United States

Credit Cards - Travel

Choosing the right travel credit card is a key step in maximizing your travel benefits. This page highlights important features, rewards programs, fees, and travel perks to help you make informed comparisons and find the card that best suits your travel habits and goals.

Understanding Travel Credit Cards in the U.S.
Travel credit cards are financial tools designed to reward cardholders for their spending, especially on travel-related purchases such as flights, hotels, and car rentals. These cards often provide benefits like earning travel points, miles, or cash back, which can be redeemed for free or discounted travel. Additionally, many travel credit cards come with perks like airport lounge access, travel insurance, and no foreign transaction fees, making them ideal for frequent travelers.

How Travel Credit Cards Work
When you use a travel credit card, you earn rewards for each dollar spent, with higher rewards rates typically offered on travel and related categories. Points or miles can often be redeemed through the card issuer’s travel portal or transferred to loyalty programs with airlines and hotels. Some cards also offer introductory bonuses after meeting specific spending requirements. While these cards provide valuable benefits, they often come with annual fees and require responsible use to avoid interest charges and debt. By choosing a card aligned with your travel habits, you can maximize rewards and make the most of your trips.

Key Features to Consider When Choosing a U.S. Travel Credit Card
Selecting a travel credit card involves more than just looking at rewards rates. Here are some essential factors to evaluate:

  • Rewards Structure
    Travel credit cards vary in how they award points or miles. Some offer flat-rate rewards on all purchases, while others provide higher rates for travel-related spending. Choose a card that matches your spending habits to maximize rewards.
  • Sign-Up Bonuses
    Many travel cards offer generous introductory bonuses if you meet a minimum spending requirement within the first few months. These bonuses can significantly boost your rewards, but be sure the spending threshold aligns with your budget.
  • Annual Fees and Costs
    Travel cards often come with annual fees, especially those offering premium perks. Consider whether the benefits and rewards you’ll earn outweigh the fee. Also, look for cards with no foreign transaction fees if you plan to use your card internationally.
  • Travel Perks and Benefits
    From free checked bags and priority boarding to airport lounge access and travel insurance, perks can add significant value. Compare benefits to see which card enhances your travel experience the most.
  • Redemption Options
    Some cards limit redemption to specific airlines or hotels, while others offer flexible options like transferring points to multiple loyalty programs or redeeming through the issuer’s travel portal. Choose a card with a redemption system that works for your travel needs.
  • Customer Support and Travel Assistance
    Strong customer service, including 24/7 support and travel assistance services, can be invaluable in handling issues like lost cards or travel disruptions. Look for a card with a reputation for reliable support.

Important Note

Before applying for a travel credit card, it’s essential to carefully review all terms, fees, and features directly with the card issuer. While this page strives to provide accurate and up-to-date information, credit card policies, rewards structures, and benefits can change over time. Confirming the details with the issuer ensures that the card aligns with your travel habits, financial needs, and expectations.

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Last Updated: January 2, 2025

Some of the links on this page are affiliate links, meaning we may earn a commission if you click through and make a purchase, at no extra cost to you. This does not influence our comparisons or reviews, which are based on our independent research and analysis. All content on this page is for educational purposes only and should not be considered financial advice. Always verify details directly with the provider before making any decisions. Full disclosure Here.

Responsible Credit Card Use >

Credit cards can be a helpful financial tool, but they should be used with caution and responsibility. Carrying a balance can lead to high-interest charges, and overspending may result in unmanageable debt. Always aim to pay your balance in full each month to avoid interest, and spend only what you can afford to repay. Be mindful of your credit limit, as maxing out your card can negatively impact your credit score. Regularly monitor your statements to track spending and identify any unauthorized transactions. Remember, the benefits of credit cards, such as rewards or cash back, should never encourage unnecessary spending. Use credit cards wisely to maintain financial stability and avoid costly mistakes.

Bank of America® Travel Rewards Credit Card

Fees:

  • No annual fee.
  • No foreign transaction fees.
  • Introductory balance transfer fee: 3% of each transaction within the first 60 days; afterward, 4% of each transaction.

APR:

  • 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days.
  • Post-introductory APR: 18.24% – 28.24% (variable), based on creditworthiness.

Offer:

  • Earn 25,000 online bonus points after spending $1,000 in the first 90 days, redeemable for a $250 statement credit toward travel and dining purchases.

View Terms & Conditions

Features
  • Unlimited 1.5 points per $1 spent on all purchases.
  • No annual fee or foreign transaction fees.
  • Flexible redemption options for travel and dining purchases, including flights, hotels, vacation rentals, and restaurants.
  • Introductory 0% APR for 15 billing cycles on purchases and balance transfers made within 60 days.
  • Preferred Rewards® program for earning 25%-75% more points.
  • No blackout dates or restrictions when redeeming points.
Details

The Bank of America® Travel Rewards Credit Card is ideal for travelers seeking simple and flexible rewards. With no annual fee or foreign transaction fees, it’s a cost-effective option for earning unlimited 1.5 points per $1 on all purchases. New cardholders can benefit from 25,000 bonus points (redeemable for $250 in travel and dining credits) after meeting the initial spending requirement. A 0% intro APR for 15 billing cycles on purchases and balance transfers adds additional value. Members of the Bank of America Preferred Rewards® program can boost earnings significantly, making this card suitable for those who prioritize flexibility and low-cost travel rewards.

Pros
  • No annual fee.
  • Unlimited 1.5 points per $1 spent with no expiration.
  • No foreign transaction fees, ideal for international travelers.
  • Generous sign-up bonus (25,000 points worth $250 in travel credits).
  • Preferred Rewards® members earn 25%-75% more points.
  • Flexible redemption options with no blackout dates.
Cons
  • Relatively modest base rewards rate compared to category-specific cards.
  • Balance transfer fees apply (3% introductory, 4% afterward).
  • No higher rewards rate for travel-specific purchases unless using Preferred Rewards® benefits.

View Terms & Conditions

United Quest℠ Card

United Quest℠ Card

Fees:

  • Annual fee: $250.

APR:

  • Variable APR of 21.24%–28.24%.

Offer:

  • 70,000 bonus miles and 500 Premier qualifying points (PQP) after spending $4,000 on purchases in the first 3 months.
  • Additional 5,000 bonus miles after adding an authorized user within the first 3 months.

View Terms & Conditions

United Quest℠ Card
Features
  • 70,000 bonus miles and 500 PQP after meeting the spending requirement.
  • Earn up to 8x miles on United purchases.
  • 2x miles on all other travel, dining, and streaming services.
  • Annual $125 United purchase credit.
  • Free first and second checked bags for the cardholder and one companion.
  • Receive up to 10,000 miles in award flight credits each anniversary year.
  • Priority boarding and other premium travel benefits.
Details

The United Quest℠ Card is ideal for frequent United Airlines travelers, offering significant value through rewards and perks. Cardholders earn up to 8x miles on United purchases, including 3x miles from the card and 5x miles as a MileagePlus member. Additional benefits include an annual $125 United purchase credit, free checked bags for the cardholder and a companion, and up to 10,000 award miles in flight credits yearly. With a generous welcome offer of 70,000 miles and 500 PQP, this card is a strong choice for those seeking travel rewards and elite status benefits, despite its $250 annual fee.

Pros
  • Generous welcome bonus of 70,000 miles and 500 PQP.
  • Up to 8x miles on United purchases and 2x on travel, dining, and streaming services.
  • Annual $125 United purchase credit.
  • Free first and second checked bags for two travelers.
  • Priority boarding and award flight credits.
Cons
  • High $250 annual fee.
  • Rewards program heavily benefits United Airlines travelers.
  • Limited bonus miles categories outside travel and dining.

View Terms & Conditions

Hilton Honors American Express Card

Hilton Honors American Express Card

Fees:

  • No annual fee.
  • No foreign transaction fees.

APR:

  • Variable APR of 19.99% to 28.99% on purchases.

Offer:

  • Earn 100,000 Hilton Honors Bonus Points after spending $2,000 in purchases within the first 6 months of Card Membership. Offer ends January 8, 2025.

View Terms & Conditions

Hilton Honors American Express Card
Features
  • 7X Points on eligible purchases at Hilton hotels and resorts.
  • 5X Points on U.S. dining, groceries, and gas purchases.
  • 3X Points on all other eligible purchases.
  • No annual fee and no foreign transaction fees.
  • Complimentary Hilton Honors Silver Status for added benefits during stays.
  • Access to Amex-exclusive events, presales, and experiences.
  • Send & Split® feature for sharing expenses via Venmo or PayPal.
Details

The Hilton Honors American Express Card is a no-annual-fee credit card designed for travelers who frequent Hilton properties. Cardholders earn 7X Points on Hilton stays, 5X Points on U.S. dining, groceries, and gas, and 3X Points on all other purchases. The card offers a limited-time welcome bonus of 100,000 Points after meeting the spending requirement, along with complimentary Hilton Honors Silver Status for enhanced travel benefits. With no foreign transaction fees and exclusive Amex benefits, this card is ideal for both domestic and international travelers who value Hilton stays.

Pros
  • No annual fee.
  • High earning potential at Hilton properties and on everyday spending categories.
  • Generous welcome bonus of 100,000 Points.
  • No foreign transaction fees, ideal for international travelers.
  • Complimentary Hilton Honors Silver Status.
Cons
  • Limited earning potential outside of Hilton-related and U.S.-specific spending categories.
  • High APR compared to some other travel cards.

View Terms & Conditions

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

Fees:

No annual fee.

APR:

  • 0% intro APR on balance transfers for the first 12 billing cycles.
  • Variable APR of 17.24%–28.24% after the intro period.

Offer:

  • Earn 20,000 bonus points after spending $1,000 on eligible purchases within the first 90 days.

View Terms & Conditions

U.S. Bank Altitude® Connect Visa Signature® Card
Features
  • 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center.
  • 4X points on travel and gas stations/EV charging stations (up to $1,000 per quarter).
  • 2X points on dining, streaming services, and groceries.
  • 1X point on all other purchases.
  • Up to $100 statement credit for TSA PreCheck® or Global Entry® application fees every four years.
  • Complimentary airport lounge access with Priority Pass Select Membership (4 visits per year).
  • Global mobile data plans through GigSky in over 125 countries.
  • Travel protections, including trip cancellation/interruption and delay reimbursement.
Details

The U.S. Bank Altitude® Connect Visa Signature® Card is a versatile rewards card tailored for travelers and frequent spenders. With robust earning potential, it offers 5X points on prepaid hotels and car rentals through its Rewards Center and 4X points on travel and gas station/EV charging station purchases (with a quarterly limit for gas/EV purchases). Additional benefits include complimentary Priority Pass™ airport lounge access, a TSA PreCheck®/Global Entry® fee credit, and global mobile data plans. With a $0 annual fee for the first year and a $95 fee thereafter, this card is well-suited for individuals seeking travel perks and elevated rewards.

Pros
  • No annual fee for the first year.
  • High earning rates on travel, gas, and dining categories.
  • Complimentary airport lounge access and TSA PreCheck®/Global Entry® credit.
  • Comprehensive travel protections and assistance.
  • Global mobile data connectivity in over 125 countries.
Cons
  • $95 annual fee after the first year.
  • 4X points at gas stations/EV charging stations capped at $1,000 per quarter.
  • Limited high-reward categories for non-travel purchases.

View Terms & Conditions

United℠ Explorer Card

United℠ Explorer Card

Fees:

  • No annual fee for the first year; $95 annually thereafter.

APR:

  • Variable APR of 21.24%–28.24%.

Offer:

  • Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months.
  • Earn 5,000 bonus miles after adding an authorized user within the first 3 months.

View Terms & Conditions

United℠ Explorer Card
Features
  • Earn 7x miles on United flights (5x as a MileagePlus member and 2x with the card).
  • 2x miles on hotel stays and dining (including eligible delivery services).
  • 1x mile on all other purchases.
  • Free first checked bag for the cardholder and a companion (up to $160 savings per round trip).
  • Priority boarding for cardholder and companions on United flights.
  • Two United Club one-time passes annually for lounge access.
  • Up to $120 statement credit for Global Entry, TSA PreCheck®, or NEXUS every four years.
  • 25% back as a statement credit for onboard food, beverages, and Wi-Fi purchases.
Details

The United℠ Explorer Card offers strong value for frequent United Airlines travelers. With a generous welcome bonus of 60,000 miles and 5,000 additional miles for adding an authorized user, the card provides a quick way to earn travel rewards. Cardholders benefit from earning up to 7x miles on United purchases and 2x miles on dining and hotel stays. Additional perks include free checked bags, priority boarding, and two United Club passes annually. With a $0 annual fee for the first year and a $95 fee thereafter, this card is an excellent choice for United travelers seeking additional travel benefits.

Pros
  • Generous welcome bonus of 60,000 miles and 5,000 bonus miles for adding an authorized user.
  • Free first checked bag for two travelers.
  • Priority boarding and two United Club passes annually.
  • Enhanced earning potential on United flights, dining, and hotel stays.
  • Statement credit for Global Entry, TSA PreCheck®, or NEXUS application fees.
Cons
  • $95 annual fee after the first year.
  • Bonus earning categories are United-focused, limiting non-United spending rewards.

View Terms & Conditions

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card

Fees:

  • No annual fee.
  • No foreign transaction fees.

APR:

  • Variable APR of 19.99% to 28.99% on purchases.

Offer:

  • Earn 10,000 Bonus Miles after spending $1,000 on purchases within the first 6 months.

View Terms & Conditions

Delta SkyMiles® Blue American Express Card
Features
  • 2X Miles on Delta purchases and U.S. dining.
  • 1X Mile on all other eligible purchases.
  • No foreign transaction fees for purchases made abroad.
  • 20% back as a statement credit on eligible Delta in-flight purchases.
  • Pay with Miles: Redeem 5,000 miles for $50 off Delta flight bookings.
  • Access to exclusive Amex events and ticket presales.
  • Car rental loss and damage insurance when paying with the card.
  • Global Assist® Hotline for 24/7 travel emergency assistance.
Details

The Delta SkyMiles® Blue American Express Card is a no-annual-fee card designed for occasional Delta travelers. It offers 2X Miles on Delta purchases and dining, along with 1X Mile on all other purchases. Cardholders enjoy 20% back on eligible Delta in-flight purchases and no foreign transaction fees, making it great for international use. A modest welcome offer of 10,000 Bonus Miles is available for meeting the spending threshold, and benefits such as Pay with Miles and travel protections enhance its value for travelers.

Pros
  • No annual fee.
  • 2X Miles on Delta purchases and dining, including takeout and delivery.
  • No foreign transaction fees.
  • 20% back on Delta in-flight purchases.
  • Flexibility with Pay with Miles for Delta flight discounts.
Cons
  • Limited rewards categories outside of Delta and dining.
  • Lower welcome bonus compared to other travel cards.
  • Fewer premium travel perks.

View Terms & Conditions

The Platinum Card® from American Express

AMEX PLATINUM

Fees:

  • Annual fee: $695.

APR:

  • Variable APR of 20.24% to 28.24% on eligible charges for the Pay Over Time feature.

Offer:

  • Earn up to 175,000 Membership Rewards® Points after spending $8,000 on purchases within the first 6 months.

View Terms & Conditions

AMEX PLATINUM
Features
  • 5X Membership Rewards® Points on flights booked directly with airlines or through Amex Travel and on prepaid hotels booked through Amex Travel.
  • Extensive airport lounge access through the Global Lounge Collection.
  • Annual credits: $200 for Uber Cash, $200 airline fee credit, $240 for digital entertainment, $155 Walmart+ membership credit, and $100 for Saks Fifth Avenue purchases.
  • Complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status.
  • $199 CLEAR® Plus Credit and up to $100 TSA PreCheck® or Global Entry credit every four years.
  • Comprehensive travel protections, including trip delay and cancellation insurance.
  • Access to exclusive dining reservations through Global Dining Access by Resy.
  • Pay with Points for travel, merchandise, or other purchases.
Details

The Platinum Card® from American Express is a premium rewards card tailored for frequent travelers seeking luxury benefits. Cardholders earn 5X Membership Rewards® Points on flights and prepaid hotels, with no foreign transaction fees. The card includes extensive travel perks, such as access to the Global Lounge Collection, annual credits for travel and entertainment expenses, and complimentary elite status with Hilton and Marriott. Its $695 annual fee is offset by over $1,500 in potential yearly credits, making it a top choice for those who maximize its benefits.

Pros
  • High earning rate of 5X Points on flights and hotels.
  • Extensive lounge access worldwide.
  • Generous annual credits for travel and entertainment.
  • Complimentary hotel elite statuses with Hilton and Marriott.
  • Comprehensive travel protections and concierge services.
Cons
  • High $695 annual fee.
  • Best value requires frequent use of travel and entertainment credits.
  • Limited earning potential outside travel-related purchases.

View Terms & Conditions

Wells Fargo Autograph Journey℠ Visa Signature® Card

Wells Fargo Autograph Journey℠ Visa Signature® Card

Fees:

  • Annual fee: $95.
  • No foreign transaction fees.

APR:

  • Variable APR of 20.24%, 25.24%, or 29.24% for purchases and balance transfers, based on creditworthiness.
  • APR for cash advances: 29.99%.

Offer:

  • Earn 60,000 bonus points (equivalent to $600 toward travel) after spending $4,000 on purchases in the first 3 months.

View Terms & Conditions

Wells Fargo Autograph Journey℠ Visa Signature® Card
Features
  • 5X points on hotels and 4X points on airlines.
  • 3X points on restaurants and other travel purchases.
  • 1X point on all other purchases.
  • Travel benefits include lost baggage reimbursement (up to $3,000 per trip), trip cancellation/interruption protection, and auto rental collision damage waiver.
  • No foreign transaction fees for international purchases.
  • Access to Visa Signature® concierge service and luxury hotel collection benefits.
  • Flexible redemption options: use rewards for travel, PayPal purchases, gift cards, or statement credits.
Details

The Wells Fargo Autograph Journey℠ Visa Signature® Card offers valuable rewards and travel benefits for cardholders with frequent travel and dining expenses. The card features 5X points on hotel bookings and 4X points on airline purchases, along with comprehensive travel protections such as lost baggage reimbursement and trip cancellation insurance. With no foreign transaction fees and an annual fee of $95, it also includes perks like Visa Signature® concierge service and a $50 airline purchase credit. Rewards are highly flexible, redeemable for travel, statement credits, or other options.

Pros
  • High earning potential in travel-related categories.
  • Generous travel protections and benefits.
  • No foreign transaction fees.
  • Flexible redemption options for rewards.
  • Includes a $50 annual airline purchase credit.
Cons
  • $95 annual fee.
  • Points earning limited outside travel and dining categories.

View Terms & Conditions

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Fees:

  • Annual fee: $95.
  • No foreign transaction fees.

APR:

  • Variable APR of 19.99%–29.49% on purchases.

Offer:

  • Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.

View Terms & Conditions

Capital One Venture Rewards Credit Card
Features
  • Unlimited 2X miles on all purchases and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • No foreign transaction fees, making it suitable for international travelers.
  • Flexible redemption options: miles never expire for the life of the account and can be redeemed for travel, statement credits, or cash.
  • Receive up to a $120 credit for Global Entry or TSA PreCheck® application fees.
  • Hertz® Five Star status for enhanced car rental benefits.
  • Access to exclusive experiences, such as dining reservations, concerts, and sporting events.
  • Price drop protection and other travel benefits with Capital One Travel.
Details

The Capital One Venture Rewards Credit Card is a robust travel rewards card offering unlimited 2X miles on all purchases and 5X miles on select travel bookings through Capital One Travel. With no foreign transaction fees, flexible redemption options, and a generous welcome bonus of 75,000 miles, the card is ideal for frequent travelers. Additional benefits include a $120 credit for TSA PreCheck® or Global Entry, Hertz® Five Star status, and access to exclusive experiences. The $95 annual fee is easily offset by the card’s rewards and travel perks.

Pros
  • Unlimited 2X miles on all purchases.
  • 5X miles on travel booked through Capital One Travel.
  • No foreign transaction fees.
  • Generous 75,000-mile welcome bonus.
  • Flexible redemption options with miles that never expire.
  • Global Entry/TSA PreCheck® fee credit.
Cons
  • $95 annual fee.
  • Best earning rates limited to travel bookings through Capital One Travel.

View Terms & Conditions

Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card

Fees:

  • Annual fee: $95.

APR:

  • Variable APR of 20.74%–27.74%.

Offer:

  • Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening (worth $750 when redeemed for travel through Chase Ultimate Rewards®).

View Terms & Conditions

Chase Sapphire Preferred® Credit Card
Features
  • 5X points on travel purchased through Chase Travel.
  • 3X points on dining, online groceries, and select streaming services.
  • 2X points on all other travel purchases.
  • 1X point on all other purchases.
  • $50 Annual Chase Travel Hotel Credit.
  • 25% more value for points redeemed for travel through Chase Ultimate Rewards.
  • 10% anniversary bonus points based on the total purchases from the previous year.
  • Earn 5X points on Lyft rides through March 31, 2025.
  • Complimentary DashPass subscription with DoorDash for one year.
  • Points do not expire as long as the account is open.
Details

The Chase Sapphire Preferred® Credit Card is a premium rewards card tailored for dining and travel enthusiasts. With a 60,000-point welcome bonus (worth $750 for travel through Chase Ultimate Rewards), the card offers exceptional value for frequent travelers. Cardholders earn elevated rewards rates on dining, travel, groceries, and streaming services, with 25% more value for points redeemed for travel. Additional benefits include a $50 hotel credit annually, complimentary DoorDash DashPass, and bonus points on Lyft rides. With a $95 annual fee, this card is ideal for maximizing rewards in key spending categories.

Pros
  • Generous 60,000-point welcome bonus.
  • Elevated rewards rates on travel, dining, groceries, and streaming.
  • 25% more value for points redeemed through Chase Ultimate Rewards.
  • $50 annual hotel credit through Chase Travel.
  • No expiration on points while the account remains open.
Cons
  • $95 annual fee.
  • Lower earning rates on non-bonus categories.
  • Points are most valuable when redeemed through Chase Ultimate Rewards.

View Terms & Conditions

Frequently Asked Questions
What is a travel credit card?

A travel credit card is a type of credit card that offers rewards and benefits specifically geared towards travel expenses. These can include points or miles for every dollar spent, travel insurance, airport lounge access, and no foreign transaction fees.

How do travel credit card points work?

Travel credit card points, also known as miles, are earned through spending on the card. These points can be redeemed for various travel-related expenses such as flights, hotel stays, car rentals, and sometimes even for cash back or gift cards. The value of points can vary depending on the card issuer and how you redeem them.

What are the typical benefits of a travel credit card?

Travel credit cards often come with a variety of benefits, including:

  • Earn points or miles on purchases
  • No foreign transaction fees
  • Travel insurance and trip protection
  • Access to airport lounges
  • Rental car insurance
  • Concierge services
Are there annual fees for travel credit cards?

Many travel credit cards come with annual fees, which can range from around $50 to several hundred dollars. These fees are often offset by the value of the rewards and benefits offered by the card. Some cards also offer the first year with no annual fee as an introductory offer.

What is the difference between airline miles and hotel points?

Airline miles are rewards that you can earn through spending on airline-branded credit cards, and they are typically redeemed for flights. Hotel points are earned through hotel-branded credit cards and are redeemed for hotel stays. Some general travel credit cards allow you to earn points that can be redeemed for both flights and hotel stays.

Can I use travel credit card points for non-travel expenses?

Yes, many travel credit cards allow you to redeem points for non-travel expenses such as cash back, gift cards, or merchandise. However, the value of points is often higher when redeemed for travel-related expenses.

How can I maximize my travel credit card rewards?

To maximize your travel credit card rewards:

  • Use the card for everyday purchases
  • Take advantage of sign-up bonuses
  • Use the card for travel-related expenses to earn extra points
  • Pay off your balance in full each month to avoid interest charges
  • Take advantage of special promotions and partnerships

Overview & Comparison

Here are some tips, important information, and a general overview to consider when choosing a credit card for travel.

Chase Sapphire Preferred® vs. Capital One Venture Rewards Credit Card

The Chase Sapphire Preferred® is ideal for travelers looking for flexibility, offering 5x points on travel through Chase Travel and 25% more value when redeemed via Chase Ultimate Rewards. The Capital One Venture Rewards Card, on the other hand, offers a simple 2x miles on every purchase and additional rewards when booking hotels and car rentals through Capital One Travel. Both cards have a $95 annual fee, but the Venture Rewards’ ease of use might appeal to those seeking straightforward rewards, while Chase’s higher redemption value through its portal benefits more dedicated travelers.

The Platinum Card® from American Express vs. Wells Fargo Autograph Journey℠ Visa Signature® Card

The Platinum Card® from American Express is a luxury option with a high $695 annual fee, offering 5x points on flights and prepaid hotels through Amex Travel, alongside premium perks like $200 airline fee credit and access to the Global Lounge Collection. The Wells Fargo Autograph Journey℠ Visa Signature® offers more moderate travel rewards at a lower $95 annual fee, with 5x points on hotels and additional travel perks such as trip protection and lost baggage reimbursement. Amex Platinum is perfect for frequent, premium travelers, while the Wells Fargo card is better suited to those looking for solid travel rewards without the premium price tag.

Maximizing Points with Travel Credit Cards

To maximize points, always aim to use your travel card for purchases that offer bonus rewards, like travel, dining, and hotels. Booking through your card’s dedicated travel portal, such as Chase Ultimate Rewards or Capital One Travel, often yields extra points. Additionally, take advantage of introductory offers and bonus categories, and where possible, transfer points to partner airline or hotel loyalty programs for higher redemption value on flights and hotel stays.

How to Leverage Travel Insurance and Protections with Travel Cards

Many premium travel credit cards offer a range of travel-related protections that can save you money and reduce stress. For example, cards like the Chase Sapphire Preferred® and American Express Platinum provide trip cancellation/interruption insurance, covering expenses if your trip is canceled or interrupted due to unforeseen circumstances. They often include rental car collision damage waivers, lost luggage reimbursement, and trip delay insurance. By using your card to book travel, you automatically activate these protections, providing peace of mind without buying extra insurance.

Which Travel Card is Best for International Travelers?

For frequent international travelers, selecting a card that offers no foreign transaction fees, global benefits, and travel perks is essential. Cards like the Chase Sapphire Preferred® and Capital One Venture Rewards are great choices due to their lack of foreign fees, widespread global acceptance, and earning flexibility. Many premium cards, like the American Express Platinum, also offer perks such as access to the Global Lounge Collection, which includes airport lounges worldwide, making international travel more comfortable and rewarding.

Understanding Transfer Partners and How to Use Them Effectively

Travel credit cards that allow point transfers to airline or hotel partners can unlock incredible value. Cards like the Chase Sapphire Preferred® and American Express Platinum let you transfer points to partners like United MileagePlus, Delta SkyMiles, and Marriott Bonvoy. Transferring points to frequent flyer programs can yield higher redemption values, especially for business or first-class tickets. Timing is key—monitor airline award seat availability and promotions to maximize your points’ value and score luxury travel for fewer points than direct bookings through portals.

Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

Summary

Here is a summary of

Travel Credit Cards in the USA

Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card is ideal for travelers seeking simple and flexible rewards. With no annual fee or foreign transaction fees, it’s a cost-effective option for earning unlimited 1.5 points per $1 on all purchases. New cardholders can benefit from 25,000 bonus points (redeemable for $250 in travel and dining credits) after meeting the initial spending requirement. A 0% intro APR for 15 billing cycles on purchases and balance transfers adds additional value. Members of the Bank of America Preferred Rewards® program can boost earnings significantly, making this card suitable for those who prioritize flexibility and low-cost travel rewards.

United Quest℠ Card

United Quest℠ Card

The United Quest℠ Card is ideal for frequent United Airlines travelers, offering significant value through rewards and perks. Cardholders earn up to 8x miles on United purchases, including 3x miles from the card and 5x miles as a MileagePlus member. Additional benefits include an annual $125 United purchase credit, free checked bags for the cardholder and a companion, and up to 10,000 award miles in flight credits yearly. With a generous welcome offer of 70,000 miles and 500 PQP, this card is a strong choice for those seeking travel rewards and elite status benefits, despite its $250 annual fee.

Hilton Honors American Express Card

Hilton Honors American Express Card

The Hilton Honors American Express Card is a no-annual-fee credit card designed for travelers who frequent Hilton properties. Cardholders earn 7X Points on Hilton stays, 5X Points on U.S. dining, groceries, and gas, and 3X Points on all other purchases. The card offers a limited-time welcome bonus of 100,000 Points after meeting the spending requirement, along with complimentary Hilton Honors Silver Status for enhanced travel benefits. With no foreign transaction fees and exclusive Amex benefits, this card is ideal for both domestic and international travelers who value Hilton stays.

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

The U.S. Bank Altitude® Connect Visa Signature® Card is a versatile rewards card tailored for travelers and frequent spenders. With robust earning potential, it offers 5X points on prepaid hotels and car rentals through its Rewards Center and 4X points on travel and gas station/EV charging station purchases (with a quarterly limit for gas/EV purchases). Additional benefits include complimentary Priority Pass™ airport lounge access, a TSA PreCheck®/Global Entry® fee credit, and global mobile data plans. With a $0 annual fee for the first year and a $95 fee thereafter, this card is well-suited for individuals seeking travel perks and elevated rewards.

United℠ Explorer Card

United℠ Explorer Card

The United℠ Explorer Card offers strong value for frequent United Airlines travelers. With a generous welcome bonus of 60,000 miles and 5,000 additional miles for adding an authorized user, the card provides a quick way to earn travel rewards. Cardholders benefit from earning up to 7x miles on United purchases and 2x miles on dining and hotel stays. Additional perks include free checked bags, priority boarding, and two United Club passes annually. With a $0 annual fee for the first year and a $95 fee thereafter, this card is an excellent choice for United travelers seeking additional travel benefits.

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card

The Delta SkyMiles® Blue American Express Card is a no-annual-fee card designed for occasional Delta travelers. It offers 2X Miles on Delta purchases and dining, along with 1X Mile on all other purchases. Cardholders enjoy 20% back on eligible Delta in-flight purchases and no foreign transaction fees, making it great for international use. A modest welcome offer of 10,000 Bonus Miles is available for meeting the spending threshold, and benefits such as Pay with Miles and travel protections enhance its value for travelers.

AMEX PLATINUM

The Platinum Card® from American Express

The Platinum Card® from American Express is a premium rewards card tailored for frequent travelers seeking luxury benefits. Cardholders earn 5X Membership Rewards® Points on flights and prepaid hotels, with no foreign transaction fees. The card includes extensive travel perks, such as access to the Global Lounge Collection, annual credits for travel and entertainment expenses, and complimentary elite status with Hilton and Marriott. Its $695 annual fee is offset by over $1,500 in potential yearly credits, making it a top choice for those who maximize its benefits.

Wells Fargo Autograph Journey℠ Visa Signature® Card

Wells Fargo Autograph Journey℠ Visa Signature® Card

The Wells Fargo Autograph Journey℠ Visa Signature® Card offers valuable rewards and travel benefits for cardholders with frequent travel and dining expenses. The card features 5X points on hotel bookings and 4X points on airline purchases, along with comprehensive travel protections such as lost baggage reimbursement and trip cancellation insurance. With no foreign transaction fees and an annual fee of $95, it also includes perks like Visa Signature® concierge service and a $50 airline purchase credit. Rewards are highly flexible, redeemable for travel, statement credits, or other options.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a robust travel rewards card offering unlimited 2X miles on all purchases and 5X miles on select travel bookings through Capital One Travel. With no foreign transaction fees, flexible redemption options, and a generous welcome bonus of 75,000 miles, the card is ideal for frequent travelers. Additional benefits include a $120 credit for TSA PreCheck® or Global Entry, Hertz® Five Star status, and access to exclusive experiences. The $95 annual fee is easily offset by the card’s rewards and travel perks.

Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card

The Chase Sapphire Preferred® Credit Card is a premium rewards card tailored for dining and travel enthusiasts. With a 60,000-point welcome bonus (worth $750 for travel through Chase Ultimate Rewards), the card offers exceptional value for frequent travelers. Cardholders earn elevated rewards rates on dining, travel, groceries, and streaming services, with 25% more value for points redeemed for travel. Additional benefits include a $50 hotel credit annually, complimentary DoorDash DashPass, and bonus points on Lyft rides. With a $95 annual fee, this card is ideal for maximizing rewards in key spending categories.