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Best travel credit cards for November 2024
Travel credit cards aren’t only for jet-setters and business travelers. Whether you travel once per year or you’re rapidly checking off bucket list destinations, these rewards credit cards can lead to deep discounts on weekend trips, upcoming holiday fares, or a once-in-a-lifetime dream vacation. Here are some of the best travel credit cards available right now, whether you’re looking for no-fee everyday rewards or luxury benefits for a premium price tag.
Best travel credit cards for November 2024
- Annual fee$95
- Welcome offerEarn 75,000 miles after spending $4,000 on purchases in the first 3 months
- Card type(s)Travel
- Purchase APR19.99% - 29.74% variable
- Recommended credit scoreGood, Excellent
- Rewards rate
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles on all other purchases
- Benefits
- Receive up to a $120 statement credit for Global Entry or TSA Precheck application fees
- Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels
- Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more
Why this is the best travel credit card for beginners
For beginners to points and miles, simplicity can be key to maximizing rewards. We like the Venture card not only for its great potential value, but how easy it is to earn miles on everything at a rate of 2x per dollar. Redemption is also simple: You can redeem miles through Capital One’s travel portal or use them to cover any travel purchases you make with your card.
While ongoing benefits aren’t the most lucrative part of this card, there are some to keep in mind. You’ll get up a credit toward TSA PreCheck or Global Entry fees, elite status with Hertz rental cars, up to a $50 experience credit when you book Lifestyle Collection hotel stays through Capital One Travel, and more.
Read our full review of the Capital One Venture Rewards Credit Card
- Annual fee$395
- Welcome offerEarn 75,000 miles after spending $4,000 on purchases in the first 3 months
- Card type(s)Travel
- Purchase APR19.99% - 29.74% variable
- Recommended credit scoreExcellent
- Rewards rate
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights and vacation rentals booked through Capital One Travel
- 2x miles on all other purchases
- Benefits
- $300 annual credit for travel bookings through Capital One Travel
- 10,000 annual bonus miles (worth $100 in travel spending; starts on your first account anniversary)
- Unlimited access for you and two guests to Capital One Lounges and 1,300+ more lounges through partner networks
Why this is the best travel credit card for premium travel
The Venture X is Capital One’s more premium travel card in the Venture family — and it has a lot to offer more frequent travelers who like the simplicity of earning a flat 2x miles on every purchase.
To help recoup the higher annual fee year after year, you’ll get a $300 annual travel credit, which you can apply to travel you book through Capital One Travel. There’s also a 10,000 annual miles bonus (adding another $100 in annual value), which you’ll earn on your account anniversary. Plus, get a credit towards TSA Precheck/Global Entry fees, access to Capital One Lounges and partner airport lounge networks, up to a $120 credit when booking Premier Collection hotels in addition to the $50 credit for Lifestyle Collection hotel bookings (through Capital One Travel), and more.
Read our full review of the Capital One Venture X Rewards Credit Card
- Annual fee$550
- Welcome offerEarn 60,000 bonus points after spending $4,000 in the first 3 months
- Card type(s)Travel
- Ongoing Purchases APR21.99% - 28.99% Variable
- Recommended credit scoreExcellent
- Rewards rate
- 10x points on hotels and rental cars purchased through Chase Travel℠*
- 5x points on flights purchased through Chase Travel*
- 3x points on dining and other travel purchases
- 1x points on all other purchases
- *After the first $300 is spent on travel purchases annually
- Benefits
- Points are worth 50% more when you redeem through Chase Travel
- Earn up to $300 in annual statement credits for travel purchases
- Receive up to a $120 statement credit every four years to cover the application fee for Global Entry, TSA PreCheck, or NEXUS
Why this is the best travel credit card for flexible travel credits
One of the biggest benefits of a Chase Sapphire Reserve card over the Preferred is the $300 annual travel credit you’ll get each anniversary year. Thanks to Chase’s flexible definition of travel, you can use this credit to cover everything from flights and hotels to taxis, parking, and more.
Other benefits include airport lounge access with Priority Pass Select, credit toward TSA PreCheck or Global Entry fees, and perks when you book hotels with the Luxury Hotel & Resort Collection. You’ll also get credits, waived membership fees, boosted rewards, and more with partner brands like Instacart, DoorDash, Lyft, and Peloton.
And like the Preferred Card, you’ll get boosted redemption value for booking travel through Chase with the Sapphire Reserve. But this card earns an extra 50%, or 1.5 cents per point. For example, if you have 100,000 points in your account, you could redeem them for up to $1,500 in value via Chase Travel.
- Annual fee$95
- Welcome offerGet up to $1,050 in Chase Travel℠ value: Earn 60,000 bonus points after spending $4,000 in the first 3 months — worth $750 when redeemed through Chase Travel — plus up to $300 in statement credits on Chase Travel purchases within your first year
- Rewards rate
- 5x points on travel purchased through Chase Travel℠
- 3x points on dining, select streaming services, and online groceries
- 2x points on all other travel purchases
- 1x points on all other purchases
- Benefits
- Points are worth 25% more when you redeem for airfare, hotels, car rentals and cruises through Chase Travel
- Earn up to $50 in annual statement credits for hotel stays purchased through Chase Travel
- On every account anniversary, earn bonus points equal to 10% of your total purchases made the previous year
Why this is the best travel credit card with boosted redemptions
Chase Sapphire cards are unique because of the boosted value on travel redemptions. The Chase Sapphire Preferred offers a 25% boost on points you use to book travel through Chase, so each point is worth 1.25 cents each. In other words: 100,000 Chase Sapphire Preferred points may be worth $1,250 in Chase Travel redemptions.
Learn more: See our picks for the best Chase credit card
But that’s not all this card has to offer. In addition to great savings on both travel and everyday purchases, you’ll get an annual points bonus worth 10% of your previous year’s purchase total and $50 in annual credits for hotel stays booked through Chase Travel. Chase offers plenty of partner benefits with this card too, with discounts and bonus points from Lyft, DoorDash, Peloton, Instacart, and more.
Read our full review of the Chase Sapphire Preferred card
- Annual fee$350
- Welcome offerEarn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership
- Card type(s)Travel, Airline
- Ongoing Purchases APR20.24%-29.24% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- 3x miles on Delta purchases and purchases made directly with hotels
- 2x miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets
- 1x miles on all other eligible purchases
- Benefits
- Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. Terms apply.
- Earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required
- Check your first bag free on Delta flights
Why this is the best travel credit card for premium airline rewards
For Delta flyers, we think the Platinum SkyMiles card offers the best range of benefits and rewards for the cost. After Delta overhauled its rewards program this year, this card alone no longer grants you access to Sky Lounges, which may be a major loss for some cardmembers. But there are still plenty of premium benefits that frequent travelers can enjoy.
Each year, there’s a Medallion Qualification Dollars (MQD) Headstart to help you on your status journey, and each $20 you spend on your card is worth $1 MQD (otherwise, earn $1 MQD per $1 spent on Delta flights). You’ll also get up to $50 off the cost of your flight for every 5,000 miles you redeem when you book on delta.com, an annual companion certificate, first checked bag free, priority boarding, fee credit for TSA PreCheck or Global Entry, and more. On top of all that, we like that the Delta SkyMiles Platinum offers bonus rewards on both travel purchases and everyday spending — so you can rack up miles even when you’re not traveling.
Check out the latest offers for new and existing Delta SkyMiles cardholders
- Annual fee$0
- Welcome offerEarn 20,000 bonus miles after spending $500 within the first 3 months
- Introductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 19.74% - 29.74% APR
- Rewards rate
- 5x miles on hotels and rental cars booked through Capital One Travel
- 1.25x miles on all other purchases
- Benefits
- 0% intro APR on purchases and balance transfers for the first 15 months
- Transfer your miles to more than 15 travel partners
- Enjoy international travel without additional fees on purchases made abroad
- Annual fee$0
- Welcome offerEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back
- Introductory Purchases APR0% Intro APR on Purchases for 15 months
- Ongoing Purchases APR19.99% - 28.74% Variable
- Introductory Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
- Ongoing Balance Transfer APR19.99% - 28.74% Variable
- Rewards rate
- Enjoy 5% cash back on travel purchased through Chase Travel℠
- 3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)
- 1.5% on all other purchases
- Benefits
- You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts
- Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more
- Generous intro APR on purchases and balance transfers
- Annual fee$95
- Welcome offerEarn 90,000 points after spending $8,000 in first 3 months (that's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠)
- Rewards rate
- 3x on the first $150,000 spent each account anniversary year in the following categories: shipping purchases; advertising purchases via social media sites and search engines; internet, cable, and phone services; and travel
- 1x on all other purchases with no earning cap
- Benefits
- Redeem points for cash back, gift cards, travel and more
- Points are worth 25% more when you redeem for travel through Chase Travel
- Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
- Annual fee$325
- Welcome offerEarn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases in the first 6 months
- Card type(s)Travel, Rewards
- Ongoing Purchases APRSee Pay Over Time APR
- Recommended credit scoreExcellent/Good
- Rewards rate
- 4x Membership Rewards Points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1x)
- 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x)
- 3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com
- 2x Membership Rewards points on prepaid hotels and other eligible purchases booked on AmexTravel.com
- 1x Membership Rewards points on all other eligible purchases
- Benefits
- Earn up to $10 in statement credits each month when you pay with your American Express Gold Card at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com (enrollment required)
- Up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.com
- Up to $84 per year ($7/month) in statement credits after using your American Express Gold Card to pay at more than 9,000 U.S. Dunkin’® locations
Why this is the best travel credit card for everyday spending
With 4x points on both dining at restaurants and food you buy at supermarkets, the Amex Gold card is one of the best options today for earning rewards on everyday spending. But it’s also a lucrative travel credit card. You can earn points on airfare purchases, and your Membership Rewards points are most valuable toward travel redemptions and transfers to Amex’s 21 airline and hotel transfer partners.
Read our full review of the American Express Gold Card
On top of rewards, you can save more on everyday purchases with up to $120 in annual Uber Cash* and up to $120 in annual dining credits (also $10 per month, enrollment required). The dining credits can be used at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and now Five Guys. Additionally, earn up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.com, and up to $84 per year ($7/month) in statement credits after using your American Express Gold Card to pay at more than 9,000 Dunkin’® locations nationwide.
* Up to $10 per month; you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in the United States
Read more: See our picks for the best American Express credit cards
- Annual fee$695
- Welcome offerEarn 80,000 Membership Rewards® points after spending $8,000 in the first 6 months
- Card type(s)Travel
- Ongoing Purchases APRSee Pay Over Time APR
- Recommended credit scoreExcellent/Good
- Rewards rate
- 5x points for flights booked directly with airlines or with American Express Travel (up to $500,000 per year)
- 5x points on prepaid hotels booked with American Express Travel
- 1x points on all other purchases
- Benefits
- Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (requires a minimum two-night stay)
- Get up to $199 back per calendar year on your CLEAR Plus membership (subject to auto-renewal) when you use your card (CLEARLanes are available at 100+ airports, stadiums, and entertainment venues)
- Enjoy up to $200 in Uber savings annually on rides in the U.S. — that's $15 in Uber Cash for rides each month, plus a bonus $20 in December (you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in United States)
Why we like it: It might be among the most expensive credit cards available today, but the Platinum Card from Amex can offer major annual savings for the right cardholder. For premium travel cards like this one, it’s important to make sure the benefits and rewards offset the steep annual fee cost. If you travel often and value things like airport lounge access, priority security lines, and hotel and airline credits, it can be easy to get your money’s worth with the Platinum Card — especially when you earn rewards toward future travel. But if you only travel occasionally or you don’t already pay for the subscriptions you can get credits for, you’ll probably want to opt for a lower-cost rewards card or cash-back credit card.
Related: American Express Platinum Card review: An elite travel card with first-class benefits
- Annual fee$99
- Welcome offerEarn 50,000 bonus points after spending $1,000 on purchases within the first 90 days
- Card type(s)Airline, Travel
- Introductory APR0% intro APR on balance transfers for the first 12 months, after which the standard APR applies
- Purchase APR21.24% - 29.99% variable
- Rewards rate
- 6x points on eligible JetBlue purchases
- 2x points at restaurants and eligible grocery stores
- 1x points on all other purchases
- Benefits
- Free first checked bag for you and three travel companions on JetBlue flights
- Get 10% of your points back after you redeem them for a JetBlue award flight
- Earn 5,000 points bonus each year on your account anniversary
- Receive up to a $100 statement credit after you purchase a JetBlue Vacations package
- 50% savings on eligible inflight purchases when flying JetBlue
Why this is the best travel credit card for lower-cost airline rewards
The JetBlue Plus card beat out other airline cards with annual fees under $100 thanks to the added benefits it offers cardholders flying with the airline. We also chose this card thanks to the range that JetBlue flights cover. You may find similar deals from co-branded cards with more limited airlines (such as Hawaiian Airlines or Alaska Airlines), but we find the Plus card from JetBlue offers a solid amount of perks for a wider range of travelers.
In addition to rewards, you’ll get 10% of your points back when you use them to redeem a JetBlue flight, a $100 statement credit (one per year) when you book a JetBlue Vacations package, 5,000 bonus points each year, a free first checked bag, 50% off in-flight, and a faster path to Mosaic elite status with the airline.
- Annual fee$0
- Welcome offerEarn 20,000 bonus points after spending $1,000 within the first 3 months
- Card type(s)Rewards, Travel
- Introductory APR0% intro APR on purchases for the first 12 months, after which the standard APR applies
- Purchase APR20.24% - 29.99% variable
- Rewards rate
- 3x points on dining, travel, gas and EV stations, transit, select streaming services, and phone plans
- 1x points on all other purchases
- Benefits
- Get up to $600 of cell phone protection against damage or theft
- 0% introductory APR is useful to finance large purchases for up to a year
Why this is the best travel credit card with no annual fee
Among the few travel credit cards with no annual fee, a big reason why the Autograph Card from Wells Fargo makes our list is its wide range of rewards categories, with no limit on how many points you can earn. Because they include travel purchases, restaurants, gas, phone plans, and more, it’s easy to maximize your points while traveling and at home.
It also has one of the best welcome offers we found from no annual fee travel cards. When you’re ready to redeem your points, you can choose to book travel through Wells Fargo, redeem for statement credits to your account, pay for new purchases with eligible retailers, and more.
Read our full review of the Wells Fargo Autograph Journey Card
- Annual fee$75
- Welcome offerEarn 45,000 bonus points after spending $1,000 within the first 90 days — that's enough for up 6 free nights
- Card type(s)Hotel, Travel
- Introductory APR0% intro APR on balance transfers for the first 15 months, after which the standard APR applies
- Purchase APR20.99% - 29.99% variable
- Rewards rate
- 6x points at gas stations and Wyndham hotels
- 4x points on eligible dining and grocery store purchases
- 1x points on all other eligible purchases
- Benefits
- Automatic Wyndham Rewards Platinum status
- Earn 7,500 bonus points each account anniversary
- Earn free nights faster and redeem 10% fewer Wyndham Rewards points for Go Free® awards
- Cardmembers can access exclusive discounts on the Best Available Rate for stays at participating Hotels by Wyndham
Why this is the best travel credit card for lower-cost hotel rewards
Among the co-branded hotel cards we compared with annual fees under $100, the Wyndham Rewards Earner Plus offered the greatest combination of rewards and added benefits to help ensure travelers who stay with the brand can maximize value.
According to the issuer, the 45,000-point bonus is worth as much as 6 free nights at participating hotels (though free nights may cost up to 30,000 points). Even after the welcome bonus, you’ll get up to one free night each year with 7,500 annual bonus points. Plus, the card offers a booking discount, automatic platinum-level member benefits, and more.
Wyndham Hotels themselves may be more common than you think, too. The chain has more than 9,000 hotels across 95 countries.
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How do travel credit cards work?
Travel credit cards earn rewards for making eligible purchases. You can use these rewards on travel-related redemptions, such as flights, hotel stays, and car rentals.
Many travel cards also provide travel benefits and perks, which could include airport lounge access, annual travel or airline credit, and elite status with an airline or hotel loyalty program.
Is a travel card worth it?
Travel credit cards are worth it if you get enough value from the card’s benefits and rewards to outweigh any potential costs, such as an annual fee. They might not be worth it if you don’t travel enough to take advantage of card benefits and rewards.
However, you don’t have to be a frequent traveler to use a travel credit card. Traveling enough for a card to be worth it for you could mean traveling once or twice a year, maybe less.
Types of travel credit cards
When you’re comparing travel credit cards, it can be useful to separate them into two distinct types: general travel rewards cards and co-branded airline and hotel credit cards.
Think about your specific travel preferences to decide which type is best for you:
General travel rewards cards
With a general travel credit card, you’ll earn points or miles on eligible purchases, which you can put toward a number of flexible redemption options. General travel credit cards include cards like the following:
Many of these travel card issuers have their own travel portals, like Chase Travel or American Express Membership Rewards. You can use these to book flights, hotels, rental cars, and more. They may also have a number of travel partners, to which you can directly transfer points or miles. For example, American Express Membership Rewards points transfer to Delta SkyMiles at a rate of 1:1.
The flexibility of general travel cards means you can travel with any number of different airlines or hotel brands and get the best bang for your buck. Each time you’re ready to book, simply shop around between the portal or partners and compare the best options for your specific travel plans.
These credit cards also allow other redemption options, such as statement credits, gift cards, and cash back. But you’ll generally get the best value by redeeming points or miles for travel.
Airline and hotel credit cards
Airline and hotel credit cards are typically co-branded between the card issuer and the airline or hotel chain. Here are a few examples:
These cards are best suited for travelers who prefer to fly with a specific airline or stay at a certain hotel chain. Maybe you live near a hub airport, frequent a destination where a specific airline offers the most direct flight options, or you enjoy the perks of a specific hotel’s loyalty program.
Instead of flexible rewards points or miles, you’ll earn points or miles within the airline or hotel rewards program, like Marriott Bonvoy points or American Airlines AAdvantage miles — and get a boosted rewards rate when you spend directly with the airline or hotel. These cards often offer a faster path to elite status tiers within these programs.
The added benefits of co-branded cards are designed to appeal to loyal airline or hotel customers. For example, your airline card may get you priority boarding, upgrades, free checked bags, and in-flight discounts. And your hotel card may offer early check-in or late checkout, annual free night awards, and on-site credits.
Co-branded travel cards aren’t for everyone, but they can add a lot to your travel experience if you have a strong airline or hotel preference.
Check out our complete list of the best hotel credit cards
How to choose the best travel credit card
Here are a few key details to look for in any new travel credit card:
1. Annual fee
No matter your budget, there’s a travel credit card with an annual fee that fits. You can find solid no annual fee options, like the Discover it® Miles general travel card or Hilton Honors American Express co-branded card. But there’s also The Platinum Card from American Express, which may set you back $695 per year (see rates and fees) but comes with an abundance of valuable benefits and perks that can potentially give you even more value back each year.
The most important thing to keep in mind when deciding whether an annual fee is worth it for you is whether you can get enough out of the rewards and benefits to outweigh the cost — without spending more than you otherwise would or can afford.
2. Sign-up bonus
For new cardholders, a sign-up bonus can offer major first-year value. These bonuses may be worth anything from 10,000 to 100,000 bonus points or miles — which can translate to hundreds of dollars in rewards value.
However, you should compare the terms of the bonus to your own budget before you apply. For example, you may need to spend $4,000 within the first three months of opening your card before you can earn the 60,000 bonus points. If that’s not within your typical spending, be careful not to take on debt to meet the spending threshold. Accruing high interest on balances can quickly outpace even the best bonus.
One smart strategy is opening a new travel credit card when you’re booking a trip you’ve been saving for. You may already be prepared to spend more than usual, which can help you reach the bonus requirement faster. Plus, you can earn rewards on those travel purchases to put toward future trips.
Read more: See our picks for the best credit card sign-up bonuses
3. Rewards
Rewards are one of the biggest reasons for many people to open a travel credit card.
Earning rewards with travel cards often works in one of two ways. You’ll either earn rewards on your everyday spending (groceries, gas stations, restaurants) to redeem toward future travel, or earn rewards on your travel spending to put toward future travel.
Some cards offer a combination of these rewards, but knowing which type of spender you are can be useful. If your monthly budget is largely dedicated to everyday spending, you may get more value from the former. But if you travel frequently and spend a lot of money on flights, hotels, and rental cars, you can quickly rack up more points with travel-based rewards categories.
4. Travel perks and benefits
Many travel rewards credit cards — especially the most premium cards with high annual fees — really shine when it comes to added perks and benefits. These benefits can help you offset the annual fee and save money each time you travel.
Take the $395 annual fee Capital One Venture X Rewards Credit Card, for example. Each year, you’ll get a $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles (equal to $100 towards travel) on your account anniversary. Already, that’s enough to wipe out the annual cost — before accounting for any rewards and other benefits (like up to $120 in fee credits toward TSA PreCheck or Global Entry and Priority Pass Select airport lounge membership).
Just remember: Choose a card with benefits that help you save on purchases you would still have made otherwise. If you tend to arrive shortly before takeoff and don’t care about airport lounge access, you won’t actually get the $200 potential value from that benefit.
5. Travel insurance and protections
One unique aspect of travel credit cards is the protections you can get as a cardholder when you travel. Common protections offered by travel credit cards include trip cancellation and interruption insurance, car rental insurance, trip delay reimbursement, baggage delay insurance, access to emergency assistance services, and more.
As long as you pay for your travel expenses with the card (booking flights, hotels, tours, etc.) you can qualify for these travel protection benefits. Like any coverage, though, you should make sure to read the fine print of what your individual card offers. These benefits can vary greatly between different travel cards, so make sure to look for details in your card agreement.
More travel credit card tips
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Earn up to 185,000 points with these new Marriott Bonvoy credit card bonuses
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Travel credit cards frequently asked questions (FAQs)
Should I get a travel credit card?
Travel rewards credit cards can make a great addition to your wallet, even if you only travel a few times per year. Be sure to compare different travel card options to find the combination of annual fee, rewards, benefits, and sign-up bonus that works best for your travel plans and spending.
There may be a few reasons why a travel credit card isn’t right for you, though:
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You’re already in credit card debt. Avoid adding another card — especially one with a potentially high annual fee — to your wallet if you already have high-interest debt. Eliminating those balances will help you save a lot more in interest than any value travel rewards could offer.
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You don’t want to keep up with a rewards strategy. Travel credit cards can be most lucrative if you maximize how you earn and redeem rewards. If you don’t want to spend the time strategizing bonus categories and the best redemption options, a credit card with a simpler rewards structure may be better for you.
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You don’t have great credit. Travel credit cards generally require a good-to-excellent credit score to qualify for approval. If your credit isn’t in a great place right now, focus on improving your score before you apply for a new card.
If you are ready to open a travel credit card, time your application wisely. The spending thresholds to earn your welcome bonus can be high, so you may want to plan your application around your next trip. The money you’ve already saved can help you score the bonus when you book your travel, and you’ll also earn bonus points or miles for your next trip.
Which credit card is best for travel?
If you're new to travel credit cards, the Capital One Venture Rewards card is a great place to start — you can earn 2x miles on everything, and it's easy to redeem your miles through Capital One's travel portal.
Which card is better for international travel?
When traveling abroad, look for credit cards that don't charge foreign transaction fees. One of our top picks for cards that don't charge a foreign transaction fee is the Capital One SavorOne Cash Rewards Credit Card.
Related: How to use your credit card for international travel
Which travel credit card is most elite?
For a premium travel experience, the Capital One Venture X Rewards is our top pick.
Read our full review of the Capital One Venture X Rewards Credit Card.
Our methodology
To begin our search for the best travel credit cards, we evaluated more than 70 credit cards currently available from major issuers. Each of these cards is marketed as a travel card and earns rewards in the form of points or miles.
Our scoring system involves evaluating each card based on a number of details we believe are important to cardholders looking for travel rewards credit cards. We begin with some general credit card details that we look for across every card type, such as annual fee, APR, welcome offer, card security, issuer transparency, and more. Specifically for travel credit cards, we also looked at factors like rewards, redemption options, welcome offer, and added benefits and perks.
Once each card was given a score, we again evaluated the highest-scoring overall cards for the superlatives included on our list (best no annual fee travel card, best premium travel card, etc.).
We filtered criteria for individual superlatives to find the best card among our already high-scoring options. For example, our pick for the best beginner travel card was chosen for its high score while excluding any co-branded airline or hotel cards and any cards with annual fees over $100. We believe beginner travel card users often look for simple cards that can help them maximize rewards without a high cost or needing to strategize — and we wanted our top options to reflect that.
We used a similar strategy for our co-branded card picks, too. We understand that any airline and hotel credit cards will be highly subjective depending on any users’ preferred travel brands. That being said, the cards that made our list are the highest-scoring cards based on our overall travel card criteria and from wide-reaching travel brands. If an airline, for example, did not have ample coverage throughout the United States, we gave preference to a co-branded card with a broader range of service.
While we strive to keep our rankings objective, we also know that different cards may be better suited for different types of travelers, budgets, spending habits, and more. Before you apply for any new card, make sure you compare multiple options from different issuers to decide the best combination of fees, rewards, benefits, and overall value that works for you.
This article was edited by Rebecca McCracken
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