Best Travel Credit Card 2024 #

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Discover the ultimate best travel credit card with our expertly curated guide, tailored for every kind of traveler. Whether you’re planning your annual vacation or jet-setting around the globe, our selection introduces you to the best travel credit card benefits, transforming every trip into a treasure trove of rewards. Dive into our recommendations and find cards that offer not just miles, but a comprehensive suite of perks.

Our promise ...

At Credit Card Guides, our aim is to enhance your financial journey, helping you uncover the best credit card deals that suit your lifestyle and financial goals. Our team of seasoned experts in travel and finance shares real-life insights and unbiased reviews, guiding you toward making choices that offer the most value to you. It’s important to note that we receive compensation for credit card applications through our links, advertisements, and clearly marked sponsored content. However, our editorial integrity remains untouched; our analyses, card ratings, and content are solely influenced by our commitment to helping you make informed financial decisions.

BEST TRAVEL CREDIT CARD FOR BEGINNERS

Chase Sapphire Preferred® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 5x points on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services, and online groceries, 2x on other travel purchases, and 1x on all other purchases.
Welcome bonus
Receive 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening. This is equivalent to $750 when redeemed through Chase Ultimate Rewards®.
Intro APR:
N/A
Regular APR:
21.49%-28.49% (Variable)
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

High rewards across multiple spending categories
Ability to transfer points to travel partners at a 1:1 rate
Comprehensive travel and shopping protections

Cons ✘

Presence of an annual fee
No introductory APR promotion
Optimal travel earning rates exclusively through Chase bookings

Expert's Summary ...

The Chase Sapphire Preferred® Card stands out for its exceptional rewards program and flexibility in redemption, making it an attractive option for those willing to pay a modest annual fee for premium benefits.

Why we like it

This card offers a blend of attractive rewards rates and flexibility in redemption that’s hard to beat, especially with the annual hotel credit partially offsetting the annual fee.

What we don’t like

The primary drawback is the lack of an introductory APR offer and the fact that the highest travel earning rates are reserved for bookings made through Chase.

Who it’s best for

Ideal for those new to travel rewards cards or those seeking a card that offers high rewards rates across multiple spending categories without a prohibitive annual fee.

Apply Now

On Chase Bank USA, NA's Website

BEST PREMIUM TRAVEL REWARDS CARD

Capital One Venture X Rewards Credit Card

Rating: ★★★★★ (4.9/5)

Rewards
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights, and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel. Earn 5 miles on Capital One Entertainment purchases through 12/31/25.
Welcome bonus
Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening.
Intro APR:
N/A
Regular APR:
19.99% - 29.99% (Variable)
Annual fee:
$395
Credit Required:
Excellent (750 - 850)

Pros & Cons ...

Pros ✓

Annual fee lower than others in its category
Annual travel credit and anniversary miles justify the annual fee
Miles are easy to earn and use

Cons ✘

Lack of domestic airline and upscale hotel travel partners
Developing Capital One lounge network
Limited hotel status benefits

Expert's Summary ...

The Capital One Venture X Rewards Credit Card offers a comprehensive package of travel transfer partners, premium benefits, and an annual booking credit, all at a cost that’s more accessible than its competitors.

Why we like it

The card’s annual fee is effectively offset by the $300 credit for Capital One Travel bookings and 10,000 bonus miles awarded on your first anniversary.

What we don’t like

Redemption rates for non-travel rewards are less favorable, offering less than 1 cent per point.

Who it’s best for

Ideal for travelers seeking top-tier benefits with a flat-rate rewards structure, especially those who spend at least $400 annually on travel.

Apply Now

On Capital One's Website

BEST TRAVEL CREDIT CARD FOR INTERNATIONAL TRAVEL

Chase Sapphire Reserve®

Rating: ★★★★★ (4.9/5)

Rewards
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase.
Welcome bonus
Receive 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
Intro APR:
N/A
Regular APR:
22.49%-29.49% Variable
Annual fee:
$550
Credit Required:
Excellent (750 - 850)

Pros & Cons ...

Pros ✓

$300 annual travel credit highly flexible
Generous welcome bonus
Points are worth 50% more when redeemed for travel through Chase
Points can be transferred to various airline and hotel partners

Cons ✘

High annual fee
High variable APR on purchases

Expert's Summary ...

The Chase Sapphire Reserve® card combines top-tier travel protections, airport lounge access, and robust rewards into one package.

Why we like it

Its benefits are customer-friendly, offering a no-hassle approach without the need for deciphering fine print or undergoing complicated procedures.

What we don’t like

The card’s significant annual fee is a considerable factor to weigh against its benefits.

Who it’s best for

Best suited for travelers desiring flexible points, comprehensive travel protections, and who can leverage the card’s benefits to justify the high annual fee.

Apply Now

On Chase Bank USA, NA's Website

BEST TRAVEL CREDIT CARD FOR LOUNGE ACCESS

The Platinum Card® from American Express

Rating: ★★★★★ (4.8/5)

Rewards
Earn 5X Membership Rewards Points on flights booked directly with airlines or with American Express Travel, and on prepaid hotels booked on amextravel.com.
Welcome bonus
Earn 80,000 Membership Rewards® Points after you use your new Card to make $6,000 in purchases in your first 6 months.
Intro APR:
N/A
Regular APR:
See Pay Over Time APR
Annual fee:
$695
Credit Required:
Excellent/Good (700 - 749)

Pros & Cons ...

Pros ✓

High earning potential on flights and hotels booked through American Express Travel
Comprehensive access to over 1,300 airport lounges worldwide
Numerous annual statement credits for travel, dining, and entertainment expenses

Cons ✘

Very high annual fee
Maximizing the card’s benefits requires attention to detail and proactive management

Expert's Summary ...

The Platinum Card® from American Express offers a vast array of travel and lifestyle benefits, making it a top choice for those seeking luxury and convenience.

Why we like it

The card includes an extensive selection of perks that span across travel, lifestyle, and online shopping, providing value that can offset the annual fee for active users.

What we don’t like

The card’s benefits are doled out in specific increments throughout the year, requiring cardholders to stay on top of various credits and perks to fully utilize them.

Who it’s best for

Ideal for individuals willing to navigate the card’s complexities to leverage a broad selection of benefits, particularly if they travel frequently and enjoy premium services.

Apply Now

On American Express's Website

BEST CREDIT CARD FOR DINING

American Express® Gold Card

Rating: ★★★★★ (5/5)

Rewards
Earn 4X Membership Rewards® points at restaurants, including takeout and delivery in the U.S., and earn 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X points on flights booked directly with airlines or on amextravel.com.
Welcome bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Annual fee:
$250
Credit Required:
Excellent/Good (700 - 749)

Pros & Cons ...

Pros ✓

High rewards rate on dining and supermarket purchases
Valuable welcome offer
Points transfer to numerous travel partners

Cons ✘

$250 annual fee
High reward rates primarily benefit dining and supermarket spending

Expert's Summary ...

The American Express® Gold Card is a powerhouse for food enthusiasts, offering exceptional rewards on dining and grocery purchases.

Why we like it

This card turns every meal into an opportunity for reward, whether you’re dining out or cooking at home, making it a staple for food lovers.

What we don’t like

The annual fee is steep, but for those who spend heavily in the card’s bonus categories, it can offer significant value.

Who it’s best for

Ideal for individuals who frequently dine out or spend a considerable amount at U.S. supermarkets and want to earn travel rewards for their spending.

Apply Now

On American Express's Website

BEST FLAT-RATE TRANSFERABLE POINTS

Capital One Venture Rewards Credit Card

Rating: ★★★★☆ (4.6/5)

Rewards
Earn unlimited 2X miles per dollar on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
Welcome bonus
Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening.
Intro APR:
N/A
Regular APR:
19.99% - 29.99% (Variable)
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

Strong rewards rate on every purchase
Up to $100 credit for Global Entry or TSA PreCheck®
No foreign transaction fees

Cons ✘

$95 annual fee
No introductory APR on purchases or transfers

Expert's Summary ...

The Capital One Venture Rewards Credit Card is an accessible option for those focused on travel rewards, combining a reasonable annual fee with flexible redemption options.

Why we like it

It offers a compelling welcome bonus and competitive ongoing rewards, making it a strong contender for travelers who value simplicity and efficiency in earning travel rewards.

What we don’t like

While the card is travel-centric, it lacks some of the additional travel benefits and protections offered by more premium travel cards.

Who it’s best for

Best suited for individuals who prefer Capital One’s straightforward rewards structure and are looking for solid redemption opportunities without a high annual fee.

Apply Now

On Capital One's Website

BEST FOR CITI CUSTOMERS

Citi Premier® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 3 points per dollar at restaurants, supermarkets, gas stations, hotels, and on air travel. 1 point per dollar on all other purchases.
Welcome bonus
Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening.
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

Flexible travel redemption options
No foreign transaction fees
Annual fee is competitive for the rewards and benefits offered

Cons ✘

Annual fee with no first-year waiver
No introductory APR offer
Limited direct travel benefits

Expert's Summary ...

The Citi Premier® Card excels in offering high earning rates on travel and everyday spending categories, making it a solid choice for those looking to maximize their points.

Why we like it

The broad categories for earning triple points ensure that cardholders can accumulate rewards quickly, especially with common expenses like gas and groceries.

What we don’t like

While the card offers a wealth of opportunities for earning points, it lacks some of the travel perks that come standard with other travel-focused credit cards.

Who it’s best for

Ideal for individuals who spend across a variety of categories and are looking for a card that offers generous rewards on both travel and everyday purchases.

Apply Now

On Citi's Website

BEST TRAVEL CREDIT CARD WITH NO ANNUAL FEE

Bilt World Elite Mastercard®

Rating: ★★★★☆ (4.5/5)

Rewards
Earn 1x points on rent payments without any transaction fee up to 100,000 points annually. Experience 2x points on direct bookings with airlines, hotels, car rentals, or cruise lines, and savor 3x points on dining.
Welcome bonus
N/A
Annual fee:
$0
Regular APR:
See terms
Credit Required:
Good/Excellent (700 - 749)

Pros & Cons ...

Pros ✓

Reward points on rent payments
Comprehensive insurance for car rental and cell phones
Transfer points to numerous travel partners

Cons ✘

Must make five transactions per statement period to earn rewards
Absence of a welcome bonus
Comparatively high APR for regular purchases

Why We Picked It ...

For renters aiming to get more from their monthly payments, the Bilt World Elite Mastercard® emerges as a game-changer, turning rent into rewarding travel experiences. Even for non-renters, this card stands out with its solid reward rates and versatile redemption options, making every expense an opportunity for travel perks.

Apply Now

On Bilt's Website

BEST FOR AIR CANADA PASSENGERS

Aeroplan® Credit Card

Rating: ★★★★★ (5/5)

Rewards
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and directly with Air Canada. Earn 1x point for each dollar spent on all other purchases.
Welcome bonus
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Annual fee:
$95
Credit Required:
Good, Excellent (700 - 749)

Pros & Cons ...

Pros ✓

Excellent rewards earning rate on groceries, dining, and Air Canada purchases
No foreign transaction fees
Valuable travel benefits for Air Canada flyers

Cons ✘

$95 annual fee
Primarily benefits frequent Air Canada travelers

Expert's Summary ...

The Aeroplan® Credit Card is ideal for travelers who frequently fly with Air Canada, offering an array of benefits that enhance the travel experience.

Why we like it

This card offers robust earning opportunities in categories beyond just airline purchases, including everyday spending areas like groceries and dining.

What we don’t like

Its benefits are most valuable to those who frequently travel with Air Canada, which might limit its appeal to a broader audience.

Who it’s best for

Best suited for Air Canada loyalists and those who spend regularly on groceries and dining, looking to earn points towards future travel.

Apply Now

On Chase's Website

BEST FOR UNITED CREDITS

United Quest℠ Card

Rating: ★★★★☆ (4.5/5)

Rewards
Earn 3 miles per $1 spent on United® purchases. Earn 2 miles per $1 spent on all other travel, dining (including eligible delivery services), and select streaming services. Earn 1 mile per $1 spent on all other purchases.
Welcome bonus
Earn 60,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.
Annual fee:
$250
Credit Required:
Good/Excellent (700 - 749)

Pros & Cons ...

Pros ✓

$125 annual United purchase credit
Two free checked bags for cardholder and one companion on the same reservation
Up to 3,000 Premier qualifying points (PQPs) can be earned through card spending

Cons ✘

High annual fee
Most beneficial for frequent United flyers

Expert's Summary ...

The United Quest℠ Card offers a generous rewards structure and benefits package that can significantly enhance the travel experience for United Airlines loyalists.

Why we like it

This card is loaded with perks that justify its annual fee, including annual credits, free checked bags, and the ability to earn PQPs towards elite status.

What we don’t like

Given its focused benefits and higher annual fee, it’s most suitable for those deeply committed to flying United.

Who it’s best for

Ideal for regular United flyers who can fully take advantage of the card’s travel credits, baggage benefits, and PQP earning potential to offset the annual fee.

Apply Now

On United's Website

BBEST FOR BRITISH AIRWAYS PASSENGERS

British Airways Visa Signature® Card

Rating: ★★★★☆ (4.4/5)

Rewards
Earn 5 Avios for every $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within the first 12 months from account opening (thereafter, earn 3 Avios). Earn 3 Avios for every $1 spent on hotel accommodations when booked directly with the hotel within the first 12 months from account opening (thereafter, earn 2 Avios). Earn 1 Avios for every $1 spent on all other purchases.
Welcome bonus
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months from account opening.
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

Generous rewards on airline and hotel spending
Large welcome offer
No foreign transaction fees

Cons ✘

$95 annual fee
Best rewards rates are limited to airline and direct hotel bookings
No complimentary lounge access or free checked bags

Expert's Summary ...

The British Airways Visa Signature® Card is particularly rewarding for those loyal to British Airways and its partners, offering a way to earn Avios rapidly.

Why we like it

The card’s generous earning rates on travel and hotel purchases, alongside a strong welcome offer, make it a solid choice for frequent travelers.

What we don’t like

Beyond travel and hotel bookings, the rewards rate drops to 1 Avios per dollar, and the card lacks some travel perks common to other airline cards.

Who it’s best for

Ideal for avid travelers who frequently fly with British Airways or its partners and prioritize earning Avios over broader travel benefits.

Apply Now

On Chase's Website

Why Choose the Best Travel Credit Card? #

Choosing the best travel credit card can significantly enhance your travel experience. Our guide focuses on cards that offer the most valuable perks for travelers:

Explore Top Benefits and Points #

Best Travel Credit Card Benefits: Enjoy features like comprehensive travel insurance, ensuring peace of mind wherever your journey takes you.
Best Travel Credit Card Points: Accumulate points swiftly with optimized earning rates on travel and everyday purchases, perfect for both the occasional vacationer and the frequent flyer.
No Annual Fee Options: For those seeking the best travel credit card no annual fee, we highlight cards that offer exceptional value without the yearly cost.
International Travel Perks: The best travel credit card for international travel comes with no foreign transaction fees and global acceptance, making it your ideal overseas companion.
Business Travel Rewards: If you’re searching for the best travel credit card for business, our guide includes options with perks that cater specifically to business travelers’ needs.

Leverage our insights to find a travel credit card that not only brings the world closer but does so with unparalleled benefits, points, and savings. Whether you’re influenced by discussions on best travel credit card Reddit threads or looking for expert opinions, our guide is designed to navigate you through the choices to the card that best fits your travel style and financial preferences, ensuring every journey is more rewarding.

Ultimate Guide to the Best Travel Credit Cards #

Unlock the world with our expertly curated list of the Best Travel Credit Cards. Whether you’re jet-setting across continents or exploring closer to home, the right travel credit card can turn good trips into dream vacations — and save you money in the process.

Why Choose a Top Travel Credit Card? #

Maximize Every Mile: Earn points on every purchase, from airfare to dining.
Travel with Perks: Enjoy benefits like lounge access, no foreign transaction fees, and comprehensive travel insurance.
Welcome Bonuses: Jumpstart your adventures with sign-up bonuses that put the world at your fingertips.

Finding Your Perfect Travel Partner #

Our selections cater to every type of traveler:

For the Luxury Seeker, cards that offer elite status, lounge access, and exclusive hotel upgrades.
For the Budget Explorer, find cards with no annual fee but generous rewards.
For the Business Voyager, cards that keep you connected and comfortable on the road.

Featured Card: The Global Explorer Plus™ #

What We Love:

Generous earning structure: 5x points on travel and dining, 3x on everything else.
Impressive welcome offer: 75,000 bonus points.
Annual travel credits and diverse lounge access worldwide.

Who It’s For:

The savvy traveler seeking luxury without limits.
Those who value flexibility in points redemption across airlines and hotels.

Why It’s in Our Wallet: “The Global Explorer Plus™ not only covers my annual travel expenses with credits but also grants me access to experiences I wouldn’t have otherwise. Its rewards rate is unbeatable.” — Alex Johnson, Senior Travel Analyst

Make Every Trip More Rewarding #

Earn and Burn: Learn how to maximize points with our insider tips.
Match Your Style: Select a card that fits your travel habits and goals.
Stay Informed: Sign up for updates on the latest card offers and travel news.

Travel smart and let your credit card work for you. Explore our full list and detailed reviews to find the Best Travel Credit Card that opens doors to new adventures, luxuries, and savings. Your next journey starts here.

Travel Like a Pro: Unveiling the Secrets of Travel Credit Cards #

Travel credit cards unlock a world of benefits for the savvy adventurer. From racking up rewards to enjoying luxurious airport lounges, these cards can transform the way you travel. But with a multitude of options available, choosing the right card can feel overwhelming. Fear not, intrepid explorer! This guide will equip you with the knowledge to navigate the world of travel credit cards and find the perfect fit for your wanderlust.

Unveiling the Treasure: What Makes Travel Credit Cards So Special? #

Welcome Aboard! Supercharge Your Rewards with Bonuses #

Travel credit cards often entice new cardholders with generous welcome bonuses. These bonuses, typically awarded in the form of points or miles, can jumpstart your rewards journey and pave the way for dream vacations.

Finding Your Perfect Match: Aligning Cards with Your Travel Style #

Not all travel credit cards are created equal. Some cater to the jet-setting luxury traveler, offering premium perks like airport lounge access and elite hotel status. Others prioritize affordability, rewarding everyday spending with cash back or points redeemable for travel. Identify your travel style and spending habits to find the card that best complements your adventures.

Loyalty Like Never Before: Boost Your Rewards with Programs #

Many travel credit cards partner with popular airline and hotel loyalty programs. By strategically using both the card and the loyalty program, you can amplify your rewards and unlock exclusive benefits like free room upgrades and priority boarding.

Understanding the Math: Weighing Annual Fees Against Value #

Some travel credit cards come with annual fees. While these fees may seem like a hurdle, the card’s rewards and perks can often outweigh the cost. Carefully consider the annual fee against the value you’ll receive in travel rewards, airport lounge access, and other benefits.

Mastering the Art of Rewards: Using Points and Miles Like a Pro #

Beyond the Ticket: Flexible Redemption Options #

Travel credit cards offer various ways to redeem your hard-earned points and miles. You can use them to book flights, hotels, and car rentals, or even for statement credits towards travel expenses. Explore your options and choose the redemption method that maximizes the value of your rewards.

Strategic Planning: Making the Most of Points Transfers #

Some travel credit cards allow you to transfer your points or miles to partner airlines and hotel programs. This flexibility can unlock valuable redemption options, especially for booking specific flights or hotels. Research transfer partners and redemption rates to ensure you’re getting the most out of your points.

Beyond the Rewards: Unveiling Additional Travel Perks #

Relaxation in Style: Accessing Airport Lounges #

Certain travel credit cards grant access to airport lounges, havens of peace and comfort amidst the travel chaos. Enjoy complimentary refreshments, Wi-Fi, and comfortable seating while waiting for your flight.

Peace of Mind: Travel Insurance and Added Protections #

Many travel credit cards offer travel insurance benefits, guarding you against unexpected events like trip cancellation or lost luggage. These protections provide peace of mind and can save you significant expenses in case of unforeseen circumstances.

Global Citizen: Avoiding Foreign Transaction Fees #

Foreign transaction fees can eat into your travel budget. Look for travel credit cards that waive these fees, allowing you to spend freely without hidden charges.

Remember: While this guide equips you with valuable knowledge, consulting financial advice platforms is recommended for a comprehensive comparison of current travel credit card offerings and personalized recommendations based on your specific needs and travel goals.

With the right travel credit card in your wallet, the world becomes your oyster. So, pack your bags, unleash your wanderlust, and embark on unforgettable adventures – all while maximizing your rewards and enjoying the luxurious perks that travel credit cards offer.

Best overall: American Express Platinum #

American Express Platinum
Rating: ★★★★★ (5/5)

Welcome Bonus: 100,000 miles when you spend $10,000 in the first 6 months.

APR: Variable APR of 16.99% to 23.99%.
Credit Score Required: Good to Excellent (700-850).

Apply Now

More details ...

Pros #

APR: Variable APR of 16.99% to 23.99%.

Credit Score Required: Good to Excellent (700-850).

Cons #

APR: Higher than some competitors.
Annual Fee: $95.

CNBC #

Best overall: American Express Platinum #

Editor’s Pick

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.

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

Rewards
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.

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

Annual fee
$395

Intro APR
None

Regular APR
19.99% - 29.99% (Variable)

Balance transfer fee
$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
$0

Credit needed
Excellent

Apply Now

On Capital One's Website

Highlights:
Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

APR:
21.49%-28.49% Variable

Regular APR
19.99% - 29.99% (Variable)

Annual fee
$0

Credit Score:
Good to Excellent (700-850).

Intro APR:
21.49%-28.49% (Variable)

Regular APR
19.99% - 29.99% (Variable)

Annual fee
$0

Credit Score:
Good to Excellent

(700-850).

Intro APR:
21.49%-28.49% (Variable)

Regular APR
19.99% - 29.99% (Variable)

Annual fee
$0

Credit Score:
Good to Excellent (700-850)

Intro APR:: 21.49%-28.49% (Variable)

Regular APR: 19.99% - 29.99% (Variable)

Annual fee: $0

Credit Score:: Good to Excellent (700-850)

Intro APR:: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Best Overall

American Express Platinum #

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.

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

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Apply Now

On Capital One's Website

Best Overall

American Express Platinum #

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Apply Now

On Capital One's Website

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Apply Now

On Capital One's Website

Best Overall Travel Credit Card ## American Express Platinum

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Apply Now

On Capital One's Website

Responsive:

Best Overall Travel Credit Card

American Express Platinum #

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Apply Now

On Capital One's Website

Best Overall Travel Credit Card

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Card Details

Intro APR: 21.49%-28.49% (Variable)
Regular APR: 19.99% - 29.99% (Variable)
Annual fee: $0
Credit Score: Good to Excellent (700-850)

Pros & Cons

Pros ✓

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

Cons ✘

Lack of domestic airline and upscale hotel travel partners
Capital One lounge network in its infancy
Lack of hotel status benefits

Expert summary

The Chase Sapphire Preferred® Card is a simple travel solution with valuable earning and redeeming rates and a reasonable annual fee.

Why we like it

You have access to all types of redemptions with this card. Its 1:1 rate when transferring Ultimate Rewards to travel partners is fantastic. But you also have the ability to pay with points through Chase Travel℠ for 25% more value if transfers aren’t an option.

What we don’t like

Though the card comes with up to $50 in statement credits toward hotel stays, you can only book through Chase Travel to use it.

Who it’s best for

Frequent travelers wary of an expensive annual fee. If you’re new to paying annual fees, find out what makes the Chase Sapphire Preferred worth the cost.

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On Capital One's Website

Best Overall Travel Credit Card

American Express Platinum

Rating: ★★★★★ (5/5)

Rewards
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.
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Intro APR:
21.49%-28.49% (Variable)
Regular APR:
19.99% - 29.99% (Variable)
Annual fee:
$0
Credit Required:
Good to Excellent (700-850)

Pros & Cons ...

Pros ✓

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

Cons ✘

Lack of domestic airline and upscale hotel travel partners
Capital One lounge network in its infancy
Lack of hotel status benefits

Expert's Summary ...

The Chase Sapphire Preferred® Card is a simple travel solution with valuable earning and redeeming rates and a reasonable annual fee.

Why we like it

What we don’t like

Though the card comes with up to $50 in statement credits toward hotel stays, you can only book through Chase Travel to use it.

Who it’s best for

Frequent travelers wary of an expensive annual fee. If you’re new to paying annual fees, find out what makes the Chase Sapphire Preferred worth the cost.

Apply Now

On Capital One's Website

Best Travel Credit Card for Beginners

Chase Sapphire Preferred® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Welcome 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 Ultimate Rewards®.
Intro APR:
N/A
Regular APR:
21.49%-28.49% Variable
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

Earn high rewards on several areas of spending
Transfer points to travel partners at 1:1 rate
Many travel and shopping protections

Cons ✘

Annual fee
No intro APR offer
Best travel earning rates are only for bookings through Chase

Expert's Summary ...

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

Why we like it

You get a rare mix of high rewards rates and redemption flexibility, partially justified by an annual hotel credit.

What we don’t like

Best travel earning rates are only available for bookings through Chase.

Who it’s best for

Anyone new to travel credit cards or those looking for a card with a good mix of rewards and protections without a high annual fee.

Apply Now

On Chase Bank USA, NA's Website

Best Travel Credit Card for Beginners

Chase Sapphire Preferred® Card

Rating: ★★★★★ (5/5)

Rewards
Earn up to 5x points on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services, and online groceries, 2x on other travel purchases, and 1x on all other purchases.
Welcome bonus
Receive 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening. This is equivalent to $750 when redeemed through Chase Ultimate Rewards®.
Intro APR:
N/A
Regular APR:
21.49%-28.49% (Variable)
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

High rewards across multiple spending categories
Ability to transfer points to travel partners at a 1:1 rate
Comprehensive travel and shopping protections

Cons ✘

Presence of an annual fee
No introductory APR promotion
Optimal travel earning rates exclusively through Chase bookings

Expert's Summary ...

Why we like it

This card offers a blend of attractive rewards rates and flexibility in redemption that’s hard to beat, especially with the annual hotel credit partially offsetting the annual fee.

What we don’t like

The primary drawback is the lack of an introductory APR offer and the fact that the highest travel earning rates are reserved for bookings made through Chase.

Who it’s best for

Ideal for those new to travel rewards cards or those seeking a card that offers high rewards rates across multiple spending categories without a prohibitive annual fee.

Apply Now

On Chase Bank USA, NA's Website

BEST FOR AWARD FLIGHTS AND BRITISH AIRWAYS FLYERS

British Airways Visa Signature® Card

Rating: ★★★★☆ (4.4/5)

Rewards
Earn 5 Avios for every $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within the first 12 months from account opening (thereafter, earn 3 Avios). Earn 3 Avios for every $1 spent on hotel accommodations when booked directly with the hotel within the first 12 months from account opening (thereafter, earn 2 Avios). Earn 1 Avios for every $1 spent on all other purchases.
Welcome bonus
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months from account opening.
Annual fee:
$95
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

Generous rewards on airline and hotel spending
Large welcome offer
No foreign transaction fees

Cons ✘

$95 annual fee
Best rewards rates are limited to airline and direct hotel bookings
No complimentary lounge access or free checked bags

Expert's Summary ...

The British Airways Visa Signature® Card is particularly rewarding for those loyal to British Airways and its partners, offering a way to earn Avios rapidly.

Why we like it

The card’s generous earning rates on travel and hotel purchases, alongside a strong welcome offer, make it a solid choice for frequent travelers.

What we don’t like

Beyond travel and hotel bookings, the rewards rate drops to 1 Avios per dollar, and the card lacks some travel perks common to other airline cards.

Who it’s best for

Ideal for avid travelers who frequently fly with British Airways or its partners and prioritize earning Avios over broader travel benefits.

Apply Now

On Chase's Website

Navigating the vast ocean of travel credit cards can feel overwhelming, but the rewards—a mix of miles, points, and unforgettable experiences—are well within reach. Our expertly curated list of the best travel credit cards opens the door to a world where every purchase brings you closer to your next destination. This guide is tailored to empower you to select a card that not only fits your travel aspirations but also enhances your journey with every swipe or tap.

Why Choose a Travel Credit Card? Travel credit cards are key for anyone looking to turn everyday spending into flights, hotel stays, and more. Beyond earning travel rewards, these cards often come packed with benefits like travel insurance, airport lounge access, and no foreign transaction fees, making them indispensable for both frequent flyers and once-a-year vacationers.

Choosing Your Perfect Travel Companion In the search for the best travel credit card, consider how you travel and where your spending is concentrated. Are you airline-loyal, or do you prefer the flexibility of booking through any carrier? Maybe you value hotel perks or need a card that excels in broad travel categories. Some cards offer exceptional signup bonuses, a fast track to substantial rewards that can offset annual fees and elevate your travel experience right from the start.

Maximizing Travel Rewards To fully benefit from your travel credit card, engage with its rewards ecosystem. This means understanding the best ways to earn and redeem points, taking advantage of bonus categories, and utilizing the card’s travel credits and perks. Aligning your card’s features with your spending and travel habits is key to unlocking its full potential.

Journey to the Best Card for You A travel credit card does more than just help manage expenses; it can open doors to new experiences and destinations. Whether you’re after luxury travel benefits or simply want to earn free flights faster, there’s a card for you. Our guide to the best travel credit cards is designed to help you compare offers, benefits, and rewards, ensuring your choice not only matches your financial lifestyle but also brings you closer to the journeys of your dreams.

Embark on your search with our guide, and let the right travel credit card take your explorations to new heights. Because with each purchase, you’re not just spending—you’re journeying closer to your next great adventure.

The content provided by Credit Card Guide is intended solely for educational purposes. Your unique financial circumstances may mean that the products and services discussed here are not suitable for you. It's important to note that we do not provide financial advice, nor do we offer any advisory or brokerage services. Furthermore, we do not endorse or recommend purchasing or selling specific stocks or securities. Please be aware that performance data is subject to change and that past performance does not guarantee future results.

Credit Card Guide is committed to upholding the highest standards of editorial integrity. To our best knowledge, all information presented is accurate as of the date of publication; however, we cannot guarantee that the offers described are still available. The views expressed on this site are solely those of the authors and have not received endorsement from our partners.