Because there are so many options available, choosing the best travel credit card can be difficult. There are a tonne of choices, and surprisingly many of them are similar to one another. Which one suits you the best? how did you find out? Which one gives you the greatest rewards? Are the expenses justified? Which gives you the best rewards?
Anyone unfamiliar with the credit card industry may find selecting a credit card to be very challenging and stressful.
I must, however, clarify that there is no “best card.” The best travel credit card is the one that best satisfies your travel goals.
Are receiving freebies, avoiding fees, or maintaining brand loyalty important to you?
Do you merely want a charge-free credit card to use at that Brazilian restaurant, or do you want to take advantage of the bonus and rewards programmes to earn free flights?
Do you value having elite status above all others? Do you want points that can be redeemed for any kind of payment?
You draw cards that correspond to your goal. List of 10 Best Travel Credit Cards.
Obviously, the airline and hotel cards you select will depend on which ones you use the most. For instance, I prefer the brands Marriott and Delta, so I have cards from both of those companies.
For those general points credit cards, some are notably better than others. If you don’t have any specific goals in mind and are just looking for some credit cards you can use every day, here is a list of what I consider to be the best travel credit cards, their features, and when and why you should have them.
Chase Sapphire Reserve
Obviously, the airline and hotel cards you select will depend on which ones you use the most. I have cards from Marriott, for instance, and this travel credit card is the gold standard in my book. The card has a high fee ($550), but there are so many advantages that I think it’s worth the money. This card is the one I use the most. When you apply for the card, you will receive:
You’ll get a 60,000 welcome offer once you spend $4,000 in purchases in the first three months.
$300 in travel credits per year
5% more points when you travel.
Dining earns three points (10x when you used the Chase portal)
10x points are awarded when renting through Chase for hotels.
1 point for each dollar spent elsewhere.
transfer points to a variety of travel brands (I use this feature the most)
$100 in statement credits for TSA PreCheck or Global Entry applications
To the Priority Pass lounge without charge (a super awesome perk)
Foreign transaction fees are not present.
Free DoorDash deliveries, 10x Lyft points, and a $120 Peloton credit
After deducting the $300 travel credit, your actual yearly payment is $250. You really benefit from the card because you get three times the value on dining out and travel when you combine it with the other perks (which is where I spend the majority of my money). the savings from DoorDash and access to the lounge? This is a fantastic card and my all-time favourite. List of 10 Best Travel Credit Cards.
Chase Sapphire Preferred
Comparable to the “starter” version of the previous card is this one. If you’re set on not having to pay a high annual fee (this card only costs $95 per year), even though there are fewer benefits, you can’t go wrong with this card. It’s excellent for those who don’t travel frequently (this is the card I got my mother). When you sign for this card, you’ll get:
After spending $4,000 in the first three months, you’ll receive 60,000 bonus points as a welcome bonus.
3x points on airline tickets, supermarket purchases, restaurant meals, and streaming services
On all other purchases, receive one point per dollar spent.
When booking travel with Chase Ultimate Rewards, you get 25% more value.
Free DoorDash, 5x Lyft points, and no fees for international transactions
It’s a clear-cut, basic credit card. List of 10 Best Travel Credit Cards.
American Express Preferred
The low fees on this Amex card make it my favourite because of the bonus points and 3x points at supermarkets. I make use of it every time I buy groceries because it’s a great way to accrue Amex points. benefits when you apply for this card, including:
After you spend $1,000 during the first three months, you’ll receive 15,000 bonus points.
When you use your card 30 or more times during a billing cycle, you’ll receive 50% more points.
three times as many points (up to $6,000 annually) at supermarkets
2x points at US gas stations, plus 0.5 points for every dollar spent over that
It is simple, annually costs $95 and is a quick way to accumulate points. List of 10 Best Travel Credit Cards.
Capital One Venture
This card has become one of my favourites as a result of the most recent changes and the inclusion of transfer partners. I firmly believe you should get this card if you want one with a waived first-year fee that is also easy to use. benefits when you apply for this card, including:
You’ll get 75,000 bonus miles after spending $4,000 in the first three months.
unlimited two times the miles for every dollar spent
Send miles to any of their more than 15 travel partners.
Maximum $100 credit for Global Entry or TSA PreCheck
For international transactions, there are no fees.
First year is free; yearly renewals are $95
You should keep this card in your wallet and keep in mind that the first year is free. When they relaunched it, I bought one because I thought it was fantastic. List of 10 Best Travel Credit Cards.
Capital One Venture X
This is Capital One’s first premium travel credit card. It offers a $1,000 welcome bonus in addition to all the advantages of a premium credit card. The advantages of requesting this card include:
- When you spend $10,000 in the first six months on purchases (equal to $1,000 in travel), you’ll receive 100,000 bonus miles.
- With hotel and rental car reservations made through Capital One Travel, earn unlimited 10x miles.
- On flights booked through Capital One Travel, earn unlimited 5x miles.
- 2x miles on all additional purchases
- $100 credit for TSA PreCheck® or Global Entry Priority Pass lounge access
- starting on your first anniversary, you’ll receive 10,000 bonus miles, worth $100 toward travel.
It’s not a cheap card—it costs $395—but if you travel frequently, the benefits far outweigh the cost. List of 10 Best Travel Credit Cards.
Chase Freedom Unlimited
If you want to continue earning Chase points rather than Amex points or if you want to earn more cashback, this card is the best choice. Cashback points give you more flexibility than regular points do, and it’s clear-cut and easy to use. While cashback is preferable for some people, like my dad, who doesn’t fly frequently, points are preferred for frequent travellers like myself. He actually does have this card. benefits when you apply for this card, including:
- No yearly fee
- once you spend $500 in purchases within three months, you’ll receive $200 in cash back.
- Shop at the grocery store and get 5% cash back.
- Purchases of travel through Chase Ultimate Rewards earn 5% cash back.
- 1.5% cash back on everything else and 3% cash back on dining
This card is for you if, like my father, you’re looking for a no-fee card that offers cashback.
Airline and Hotel Cards
What about hotel and airline credit cards? Get the card for the airline and/or hotel you frequently use because it offers free checked bags, priority boarding, and a few other advantages. I rarely use them for daily purchases since Chase or American Express provide a better return on every dollar spent.
I always get the cards as part of the bonus deal and keep them for the advantages. The majority of fees are simple business expenses because they only cost $95 yearly.
Here are a few of my favourite hotel and airline business cards, along with a list of their main advantages:
Marriott Bonvoy Boundless:
After making $3,000 in purchases within the first three months of opening your account, you can earn 3 complimentary nights (each night valued at up to 50,000 points) through Marriott Bonvoy Boundless. All other purchases earn double points, Silver Elite status earns two times as many points, and Marriott purchases can earn up to seventeen times more points.
CitiBusiness/AAdvantage Platinum Select:
65,000-point The welcome package includes priority boarding, a free checked bag after spending $4,000 in the first four months, and 25% off all in-flight American Airlines purchases.
Southwest Rapid Rewards Plus offers no blackout dates, a 75,000-point welcome bonus after spending $5,000 within the first three months, double points on all purchases made with Southwest, double points on local and public transportation (including ridesharing), and annual anniversary points of 3,000.
Hilton Honors American Express: You will receive 100,000 Hilton Honors Bonus Points after spending $1,000 in the first three months, $100 in statement credits on authorised purchases within the first year, and 5x Hilton Honors Bonus Points for each dollar spent on authorised purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. There are laws.
United Explorer: 50,000 points (after spending $3,000 in the first three months, plus another 10,000 miles after spending $6,000 in the first six months), twice as many points on dining purchases made through United, a free checked bag, and priority boarding (terms apply).
The World of Hyatt: You’ll receive a 30,000-point welcome offer after spending $3,000 in the first three months, up to 9x points on purchases made at Hyatt, one free stay per year, and 2x points at restaurants.
IHG Rewards Club Premier: After spending $3,000 within the first three months, you can get a welcome offer of 150,000 points, up to 25x points on IHG purchases, 2x points on gas, and credit for Global Entry or TSA.
90,000-point Delta SkyMiles® Platinum American Express® Card Obtain a free checked bag, credit for TSA Precheck or Global Entry, and welcome offer after making three purchases totaling $3,000 through Delta in your first three months. There are laws.
The following advantages are provided by using the Delta SkyMiles® Gold Business American Express Card: after spending $2,000 within the first three months with your new Card, you will receive 50,000 Bonus Miles; Priority Boarding, Free Checked Bags, and 2x Points on Delta Purchases. There are laws.
American Express Delta SkyMiles® Gold Card: Welcome offer of 70,000 points: After spending $2,000 in the first three months, you’ll receive 2x points on all purchases made through Delta, at restaurants worldwide, including takeout and delivery in the US, and at US supermarkets.
American Express Delta SkyMiles® Reserve Card: You will receive 500,000 bonus miles after spending $5,000 in your first three months, 10,000 Medallion(R) Qualification Miles (MQMs), 3x points on Delta purchases, access to lounges, and a free checked bag. There are laws.
Remember that there are various cards for various occasions. Because each card has benefits, you should match and stick to your spending to maximise your point earning. I use three to four cards in total for all of my purchases. For eating out and travelling, Chase, American Express, Delta, and Marriott are my go-to credit cards. I always get the most points for every dollar you spend as long as I don’t distribute them too widely.