16 best travel credit cards of September 2024
The best travel credit cards offer premium perks and benefits. Our team at The Points Guy curated a selection of the best travel credit cards for anyone from the occasional traveler to frequent flyer. We’ve chosen the top cards to earn rewards and save money.
Discover which travel credit card from our partners makes the best addition to your wallet.
- Capital One Venture Rewards Credit Card: Best for earning miles
- Capital One Venture X Rewards Credit Card: Best for premium travel
- Chase Sapphire Preferred? Card: Best for beginner travelers
- Ink Business Preferred? Credit Card: Best for maximizing business purchases
- American Express? Gold Card: Best for dining at restaurants
- Delta SkyMiles? Gold American Express Card: Best for occasional Delta flyers
- American Express? Business Gold Card: Best for flexible rewards earning
- The Platinum Card? from American Express: Best for lounge access
- Capital One VentureOne Rewards Credit Card: Best for no annual fee
- Chase Sapphire Reserve?: Best for travel credits
- Wells Fargo Autograph Journey? Card: Best for unlimited point earning
- Delta SkyMiles? Reserve American Express Card: Best for Sky Club access
- Wells Fargo Autograph? Card: Best for variety of bonus categories
- Bank of America? Travel Rewards credit card: Best for travel rewards beginners
- Alaska Airlines Visa Signature? credit card: Best for Alaska Airlines miles
- American Express? Green Card: Best for Travelers who value Membership Rewards points
Browse by card categories
5 Miles | 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel |
2 Miles | 2 Miles per dollar on every purchase, every day |
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
Pros
- This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, plus a $250 Capital One Travel credit valued by TPG (not provided by the issuer) at $1,638 when adding together the value of the bonus miles and the Capital One Travel credit
- You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
- Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
Cons
- Highest bonus-earning categories only on travel booked via Capital One Travel
- Capital One airline partners do not include any large U.S. airlines.
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck?
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
2 Miles | 2 Miles per dollar on every purchase, every day |
If you can maximize the $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Pros
- 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
- 10,000 bonus miles every account anniversary
Cons
- $395 annual fee
- $300 credit annually, only applicable for bookings made through Capital One Travel portal
- 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 and vacation rentals 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
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $100 credit for Global Entry or TSA PreCheck?
5x | 5x on travel purchased through Chase Travel?. |
3x | 3x on dining, select streaming services and online groceries. |
2x | 2x on all other travel purchases. |
1x | 1x on all other purchases. |
The Chase Sapphire Preferred? Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- Annual $50 Chase Travel Hotel Credit
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
Cons
- The card comes with a $95 annual fee.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Pros
- Access to the Chase Ultimate Rewards portal for points redemption.
- Reasonable $95 annual fee.
- Bonus categories that are most relevant to business owners; primary car insurance.
- Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
Cons
- Yearly cap on bonus categories.
- No travel perks.
- Subject to Chase's 5/24 rule on card applications.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
4X | Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
4X | Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
3X | Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
2X | Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
1X | Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. Card must be added to Uber app to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold.
Pros
- 4 points per dollar on dining at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
- 3 points per dollar on flights booked directly with the airline or with amextravel.com.
- Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership.
Cons
- Weak on travel and everyday spending bonus categories.
- Not as effective for those living outside the U.S.
- Some may have trouble using Uber/food credits.
- Few travel perks and protections.
- Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
- $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.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
2X | Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. |
1X | Earn 1X Mile on all other eligible purchases. |
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros
- First checked bag free for you and up to eight companions.
- Priority boarding.
- 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi).
Cons
- Doesn't make sense if you don't fly Delta.
- There are better Delta cards if you want lounge access or a boost to earn elite status.
- Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles? Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles? Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split?, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
- See Rates & Fees
4X | Earn 4X Membership Rewards? points on the top two eligible categories where your business spends the most each month 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.* |
3X | Earn 3X Membership Rewards? points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
1X | 1X is earned for other purchases. ** |
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros
- You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar).
Cons
- Hefty $375 annual fee.
- There may be better options for small businesses who don't spend a lot.
- Welcome Offer: Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
- Earn 4X Membership Rewards? points on the top two eligible categories where your business spends the most each month 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.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
5X | Earn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
5X | Earn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel. |
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.
Pros
- The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
- This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
- The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
Cons
- The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
- Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
- The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
- 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 through American Express Travel using 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.
- $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Platinum Card?. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card?. That's up to $50 in statement credits semi-annually. Enrollment required.
- 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.
- See Rates & Fees
5 Miles | 5 Miles per dollar on hotels and rental cars booked through Capital One Travel |
1.25 Miles | 1.25 Miles per dollar on every purchase, every day |
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the Capital One VentureOne Rewards Credit Card.
Pros
- No annual fee.
- Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
- Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
- Earn 1.25 miles per dollar on all purchases.
- No foreign transaction fees.
Cons
- Other credit cards can offer you higher rewards for your common purchase categories.
- Capital One airline transfer partners do not include any large U.S. airlines.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
10x | Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel?. |
5x | Earn 5x total points on flights through Chase Travel?. |
3x | Earn 3x points on other travel and dining. |
1x | Earn 1 point per $1 spent on all other purchases. |
The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve card.
Pros
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access to Chase Travel hotel and airline travel partners.
- 10 points per dollar on hotels and car rentals through Chase Travel, 10 points per dollar on Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
- 50% more value when you redeem your points for travel directly through Chase Travel
Cons
- Steep initial $550 annual fee.
- May not make sense for people that don't travel frequently.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 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, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck?
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
5X | Earn unlimited 5X points on hotels |
4X | Earn unlimited 4X points on airlines |
3X | Earn unlimited 3X points on other travel and restaurants |
1X | Earn 1X points on other purchases |
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros
- No foreign transaction fees
- Uncapped earning potential
- $50 annual statement credit
- Solid point earning rates in popular categories
Cons
- This card features an annual fee
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature? Concierge.
3X | Earn 3X Miles on Delta purchases. |
1X | Earn 1X Miles on all other eligible purchases. |
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Pros
- Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
- Delta SkyClub access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club. See terms for more details.
Cons
- High annual fee of $650
- Lower fee Delta cobranded cards offer superior earning categories
- Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club? One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- Enjoy complimentary access to The Centurion? Lounge when you book a Delta flight with your Reserve Card.
- Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Earn $1 Medallion? Qualification Dollar for each $10 of purchases made on your Delta SkyMiles? Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- Receive a Companion Certificate on First Class, Delta Comfort+?, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- $240 Resy Credit: When you use your Delta SkyMiles? Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles? Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles? Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
- Delta SkyMiles? Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees.
- $650 Annual Fee.
- Terms Apply.
- See Rates & Fees
3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
1X | Earn 1X points on other purchases |
The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our full review of the Wells Fargo Autograph here.
Pros
- This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
Cons
- Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature? Concierge.
1.5X | Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. |
The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our full review of the Bank of America Travel Rewards card.
Pros
- 1.5 points per dollar on all purchases
- No annual fee
- No foreign transaction fees
Cons
- Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
- No travel and purchase protections.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 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.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards? member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
3 miles | Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. |
2 miles | Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. |
1 mile | Earn unlimited 1 mile per $1 spent on all other purchases. |
There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our full review of the Alaska Airline credit card.
Pros
- Free checked bag for you and up to six guests on your reservation.
- Alaska discounts, including 20% back on in-flight purchases.
- No foreign transaction fees.
Cons
- $95 annual fee.
- Limited Time Online Offer—Buy One, Get One + 50,000 Bonus Miles!
- Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
American Express? Green Card**The information about the American Express? Green Card has been collected independently by www.5ilth.com. The card details have not been reviewed or approved by the card issuer.
3X | Earn 3X Membership Rewards? points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. |
3X | Earn 3X Membership Rewards? Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. |
3X | Earn 3X Membership Rewards? points on eligible purchases at restaurants worldwide, including takeout and delivery in the US. |
1X | Earn 1X Membership Rewards? points on all other purchases. |
Pros
- Decent earning rates across popular spend categories
- Annual Clear Plus credit
- Annual LoungeBuddy credit
- No foreign transaction fees
Cons
- $150 annual fee
- May not offer much value if you’re not a frequent traveler
The American Express? Green Card is packed with value for the frequent jet setter who will maximize the travel credits and related perks that come with it. In addition to earning valuable Amex Membership Rewards points on purchases such as transit, flights, hotels and vacation rentals, this card offers a nice starter stash of points in the form of an attainable welcome bonus.
Comparing the best travel cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | earning miles | Earn 75,000 + $250 in Travel Credit Open Intro bonus Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel | 2 - 5X miles | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | premium travel | Earn 75,000 miles Open Intro bonus Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel | 2 - 10X miles | $395 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | beginner travelers | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel?. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | maximizing business purchases | Earn 90,000 bonus points Open Intro bonus Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | dining at restaurants | 60,000 points + earn up to $100 back Open Intro bonus Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. | 1 - 4X points | $325 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | occasional Delta flyers | Earn 40,000 Miles Open Intro bonus Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 2X points | $0 introductory annual fee for the first year, then $150. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | flexible rewards earning | Earn 100,000 points Open Intro bonus Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | 1 - 4X points | $375 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | lounge access | Earn 80,000 points Open Intro bonus 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. | 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | no annual fee | 20,000 miles Open Intro bonus Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel | 1.25 - 5X miles | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | travel credits | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel?. | 1 - 10X points | $550 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | unlimited point earning | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | Sky Club access | Earn 60,000 miles Open Intro bonus Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 3X points | $650 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | variety of bonus categories | 20,000 bonus points Open Intro bonus Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | 1 - 3X points | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | travel rewards beginners | 25,000 points Open Intro bonus 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. | 1.5X points | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | Alaska Airlines miles | Buy One, Get One + 50,000 Bonus Miles! Open Intro bonus 50,000 bonus miles plus buy one ticket, get one for just the taxes and fees ($0 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. | 1 - 3X points | $95 |
American Express? Green Card * *The information about the American Express? Green Card has been collected independently by www.5ilth.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 08/15/2024 | Travelers who value Membership Rewards points | Earn 40,000 points Open Intro bonus Earn 40,000 Membership Rewards? Points
after you spend $3,000 in eligible purchases on your American Express Green Card? within the first 6 months of Card Membership. | 1 - 3X points | $150 |
More details on the best travel credit cards
With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.
Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners, including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.
“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor, senior content operations editor
Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card (see rates and fees). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.
At $395 per year (see rates and fees), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide and able to bring up to two guests for no additional charge.
For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.
“With an annual fee that is $300 less than The Platinum Card? from American Express (see Amex Platinum rates and fees), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen, former points and miles reporter
Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card, which has a $95 annual fee (see rates and fees) and similar earning and redemption options.
You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.
We’ve long suggested the Chase Sapphire Preferred Card as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points with strong bonus categories and a reasonable annual fee.
“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor, senior content operations editor
To add more luxury to your travel experience, consider the Chase Sapphire Reserve?. Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.
The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations peg the value of Chase Ultimate Rewards points at 2.05 cents apiece, so you’ll get a fantastic return of 6.2% on purchases in these categories.
If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card.
“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter, senior writer
If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited? Credit Card, which offers 1.5% cash back on all purchases and carries no annual fee.
The Amex Gold earns 4 points per dollar on dining at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar), with no foreign transaction fees (see rates and fees), meaning you’ll get an 8% return on purchases (based on TPG’s valuations). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards.
Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.
“I'm a huge foodie, especially when I travel, so I make sure to grab the dinner bill for all my friends in order to earn 4 points per dollar at restaurants every time (on the first $50,000 in purchases per calendar year; then 1 point per dollar).” — Stanley Sanford, compliance manager
For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred? Card.
The card offers elitelike perks that can provide solid value for casual Delta flyers — all at a low $150 annual fee (that’s $0 the first year; see rates and fees) compared to other Delta cobranded cards.
The card is best suited to casual Delta flyers who may not fly often enough to earn elite status but would enjoy elitelike perks such as priority boarding and a free checked bag.
“As someone who likes flying Delta but doesn’t fly with them often enough to earn elite status, my Delta SkyMiles Gold Amex still gives me elitelike perks to help upgrade my travel experience.” — Madison Blancaflor, senior editor
If you are a regular Delta flyer interested in earning elite status, the Delta SkyMiles? Platinum American Express Card is a strong alternative. You’ll get the same elitelike benefits as with the Gold, but you’ll also get the ability to fast-track your way to Medallion status.
The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly billing cycle bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories each billing cycle on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.
The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.
The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.
If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business? Plus Credit Card from American Express (see rates and fees), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).
The Amex Platinum is a stellar premium travel card that can provide amazing redemptions. Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.
Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access, automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred, Hertz Gold Plus Rewards and National Car Rental Emerald Club. Enrollment is required for select benefits.
“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt, senior credit cards editor
The Capital One Venture X Rewards Credit Card can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.
The no-annual-fee Capital One VentureOne Rewards Credit Card (see rates and fees) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.
The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees).
“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith, former credit cards writer
For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card. You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.
The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.
Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal is also a nice perk.
“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen, director of content
If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred? Card instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.
The Autograph Journey offers cardholders the chance to earn elevated rates across travel categories including 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and 'other travel' which includes timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds. On top of this, cardholders also get the added benefit of earning a flat rate of 1 point per dollar on other purchases for a $95 annual fee.
If you travel frequently and are looking for a card to help you rack up points you can redeem for future travel, this card is a decent option. Additionally, those looking for a way to fill gaps in their points earning strategy will benefit from the flat 1 point per dollar spent on other purchases outside of the main travel categories.
Another great perk the Autograph Journey features is an annual $50 statement credit triggered by an airline purchase of at least $50. This is on top of elevated earning rates in the certain travel categories and a solid welcome offer for new applicants. There's also no foreign transaction fees on the Autograph Journey card making it a good first travel card as well as a decent supplemental card to add to your travel credit card roster.
If you're looking for a more general use credit card with no annual fee, consider the Wells Fargo Active Cash? Card (see rates and fees). It earns a flat rate of 2% cash rewards on purchases making an excellent choice to help fill gaps in your reward earning strategy. The best part? Like the Autograph Journey card, the Active Cash Card doesn't put a cap on the amount of cash back you can earn.
The card offers some great perks for loyal Delta flyers, including free checked bags, space-available upgrades, a Global Entry/TSA PreCheck fee credit, lounge access, an annual companion certificate and more.
Because of the high annual fee, this card is best for those who fly Delta regularly and can maximize all of the card’s benefits.
“As a Delta Diamond Medallion, I spend a lot of time on Delta jets. The Delta Reserve card helps me maintain my status by offering shortcuts to earning (and retaining) status. Plus, the card’s annual companion ticket is valid on first-class itineraries and has helped me offset the card’s annual fee multiple years in a row.” — Andrew Kunesh, former senior editor, points and miles
The Platinum Card? from American Express offers a host of benefits for travelers who want to keep their redemption options open beyond Delta and its partners. While it won’t help you earn Delta elite status, Amex Platinum cardholders do have access to Delta Sky Club lounges (when flying Delta that same day) and can transfer points to Delta for award redemptions.
The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.
Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.
If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.
If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Bilt Mastercard? (see rates and fees). The card earns 3 points per dollar on dining and 2 points per dollar on travel purchases for no annual fee. Plus, Bilt points can be transferred to any of its multiple travel partners.
The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card. You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.
It’s perfect for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.
“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith, former credit cards writer
If you’re interested in a card with transferable miles that still has no annual fee (see rates and fees), consider the Capital One VentureOne Rewards Credit Card.
The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.
Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.
“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith, former credit cards writer
If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred? Card might be a better option.
The Amex Green Card is straightforward and easy to use. It earns 3 Membership Rewards points per dollar spent at restaurants worldwide — which is great, especially because this card doesn’t charge foreign transaction fees — and 3 points per dollar spent on various modes of transit, including trains, ferries and buses, plus tolls you may encounter during your travels. On top of these earning healthy earning rates, the Amex Green Card also earns 1 Membership Reward point per dollar spent on other eligible purchases.
*The information for the Amex Green 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.
This card is designed for travelers who want airport lounge access without having to pay a sky-high annual fee on a more premium card. It’s also a great fit for people who often spend in the high-earning bonus categories (restaurants, transit and travel).
If you like airport lounge access but don’t want to pay a super premium fee for a card with access to exclusive lounges. the annual LoungeBuddy credit that comes with this card will serve you well.
If you’re looking for a travel card with several perks and a sub-$100 annual fee, consider the Chase Sapphire Preferred? Card. This card earns valuable and transferable Ultimate Rewards points you can use to book flights and hotel stays with several transfer partners. The Sapphire Preferred also features healthy earning rates across popular categories, including dining, select streaming services and travel booked via Chase Travel? to name a few.