Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Travel credit cards are more than just tools for earning rewards; they are your gateway to smarter and more affordable travel. The best travel points credit cards can significantly reduce costs on foreign transactions, provide essential travel insurance, and cover unexpected travel expenses. For those seeking an elevated experience, premium cards offer luxury perks such as airport lounge access, complimentary elite status upgrades, and credits for expedited airport security, making every journey smoother and more enjoyable.
To assist you in selecting the perfect card, CNBC Select has conducted a thorough analysis of the top travel rewards cards across various categories to meet diverse needs. We’ve also included alternative options for those who are working on improving their credit score. (Refer to our methodology for details on how we evaluate travel credit cards.)
Best Travel Credit Cards of 2024
Best for Dining and Travel Rewards
American Express® Gold Card
On the American Express secure site
American Express Gold Card logo
CNBC Select Rating: 5.0
The American Express Gold Card stands out as a top contender for those who frequently dine out and shop at U.S. supermarkets, offering substantial Membership Rewards® points.
Spotlight: Benefit from over $400 in annual statement credits.
Credit Score: Good to Excellent (670–850)
Regular APR: See Pay Over Time APR
Annual Fee: $325
Welcome Bonus: Earn 60,000 Membership Rewards® points
See rates and fees, terms apply. Read our American Express® Gold Card review.
Our Expert Take: This card is exceptional for maximizing points on dining and U.S. supermarket purchases.
Pros & Cons:
- Pros:
- Earn over $400 annually in dining and rideshare credits (Enrollment required for select benefits).
- Exceptional rewards on eligible restaurant and U.S. supermarket purchases.
- No foreign transaction fees.
- Cons:
- Higher annual fee.
- Credits are distributed monthly or semi-annually, requiring active management.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: Earn 60,000 Membership Rewards® points after spending $6,000 on eligible purchases within the first 6 months.
- Dining Rewards: 4X points on worldwide restaurant purchases (up to $50,000 per calendar year, then 1X).
- Grocery Rewards: 4X points at U.S. supermarkets (up to $25,000 per calendar year, then 1X).
- Flight Rewards: 3X points on flights booked directly with airlines or on AmexTravel.com.
- Hotel Rewards: 2X points on prepaid hotels and other eligible purchases on AmexTravel.com.
- Everyday Spending: 1X point on all other eligible purchases.
- $120 Uber Cash: Get $10 monthly Uber Cash for U.S. Uber Eats orders or Uber rides (Amex Card must be payment method as of 11/8/2024).
- $84 Dunkin’ Credit: Up to $7 monthly statement credits at U.S. Dunkin’ locations after enrollment.
- $100 Resy Credit: Up to $100 annual statement credits for dining at U.S. Resy restaurants (enrollment required).
- $120 Dining Credit: Up to $10 monthly statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).
- Hotel Collection: Access over 1,000 upscale hotels with a $100 credit towards eligible charges for two-night bookings via AmexTravel.com.
- No Foreign Transaction Fees.
- Annual Fee: $325.
Foreign Transaction Fee: None
Who’s It For? Ideal for travelers and food enthusiasts who frequently dine out.
Standout Benefits: Annual value exceeding $400 through dining and rideshare credits, plus points transferable to numerous airline and hotel partners.
Pro Tip: Pair with an Amex bank account for enhanced financial management.
American Express High Yield Savings Account
American Express® High Yield Savings Account
Annual Percentage Yield (APY): 3.80% APY as of 12/17/2024
Minimum Balance: $0 to open
American Express National Bank is a Member FDIC. Terms apply.
American Express Gold Card logo
American Express® Rewards Checking Account
Annual Percentage Yield (APY): 1.00% APY as of 06/24/2024
Minimum Balance: $0 to open
American Express National Bank is a Member FDIC. Terms apply.
Best for Welcome Bonus
Chase Sapphire Preferred® Card
On Chase’s secure site
Chase Sapphire Preferred Card logo
CNBC Select Rating: 5.0
Known for its substantial welcome bonus and travel-centric rewards program, the Chase Sapphire Preferred® Card is a favorite among travelers.
Spotlight: Points are worth 25% more when redeemed for travel through Chase TravelSM.
Credit Score: Good to Excellent (670–850)
Regular APR: 20.49% – 27.49% variable
Annual Fee: $95
Welcome Bonus: Earn 60,000 bonus points
Terms apply. Read our Chase Sapphire Preferred® Card review.
Our Expert Take: Offers significant value for a $95 annual fee, including travel credits and comprehensive protections.
Pros & Cons:
- Pros:
- Transfer rewards to Chase’s travel partners like World of Hyatt and Southwest Rapid Rewards.
- Extensive travel and shopping protections.
- $50 annual Chase Travel hotel credit.
- Cons:
- Annual fee.
- Requires a high credit score.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months.
- Travel Rewards: 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming, and online groceries, 2x on other travel, 1x on all else.
- Redemption Bonus: 25% more value when redeeming for travel through Chase Travel℠.
- Travel Protections: Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.
- DashPass Access: Complimentary DashPass membership for at least a year when activated by Dec 31, 2027.
Balance Transfer Fee: Either $5 or 5% of the transfer amount, whichever is greater.
Who’s It For? Travelers seeking a robust rewards program and generous welcome bonus.
Standout Benefits: Up to $50 Annual Chase Travel Hotel Credit, primary rental car insurance, trip cancellation and interruption insurance, and baggage and trip delay insurance, plus a 10% anniversary points boost.
Pro Tip: Combine with a Chase bank account for streamlined finances.
Chase Sapphire Preferred Card logo
Minimum Balance to Open: $0
Free ATM Network: Over 4,700 branches and 15,000 ATMs.
JPMorgan Chase Bank, N.A. Member FDIC. Terms apply.
Chase Secure Banking Account
Minimum Balance to Open: $0
Free ATM Network: Access to 15,000 Chase ATMs and 4,700 branches.
JPMorgan Chase Bank, N.A. Member FDIC. Terms apply.
Best for Low Annual Fee
Capital One Venture Rewards Credit Card
Learn More
American Express Gold Card logo
CNBC Select Rating: 5.0
The Capital One Venture Rewards Credit Card provides flexible travel rewards with a reasonable annual fee, suitable for both beginners and frequent travelers.
Credit Score: Good to Excellent (670–850)
Regular APR: 19.99% – 29.24% variable
Annual Fee: $95
Welcome Bonus: Earn 75,000 bonus miles
Terms apply. Read our Capital One Venture Rewards Credit Card review.
Our Expert Take: A great entry-level travel card with flexible rewards and a valuable welcome offer.
Pros & Cons:
- Pros:
- Valuable welcome offer worth at least $750 in travel.
- Transfer miles to over 15 Capital One partners.
- No foreign transaction fees.
- Cons:
- Lacks ongoing travel benefits like statement credits or lounge access.
- Limited bonus spending category.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: 75,000 bonus miles after spending $4,000 within 3 months.
- Earning Rate: Unlimited 2X miles on every purchase.
- Capital One Travel Bonus: 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- Miles Expiration: Miles do not expire and have no earning limit.
- TSA PreCheck or Global Entry Credit: Up to $120 credit.
- Redemption: Reimburse any travel purchase or book via Capital One Travel.
- Lifestyle Collection: $50 experience credit and premium benefits on Lifestyle Collection hotels and rentals.
- Transfer Partners: Transfer miles to 15+ travel loyalty programs.
Balance Transfer Fee: $0 at Transfer APR, 4% of transferred balance at promotional APR.
Foreign Transaction Fee: None
Who’s It For? Valuable for those wanting straightforward rewards without category juggling.
Standout Benefits: No foreign transaction fees and up to $120 credit for Global Entry or TSA PreCheck® membership.
Best for No Annual Fee
Discover it® Miles
On Discover’s secure site
Discover it Miles Card logo
CNBC Select Rating: 5.0
The Discover it® Miles card is a rewarding option for everyday purchases, especially considering it has no annual fee.
Spotlight: Unique welcome bonus matches all miles earned in the first year.
Credit Score: Good to Excellent (670–850)
Regular APR: 18.24% – 27.24% Variable
Annual Fee: $0
Welcome Bonus: Discover will match all Miles earned at the end of your first year.
*See rates and fees, terms apply. Read our Discover it® Miles review.
Our Expert Take: Excellent no-annual-fee card with a generous introductory offer and straightforward rewards.
Pros & Cons:
- Pros:
- Generous intro-APR on purchases and balance transfers.
- Easy-to-understand rewards program.
- No annual fee.
- Cons:
- Lacks significant travel perks like lounge access.
- No bonus rewards for travel spending.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Unlimited Bonus: Mile-for-mile match for all new cardmembers in the first year.
- Earning Rate: Automatically earn unlimited 1.5x Miles on every purchase.
- No Annual Fee.
- Redemption: Redeem Miles for cash or statement credit for travel purchases.
- Intro APR: 0% intro APR for 15 months on purchases.
- Online Privacy Protection: Free service to help remove personal info from select people-search sites.
- Broad Acceptance: Discover is accepted at 99% of U.S. locations accepting credit cards.
Balance Transfer Fee: 3% intro fee, up to 5% on future transfers (see terms)*
Who’s It For? Ideal for those seeking a generous rewards program and welcome bonus without an annual fee.
Standout Benefits: Mile-for-mile match of all miles earned in the first year and no foreign transaction fees.
Pro Tip: Pair with a Discover bank account for integrated banking solutions.
Discover it Miles Card logo
Annual Percentage Yield (APY): 3.75% APY
Discover® Bank is a Member FDIC. *Click here for important disclaimers and disclosures.
Discover it Miles Card logo
Discover® Cashback Debit Checking
Rewards: 1% cash back on up to $3,000 in debit card purchases monthly.
Discover® Bank is a Member FDIC. *Click here for important disclaimers and disclosures.
Best for Fair Credit
Credit One Bank® Wander® American Express® with Dining, Gas & Travel Rewards
On Credit One’s secure site
Rewards: 10X points on hotels and car rentals via Credit One Bank travel partner; 5X points on dining, gas, and travel; 1X points on all other purchases.
Welcome Bonus: None
Annual Fee: $95
Intro APR: N/A
Regular APR: 28.99%* Variable
Balance Transfer Fee: N/A
Foreign Transaction Fee: None
Credit Needed: Fair to Good
See rates and fees. Terms apply.
Pros:
- Great return on travel purchases.
- Available for those with average credit.
Cons:
- High APR.
- No welcome bonus.
Who’s It For? Those with fair credit seeking generous rewards on travel, dining, and gas.
Standout Benefits: 10X points on hotels and rental cars booked via Credit One Bank travel site, 5X points on dining, gas, and travel, and no foreign transaction fees.
Best for Authorized User Perks
Capital One Venture X Rewards Credit Card
Learn More
American Express Gold Card logo
Learn More
Spotlight: Add up to four authorized users for free, each receiving Priority Pass lounge membership.
Credit Score: Excellent (740–850)
Regular APR: 19.99% – 29.24% variable APR
Annual Fee: $395
Welcome Bonus: Earn 75,000 bonus miles
Terms apply. Read our Capital One Venture X Rewards Credit Card review.
Our Expert Take: Premium card with numerous benefits and a lower annual fee than comparable high-end cards.
Pros & Cons:
- Pros:
- Large welcome bonus.
- No foreign transaction fees.
- Up to $120 statement credits for Global Entry or TSA PreCheck®.
- Unlimited lounge access for cardholder and two guests.
- Cons:
- High annual fee.
- No introductory 0% APR period.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: 75,000 bonus miles after spending $4,000 within 3 months.
- Annual Travel Credit: $300 annual credit for bookings through Capital One Travel.
- Anniversary Bonus: 10,000 bonus miles every year starting from the first anniversary.
- Earning Rate: 10X miles on hotels and rental cars, 5X on flights and rentals via Capital One Travel, 2X on all else.
- Lounge Access: Complimentary access to 1,300+ lounges, including Capital One Lounges and Partner Lounge Network.
- Redemption Flexibility: Miles cover travel expenses or transfer to 15+ travel loyalty programs.
- Premier Collection: $100 experience credit and premium benefits at Premier Collection hotels and rentals.
- TSA PreCheck or Global Entry Credit: Up to $120 credit.
Balance Transfer Fee: $0 at Transfer APR, 4% of transferred balance at promotional APR.
Who’s It For? Excellent for those wanting premium benefits at a more accessible price, plus free authorized user perks.
Standout Benefits: $300 Capital One Travel credit, 10,000-mile anniversary bonus, up to $120 TSA PreCheck/Global Entry credit, cell phone insurance, and airport lounge access. Terms, conditions and exclusions apply.
Best for Earning Points on Rent
Bilt Mastercard®
Rewards: Earn points on rent payments (5 uses per statement period needed to earn points): 1x on rent (up to 100,000 points/year), 3x on dining, 2x on travel, 1x on other purchases.
Welcome Bonus: None
Annual Fee: None
Intro APR: N/A
Regular APR: See Terms
Balance Transfer Fee: Up to 5% (min $5).
Foreign Transaction Fee: None
Credit Needed: Excellent/Good
See rates/fees and rewards/benefits; terms apply.
Pros:
- No annual fee.
- Solid rewards on broad spending categories.
- Pay rent with no transaction fees.
- Transfer points to leading frequent traveler programs at 1:1.
Cons:
- No welcome offer.
Who’s It For? Renters who want to earn travel rewards on rent payments without transaction fees.
Standout Benefits: Only card allowing travel rewards on rent with no fees, integrates award search engines point.me and Awayz, and BiltProtect feature avoids credit limit issues.
Best for Lounge Access
The Platinum Card® from American Express
On the American Express secure site
American Express Gold Card logo
CNBC Select Rating: 5.0
The Amex Platinum Card is renowned for its extensive airport lounge access and premium travel benefits.
Spotlight: Access Amex Centurion Lounges, Delta Sky Clubs, Lufthansa Lounges, Escape Lounges, and more. (Enrollment required)
Credit Score: Good to Excellent (670–850)
Regular APR: See Pay Over Time APR
Annual Fee: $695
Welcome Bonus: Earn 80,000 Membership Rewards® Points
See rates and fees, terms apply. Read our Amex Platinum Card review.
Our Expert Take: Premium card loaded with annual statement credits, entertainment benefits, and elite status perks.
Pros & Cons:
- Pros:
- Access to 1,400+ airport lounges, including Priority Pass™ Select and Amex Centurion lounges.
- Statement credit offers potentially worth twice the annual fee.
- Elite status perks for hotels and rental cars.
- Cons:
- High annual fee.
- Complex statement credit offers, often in increments or for specific purchases.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: 80,000 Membership Rewards® Points after spending $8,000 within 6 months.
- Flight Rewards: 5X points on flights booked directly with airlines or Amex Travel (up to $500,000 annually).
- Hotel Rewards: 5X points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Annual credit for prepaid Fine Hotels + Resorts® or The Hotel Collection bookings via Amex Travel.
- $240 Digital Entertainment Credit: Up to $20 monthly credit for Disney+, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required).
- Global Lounge Collection®: Access to 1,400+ airport lounges, including Centurion®, Delta Sky Club®, Escape Lounges, Lufthansa Lounges, Plaza Premium, Priority Pass™ Select.
- $155 Walmart+ Credit: Credit for Walmart+ membership.
- $200 Airline Fee Credit: Select airline and receive up to $200 credit for incidental fees.
- $200 Uber Cash: $15 monthly Uber Cash plus bonus $20 in December.
- $199 CLEAR® Plus Credit: Credit for CLEAR® Plus membership.
- Trusted Traveler Credit: Credit for Global Entry or TSA PreCheck® application fee.
- $100 Saks Credit: Up to $100 annual Saks Fifth Avenue credit (enrollment required).
- Global Dining Access by Resy: Exclusive reservations and dining experiences.
- Annual Fee: $695.
Balance Transfer Fee: N/A
Foreign Transaction Fee: None
Who’s It For? Road warriors seeking comfortable and luxurious travel experiences.
Standout Benefits: Unmatched airport lounge access, over $1,500 in potential annual statement credits, and automatic hotel elite status.
Best for Luxury Travel
Chase Sapphire Reserve®
On Chase’s secure site
Chase Sapphire Preferred Card logo
CNBC Select Rating: 5.0
The Chase Sapphire Reserve® is a top-tier premium card known for luxury perks and valuable travel credits.
Spotlight: Points are worth 50% more when redeemed for travel through Chase Travel℠.
Credit Score: Excellent (740–850)
Regular APR: 21.49% – 28.49% variable
Annual Fee: $550
Welcome Bonus: Earn 60,000 bonus points
Terms apply. Read our Chase Sapphire Reserve® review.
Our Expert Take: Standout premium card with luxury perks and statement credits justifying the annual fee.
Pros & Cons:
- Pros:
- Access to 1,300+ airport lounges, including Sapphire Lounge by The Club locations.
- Up to $300 in annual travel credit.
- Transfer rewards to Chase’s travel partners.
- Top-tier travel and shopping protections.
- Cons:
- High annual fee.
- Requires a high credit score.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Welcome Bonus: 60,000 bonus points after spending $4,000 within 3 months.
- Annual Travel Credit: $300 reimbursement for travel purchases annually.
- Earning Rate: 5x total points on flights and 10x on hotels/car rentals via Chase Travel℠ after $300 annual travel spend; 3x on other travel/dining; 1x on all else.
- Redemption Bonus: 50% more value when redeeming points for travel through Chase Travel℠.
- Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
- Lounge Access: Access to 1,300+ airport lounges via Priority Pass™ Select and up to $120 Global Entry, NEXUS, or TSA PreCheck® credit.
- Travel Protections: Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, and more.
Balance Transfer Fee: Either $5 or 5% of the transfer amount, whichever is greater.
Who’s It For? Frequent travelers seeking luxe perks, comprehensive travel protections, and a strong rewards program.
Standout Benefits: $300 annual travel credit, up to $120 Global Entry/TSA PreCheck/NEXUS credit, Priority Pass™ Select membership for lounge access, and generous travel and shopping protections.
Best for Bonus Categories
Wells Fargo Autograph Journey℠ Card
On Wells Fargo’s secure site
Rewards: 5X points on hotels, 4X points on airlines; 3X points on other travel and restaurants, and 1X points on other purchases.
Welcome Bonus: Earn 60,000 bonus points when you spend $4,000 in the first 3 months – $600 toward travel.
Annual Fee: $95
Intro APR: N/A
Regular APR: 20.24%, 25.24%, or 29.24% Variable APR
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5).
Foreign Transaction Fee: None
Credit Needed: Excellent/Good
See rates and fees. Terms apply.
Pros:
- Excellent rewards rate for hotel, airfare, and travel.
- Strong welcome bonus.
- Access to Wells Fargo transfer partners.
- Built-in cell phone protection.
Cons:
- Fewer transfer partners than comparable programs.
- No intro APR offer.
Who’s It For? Travelers wanting a great welcome offer, reasonable annual fee, and useful bonus spending categories.
Standout Benefits: Quick rewards accumulation for travel spending, transfer Wells Fargo points to airline and hotel partners, and a $50 annual airline statement credit.
Best for Gas
Wells Fargo Autograph℠ Card
On Well’s Fargo’s secure site
Rewards: 3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans; 1X points on other purchases.
Welcome Bonus: Earn 20,000 bonus points when you spend $1,000 in the first 3 months – $200 cash value.
Annual Fee: $0
Intro APR: 0% intro APR for 12 months on purchases.
Regular APR: 19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min: $5).
Foreign Transaction Fee: None
Credit Needed: Excellent/Good
See rates and fees, terms apply.
Pros:
- Access to Wells Fargo transfer partners.
- No annual fee.
- Excellent bonus spending categories.
- Intro-APR for purchases.
Cons:
- No travel credits or valuable travel perks.
- Lacks key travel protections like trip delay reimbursement.
Who’s It For? Road trippers seeking elevated rewards at gas stations and EV charging stations.
Standout Benefits: Intro APR, no foreign transaction fees, cell phone coverage, roadside assistance, and rental car damage/theft coverage.
Compare Credit Repair Options
Don’t Have Great Credit? Here Are Some Alternatives
Travel credit cards offer fantastic perks, but qualification is essential. These alternatives are suitable if you’re building credit or need to manage balances over time.
If You Have Bad Credit: Discover it® Secured Credit Card
Discover it® Secured Credit Card
On Discover’s secure site
Discover it Miles Card logo
CNBC Select Rating: 4.8
The Discover it® Secured Credit Card is an excellent choice for building credit while earning rewards.
Spotlight: Low minimum deposit starting at $200.
Credit Score: Limited to Fair (None–670)
Regular APR: 27.24% Variable
Annual Fee: $0
Welcome Bonus: Discover will match all cash back earned in the first year.
*See rates and fees, terms apply. Read our Discover it® Secured Credit Card review.
Our Expert Take: One of the best secured cards for earning rewards while building credit.
Pros & Cons:
- Pros:
- Unusually rewarding for a secured card.
- Unique welcome bonus matches first-year cash back.
- No annual fee.
- Cons:
- Credit limit based on security deposit.
- Bonus cash back on gas and restaurants is capped quarterly.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- No Credit Score Required: Apply without needing a credit score; No Annual Fee.
- Secured Card: Refundable security deposit starts at $200, setting your credit line.
- Credit Building: Potential to raise credit score by 30+ points.
- Automatic Reviews: Starting at 7 months, potential upgrade to unsecured credit line and deposit return.
- Rewards: 2% cash back at gas stations and restaurants (up to $1,000 quarterly), unlimited 1% on all else.
- Online Privacy Protection: Free service to remove personal info from select sites.
- Dark Web Monitoring: Free alerts if SSN found on Dark Web sites.
Balance Transfer Fee: 3% intro fee, up to 5% on future transfers (see terms)*
The Discover it Secured Credit Card is ideal for those with no or poor credit. It requires a refundable deposit starting at $200, which becomes your credit limit.
Discover automatically reviews accounts after seven months for potential transition to an unsecured line and deposit return.
It has no annual fee and offers 2% cash back at gas stations and restaurants (up to $1,000 quarterly) and 1% on all other purchases. Discover matches all cash back earned in the first year for new cardmembers. No foreign transaction fees apply.
Learn more: Discover it Secured Credit Card
If You Want to Save on Interest: First Tech Credit Union Choice Rewards World Mastercard®
Choice Rewards World Mastercard®
On First Tech Federal Credit Union’s secure site
Rewards: 2X points on groceries, gas, electronics, medical, household goods, and telecommunications; 1X points on all other purchases.
Welcome Bonus: Earn 20,000 points when you spend $3,000 in the first 60 days.
Annual Fee: $0
Intro APR: None
Regular APR: 13.50% – 18.00% variable
Balance Transfer Fee: None
Foreign Transaction Fee: None
Credit Needed: N/A
Terms apply.
Pros:
- No annual fee.
- Good rewards program for everyday purchases.
- No balance transfer fee.
- No foreign transaction fee.
Cons:
-
Balance transfer must be within 90 days of account opening.
-
Estimated rewards earned after 1 year: $344
-
Estimated rewards earned after 5 years: $1,720
Rewards totals include welcome bonus points.
The Choice Rewards World Mastercard® offers a low interest rate, beneficial for managing debt.
It also features no foreign transaction fees and World Mastercard® benefits like purchase protection and travel protections, including trip cancellation and rental car insurance.
Membership to First Tech Federal Credit Union is required but widely accessible.
The card earns 2X points on everyday categories like groceries and gas, redeemable for cash back, travel, and gift cards.
Learn more: First Tech Credit Union Choice Rewards World Mastercard®
If You’re a Student: Bank of America® Travel Rewards for Students
Bank of America® Travel Rewards for Students credit card
Rewards: Unlimited 1.5 points per $1 spent on all purchases.
Welcome Bonus: 25,000 online bonus points after spending $1,000 in the first 90 days, redeemable for $250 travel/dining credit.
Annual Fee: $0
Intro APR: 0% APR for 15 billing cycles on purchases and balance transfers (within 60 days).
Regular APR: 18.24% – 28.24% variable
Balance Transfer Fee: 3% intro fee (60 days), then 4%.
Foreign Transaction Fee: None
Credit Needed: Good/Excellent
Terms apply.
Pros:
- No annual fee.
- Strong welcome bonus.
- Intro 0% APR for 15 billing cycles.
- No foreign transaction fee.
Cons:
-
No student-centric benefits.
-
Estimated rewards earned after 1 year:$466
-
Estimated rewards earned after 5 years: $1,528
Rewards totals include welcome bonus points.
View More
The Bank of America® Travel Rewards for Students card is ideal for students studying abroad or traveling. It earns 1.5 points per dollar on all purchases and has no foreign transaction fees.
It also offers a 0% intro APR for 15 billing cycles, useful for managing expenses. Rewards can be redeemed for travel and dining statement credits.
Eligibility requires being 18+ and enrolled in college, vocational, or trade school.
Learn more: Bank of America® Travel Rewards for Students
More on Our Top Travel Credit Cards
Best Travel Credit Cards Comparison
| American Express® Gold Card | Chase Sapphire Preferred® Card | Capital One Venture Rewards Credit Card | Discover it® Miles | Credit One Bank® Wander® American Express® with Dining, Gas & Travel Rewards | Capital One Venture X Rewards Credit Card | Bilt Mastercard® | The Platinum Card® from American Express | Chase Sapphire Reserve® | Wells Fargo Autograph Journey℠ Card | Wells Fargo Autograph℠ Card | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit score requirement | Good to excellent | Good to excellent | Good to excellent | Good to excellent | Fair to good | Excellent | Good to excellent | Good to excellent | Excellent | Good to excellent | Good to excellent |
| Annual fee | $325* | $95 | $95 | $0 | $95 | $395 | $0 | $695** | $550 | $95 | $0 |
| Rewards | Flexible travel rewards | Flexible travel rewards | Flexible travel rewards | Non-transferrable miles | Non-transferrable points | Flexible travel rewards | Flexible travel rewards | Flexible travel rewards | Flexible travel rewards | Flexible travel rewards | Flexible travel rewards |
| Standout benefits | Dining credits, *Uber credits (enrollment required) | $50 Annual Chase Travel Hotel Credit; 10% anniversary points boost; Travel and purchase protections | Up to $120 credit for Global Entry or TSA PreCheck; Travel and purchase protections* | Intro APR offer | Available for lower credit scores, travel accident insurance | Travel credits, airport lounge access, anniversary bonus, trusted traveler program credits | Travel and purchase protections; Earn points on rent payments with no fee | Travel credits, Uber credits*, shopping credits*, airport lounge access, trusted traveler program credits (*enrollment required) | Travel credit, airport lounge access, trusted traveler programs credit | $50 annual airline statement credit (with $50 minimum airline purchase); Travel protections; Cell phone insurance (subject to a $25 deductible) | Intro APR offer; Access to transfer partners; Cell phone insurance (subject to a $25 deductible) |
*For rates and fees of the American Express® Gold Card, click here.
**For rates and fees of The Platinum Card® from American Express, click here.
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
American Express® Gold Card
Best for Travel Dining
Rewards:
- 4X points per dollar at restaurants worldwide, takeout and delivery in the U.S. (up to $50,000 annually, then 1X)
- 4X points per dollar at U.S. supermarkets (up to $25,000 annually, then 1X)
- 3X points per dollar on flights booked directly with airlines or on amextravel.com
- 1X point per dollar on all other purchases
Welcome Bonus: 60,000 Membership Rewards® points after spending $6,000 in 6 months.
Annual Fee: $325 (see rates and fees)
Notable Perks:
The American Express Gold Card offers over $400 in annual statement credits: up to $120 in dining credit at select restaurants (enrollment required), up to $120 in Uber Cash, up to $100 Resy credit (enrollment required), and up to $84 in Dunkin’ credit.
Eligible purchases include insurance coverages*: baggage, extended warranty, purchase protection, trip delay, and car rental loss and damage (secondary).
* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for details.
Chase Sapphire Preferred® Card
Best for Welcome Bonus
Rewards:
- 5X points per dollar on travel via Chase Travel℠
- 5X points per dollar on Lyft rides (through Mar. 31, 2025)
- 3X points per dollar on dining
- 3X points per dollar on online grocery purchases (excluding Target, Walmart, wholesale clubs)
- 3X points per dollar on select streaming services
- 2X points per dollar on all other travel
- 1X point per dollar on all other purchases
- 10% anniversary points boost
- $50 Annual Chase Travel Hotel Credit
Welcome Bonus: 60,000 bonus points after $4,000 spend in 3 months, worth $750 via Chase Travel℠.
Annual Fee: $95
Notable Perks:
The Chase Sapphire Preferred includes travel protections: primary rental car insurance, trip cancellation/interruption insurance, baggage and trip delay insurance. A 10% anniversary points boost is also included.
Cardholders receive up to $50 Annual Chase Travel Hotel Credit and complimentary DashPass membership (activate by Dec 31, 2027).
Capital One Venture Rewards Credit Card
Best for Low Annual Fee
Rewards:
- 5X miles per dollar on hotels and rental cars via Capital One Travel
- 2X miles per dollar on all other purchases
Welcome Bonus: 75,000 bonus miles after $4,000 spend in 3 months.
Annual Fee: $95
Notable Perks:
Capital One Venture Rewards cardholders get up to $120 credit for Global Entry or TSA PreCheck® membership. Other perks: extended warranty protection*, Travel Assistance Services*, Purchase Assurance*, MasterRental Insurance*, Master RoadAssist®*, and Trip Cancellation/Interruption Coverage*.
* Benefit available to World Elite Mastercard accounts, terms and exclusions apply.
Discover it® Miles
Best for No Annual Fee
Rewards:
- 1.5X miles per dollar on every purchase
Welcome Bonus: Discover matches all miles earned in the first year for new cardmembers.
Annual Fee: $0
Notable Perks:
The Discover it® Miles has no annual fee or foreign transaction fees and offers a valuable intro APR offer.
Credit One Bank® Wander® American Express® with Dining, Gas & Travel Rewards
Best for Fair Credit
Rewards:
- 10X points on hotels and rental cars via Credit One Bank travel partner site
- 5X points on eligible travel
- 5X points on dining
- 5X points on gas purchases
- 1X points on all other purchases
Welcome Bonus: None
Annual Fee: $95
Notable Perks:
The Credit One Bank Wander Card allows rewards earning with fair credit and requires no security deposit. No foreign transaction fees and travel accident insurance are included.
Capital One Venture X Rewards Credit Card
Best for Authorized User Perks
Rewards:
- 10X miles per dollar on hotels and rental cars via Capital One Travel portal
- 5X miles per dollar on flights via Capital One Travel portal
- 2X miles on all other eligible purchases
Welcome Bonus: 75,000 bonus miles after $4,000 spend in 3 months.
Annual Fee: $395
Notable Perks:
The Capital One Venture X includes a $300 annual Capital One Travel credit, 10,000 anniversary bonus miles, up to $120 TSA PreCheck/Global Entry credit, complimentary cell phone insurance, and unlimited access to Capital One Lounges and Priority Pass/Plaza Premium lounges. Free authorized user cards include lounge access.
Terms, conditions and exclusions apply. Refer to Guide to Benefits for details.
Bilt Mastercard®
Best for Earning Points on Rent
Rewards:
- Rent payments: 1X points (up to 100,000 points/year)
- Dining: 3X points per dollar
- Travel: 2X points per dollar
- Other purchases: 1X point per dollar
(5 uses per statement period needed to earn points)
Welcome Bonus: None
Annual Fee: $0 (see rates and fees)
Notable Perks:
The Bilt Mastercard features BiltProtect to avoid credit limit issues when paying rent. Mastercard Luxury Hotels & Resorts portfolio access and shopping/travel insurance perks are included.
The Platinum Card® from American Express
Best for Lounge Access
Rewards:
- 5X points per dollar on flights booked directly or via American Express Travel (up to $500,000 annually)
- 5X points per dollar on prepaid hotels booked with American Express Travel
- 1X point per dollar on all other purchases
Welcome Bonus: 80,000 points after $8,000 spend in 6 months.
Annual Fee: $695 (see rates and fees)
Notable Perks:
The Platinum Card from American Express offers numerous benefits: $200 Hotel Credit, up to $200 annual airline fee credit (enrollment required), up to $300 Equinox credit (enrollment required), up to $100 Saks Fifth Avenue credit (enrollment required), $199 CLEAR® Plus Credit, up to $240 annual digital entertainment credit (enrollment required), up to $155 annual Walmart+ statement credit, worldwide airport lounge access, up to $200 annual Uber Cash, Trusted Traveler Credit, Global Dining Access by Resy, and automatic hotel elite status. Comprehensive travel insurance* and cell phone protection* are also included.
* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for details.
Chase Sapphire Reserve®
Best for Luxury Travel
Rewards:
- Hotels and car rentals via Chase Travel℠: 10X total points per dollar*
- Lyft purchases: 10X points per dollar (through March 2025)
- Flights via Chase Travel℠: 5X total points per dollar*
- Other travel*: 3X points per dollar
- Dining: 3X points per dollar
- All other purchases: 1X point per dollar
(*After the first $300 annual travel spend)
Welcome Bonus: 60,000 bonus points after $4,000 spend in 3 months.
Annual Fee: $550
Notable Perks:
Chase Sapphire Reserve® benefits include: $300 annual travel credits, up to $120 Global Entry/TSA PreCheck/NEXUS fee credit (every four years), Luxury Hotel & Resort Collection access, Sapphire airport lounge access, Priority Pass Select membership, complimentary Lyft Pink All Access membership (activate by Dec. 31, 2024), complimentary DashPass access (activate by December 31, 2027), and comprehensive travel/purchase protections. No foreign transaction fees.
Wells Fargo Autograph Journey℠ Card
Best for Bonus Categories
Rewards:
- Hotels: 5X points
- Airlines: 4X points
- Restaurants & Other Travel: 3X points
- All other purchases: 1X points
Welcome Bonus: 60,000 points after $4,000 spend in 3 months.
Annual Fee: $95
Notable Perks:
The Wells Fargo Autograph Journey℠ Card offers a $50 annual airline statement credit (min. $50 purchase). Insurance benefits include cell phone protection, roadside dispatch, travel accident insurance, and trip cancellation/interruption protection.
Wells Fargo Autograph℠ Card
Best for Gas
Rewards:
- Travel, Restaurants, Gas Stations, Streaming, Transit, Phone Plans: 3X points
- All other purchases: 1X points
Welcome Bonus: 20,000 bonus points after $1,000 spend in 3 months.
Annual Fee: $0
Notable Perks:
The Wells Fargo Autograph℠ Card provides Visa Signature® Concierge services, Visa Signature® Luxury Hotel Collection benefits, no foreign transaction fees, cell phone protection, roadside dispatch, and rental car damage/theft coverage.
Compare Travel Insurance Companies
How to Choose a Travel Credit Card
Choosing the right travel credit card involves considering several factors to align with your travel habits and financial preferences.
Consider Annual Fee Costs
Evaluate if an annual fee is justified by the card’s benefits. Calculate if the perks outweigh the cost.
Review Your Travel Habits
Determine your travel frequency and destinations. If traveling internationally, prioritize cards with no foreign transaction fees.
Choose the Right Rewards Program
Select a card with rewards categories matching your spending habits. Compare rewards programs side-by-side and consider cards offering benefits like lounge access or TSA PreCheck/Global Entry credits.
Optimize the rewards program and ensure you can pay balances in full to avoid high interest rates.
How Travel Credit Cards Work
Travel credit cards convert purchases into travel rewards, redeemable for various travel benefits. Types include airline cards, hotel cards, and flexible travel rewards cards.
Airline Credit Cards
Airline cards earn frequent flyer miles, redeemable for flights and partner benefits. Perks may include free checked bags and priority boarding.
Hotel Credit Cards
Hotel cards earn hotel points, redeemable for free nights and elite status. Luxury versions offer statement credits and free nights.
Flexible Travel Rewards Credit Cards
Flexible cards offer diverse redemption options, including transfers to partner loyalty programs, often maximizing point value for premium travel.
How Do Travel Credit Card Rewards Programs Work?
Rewards programs offer business, no-annual-fee, mid-tier, and premium cards.
Business Travel Credit Cards
Business cards offer higher rewards on business-related spending and business service discounts.
No-Annual-Fee Travel Credit Cards
Entry-level cards with fewer benefits but no annual fee, some offering point transfers.
Mid-Tier Travel Credit Cards
Popular cards with balanced rewards, welcome bonuses, and travel/purchase protections, typically under $150 annual fee.
Premium Travel Credit Cards
High-annual-fee cards loaded with statement credits, luxury perks, and enhanced travel insurance.
How to Redeem Travel Rewards
Redemption options include gift cards, statement credits, direct travel bookings, partner transfers, and merchandise. Partner transfers often yield the highest value, especially for premium cabin flights.
What Are the Best Uses for Travel Cards?
Maximize card benefits and credits, considering annual/foreign transaction fees and APR. Redeem rewards strategically for travel, often yielding higher value. Use travel cards for travel purchases to earn bonus rewards and protections.
Other Types of Credit Cards to Consider
If travel is infrequent, consider dining, grocery, or gas rewards cards. 0% APR cards are beneficial for managing debt.
Citi Simplicity® Card
On Citi’s secure site
American Express Gold Card logo
CNBC Select Rating: 4.3
The Citi Simplicity® Card is ideal for saving on interest with long intro-APR offers.
Spotlight: 0% Intro APR for 21 months on balance transfers and 12 months on purchases.
Credit Score: Good to Excellent (670–850)
Regular APR: 18.24% – 28.99% variable
Annual Fee: $0
Welcome Bonus: None
See rates and fees. Terms apply. Read our Citi Simplicity® Card review.
Our Expert Take: Saves money through intro-APR offers, despite no rewards.
Pros & Cons:
- Pros:
- Long intro-APR for balance transfers.
- No annual fee.
- Cons:
- No rewards or welcome bonus.
More Details:
Highlights:
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- No Fees: No Late Fees, Penalty Rate, or Annual Fee.
- Intro APR: 0% for 21 months on balance transfers and 12 months on purchases.
- Balance Transfer Fee: Intro fee of 3% within 4 months, then 5%.
- Citi® Quick Lock: Enhanced account protection.
Balance Transfer Fee: Intro 3% fee within 4 months, then 5% (min $5).
Foreign Transaction Fee: 3%
Pros and Cons of a Travel Credit Card
Pros
- High-Value Rewards: Potential for higher value than cash back.
- Luxury Perks: Lounge access, elite status, statement credits.
- Large Welcome Bonuses: Substantial initial point offers.
Cons
- Complicated Redemptions: Complex loyalty programs and restrictions.
- Costly: Higher annual fees on premium cards.
- Harder to Get: Requires good to excellent credit.
FAQs
Should You Get a Travel Credit Card?
If you travel often and use cash/debit cards, a travel credit card can offer rewards and perks making travel more affordable.
Who Should Apply for a Travel Card?
Applicants should have good to excellent credit (670+). Check credit score and prequalify before applying.
What’s the Difference Between Points and Miles?
Terms are now largely interchangeable, referring to flexible or airline rewards.
How Do I Compare Credit Cards for Travel?
List desired benefits and deal-breakers. Compare cards based on these criteria.
What Travel Credits Are Easier to Redeem?
Credits applicable to a wide range of purchases, like Chase Sapphire Reserve®’s annual travel credit.
Can You Earn Travel Rewards for Business Travel?
Yes, personal rewards accounts typically receive points from business travel. Business cards offer rewards controlled by the business.
Why Trust CNBC Select?
CNBC Select provides high-quality service journalism and consumer advice, adhering to rigorous reporting and journalistic ethics.
Our Methodology
CNBC Select analyzed over 250 credit cards, comparing rewards, fees, APR, perks, and redemption ease, using consumer spending data to assess card value. Focus is on travel-centered programs and benefits.
Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
Read More
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For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Discover it® Miles, click here.
For rates and fees of the Discover it® Secured Credit Card, click here.
Information about the Bank of America® Travel Rewards for Students, has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
