture Rewards Credit Card

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within three months of account opening.

Earning rates: 5 miles per dollar on hotels and rental cars booked with Capital One Travel and 2 miles per dollar on other purchases.

Annual fee: $95 (see rates and fees )

Why we like it: Earning a minimum of 2 miles per dollar on all purchases is a great return on spending. Other benefits include two complimentary visits to Capital One lounges or Plaza Premium lounges each year (as of January 1, 2025 this benefit will no longer be available) and reimbursement for your Global Entry or TSA PreCheck application fee .

Read TPG's Capital One Venture card review for more details.

Learn More: Capital One Venture Rewards Credit Card

Capital One Venture X Rewards Credit Card

Earning rates: 10 miles per dollar on hotels and rental cars booked with Capital One Travel, 5 miles per dollar on flights booked with Capital One Travel and 2 miles per dollar on other purchases.

Annual fee: $395 (see rates and fees )

Why we like it: Building on the benefits of the Venture card (covered above), you'll also enjoy up to $300 in annual credits for booking through Capital One Travel, 10,000 bonus miles on each account anniversary, access to Capital One and Priority Pass lounges and cellphone protection *.

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

Read TPG's Capital One Venture X card review for more details.

Learn More: Capital One Venture X Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Welcome bonus: Earn a $200 cash bonus after spending $500 on purchases within three months of account opening.

Earning rates: Unlimited 1.5% cash back on all purchases.

Annual fee: $0 (see rates and fees )

Why we like it: You'll get up to six months of complimentary Uber One membership (through Nov. 14, 2024), access to extended warranty* and Master RoadAssist® Service *— all without paying an annual fee.

Read TPG's Capital One Quicksilver Cash Rewards card review for more details.

Learn more: Capital One Quicksilver Cash Rewards Credit Card

Cardless focuses on cobranded credit cards that you can use without needing the physical card — instantly upon account approval and throughout the life of the card. Through the Cardless app, you can access these cobranded cards and can even get a new card number immediately in the app if your card is ever compromised.

Cardless provides cobranded credit cards for brands like Simon Malls, LATAM Airlines and even sports teams from the NBA and the English Premier League.

It is possible to use popular Chase cards like the Chase Sapphire Reserve® and World of Hyatt Credit Card instantly upon account approval by adding these cards to a digital wallet known as Spend Instantly.

However, the issuer notes that several cards cannot be used instantly , including Mastercard, Amazon and business credit cards can't be added to a digital wallet upon card approval.

Related: Maximize your wallet with the perfect quartet of Chase cards

Here are a few popular Chase cards that offer instant card numbers:

Chase Sapphire Reserve

Welcome bonus: Earn 75,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months from account opening.

Earning rates: 10 points per dollar on hotels and car rentals purchased through Chase Travel and on dining purchases through Chase Ultimate Rewards, 10 points per dollar on Lyft rides (through March 31, 2025) and Peloton equipment and accessory purchases (through March 2025) of $250 or more (with a maximum of 50,000 points), 5 points per dollar on flights purchased through Chase Travel, 3 points per dollar on all other travel ( excluding the annual 300 travel credit ) and dining purchases worldwide and 1 point per dollar on other purchases.

Annual fee: $550

Why we like it: On top of an annual $300 travel credit and access to Priority Pass lounges and Priority Pass restaurants , you'll enjoy top-notch travel insurance , a free DoorDash DashPass subscription through Dec. 31, 2024, Lyft Pink All Access membership for two years and Instacart+ and reimbursement for your application fee to TSA PreCheck or Global Entry .

Read TPG's Sapphire Reserve review for more details.

Apply here: Chase Sapphire Reserve

Chase Sapphire Preferred® Card

Earning rates: 5 points per dollar on travel booked through Chase Travel, 5 points per dollar on Lyft rides (through March 31, 2025) and Peloton equipment and accessory purchases (through March 2025) of $250 or more (with a maximum of 25,000 points), 3 points per dollar on dining, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on travel and 1 point per dollar on other purchases.

Why we like it: You'll enjoy top-notch travel insurance similar to that of the more expensive Sapphire Reserve, $50 in hotel credits annually, a 10% annual points bonus , a one-year complimentary DoorDash DashPass subscription and spending credits with Instacart .

Read TPG's Sapphire Preferred review for more details.

Apply here: Chase Sapphire Preferred Card

United Explorer Card

Welcome bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.

Earning rates: 2 miles per dollar on United and dining purchases, 2 miles per dollar on hotels booked directly and 1 mile per dollar on other purchases.

Annual fee: $0 introductory annual fee, then $95

Why we like it: You'll receive elite-like benefits without a hefty annual fee, receiving benefits like a free first checked bag (for you and a traveling companion), priority boarding on United flights, reimbursement for your Global Entry or TSA PreCheck application fee , 25% back on inflight and Club premium drink purchases, two one-time passes to the United Club annually and the ability to earn 500 Premier-Qualifying Points (PQPs) toward elite status for each $12,000 spent on the card annually (with a maximum of 1,000 PQPs).

Read TPG's United Explorer review for more details.

Apply here: United Explorer Card

Several Citi cards offer instant card numbers if your application is approved instantly. However, note that you'll have just one opportunity to view this number, so be sure to write it down. Plus, instant credit card numbers are not available on small-business or American Airlines credit cards , according to a Citi spokesperson.

If your credit card application is approved instantly, there is an option to click on "Get Card Number Today" to access your new card's virtual number. Verification may be required to access your instant card number.

Once you see a green check mark, click on "See Card Summary" to view your temporary card number and card verification value (CVV) number. However, you won't have access to your card's full spending limit until you receive the physical card.

A caveat here is that the Costco Anywhere Visa® Card by Citi (see rates and fees ) and AT&T Points Plus℠ Card may offer instant approval and instant access to purchases with the card. However, this applies only to purchases made at Costco or AT&T, respectively.

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

Related: The best Citi credit cards

Here are the best Citi cards offering instant account numbers:

Citi Rewards+® Card

Welcome bonus: Earn 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening.

Earning rates: For a limited time, earn 5x points per dollar on hotels, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024. Earn 2 points per dollar at supermarkets and gas stations (up to $6,000 of combined purchases per year, then 1 point per dollar) and 1 point per dollar on other purchases.

Why we like it: No-annual-fee cards typically lack powerful benefits, but that's not the case here. Your points are rounded up to the nearest 10 on each purchase, meaning you'll earn 10 points after buying a $1 pack of gum. You also get 10% of your redeemed points back each year — valid on the first 100,000 points redeemed, and this can be paired with other Citi ThankYou points-earning cards in your wallet .

Read TPG's Citi Rewards+ review for more details.

Apply here: Citi Rewards+ Card

Citi Custom Cash® Card

Welcome bonus: Earn $200 cash back after spending $1,500 on purchases within six months of account opening.

Earning rates: 5% back in your top spending category each billing cycle — up to $500 of purchases, then 1% back. Eligible categories include drugstores, fitness clubs, gas stations, grocery stores, home improvement stores, live entertainment, restaurants, transit, travel and select streaming services. 1% back on all other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi travel portal through June 30, 2025.

Why we like it: There aren't many perks on this card, but you'll have access to Citi Entertainment — helping you find and purchase exclusive tickets for concerts, sporting events and more — and free access to your FICO credit score .

Read TPG's Citi Custom Cash review for more details.

Apply here: Citi Custom Cash Card

While Discover often gives you an instant decision on whether you've been approved for a credit card, it does not issue card numbers before your physical card arrives.

Goldman Sachs

The issuer of the Apple Card allows you to use this card instantly with Apply Pay after account approval. Having a physical card is completely optional.

Sign-up bonus: None.

Earning rates: 3% daily cash back on Apple purchases, 2% back when paying with Apple Pay on your iPhone or Apple Watch and 1% on all other purchases. You'll also earn 3% back on purchases with these merchants when paying with Apple Pay: Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats and Walgreens.

Annual fee: $0

Why we like it: You can use the card to make purchases immediately, and the cash-back rewards are available right after each purchase.

Read TPG's Apple Card review for more details.

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

Those approved for the SoFi Credit Card get instant access to a digital card, with physical cards arriving in the mail within 10 business days. On top of not paying an annual fee, you'll earn 3% cash back on up to $12,000 in annual purchases during the first year (then 2% back) if you set up direct deposit to an eligible SoFi account.

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

There are two cards from Synchrony that you can use immediately upon approval. However, you'll only be able to use them instantly within their respective apps: PayPal (for the PayPal Cashback Mastercard® ) and Venmo (for the Venmo Credit Card ).

You'll need to wait for your card to arrive in the mail for purchases with other merchants.

The information for the PayPal Mastercard and Venmo Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

When it's possible to verify your identity and your application is instantly approved, U.S. Bank offers instant credit card numbers on its consumer cards. Here are some of the best cards to consider.

U.S. Bank Altitude® Go Visa Signature® Card

Sign-up bonus: Earn 20,000 bonus points after spending $1,000 on purchases in the first 90 days from account opening.

Earning rates: 4 points per dollar on dining, takeout and delivery, 2 points per dollar at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1 point per dollar on other purchases.

Annual fee: $0 (See rates and fees )

Why we like it: This is one of few cards offering bonus points on streaming subscriptions combined with a streaming credit — $15 per year after 11 consecutive months of streaming purchases. It's not much, but it's a nice touch if you're paying for streaming services anyway. Plus, you can redeem points instantly with U.S. Bank's Real-Time Rewards .

Read TPG's Altitude Go Visa card review for more details.

The information for the U.S. Bank Altitude Go has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

U.S. Bank Cash+® Visa Signature® Card

Sign-up bonus: Earn a $200 reward bonus after spending $1,000 on purchases in the first 120 days from account opening.

Earning rates: 5% cash back on prepaid air, hotel and car reservations booked in the U.S. Bank travel portal, 5% back on your first $2,000 spent in two categories of your choice each quarter (then 1% back), 2% back on one category of your choosing and 1% back on other purchases.

Why we like it: While many credit cards offer 5% back in bonus categories, most don't let you choose those categories. Picking categories that align with your spending habits is a great way to maximize your purchases.

Read TPG's U.S. Bank Cash+ Visa card review for more details.

The information for the U.S. Bank Cash+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Wells Fargo

While most Wells Fargo-issued cards don't offer instant card numbers, the Bilt Mastercard® is an exception and has no annual fee (see rates and fees ).

Bilt Mastercard

Earning rates: 3 Bilt Points per dollar on dining, 2 points per dollar on travel and 1 point per dollar on rent payments (up to 100,000 points each calendar year). You must make at least five transactions each statement period to earn points. You also can earn bonus points through "Rent Day" promotions . See rewards and benefits for more details.

Why we like it: The main perk for most people is the ability to earn points when paying rent by credit card and doing so without incurring additional transaction fees. You'll also have instant access to your card number in the Bilt Rewards app.

Read TPG's Bilt Mastercard review for more details.

Apply here: Bilt Mastercard

What is a credit card instant approval, and how does it work?

As soon as you apply for a credit card, your application is processed by a computer and you'll typically receive one of three responses: immediate approval, some form of "pending" status or denial.

Receiving instant approval doesn't guarantee that you'll be able to begin using the card immediately. If you receive instant approval, you may be presented with the option to view your card number right away; otherwise, you'll need to wait until your physical card arrives in the mail before you can begin using it.

How long does it take for me to get my credit card?

It can take five to 10 business days to get a new credit card after approval. However, that time frame can vary depending on the card and issuer. For instance, American Express uses overnight shipping for the Amex Platinum. Some issuers offer expedited shipping on request, but there's no guarantee — and you may need to pay when requesting expedited shipping.

What is the difference between pre-qualified and pre-approved offers?

The terms pre-qualified and pre-approved are similar and sometimes even used interchangeably. They both help you determine which cards you are most likely to be approved for and find targeted offers that aren't available to every applicant.

Neither a pre-qualified nor a pre-approved offer guarantees approval for a card. Pre-qualified offers tend to require a less extensive check; meanwhile, pre-approved offers typically require you to provide additional personal information or have a financial history with the issuer. A pre-qualified offer is based on a soft pull on your credit report and will not affect your credit score , but initiating a bank's pre-approval process may result in a hard pull on your account.

Related reading: How to find the best pre-qualified credit card offers

Bottom line

Some issuers offer expedited shipping for your new card. In most cases, though, you'll have to wait roughly a week for your new card to arrive in the mail. Having instant access to your new card number can make a big difference, especially if you want to start working toward meeting the minimum spend requirement to receive a welcome bonus. If you're in immediate need of a new credit card, consider one of the options above.

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

For rates and fees of the Amex Platinum card, click here . For rates and fees of the Amex Gold card, click here . For rates and fees of the Amex Hilton Surpass card, click here . For rates and fees of the Bilt Mastercard, click here . For rates and fees of the Delta SkyMiles Gold card, click here . For rates and fees of the U.S. Bank Altitude Go please click here . For rates and fees of the U.S. Bank Cash+ please click here . For rewards and benefits of Bilt Mastercard, click here .

Updated as of 4/18/2024.

Best instant approval credit cards

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If you have bad credit or a limited credit history and are having trouble qualifying for a credit card, instant approval credit cards may hold special appeal.

Instead of waiting days for an approval decision only to be turned down, you can pick the card you want, apply online and find out within seconds whether your application was approved or declined.

While many cards give you a chance to be approved instantly, the cards that list this feature front and center are typically geared toward people with a less-than-ideal credit score.

But like many so-called “guaranteed approval,” “no-credit-check” or “soft pull” credit cards , cards marketed as offering approval in seconds may not be your best option long-term.

That said, a few cards offer both instant approval and hold their own as credit-building or rewards cards. Read on to learn more about how instant approval works, which cards offer it and how it differs from prequalification or an instant use card number , as well as some of the best instant approval credit card offers.

What is an instant approval credit card and which cards are available?

Instant approval allows you to find out whether your application for a new credit card has been approved or denied within seconds (or, at most, a few minutes).

Most major card issuers give you a chance to be instantly approved for some of their credit cards. The cards that make instant approval the norm for applicants, however, are typically credit-building cards, which are designed for people with a damaged or limited credit history.

These instant approval credit card offers feature a low entry barrier, making approval more likely for most cardholders. So it’s safe to conclude that instant approval credit cards don’t always require good credit.

To start, you’ll fill out an online application form with basic information including your name, address, annual income and Social Security number.

The card issuer will then run a preliminary credit check and, if you meet the basic requirements, approve your application on the spot. This is typically only a conditional approval, however—the issuer may examine your credit history more thoroughly before making a final approval decision.

While instant approval can save you some time and take some of the guesswork out of the application process, standard approval decisions generally don’t take too long (usually a few days or a couple of weeks at most). Indeed, according to federal guidelines, an issuer is required to let you know whether your application has been approved or denied within 30 days.

What credit score do you need to get instant approval?

No specific credit score threshold guarantees instant approval. As is true with all credit card applications, your odds of instant approval will vary considerably depending on the card you’re applying for and your credit profile; the higher your credit score, the more likely you are to be approved instantly.

For example, if you have a good—but not excellent—credit score, it’s unlikely that you’ll be instantly approved for a luxury travel credit card . But you may still be approved in the end.

If, on the other hand, you applied for a card that required only an average credit score , you’d have a much better chance of getting an instant approval. ​​If you have a low or bad credit score, instant approval cards offers may be limited to cards like secured credit cards .

Instant approval vs. prequalified offers

While there is some overlap between instant approval and prequalified offers, it’s important to distinguish between the two.

With instant approval, your application is approved and you’re able to open a new credit card account in seconds, whereas with prequalification, an issuer performs a soft pull of your credit report and lets you know whether or not you meet the basic requirements for getting the card.

Getting prequalified gives you a good sense of your odds of approval but it doesn’t guarantee approval. You’ll still have to put in a formal application and face a hard pull of your credit report.

You can typically prequalify for a new card via an issuer’s website or a tool like CardMatch in less than 60 seconds, but even if you’re instantly prequalified and apply straight away, an actual approval decision may take longer.

Instant approval vs. instant use

Similarly, you may be instantly approved for a new credit card, but that doesn’t mean you can use it right away.

While some cards offer both instant approval and a card number you can use immediately, the inclusion of one feature does not guarantee the other.

This means that even if you complete a card application and see that you’re approved a few seconds later, you may still have to wait a couple of weeks for your physical card to arrive in the mail.

If you’re looking for a card that gives you access to your account information as soon as you’re approved, search for an “instant use” credit card instead of an instant approval credit card.

Approval decision times vary on instant use cards, but once you’re approved, you’ll be able to see your credit card number online or via an issuer’s mobile app and can start using it to make purchases immediately.

A number of major issuers—including American Express, Bank of America, Capital One, Goldman Sachs, Sutton Bank and Synchrony Bank—offer instant use on some of their cards.

While instant approval is possible on a number of popular credit cards, including some of the top rewards cards on the market, the majority of cards that market themselves as “instant approval cards” are designed for cardholders with a damaged or limited credit history. These typically include secured credit cards and some store credit cards .

Because of their target market, many instant approval cards are hard to recommend due to their numerous fees, high APRs or bare-bones (or nonexistent) rewards programs.

Still, a handful of cards marketed as offering instant approval may be useful if you want to get a quick approval decision and start building credit or earning rewards.

The bottom line

Instant approval is a nice perk and may ease the frustration of applying for cards and waiting for days only to have your application denied.

Nevertheless, a quick approval decision shouldn’t be your top priority when you’re looking for the best credit card for you . Instead of focusing on how long an approval decision takes, work on finding and applying for the cards that best fit your goals and credit profile.

*The information about the Credit One Bank® Platinum Visa® for Rebuilding Credit, Self Visa Credit Card, Amazon Prime Store Card,UNITY Visa Secured Credit Card and Costco Anywhere Visa Card by Citi has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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14 Best Travel Credit Cards of May 2024

ALSO CONSIDER: Best credit cards of 2024 || Best rewards credit cards || Best airline credit cards || Best hotel credit cards

The best travel credit card is one that brings your next trip a little closer every time you use it. Purchases earn points or miles you can use to pay for travel. If you're loyal to a specific airline or hotel chain, consider one of that company's branded travel credit cards. Otherwise, check out our picks for general-purpose travel cards that give you flexible travel rewards without the restrictions and blackout dates of branded cards.

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best Travel Credit Cards of May 2024

Chase Sapphire Preferred® Card : Best for Max flexibility + big bonus

Capital One Venture Rewards Credit Card : Best for Flat-rate rewards

Capital One Venture X Rewards Credit Card : Best for Travel portal benefits

Chase Freedom Unlimited® : Best for Cash back for travel bookings

American Express® Gold Card : Best for Big rewards on everyday spending

Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee

The Platinum Card® from American Express : Best for Luxury travel perks

Ink Business Preferred® Credit Card : Best for Business travelers

Bank of America® Travel Rewards credit card : Best for Flat-rate rewards + no annual fee

Chase Sapphire Reserve® : Best for Bonus rewards + high-end perks

World of Hyatt Credit Card : Best for Best hotel card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments

United℠ Explorer Card : Best for Best airline card

PenFed Pathfinder® Rewards Visa Signature® Card : Best for Credit union benefits

Best Travel Credit Cards

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Max flexibility + big bonus

Flat-rate rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers, flat-rate rewards + no annual fee, bonus rewards + high-end perks, best hotel card, travel rewards for rent payments, best airline card, credit union benefits, full list of editorial picks: best travel credit cards.

Before applying, confirm details on the issuer’s website.

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.

Bank of America® Travel Rewards credit card

Our pick for: Flat-rate rewards + no annual fee

One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus rewards + high-end perks

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Chase Sapphire Preferred® Card

Our pick for: Max flexibility + big bonus

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

U.S. Bank Altitude® Connect Visa Signature® Card

Our pick for: Road trips

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee:  $0 intro for the first year, then $95 .  Read our review .

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee ( see rates and fees ). Read our review.

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Big rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Bilt World Elite Mastercard® Credit Card

Our pick for: Travel rewards on rent payments

The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. Read our review.

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card . It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

United℠ Explorer Card

Our pick for: B est airline card

The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.

» Not a United frequent flyer? See our best airline cards for other options

World of Hyatt Credit Card

Our pick for: Best hotel card

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

» Not a Hyatt customer? See our best hotel cards for other options.

Ink Business Preferred® Credit Card

Our pick for: Business travelers

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

Are you in Canada?

See NerdWallet's best travel cards for Canada.

OTHER RESOURCES

How travel rewards work.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip. According to a NerdWallet study , 68% of American adults say they have a credit card that earns travel rewards.

With a travel rewards credit card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Some top travel credit cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while the Marriott Bonvoy Boundless® Credit Card grants bonus points when you use the card at Marriott hotels, grocery stores, restaurants or gas stations.

Not all points and miles earned on travel rewards credit cards are the same:

General-purpose travel credit cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. With their flexible rewards, general-purpose options are usually the best travel credit cards for those who don't stick to a single airline or hotel chain.

Airline- and hotel-specific cards — such as the United℠ Explorer Card and the Hilton Honors American Express Card — give points and miles that can be used only with the brand on the card. (Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.) These so-called co-branded cards are usually the best travel credit cards for those who always fly one particular airline or stay with one hotel group.

How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.5 cents per point, and you can spend them like cash. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:

Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions. See our valuations page for business class valuations and details about our methodology.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value out of your miles, that’s even better.

HOW TO CHOOSE A TRAVEL CREDIT CARD

There are scores of travel rewards cards to choose from. The best travel credit card for you has as much to do with you as with the card. How often you travel, how much flexibility you want, how much you value airline or hotel perks — these are all things to take into account when deciding on a travel card. Our article on how to choose a travel credit card recommends that you prioritize:

Rewards you will actually use (points and miles are only as good as your ability to redeem them for travel).

A high earning rate (how much value you get in rewards for every dollar spent on the card).

A sign-up bonus (a windfall of points for meeting a spending requirement in your first few months).

Even with these goals in mind, there are all kinds of considerations that will influence your decision on a travel rewards credit card.

Travel cards are for travelers

Travel cards vs. cash-back cards.

The very first question to ask yourself when choosing a travel credit card is: Should I get a travel card at all? Travel credit cards are best for frequent travelers, who are more likely to get enough value from rewards and perks to make up for the annual fees that the best travel credit cards charge. (Some travel cards charge no annual fee, but they tend to offer lesser rewards than full-fee cards.) A NerdWallet study found that those who travel only occasionally — say, once a year — will probably get greater overall rewards from cash-back credit cards , most of which charge no annual fee, than from a travel card.

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

Travel credit cards fall into two basic categories: co-branded cards and general travel cards.

Co-branded cards carry the name of an airline or hotel group, such as the United℠ Explorer Card or the Marriott Bonvoy Boundless® Credit Card . The rewards you earn are redeemable only with that particular brand, which can limit your flexibility, sometimes sharply. For example, if your credit card's co-branded airline partner doesn't have any award seats available on the flight you want on the day you want, you're out of luck. On the other hand, co-branded cards commonly offer airline- or hotel-specific perks that general travel cards can't match.

General travel cards aren't tied to a specific airline or hotel, so they offer much greater flexibility. Well-known general travel cards include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card . Rewards on general travel cards come as points (sometimes called "miles" but they're really points) that you can redeem for any travel expense. You're not locked into using a single airline or hotel, but you also won't enjoy the perks of a co-branded card.

Evaluating general travel credit cards

What you get with a general travel card.

The credit cards featured at the top of this page are general travel cards. They're issued by a bank (such as Chase or Capital One), carry only that bank's name, and aren't tied to any single airline or hotel group. With these cards, you earn points on every purchase — usually 1 to 2 points per dollar spent, sometimes with additional points in certain categories.

Issuers of general travel cards typically entice new applicants with big sign-up bonuses (also known as "welcome offers") — tens of thousands of miles that you can earn by spending a certain amount of money on the card in your first few months.

» MORE: NerdWallet's best credit card sign-up offers

What do you do with those points? Depending on the card, you may have several ways to redeem them:

Booking travel. With this option, your points pay for travel booked through the issuer's website, using a utility similar to Orbitz or Expedia. For example, if points were worth 1 cent apiece when redeemed this way, you could book a $400 flight on the issuer's portal and pay for it with 40,000 points

Statement credit. This lets you essentially erase travel purchases by using your points for credit on your statement. You make travel arrangements however you want (directly with an airline or hotel, through a travel agency, etc.) and charge it to your card. Once the charge shows up on your account, you apply the necessary points and eliminate the cost.

Transferring to partners. The card issuer may allow you to transfer your points to loyalty programs for airlines or hotel chains, turning your general card into something like a co-branded card (although you don't get the perks of a co-brand).

Cash back, gift cards or merchandise. If you don't plan to travel, you can burn off your rewards with these options, although you'll often get a lower value per point.

Airline and hotel cards sharply limit your choice, but they make up for it with perks that only they can offer, like free checked bags or room upgrades. General travel cards, on the other hand, offer maximum flexibility but can't provide the same kinds of perks, because the banks that issue them don't operate the airlines or hotels. Still, there are some noteworthy perks on general travel cards, including:

Travel credit. This is automatic reimbursement for travel-related spending. Some top travel credit cards offer hundreds of dollars a year in travel credit.

Trusted traveler reimbursement. More and more travel credit cards are covering the application fee for TSA Precheck and Global Entry, programs that allow you to move through airport security and customs more quickly.

Airport lounge access. Hundreds of lounges worldwide operate separately from airlines under such networks as Priority Pass and Airspace, and several general travel cards offer access to these lounges.

Points programs

Every major card issuer has at least one travel card with a points program. American Express calls its program Membership Rewards, while Chase has Ultimate Rewards® and Citi pays in ThankYou points. Wells Fargo has Wells Fargo Rewards, and U.S. Bank has FlexPerks. Bank of America® travel cards offer points without a fancy name. Travel cards from Capital One, Barclays and Discover all call their points "miles."

These programs differ in how much their points are worth and how you can use them. Some offer the full range of redemption options, including transfers to loyalty programs. Others let you use them only to book travel or get statement credit.

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

Airline credit cards earn "miles" with each purchase. You typically get 1 mile per dollar spent, with a higher rate (2 or more miles per dollar) on purchases with the airline itself. (Some airline cards have also begun offering extra miles for purchases in additional categories, such as restaurants or car rental agencies.) These miles go into the same frequent-flyer account as the ones you earn by flying the airline, and you can redeem them for free flights with the airline or its alliance partners.

Co-branded airline cards typically offer sign-up bonuses (or welcome offers). But what really sets them apart are the perks they give you. With some cards, for example, the checked-bag benefit alone can make up for the annual fee after a single roundtrip by a couple. Common perks of airline cards include:

Free checked bags. This commonly applies to the first checked bag for you and at least one companion on your reservation. Some cards extend this perk to more people, and higher-end cards (with higher annual fees) may even let you check two bags apiece for free.

Priority boarding. Holders of co-branded airline credit cards often get to board the plane early — after the airline's elite-status frequent flyers but before the general population. This gives you time to settle in and gives you a leg up on claiming that coveted overhead bin space.

In-flight discounts or freebies. You might get, say, 25% off the cost of food and beverages during the flight, or free Wi-Fi.

Airport lounge access. High-end cards often include a membership to the airline's airport lounges, where you can get away from the frenzy in the terminal and enjoy a complimentary snack. Some less-expensive airline cards give you only limited or discounted lounge access; others give you none at all.

Companion fares. This perk lets you bring someone with you for a lower cost when you buy a ticket at full price.

A boost toward elite status. Miles earned with a credit card, as opposed to those earned from actually flying on the airline, usually do not count toward earning elite status in an airline's frequent-flyer program. However, carrying an airline's high-end card might automatically qualify you for a higher tier within the program.

The biggest U.S. airlines — American, United and Delta — offer an array of credit cards. Each airline has a no-annual-fee card that earns miles on purchases but provides little in the way of perks (no free bags or priority boarding). Each has a high-end card with an annual fee in the neighborhood of $450 that offers lounge access and sumptuous perks. And each has a "middle-class" card with a fee of around $100 and solid ongoing perks. Southwest offers three credit cards with varying fees; smaller carriers may just have a single card.

» MORE: NerdWallet's best airline credit cards

Choosing an airline

Which airline card you get depends in large part on what airline you fly, and that's heavily influenced by where you live. Alaska Airlines, for example, has an outstanding credit card, but the airline's routes are concentrated primarily on the West Coast. So it's not a great option for those who live in, say, Buffalo, New York, or Montgomery, Alabama.

If your local airport is dominated by a single airline, then you're probably flying that carrier most (or all) of the time by default. Delta, for example, is the 800-pound gorilla at Minneapolis-St. Paul and Salt Lake City. United has the bulk of the traffic at Newark and Washington Dulles. American calls the shots at Charlotte and Dallas-Fort Worth. That airline's credit card may be your only realistic option. If you're in a large or midsize market with frequent service from multiple airlines, you have more choice.

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

Hotel credit cards earn points with each purchase. As with airline cards, you typically get more points per dollar for purchases from the co-brand partner, and some cards also give bonus points in additional categories. (Hotel cards tend to give you a greater number of points overall than airline cards, but each individual point is generally worth less than a typical airline mile.) Similar to the airline model, the points you earn with the card go into the same loyalty account as the points you earn from actually staying at a hotel. You redeem your points for free stays.

Hotel cards usually offer a sign-up bonus, but like airline cards, they really make their bones with the ongoing perks. Common perks on hotel cards include:

Free nights. Several cards offer this perk, which can make up for the card's annual fee. You may get a free night automatically every year, or you may unlock it by spending a certain amount within a year. In the latter case, it comes on top of the points you earn for your spending.

Upgrades and freebies. Cardholders may qualify for automatic room upgrades when available, or free or discounted amenities such as meals or spa packages.

Early check-in/late check-out. No one likes having to cool their heels in the hotel lobby waiting for 3 o'clock to check in. And no one likes have to vacate their room by 11 a.m. when their flight doesn't leave till evening.

Accelerated elite status. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder.

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

If you decide to go the hotel-card route, you'll need to decide which hotel group gets your business. Hotels aren't as market-concentrated as airlines, so if your travels take you mostly to metropolitan areas, you'll have a decent amount of choice. Keep in mind that even though there are dozens of nationally recognizable hotel brands, ranging from budget inns to luxury resorts, many of them are just units in a larger hotel company, and that company's card can unlock benefits across the group.

Marriott, for example, includes not only its namesake properties but nearly 30 other brands, including Courtyard, Fairfield, Renaissance, Residence Inn, Ritz-Carlton, Sheraton and Westin. The Hilton family includes DoubleTree, Embassy Suites, Hampton Inn and Waldorf-Astoria. InterContinental includes Holiday Inn, Candlewood, Staybridge and Crowne Plaza. Wyndham and Choice have more than 15 mid-tier and budget-oriented brands between them.

HOW TO COMPARE TRAVEL CREDIT CARDS

No travel rewards credit card is going to have everything you want. You're going to be disappointed if you expect to find a high rewards rate, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based on the following features and choose the best travel credit card for your needs and preferences.

Most of the best travel cards charge an annual fee. Fees in the range of $90 to $100 are standard for travel cards. Premium cards with extensive perks will have fees of $450 or more. Weigh the value of the rewards and perks you'll get to make sure they'll make up for the fee.

Can you find good cards without an annual fee? Absolutely! There are no-fee options on our list of the best travel credit cards, and we've rounded up more here . Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.

Rewards rate

Rewards can be thought of in terms of "earn rate" and "burn rate".

The earn rate is how many points or miles you receive per dollar spent. Some general travel cards offer flat-rate rewards, meaning you get the same rate on all purchases, all the time — 2 miles per dollar, for example, or 1.5 points per dollar. Others, including most co-branded cards, offer a base rate of maybe 1 point per dollar and then pay a higher rate in certain categories, such as airline tickets, hotel stays, general travel expenses or restaurant meals.

The burn rate is the value you get for those points or miles when you redeem them. The industry average is about 1 cent per point or mile. Some cards, particularly hotel cards, have lower value per point on the "burn" side but give you more points per dollar on the earning side.

When comparing rewards rates, don't just look at the numbers. Look at the categories to which those numbers apply, and find a card that matches your spending patterns. Getting 5 points per dollar seems great — but if those 5X points come only on purchases at, say, office supply stores, and you don't spend money on office supplies, then you're getting lousy value.

Sign-up bonus

Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to earn the bonus. While cash-back credit cards often require just $500 to $1,000 in spending over three months to unlock a bonus, travel cards commonly have thresholds of $3,000 to $5,000.

Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a $500 bonus doesn't make economic sense — the interest you'll pay could easily wipe out the value of the bonus.

Finally, keep in mind that the biggest bonuses will come on cards with annual fees.

Foreign transaction fees

A good travel card will not charge a foreign transaction fee. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never leave the U.S., then this isn't much of a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them.

Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.

International acceptance

Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)

Travel protections

Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.

"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $450 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks.

Assuming you take advantage of them, the perks often make up for the annual fee on a card quite easily. This is especially true with co-branded cards. Free checked bags can pay for an airline card several times over, and a free night is usually worth more than the fee on a hotel card. When comparing the perks of various cards, be realistic about which ones you will and won't use. Sure, that card may entitle you to a free spa package the next time you're at a five-star hotel, but how often do you stay at five-star hotels?

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

Pros: why it's worth getting a travel card.

The sign-up bonus gives you a big head-start on travel. Bonuses on the best travel credit cards typically run $500 or more — enough for a roundtrip ticket in many instances.

Perks make travel less expensive and more relaxing. You won't have to worry about cramming a week's worth of clothes into a carry-on if your travel credit card gives you a free checked bag (or automatically reimburses you for the bag fee). Hate the crush of travelers in the terminal? Escape to the airport lounge. Renting a car? Use a travel card that provides primary rental car insurance.

Rewards get you closer to your next trip with every purchase. Spending money on the mundane activities of daily life has a silver lining when you know that every $1,000 you spend will knock $10 or $20 off the cost of that future beach vacation or trip home to see Mom and Dad.

No foreign transaction fee can mean big savings. Take just any old credit card with you on vacation outside the U.S., and $1,000 worth of purchases can cost you $30 off the top due to the foreign transaction surcharge. Good travel cards don't charge this fee.

"Double dipping" gives you more points on travel purchases. Buy a plane ticket or book a hotel room, and you'll earn loyalty points or miles regardless of how you pay. Use the right credit card, though, and you'll earn even more points and miles on top of those.

Strategic redemption can multiply your value. With cash-back credit cards, 1 cent is worth 1 cent, and that's just how it goes. The points and miles on many travel credit cards have variable value based on how you redeem them — booking travel with them vs. transferring them to a partner, booking domestic vs. international flights and economy vs. business class, staying at budget hotels vs. high-end resorts, and so on.

Cons: Why a travel card might not be for you

The best cards charge annual fees. In many cases, the value you get from a credit card more than makes up for the annual fee. But some people are dead set against paying a fee under any circumstances. If that's you, your options in travel cards will be sharply limited, and you won't get the perks that provide a big portion of the value on many cards.

Sign-up bonus spending requirements can be steep. A bonus worth $500, $600 or $700 is attractive, but only if you can afford to earn it with spending you were going to do anyway. If you have to amass thousands of dollars in debt and then pay interest on it, it's not worth it.

Travel cards aren't ideal for infrequent travelers. In the first year with a travel card, you're probably going to come out ahead: You can earn a big sign-up bonus, and several popular cards waive the first year's annual fee, too. In subsequent years, though, you'll break even on that fee only if you use the card enough to make up for it (with the rewards you earn and redeem and the perks you use). Infrequent travelers are more likely to get more total rewards from a cash-back card with no annual fee.

Cash back is simpler and more flexible. Some travel cards allow you to redeem your rewards only for travel. Others give you poor value unless you redeem for travel. Still others have complicated redemption options, making it hard to get the most out of your rewards. With cash-back credit cards, you can use your rewards on anything, you know exactly how much your rewards are worth, and redemption is usually simple.

Rewards cards tend to charge higher interest rates. If you regularly carry a balance from month to month, a travel credit card — or any rewards credit card — probably isn't your best choice. The interest you pay is eating up the value of your rewards. You're better off with a low-interest card that reduces the cost of carrying debt.

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

Plan your credit card application around a big purchase to earn the sign-up bonus.

Seize every opportunity to pick up the tab, especially if your travel credit card pays bonus rewards on dining; your friends can pay you back while you collect rewards.

Redeem rewards for travel instead of gift cards, merchandise or (in most cases) cash back to get the best value.

Join the loyalty program associated with a co-branded card — a frequent-flyer or frequent-guest program.

Shop for essentials in your card’s online bonus mall or through its exclusive offers, if available, to get extra rewards.

OTHER CARDS TO CONSIDER

It’s worth considering whether a travel credit card is even right for you in the first place. A NerdWallet study found that cash-back credit cards often earn more money — even for many travelers.

If you carry a balance from month to month, the higher interest rates typically charged by rewards cards can cancel out any rewards earned. If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.

A good travel credit card shouldn't charge foreign transaction fees, but there are good non-travel cards that also don't charge them. See our best cards with no foreign transaction fee .

If you value transparency and flexibility in your rewards, you can't go wrong with a cash-back card — and you can still use the rewards for travel, if you want.

Finally, if you're still not sure what's right for you, take a look at our best rewards credit cards for options beyond travel and cash back.

NerdWallet's Sam Kemmis contributed to this article.

To view rates and fees of the American Express® Gold Card , see this page . To view rates and fees of The Platinum Card® from American Express , see this page .

Last updated on May 10 , 2024

Methodology

NerdWallet's Credit Cards team selects the best travel rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits and airport lounge access. Learn how NerdWallet rates credit cards.

Frequently asked questions

Travel credit cards earn points (sometimes called miles) each time you buy something. The standard earning rate is 1 to 2 points per dollar spent, and many cards give you extra points for certain purchases, particularly travel expenses. The value of a point depends on the card that earned it and how you redeem it, but a good rule of thumb is to assume each point is worth an average of about 1 cent.

Your points accumulate in a rewards account, where you can use them to pay for travel. Most cards let you book travel directly using a portal similar to those at online travel agencies or on airline and hotel websites, but instead of paying cash, you pay with your points. Depending on the card, you may also have the option of booking travel any way you want, paying for it with the card and then cashing in your points for a credit against those expenses.

Points and miles are just different names for the same thing: the currency used in a travel rewards program. Some travel credit cards call them points, some call them miles.

Airline frequent flyer programs have long used the term “miles” to refer to the rewards you earn for flying. That’s because at one time, you really did earn rewards according to how many miles you flew — the longer the flight, the more miles you earned. Nowadays, most domestic airlines give out “miles” based on how much you spend, not how far you fly, so they’re really just points. (There are a few exceptions, though, notably Alaska Airlines.)

Especially when it comes to redeeming your rewards, there’s no difference between points and miles. The number of points or miles you need is based mostly on the cost of what you’re redeeming them for. It takes more than 500 miles (value about: $5) to get a free 500-mile flight!

The value of a point or mile depends on the card you earned it with and how you redeem it. A common rule of thumb is to assume that each point or mile is worth an average of 1 cent, although you can certainly get a much higher (or lower) redemption value. See our travel loyalty roundup page for NerdWallet’s current valuations for airline miles and hotel points.

Travel credit cards fall into two main categories: co-branded and general-purpose.

• Co-branded travel cards carry the name of an airline or hotel chain. The rewards you earn on the card can typically be redeemed only with that brand (or maybe its partners). Co-branded cards limit your flexibility, but because they are issued in partnership with an airline or hotel, they can give you special perks, like free checked bags or room upgrades.

• General-purpose travel cards are issued by a credit card company and are not directly tied to any particular airline or hotel. They earn points in the issuer's own program, such as American Express Membership Rewards, Chase Ultimate Rewards® or Citi ThankYou. These points are a lot more flexible, as you can use them to pay for a range of travel expenses, including flights on any airline or stays at any hotel. However, they don’t offer the airline- or hotel-specific perks of co-branded cards.

Travel cards — like rewards cards in general — typically require good to excellent credit for approval. Good credit is generally defined as a credit score of 690 or better. However, credit scores alone do not guarantee approval. Every issuer has its own criteria for evaluating applications.

Business travel can earn credit card rewards just like leisure travel. Credit cards that earn rewards for travel purchases don't distinguish between one or the other — meaning, if a card pays 3X points on airfare, for example, it's going to pay it no matter why you're buying the ticket. There are also travel credit cards specifically designed for business operators, with benefits and perks better aligned with their needs.

Where things get complicated is when you're not arranging the travel yourself. With credit card points, the rewards go to the cardholder. So if you arrange travel through your employer and the cost goes on the "company card," then the company card gets the points. Put it on your own card and get reimbursed later, and you get the points. (And if you have a company card with your name on it? That may come down to company policy.)

When redeeming travel rewards, you want to get as much value as possible. If you can get more value by using your rewards than by using cash, then it's smart to do so. (And of course, the reverse also applies.) NerdWallet has calculated the baseline values of most major credit card points, airline miles and hotel points. When you get a value that exceeds these baselines, go ahead and use your rewards. If not, consider using cash.

For example, say you could book a trip by paying $400 cash for a ticket or by redeeming 50,000 points or miles. In that case, your points would be getting you a value of 0.8 cents apiece (50,000 x 0.8 cents = $400). If the baseline value of each point is 1 cent, then you're better off paying cash and saving the points for when you can redeem them for 1 cent or better.

That said, you don't want to be overthinking it and hoarding points indefinitely in search of the deal to end all deals. Like any other currency, travel rewards lose value over time. That flight that costs 50,000 points today might cost 55,000 next year. Do you have enough points to get you where you want to go, when you want to go, in the way you want to get there? If so, don't let fractions of a penny stop you from booking your trip. It's your money, and you get to decide how to spend it.

A number of travel credit cards come with "travel credits," which reimburse you for specific expenses. The Chase Sapphire Reserve® , for example, has a $300 annual travel credit; several cards offer credits toward things like airline fees or hotel bookings; and a bunch of cards have a credit for the application fee for TSA PreCheck or Global Entry .

The less restrictive a credit is, the easier it is to redeem. The easiest travel credit to redeem is one that:

Applies to a broad range of expenses. Some credits are very fickle. You may get $200 a year in "airline credit," but it applies only to incidental fees (not airfare) on a single airline that you have to choose ahead of time. A card may offer hundreds of dollars in credit toward travel, but you have to go through the issuer's booking portal, where rates may be more expensive and options more limited. Other credits, however, are broad and open-ended: $300 on any travel expense, $100 toward any airline booking, and so on.

Shows up automatically on your statement. Your issuer's system should be able to recognize qualifying expenses and then apply the credit to them without you having to do anything. If the only way to receive the credit is by calling a phone number or submitting receipts or other documentation, that makes it harder to redeem, which in turn makes it less likely that you'll redeem (and that may be the point).

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Sara Rathner

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Best Instant Approval Credit Cards 2023

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Data effective as of 12/15/22. Offers and availability may vary by location and are subject to change. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Some credit card issuers offer instant card approval, which means you can submit your credit card application and then get an answer within just one or two minutes.

Of course, instant approval isn’t the only thing you look for in a credit card―which is why we’ve found the instant approval cards with the best rewards, rates, fees, and features. 

Generally speaking, we think the American Express Blue Business Cash™ Card is the best instant-approval credit card for business. But we’ve got other great picks too, so let’s get to our rankings.

• American Express Blue Business Cash™ Card/Blue Business® Plus Credit Card : Best overall instant approval credit card
• Capital One Spark Cash Select for Business/Capital One Spark Miles Select for Business : Best flat-rate rewards
• Costco Anywhere Visa® Business Card : Best for Costco members
• Delta SkyMiles® Gold Business American Express Card : Best travel rewards

Compare the best instant approval credit cards for business

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Applying for an instant approval credit card

When a card issuer offers instant approval, it doesn’t necessarily mean that you specifically will get instantly approved. (Sorry to burst your bubble.) It just means that it’s possible to get approved instantly―or within 30 to 60 seconds, really.

So what makes you more likely to actually get that instant approval? Well, a lot of it comes down to your personal credit score . If you have a solid credit history and a high score to go with it, you’re more likely to get immediately approved than if you have a low credit score. 

But even good credit is no guarantee that you’ll get an instant answer to your credit card application. It may take a day or two for your card issuer to make a decision, even if you have a pretty solid card application. Sometimes, that’s just how it goes.

And speaking of waiting, you need to understand that an instant approval credit card is not the same thing as an instant use credit card. Even if you get the instant approval you want (woo!), you may still have to wait a few days to get your physical card in the mail. Some issuers (like American Express) will offer you an instant card number you can use in the meantime (like a virtual credit card), but not all do.

Put simply, you may need to keep your expectations in check when it comes to how instant an instant approval credit card actually is.

American Express Blue Business Cash™ Card/Blue Business® Plus Credit Card: Best overall instant approval credit card

Data effective as of 12/15/22. Offers and availability may vary by location and are subject to change.

Two American Express credit cards top our rankings of the best instant approval cards: the American Express Blue Business Cash™ Card and Blue Business® Plus Credit Card.

These two business cards are almost identical. They’ve got the same APR ( annual percentage rate ) range and (lack of) annual fee. Likewise, they have the same cash advance, balance transfer, and foreign transaction fees. The only real difference is that the American Express Blue Business Cash™ Card earns cash back rewards, while the Blue Business® Plus Credit Card earns points rewards.

But what makes these two instant approval cards so great?

For starters, they’re American Express cards―which means that if you get instantly approved, you’ll receive a credit card number that lets you start using your new credit line right away. So beyond instant approval, you get instant credit. 

Instant credit aside, they’re simply solid business credit cards. (They’re on our list of the best business credit cards .) They have competitive interest rates, earn decent rewards, and have low fees. Plus, both cards offer Expanded Buying Power―which lets you spend past your credit limit. You have to pay back the extra you spend each month, yes, but it gives you more flexibility than your average credit card.

That’s not to say these are the perfect business credit cards. Other cards earn higher reward rates, for example, and have better bonus offers for new cardmembers. But these are two well-rounded instant approval cards that have plenty of advantages. (Terms apply to all this, though.)

So for most businesses looking for an instant credit card, we recommend either the American Express Blue Business Cash™ Card or the Blue Business Plus® Credit Card.

Capital One Spark Cash Select for Business/Capital One Spark Miles Select for Business: Best flat-rate rewards

Want your new credit card to earn plenty of rewards without much effort on your part? Get a flat-rate reward card like Capital One Spark Cash Select for Business or Capital One Spark Miles Select for Business.

Capital One Spark Cash Select for Business and Capital One Spark Miles Select for Business both earn rewards at a consistent, unchanging rate of 1.5% cash back or 1.5x miles, respectively. So you never have to worry about spending the right amounts in the right categories. Instead, you’ll earn the same amount of rewards for each dollar you spend with your business credit card. 

Now, that does mean that these cards don’t work great for people who want to max out their reward potential. Variable rate cards can earn more than flat rate reward cards―but you have to pay attention to your spending. And if you can live with slightly lower reward potential, these Spark Select cards offer low rates and fees.

So if you want to simplify your spending and earning, the Capital One Spark Cash Select for Business and Capital One Spark Miles Select for Business cards are your best instant approval card options.

If you’re willing to pay an annual fee ($95) and have a higher interest rate, you can earn more rewards (2% cash back or 2x miles) with Spark Cash and Spark Miles from Capital One.

Costco Anywhere Visa® Business Card by Citi: Best for Costco shoppers

Do lots of business buying at Costco? You can get instantly approved for the Costco Anywhere Visa® Business Card by Citi.

As you can probably guess from the name, this store card was designed for Costco shoppers. You can use it anywhere, of course, but you earn more cash back by using your card at Costco warehouses and Costco.com. Most purchases earn you 1% cash back, but Costco purchases get you double rewards with a 2% rate. (Eligible restaurants, travel, and gas earn you even more, with rates between 3% and 4%.)

This card does require you to have an active Costco Membership (a $60 annual expense), so it does work best for businesses that already like and use Costco. If that describes you, though, you can get instantly approved for your new Costco credit card―and you can even get a barcode that lets you immediately use your new store card. 

Put simply, Costco lovers will get plenty of rewards―and immediate use―from the Costco Anywhere Visa® Business Card by Citi. 

Delta SkyMiles® Gold Business American Express Card: Best travel rewards

Does your business require much travel? Then you’ll like the travel rewards and perks you get from the Delta SkyMiles® Gold Business American Express Card.

This card earns you reward miles on all your spending, with up to 2 miles per dollar (on eligible U.S. Delta, advertising, shipping, and dining expenses). But you get more than just miles. This card also gets you travel perks like a free checked bag, priority boarding status, flight vouchers, in-flight savings, and more on Delta flights. In other words, it makes travel more affordable and more convenient.

Do note, however, that this card does have an annual fee―so you’ll want to be sure you earn enough rewards to offset that fee. If you don’t fly Delta much, that will be harder. But if Delta is your main airline, you’ll get to take full advantage of the Delta SkyMiles® Gold Business American Express Card. And since it’s offered by American Express, you’ll get an instant card number to start using your Delta card (though only on Delta purchases). (Take note that terms apply.)

With travel rewards and travel benefits, the Delta SkyMiles® Gold Business American Express Card offers a great instant approval option for frequent travelers.

The best personal instant approval credit cards

• Blue Cash Everyday® Card from American Express : Best instant approval personal credit card
• Blue Cash Preferred® Card from American Express : Highest cash back rewards
• Delta SkyMiles® Gold American Express Card : Best personal travel rewards

So far, we’ve reviewed cards that have been designed specifically for business use. But you can get personal credit cards that offer instant approval too.

These next cards work great for personal spending. And yes, you can technically use them for business use too―but we recommend sticking with a business card for business expenses. (That way, you can keep your finances simple, build business credit, get employee cards, and so on.)

Compare the best personal instant approval credit cards

Blue cash everyday® card: best instant approval personal credit card.

The Blue Cash Everyday® Card from American Express is our overall favorite instant approval credit card for personal use.

That’s because it offers a great deal all around. You don’t pay any annual fee, but you still earn up to 3% cash back on your eligible purchases. Plus, you get a 0% introductory APR for 15 months. And even after that promotional period ends, you end up with a pretty competitive interest range (18.24% to 29.24%variable APR). In other words, it’s a versatile card for everyday use―and since it’s from American Express, you can get a credit card number immediately after approval. (Terms apply.)

With that said, this card really is a jack of all trades rather than a master of one. Other cards have higher reward earning potential, get you more extra perks, and have lower fees (like cash advance fees). 

But for many people, a well-rounded card is exactly what they need―which is why the Blue Cash Everyday® Card is our top personal credit card for instant approval.

Blue Cash Preferred® Card: Highest cash back rewards

Want a more specialized card? The Blue Cash Preferred® Card from American Express has the most cash back potential you can find on a personal instant approval credit card.

Blue Cash Preferred® Card lets you earn up to 6% cash back on your purchases (on streaming subscriptions and your first $6,000 at supermarkets in the U.S., specifically). That’s an incredibly high rewards rate. Sure, some purchases get a lower rate (like 3% on transit and gas in the U.S.), but you always earn at least 1%. So depending on how you spend, the Blue Cash Preferred®Card could earn you plenty of cash rewards.

Of course, if you don’t spend on streaming and you have few transit and gas costs (maybe because you work from home), then the Blue Cash Preferred® Card may earn you less than you expect―and either way, you’ll be saddled with the $95 annual fee. So definitely take a look at your spending habits before you submit your card application. (And as with other cards, remember that terms apply.)

But for people who want to earn the most cash back possible, the Blue Cash Preferred® Card offers just that―and with instant approval and use to boot.

Delta SkyMiles® Gold American Express Card: Best personal travel rewards

Want travel rewards for your personal spending? The Delta SkyMiles® Gold American Express Card has the best travel benefits for personal credit card users.

Just like the business version we reviewed above, this card earns you up to 2x miles for each dollar you spend (in this case, that rate applies to eligible U.S. dining, supermarkets, and Delta expenses). And you get some (but not all) of the same perks, like a free checked bag and in-flight discounts (on Delta flights), plus a $100 Delta flight credit.

Also like the business version, the Delta SkyMiles® Gold American Express Card does charge an annual fee (of $99), so you’ll want to ensure that your spending and travel habits make this card worthwhile. (And don’t forget that terms apply.)

With any luck, they will―and you’ll get a solid instant approval card with excellent travel benefits for you.

The takeaway

The American Express Blue Business Cash™ Card and Blue Business® Plus Credit Card offer versatile cards for everyday spending―plus instant card access―making them our overall favorite instant approval credit cards.

For a flat-rate reward alternative, we suggest Capital One Spark Cash Select for Business or Capital One Spark Miles Select for Business. But depending on where you spend, you may prefer the Costco Anywhere Visa® Business Card by Citi (for Costco lovers) or the Delta SkyMiles® Gold Business American Express Card (for Delta travel fans). And if you need an option designed for lower credit scores, Spark 1% Classic offers instant approval for even fair credit.

Just remember that instant credit card approval is a possibility, not a guarantee. Your chances depend on your credit check and other factors. So even if you don’t get instantly approved, we hope you end up getting approved later―and that you enjoy your new credit card. 

Before you submit your credit card application, make sure you understand the process with our guide to applying for a business credit card .

Related content

• Best Fast and Easy Business Loans in 2023
• Best 0% Interest Business Credit Cards 2023
• Best Cash Back Business Credit Cards 2023
• What’s the Difference between a Business Credit Card and Personal Credit Card?

Methodology

To find the best credit cards for instant approval, we looked specifically at credit card companies that offer and advertise instant card approval (and, in some cases, instant card use). We then compared factors like APR, fees, rewards, and bonus perks to score, rank, and review the top instant approval cards.

Instant approval credit card FAQ

If you want instant credit card approval, you need to submit an application with a card issuer that offers instant approval―and then hope you have a strong enough card application to get an immediate answer.

Remember, instant approval is a possibility, not a guarantee. You can improve your chances of getting an immediate answer by having an excellent credit score (whether that’s a personal credit score or a business credit score ). But you really can’t know for sure that you’ll get instantly approved until you’re, well, instantly approved.

Some major card issuers, like Capital One and American Express, offer instant credit approval on most cards. Many store credit cards also offer instant credit card approval (and sometimes even immediate use).

What credit cards are best for building credit fast?

Pretty much any credit card should let you build your credit history and boost your credit score―so long as you use it properly (not maxing out your credit limit, for example, and paying off your card balance each month). 

That said, if you don’t have much credit history to begin with (or you have bad credit), you’ll probably want to start off with a secured business credit card . Secured cards require collateral (usually cash) to qualify for, but they’re easier to get―making them perfect for improving your credit report.

What credit card is the easiest to get approved for?

The easiest credit cards to get approved for are designed for users with no credit history or bad credit, such as the Spark 1% Classic from Capital One or the Wells Fargo Business Secured Credit Card.

You may be able to qualify for these cards with fair or even poor credit. But keep in mind, a card that’s easier to get will usually have a higher interest rate and a low credit limit.

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

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14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

• Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
• The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
• Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

• 46 travel credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

• Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
• Bilt Mastercard® – Best no-annual-fee travel card for paying rent
• Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
• Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
• Discover it® Miles – Best no-annual-fee travel card for simple rewards
• Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

• Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
• Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

• American Express® Gold Card – Best travel card for dining
• Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
• Chase Sapphire Reserve® – Best premium travel credit card
• The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

• The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

• United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

• No annual fee
• No foreign transaction fees
• Earns 1.5x points on all purchases
• No bonus category for travel
• Few benefits compared to other cards
• Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

• No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
• Use it to pay your rent and earn rewards without incurring any processing fees
• You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
• Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
• No welcome bonus or introductory APR period
• Points redeemed for statement credits are worth 0.55 cents each
• You must make at least five transactions in a statement period to earn points
• Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

• Can transfer your miles to 16 travel partners
• Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
• Doesn't earn bonus points on airfare
• No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

• Includes trip cancellation/interruption and car rental insurance
• Features a high flat cash back rate combined and popular bonus categories
• 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

• No annual or foreign transaction fees
• Discover matches the total miles you earned at the end of the first year
• Earns 1.5x miles on all purchases
• See your FICO score on the Discover mobile app, online and on statements
• Few benefits compared to other travel cards
• Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

• Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
• Includes cell phone protection plan
• No airline or hotel transfer partners
• Doesn't include travel insurance
• Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

• Earn 2x miles per dollar on most purchases
• Up to $100 credit for Global Entry or TSA PreCheck(R)
• Includes travel accident and car rental insurance
• Fewer bonus categories than other cards with a similar annual fee ($95)
• Doesn't offer travel rewards for flights
• Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

• Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
• Receive a point bonus each account anniversary
• Includes primary rental car insurance
• Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
• $95 annual fee
• Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

• Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
• Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
• Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
• Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
• High annual fee ($250)
• Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

• Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
• Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
• $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
• Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

• 10,000 bonus miles every year
• Statement credit of up to $300 for bookings made through Capital One Travel
• Up to a $100 credit on Global Entry or TSA PreCheck(R)
• Skip the line and get car upgrades when renting a car with Hertz
• High annual fee ($395)
• Fewer bonus categories than other premium cards
• No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

• 10,000 bonus miles every year (starting on your first anniversary)
• $300 annual credit for bookings through Capital One Travel
• Up to a $100 credit for Global Entry or TSA PreCheck®
• Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
• Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

• Up to $300 in statement credits each anniversary year to cover travel purchases
• Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
• Points worth 50% more when redeemed for travel expenses through Chase TravelSM
• Comprehensive travel insurance coverage, including emergency dental insurance
• High annual fee ($550)
• Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

• $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
• Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
• Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

• Access to the widest network of airport lounges of any card
• Complimentary elite status in the Marriott and Hilton hotel loyalty programs
• Hundreds of dollars in annual statement credits for travel, dining and more
• High annual fee ($695)
• Doesn't include baggage delay, travel accident and primary rental car insurance
• Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

• Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
• Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
• $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
• Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
• Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• Around $1,000 in yearly statement credits for select business purchases
• Access to a wide network of airport lounges (terms apply)
• Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
• Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

• Free first checked bag for you and a companion
• Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
• 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
• Complimentary priority boarding for you and companions traveling on the same reservation
• $95 annual fee (after the first year)
• No intro APR period
• Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

• Two one-time passes for United Club℠ airport lounges each account anniversary year
• 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
• Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
• Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

• Some cards offer up to 10x points per dollar on travel purchases.
• Many have additional bonus categories for dining, grocery shopping and more.
• They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
• Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
• Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
• They might not offer high rewards on spending outside of the travel category.
• Some of the best ones can have steep annual fees and require good to excellent credit
• Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

• Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
• Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
• Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
• General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
• Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
• Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
• Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
• Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

• Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
• Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
• If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
• Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
• If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

• Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

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

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: 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.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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How credit cards can help you cope with travel troubles

“Revenge travel” has been a big theme the past couple of years as Americans have been raring to go here, there and everywhere after hunkering down during the COVID-19 pandemic.

As a result, the Transportation Security Administration screened a record-high 858.5 million passengers in 2023.

But it hasn’t been a smooth ride for travelers. In fact, if you flew in 2022 or 2023, there was a one-in-five chance your flight was delayed, according to the Bureau of Transportation Statistics.

Cancellations were an especially big problem in 2022, when the airline industry had a tough time ramping back up after the pandemic.

That year, 2.7% of flights were scrapped entirely, often due to staffing and/or equipment shortages.

Last year, however, the cancellation rate was a mere 1.3%. Higher prices – not cancellations or delays – were travelers’ biggest concern last summer and last holiday season, according to Bankrate research.

Still, there can be hidden costs associated with delays, cancellations and other travel snafus.

For instance, my family flew from New Jersey to California last month, and both of our flights were delayed about two hours.

With two young kids in tow, our nerves were strained more than our wallets, though we still ended up spending a bit extra on food (which isn’t cheap when even a basic airport sandwich seems to cost at least $15).

I’ve had a few other travel experiences in recent years which made me wish I had paid with a credit card with strong travel insurance benefits.

These perks wouldn’t have kicked in for my two-hour delay, but they definitely could have helped me out the time my flight from Chicago to New York was diverted to Virginia in the middle of the night and the airline basically just left us there.

Or the two times in 2022 when airlines canceled our flights the night before they were scheduled to leave (seemingly due to operational issues) and couldn’t rebook us for several days – or when I came down with COVID and had to cancel a trip last fall.

Travel insurance benefits

Not all travel insurance benefits cover the same situations, but here are a few of the most common credit card travel insurance policy perks:

• Trip delay reimbursement

• Trip cancellation or interruption insurance

• Baggage delay protection

• Lost or damaged baggage protection

• Medical evaluation

• Travel accident insurance

• Auto rental collision insurance

The Chase Sapphire PreferredⓇ Card is a great example.

For a fairly modest $95 annual fee, it offers a lot of travel insurance (among other perks).

In my estimation, its trip cancellation/interruption benefit (up to $10,000 per person and $20,000 per trip) should have applied to both of my 2022 flight cancellations.

I ended up getting those refunded by the airlines and booked new flights on different carriers (since the original carriers couldn’t accommodate us until nearly a week later), but that cost extra.

If I had paid for my original airline tickets with this card, I believe that Chase would have reimbursed me for the difference between my canceled flights and my new bookings (although I would have had to request that refund through a claims administrator).

But there’s a chance my request would not have been approved, perhaps if the company argued I should have taken the airline up on its offer to fly a few days later, rather than rebooking myself more immediately at a higher cost on a different airline.

These programs aren’t always easy to navigate; a coworker needed to be very persistent and had to submit several rounds of documentation to win a reimbursement claim involving the Chase Sapphire Reserve and a trip disrupted by a hurricane.

I wish it were easier to use, but this coverage can still be very valuable.

For a heftier annual fee ($550), the Sapphire Reserve offers better trip delay insurance, triggering after six hours or an overnight delay, while the Sapphire Preferred triggers after 12 hours or an overnight delay.

Both the Sapphire Preferred and the Sapphire Reserve offer the same primary rental car insurance, trip delay insurance (up to $500 per ticket), delayed baggage insurance, emergency medical coverage and more.

Both cards would have been useful the time I got stranded in Virginia (I ended up renting a car and driving about five hours to get home; my company paid for that since it was a business trip, but if it had been a personal trip, I likely could have gotten a reimbursement from a travel card with good trip cancellation/interruption protections).

The Platinum Card from American Express and the Capital One Venture X Rewards Credit Card also made our list of the best credit cards for travel insurance.

It’s also worth asking what the airline, hotel or rental car agency can do for you if you need to cancel.

I lost out on a prepaid rental reservation in 2020 when I was afraid to travel in the early days of the pandemic.

But in 2023, when I had COVID and needed to cancel a hotel stay, the hotel generously refunded my supposedly non-refundable reservation. Perhaps it made a difference that I was actually sick that time instead of worried about potentially getting sick, but it never hurts to ask.

The bottom line

Many airlines and hotel chains have relaxed their change and cancellation policies in recent years.

So if you do encounter an unexpected issue, it’s a good rule of thumb to start with the travel supplier, and then pull in your credit card company as a backup.

For this reason, I think it only makes sense to pay for travel insurance if you have a particularly complicated or expensive itinerary (especially an international trip).

Often, that coverage is comparable to what you may already qualify for between your credit cards and the travel suppliers’ policies.

Paying with a credit card that has strong travel insurance benefits can provide additional assistance without adding to the cost.

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