• Best Overall
  • Best for No-Annual-Fee

Best for Independent Hotel Purchases

  • Best for Beginners
  • Best for Everyday Spending
  • Best for Students
  • Best Premium Travel Card for Affordability
  • Best for Dining and Groceries
  • Best for Travel Insurance
  • Best for Luxury Travel Benefits
  • Why You Should Trust Us

Best Travel Credit Cards of June 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Wells Fargo Autograph Journey℠ Visa® Card, Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.

  • Best overall travel credit card : Chase Sapphire Preferred® Card
  • Best travel credit card for beginners : Capital One Venture Rewards Credit Card
  • Best no-annual-fee travel credit card : Capital One VentureOne Rewards Credit Card ( rates and fees )
  • Best for spending at hotels : Wells Fargo Autograph Journey℠ Visa® Card
  • Best for travel rewards on everyday spending : Citi Strata Premier℠ Card
  • Best travel card for students : Bank of America® Travel Rewards Credit Card for Students
  • Most affordable premium travel credit card : Capital One Venture X Rewards Credit Card
  • Best travel credit card for earning travel credit on dining and groceries : American Express® Gold Card
  • Best premium card for travel bonus categories : Chase Sapphire Reserve®
  • Best for luxury travel benefits and airport lounge access : The Platinum Card® from American Express

Introduction to Travel Credit Cards

Whether you're just dipping your toe into the world of rewards credit cards or you've already flown thousands of miles on points alone, we can tell you: There's a travel credit card for everyone. There's a card if you're looking for free flights, if you're hoping for free hotel stays, or if you're just doing whatever it takes to realize your dream of an overwater bungalow. There are even no-annual-fee travel credit cards that won't cost you anything to keep.

Compare the Top Travel Credit Cards

Chase Chase Sapphire Preferred® Card

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 60,000 bonus points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
  • con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Capital One Capital One VentureOne Rewards Credit Card

Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.

0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn 20,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Versatile rewards
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 1.25 miles per dollar on all purchases with no bonus categories to track
  • con icon Two crossed lines that form an 'X'. Lower earning rate than some other no-annual-fee rewards cards
  • con icon Two crossed lines that form an 'X'. Limited benefits

The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Wells Fargo Wells Fargo Autograph Journey℠ Visa® Card

Earn unlimited 5x points per dollar on hotels. Earn 4x points on airlines. Earn 3x points on other travel and dining. Earn 1x on other purchases.

21.24%, 26.24%, or 29.99% Variable

Earn 60,000 bonus rewards points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation and lost baggage protection
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Airline and hotel transfer partners available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Welcome bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous cellphone protection
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low annual fee
  • con icon Two crossed lines that form an 'X'. Transfer partner network not as diverse or robust as competitors

The Wells Fargo Autograph Journey℠ Visa® Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's newly announced Points Transfer program allows cardholders to juice maximum value from every point they earn.

Capital One Capital One Venture Rewards Credit Card

Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.

19.99% - 29.99% variable

Earn 75,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes up to a $100 statement credit for Global Entry or TSA PreCheck
  • con icon Two crossed lines that form an 'X'. Other credit cards offer higher rewards in certain categories of spending

If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

Citi Citi Strata Premier℠ Card

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

21.24% - 29.24% variable

Earn 75,000 bonus points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual hotel credit on a single stay of $500 or more
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay/interruption benefits and lost/damaged baggage coverage
  • con icon Two crossed lines that form an 'X'. Has an annual fee
  • con icon Two crossed lines that form an 'X'. Citi Travel rates often are higher than retail cost of travel

Bank of America Bank of America® Travel Rewards Credit Card for Students

Earn unlimited 1.5 points per dollar on purchases.

  • 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

17.99% - 27.99% Variable

25,000 online bonus points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus for a student credit card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns flexible points you can use toward a wide variety of travel purchases
  • con icon Two crossed lines that form an 'X'. Other travel rewards cards have higher earning rates
  • con icon Two crossed lines that form an 'X'. Few travel-related benefits compared to other travel cards

A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.

  • The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
  • 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
  • Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
  • No annual fee or foreign transaction fees

Capital One Capital One Venture X Rewards Credit Card

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

Earn 75,000 bonus miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
  • con icon Two crossed lines that form an 'X'. High annual fee
  • con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

American Express American Express® Gold Card

Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

See Pay Over Time APR

Earn 60,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at US supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee
  • con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Chase Chase Sapphire Reserve®

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
  • con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

American Express The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Earn 80,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
  • con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
  • con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.

Best Travel Credit Card Recommendations

The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.

Best Travel Credit Card Overall

The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees. 

The Chase Sapphire Preferred® Card stands out for its travel protection benefits. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.

You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal. 

The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.

Chase Ultimate Rewards® points are some of the easiest points to use in various ways. You can redeem them for travel directly through the Chase Travel Portal for a 25% boost in value, where 1 point will be worth 1.25 cents apiece. You can also transfer your points to Chase's airline and hotel transfer partners , which include United Airlines, Hyatt, Marriott, and many other airlines and hotel chains around the world. Cardholders can also use points for statement credits, gift cards, merchandise, and more.  

What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus

What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry

Read more: Chase Sapphire Preferred® Card card review

Best No-Annual-Fee Card for Earning Travel Miles

The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card ( rates and fees ), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.

New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening (worth at least $340 in travel according to Business Insider's valuations). While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you ( rates and fees ).

You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance***, travel accident insurance***, and purchase assurance***. This is also a solid pick if you're looking for a zero-interest credit card  with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ).

What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer

What the experts don't love: Few travel benefits, lower earning rate

Read more: Capital One VentureOne Rewards Credit Card review

The newly announced Wells Fargo Autograph Journey℠ Visa® Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain. 

This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card , and the Capital One Venture Rewards Credit Card . In exchange, cardholders earn at least 3x on dining and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.

Wells Fargo simultaneously announced brand-new airline and hotel partners: Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Visa® Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any of the travel partners above for additional value.

The Wells Fargo Autograph Journey℠ Visa® Card will be available for in-person applications at select Wells Fargo bank locations on March 9, 2024. Nationwide applications open online and in person on March 20, 2024. 

Read more: Wells Fargo Autograph Journey credit card review

Best Travel Credit Card for Beginners

The Capital One Venture Rewards Credit Card is a great "set it and forget it" card, in the sense that you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2x miles on all other purchases.

The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem rewards for travel: you're able to use your miles to cover recent travel purchases from your card statement, at a rate of 1 cent per mile. 

You also have the option to transfer Capital One miles *** to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners. 

The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles with the different frequent flyer program options. But the upside is that you can always use your miles to cover your travel purchases. You also get up to a $100 Global Entry/TSA PreCheck application fee credit.

What the experts love:  The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.

What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.

Read more: Capital One Venture Rewards Credit Card review

Best Travel Rewards on Everyday Spending

The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.

Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.

While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners , including JetBlue, Singapore Airlines, and Wyndham.

What the experts love:  Strong rewards earning in useful everyday categories, access to Citi's transfer partners

What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards

Read more: Citi Strata Premier℠ Card review

Best Travel Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.

There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time. 

The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.

However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.

What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning

What the experts don't love: No flashy extra perks or shopping benefits

Read more: Bank of America® Travel Rewards Credit Card for Students review

Most Affordable Premium Travel Credit Card

The Capital One Venture X Rewards Credit Card was unveiled in late 2021 and offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles .

The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee ( rates and fees ). For context, the Venture X's annual fee, while high, is significantly lower than other premium travel card competitors.

Capital One Venture X Rewards Credit Card cardholders receive $300 per year in credits toward travel booked through Capital One, Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles , you can transfer rewards to over a dozen airline and hotel partners to book award travel, or use miles to book through the Capital One Travel Portal .

What the experts love:  Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access.

What the experts don't love:  The $300 travel credit is more restrictive than other cards' — it only applies to travel booked through Capital One.

Read more: Capital One Venture X Rewards Credit Card review

Best for Earning Travel Credit from Dining and Groceries

The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4x Amex Membership Rewards points on these purchases (though note the $25,000 calendar year annual cap for U.S. supermarkets; after that, you'll earn just 1 point per dollar, but that's a pretty high cap). The card also earns 3x points on flights booked directly with the airlines or through AmexTravel.com, and 1 point per dollar on everything else.

While the $250 annual fee is on the high side, you can offset it thanks to an annual statement credit. You can get up to $120 in annual dining credits**, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services, including Grubhub, Seamless, Milk Bar, Wine.com, and Goldbelly, and participating Shake Shack locations.

You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year (this is only applicable to U.S. Eats orders and rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

What the experts love: "4x points on restaurants and at U.S. supermarkets (on up to $25,000 per year, then 1x) is great — usually, a card favors one or the other," says Rathner. Plus, the card offers monthly dining credits.

What the experts don't love: Wilson notes that other cards offer similar benefits for a lower annual fee, and Rathner notes that the card's travel and dining credits come with some important limitations — so read the fine print. 

Read more: American Express® Gold Card review

Best Premium Card for Travel Insurance and Bonus Categories

The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody, but if you're serious about maximizing your rewards and you travel frequently, it could be worth it. It offers a bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network , which has more than 1,300 locations worldwide.

New benefits also include access to Chase Sapphire lounges in JFK , LaGuardia , Boston , and Hong Kong, as well as the Chase Sapphire Terrace at Austin Airport . You'll also receive benefits with DoorDash  and Instacart that can save you money on delivery (activation required).

The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required). 

When it comes to redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.

Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.

The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people. 

What the experts love:  Earns 3x points on travel and dining purchases made outside of Chase Travel Portal, annual $300 travel credit, points are worth 1.5 cents apiece for travel booked through Chase

What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while.

Read more: Chase Sapphire Reserve® review

Best for Luxury Travel Benefits and Airport Lounge Access

The Platinum Card® from American Express has one of the highest rewards card annual fees —  $695 — but it can still be well worth it if you can put all of its statement credits and generous welcome bonus offer to use.

You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of an Amex Offer ** for bonus points or cash back).

The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership**, you get access to Amex Centurion Lounges , Delta Sky Clubs (when you're flying Delta), and more. 

The card's annual statement credits can go a long way toward offsetting the high annual fee. You get up to $200 in statement credits toward airline incidental fees** like checked bags and inflight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases**; and up to $200 in annual Uber credits (including Uber Eats)**. 

Just keep in mind that you're limited to one designated airline you choose each year in your Amex account for the airline incidental fee credit, and both the Saks and Uber credits are divided into portions. You'll get up to $50 in statement credits toward Saks purchases from January to June, and another credit of up to $50 for Saks purchases from July to December.

With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month.

What the experts love:  Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks

What the experts don't love: This card's $695 annual fee, and minimal bonus categories

Read more: The Platinum Card® from American Express review

How to Choose the Best Travel Credit Card

While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.

In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights. 

In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:

  • Amex Membership Rewards
  • Chase Ultimate Rewards
  • Citi ThankYou Rewards
  • Capital One miles

You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.

Travel Credit Card Frequently Asked Questions

If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.

The best travel credit card overall is the Chase Sapphire Preferred® Card, but the best card for your particular situation will depend on what benefits you care about the most, as well as how you feel about paying a high annual fee. 

We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.

There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points.

Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program; you don't have the option to redeem your rewards with a wide variety of travel partners (or if you do, the transfer ratio usually isn't great).

To pick the right travel credit card for you, you'll want to evaluate its welcome bonus offer, ease of use, benefits, and annual fee. The best one for you will ideally have a combination of an attractive sign-up bonus , lots of options for earning and redeeming rewards, benefits that save you money, and a low or no annual fee.

Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card , make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.

Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel . The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points. 

A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate. 

Why You Should Trust Us: How We Chose the Best Travel Credit Cards

Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:

  • Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
  • Ongoing rewards — How many points or miles do you earn on your purchases?
  • Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
  • Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
  • Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?

Read our guide to how we rate credit cards for a closer look at our methodology.

inspire travel card reviews

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

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Reviews 4.5.

1,202 total

Most recent

Great company.. booking a break was simple

Paul was fantastic he was very helpful and found me a great deal.. booking a break was simple over the phone ideal if you aren't good online.

Date of experience : 15 November 2022

Refused to refund me for checked luggage I had to pay for after THEIR booking error!!!

Booked a trip away with 1 23kg luggage included. Got to the airport and was told I didn’t have any luggage included in my booking - despite showing evidence. I had to pay £75 - already a bad start to my birthday trip suddenly out of pocket. I called and emailed inspire to let them know and they said keep the receipt and they will reimburse me. They also must have realised their error and made sure luggage was included in the return. I get back to the UK and contact inspire sending proof to get a refund for my £75 due to THEIR error. Instead they replied telling me to make a complaint via POST!? i just wanted my money back for their error. Absolute crooks and so disappointed after years of using you.

Date of experience : 07 September 2022

We booked our holiday via Inspire and…

We booked our holiday via Inspire and Keith helped all the way. It was easy to chat to him, he checked and gave us all information about hotel. He also explained cancellation terms and changing dates/places very clearly. He is polite and supportive! Overall was great experience!

Date of experience : 11 November 2022

Julie Was so so patient & accommodating to our needs. Very helpful really great costumer service Thankyou

Date of experience : 12 November 2022

Julie went above and beyond for my son…

Julie went above and beyond for my son and I. She was lovely to talk to and did everything she could to get us our desired holiday. My son has special needs and I needed pacific flights, she sorted everything out for us nothing was to much trouble for her, something that I thought wasn’t possible was made possible because of Julie. Thank you so much and when I next take a holiday I will definitely be using this company again.

Date of experience : 07 November 2022

So I booked a get away with my family…

So I booked a get away with my family and disabled child to France in August for a few nights and it was done through Inspire as I had a voucher and could only spend it with their company or their recommended sites? I made the booking for the hotel and breakfast for 5 people here in the uk and payed separate for travel. Once on arrival in France the recommended paperwork was not supplied to them and they refused to offer breakfast if I did not pay upfront for breakfast on check in? I had no choice but to pay another £120 just so that we get breakfast for the duration of my stay? Mind you altogether I payed over £200 now as I already made payment back in the uk for breakfast too. I tried to speak to the manager in France and eventually I did get through to him and he refused to pay me a refund as he said I need to take it up with inspire. As soon as I got back I did however make a complaint and I also forwarded copies of receipts over the fact that I have paid extra for breakfast again. Now after all this time I’ve got an email back from inspire telling me that they could not help me further with my complaint and that they have to follow the Abta rule of complaint which does not make sense to me? And they are closing my case now as there is nothing else they can do about it? And it is now November and all this time I was waiting for a good outcome and instead I get told nothing else can be done? and I am very upset and disgusted by the way this has been handled and that i paid double for breakfast here in the UK as well as in France, only now to be told there is nothing that they can do further for me. I find it ghastly and extremely upsetting that this sort of complaint has been handled in such a manner and the least they could’ve done or I expected was at least give me a refund of the payment that was made here but even that was not offered to me?? They basically gave me no choice and now telling me this case is closed? What kind of complaint handling is this? giving customers no choice? And ending it the way they did making customers feel crap? Never use this company? I for sure will never use them again. Just had a response from inspire saying Adele is dealing with this complaint? But please can I rephrase it as Adele was dealing with this and can no longer help me further. So in my case I have payed double for brekky and there is no one who can help me?? It is now jan 2023 and I still have not heard back from anyone yet?? Would you believe it’s disgusting … still have not had any response and it now july 2023.

Date of experience : 27 August 2022

Reply from Inspire

Good Morning, I have re-opened your query with the supplier and will investigate this again. Thank you for the opportunity to look into your feedback and try to resolve this for you. Kind Regards, Michela-After Sales and Customer Service Manager

Paul at Travel by Inspire (PWTFF1)

Paul’s knowledge and friendly nature was brilliant and made the whole booking experience enjoyable. Paul had some great knowledge and even made some recommendations! It really felt like he couldn’t do enough to help. Thank you Paul! (Ref: PWTFF1). Kind regards, Andrew.

Date of experience : 03 November 2022

Thank you Andrew for your great feedback I will be sure to pass this, Inspire will look forward to dealing with you in the future Regards Jennie

Amazing Paul Warrington is a asset to…

Amazing Paul Warrington is a asset to inspire such good advice and help couldn't fault him amazing 5* thanks

Thank you for your positive feedback on Paul I will pass it on to him, We will look forward to assist you in the future Regards Jennie

Paul was patient with me

Paul took his time to look for flights for me. He was patient and gave me good deals.

Date of experience : 02 November 2022

Thank you for your feed back on how Paul handled your reservation I will pass this onto him, Inspire will look forward to supporting you in the future Regards Jennie

Very helpful as if was my first time…

Very helpful as if was my first time booking holiday over the phone

Date of experience : 01 November 2022

Thank you for giving your time to complete a review we will look forward to supporting you throughout your booking with us Regards Jennie

Julie showed exceptional Customer Service with booking process.was absolutely brilliant as I was…

Julie was absolutely brilliant as I was booking a hotel in Edinburgh for over New Year. I was booking it with £10 travel cards, and I had 62 to use to almost pay for hotel booking. This was a long process, but Julie was patient, understanding and really friendly, this made the process much more bearable. The outcome was a complete success and we have a lovely short break in Edinburgh to look forward to over Hogmanay weekend. Julie made this process easy and is a credit to your customer service team, 100% recommend Julie whenever contacting Inspire. Exceptional Service, so much appreciated by David Jones

Date of experience : 28 October 2022

Thank you Mr Jones for your fantastic feedback on Julie I will ensure this is passed on to her. Wish you a lovely break over Hogmanay and be sure we are here you assist you in the future Regards Jennie

Paul was excellent customer service

Paul was excellent customer service, he is an asset to your company. He made my booking easy with a friendly service. Thank you Paul for your excellent service you offered me.

Great feedback for Paul thank you for taking your time to complete this and I will ensure this is passed on Regards Jennie

Was very friendly and helpful also went…

Was very friendly and helpful also went out of his way to get the perfect holiday for my sons needs

Date of experience : 27 October 2022

Thank you for your feedback, its great to hear we found the perfect holiday for your son and his needs , if there is anything else we can support you with please don't hesitate to contact us Regards Jennie

amazing service

amazing service, very friendly and managed to book it all very quickly, thanks

Thank you for taking time to write a review about the positive service with Inspire , we will look forward to dealing with you in the future Regards Jennie

Great service

Paul was extremely professional And made booking easy Thanks Paul

Date of experience : 26 October 2022

Thank you for your feedback in regards to Pauls service I will pass on your thanks Regards Jennie

First time holiday booker

I was feeling a bit nervous about booking our little Legoland holiday after receiving our Family Fund grant but Paul (PWTFF1) put me at ease straight away with his local knowledge and helpful and friendly manner. He helped us save money and ensure we got the best value. He also explained all the hotel details and made me feel like me and my family were in safe hands. Everything was really easy and straightforward and we’re looking forward to our little getaway next year! Thank you very much :)

Thank you for this lovely feedback and taking the time to write the review. Its fantastic to hear how comfortable and put at easy you was with making this booking I will ensure to pass on your feedback. If there is anything else we can support you with please don't hesitate to contact the team. Regards Jennie

If I could give 0 I would

If I could give 0 I would, the prices shown on the website has a £100 more than booking directly with the providers listed on their website flights and hotel to bordeaux is £192 and they are asking for £303. How does that even make sense? Also to bear in mind they are non refundable.

Date of experience : 25 October 2022

Firstly, thank you for your feedback Our travel team, and website, are committed to offering our customers the best prices when booking their breaks. As an agent we are only able to book through suppliers we have contractual agreements with. You are also provided with an after sales service should you experience any problems whilst you are away. We do book with a number of Tour Operators and these are always checked in the first instance to try and offer the most competitive prices, if you would like to consider making a future booking with one of our approved travel partners then our travel team will be happy to give you suitable alternatives. Kind Regards, Inspire

An absolute disgrace of a company.

If I could give negative stars I would. They redefine the parameters of incompetence. On 30th September my partner rang to book a lodge stay, stating the correct dates to the agent who confirmed them back to her. The agent then went away for a few minutes and returned having decided to change the dates to complete other ones and going ahead with the booking. Once we realised the mistake we rang to advise Inspire who proceeded to be the least helpful people on the planet. They firstly went away to listen to the call, which took an entire day. Then, once listening to the call and hearing that we had indeed stated the correct dates have decided that it was still our fault. So the solution they came up with was to split the cost 50/50 for an entire new booking because in their words, “your original booking is a complete loss”. Where is the logic in this? This is not a split the different of cost between the old and new booking, it is that they are claiming if we want to go on holiday we will lose the entirety of the money paid for the first holiday, and then want 50% towards a new booking on top of this. Every person we have spoken to has been very little help. We have been refused to be allowed to speak directly with the manager making decisions, and been told to write a letter to ask for a copy of the call recording, not that this will change the fact they’re incompetent and thieving. This has caused so much unnecessary stress due to a mistake Inspire have made. We have lost £100s and aren’t even going away. Do not use this company.

Date of experience : 24 October 2022

Thank you so much to Paul for helping…

Thank you so much to Paul for helping me book a short break away for myself and family. He was so helpful and we had a lovely wee chat. Can't wait for our trip away to Edinburgh! Thanks, Diane. PWTFF1

Date of experience : 19 October 2022

Thank you for your feedback on how Paul dealt with your booking hope you have a lovely trip to Edinburgh I will pass on your thanks Regards Jennie

Julie was very polite and helpful

Julie was very polite and helpful, she stayed long after her shift to ensure we got our holiday booked to match another party booking externally to ensure we got same hotel and flights. Thank you, appreciate your time and expertise.

Thank you for you great feedback on Julie I will pass your gratitude onto her, look forward to dealing with you in the future Regards Jennie

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Reviews 4.5.

1,202 total

Most relevant

Excellent customer service

Paul was friendly and polite, took time to check everything I was looking for included in my package and sent confirmation shorty after the call. Thank you.

Date of experience : 03 June 2024

Reply from Inspire

Hi Nataija thank you for Pauls review I will pass this onto him he will be pleased with your lovely comments thanks Team Inspire

Julie was very helpful,she did…

Julie was very helpful,she did everything in her powers to find me the best for our holidays,she took the stress away from me worrying about getting a flight ,and I'm so happy she found this for us ,what a lovely person she is

Date of experience : 31 May 2024

Hi Melanie, this feedback for Julie is fabulous I'm so glad she made the booking process as stress free as possible and that your happy with your flight booking thanks for taking the time to complete this Team Inspire

Rip off £500 gift voucher

DO NOT TRANSFER YOUR GIFT VOUCHER HERE Had a £500 gift voucher, went onto the jet2 site, and thought you could add a voucher code at the end, OH NO!! You have to book it through them, which is double the jet2 price (for a jet2 holiday) with half of the things taken off. Total rip off. This gift voucher is pointless. And I did wonder when it said tick to understand that you can't change your mind,, why would you want to change your mind? Now I understand. I wonder what the FCA and Ombudsman will think to this practice 🤔

Date of experience : 19 May 2024

Hi Michelle, I am so sorry you have felt the need to write this review. However we are most certainly not double the price of jet 2. You have to book with Inspire as its an Inspire voucher but if you e mail [email protected] with the information you have found and we can happily look at the quote for you.

Guy cut the call

I don't know who they've hired recently, but the guy on the phone was not nice. 2 weeks ago I spoke with him and he said he will email me with potentials. Never received an email, I called back a day or so later and spoke with the lady who I've dealt with previously, she stayed on the phone and we looked at different locations etc. The voucher is just impossible to use on stays you want, it's taken us over 9 months to find a suitable, 4/5 star looking place. Not dealing with a nice person, who actually just cut the call when I said I need to go over booking with my husband, just cut the call. Disgusting and so LONG to use their voucher, they have limitations and its just weird.

Date of experience : 02 May 2024

Good afternoon Ram, 1st of all I am saddened to hear that you did not receive an email with some quotes and that your call cut off so please accept my apologies and I will look into the matter. We want to work with you to find the most suitable booking if you could please email me at [email protected] with your requirements and we will do out best to find a suitable booking for you kindest regards Inspire Team

Julie Newsam is a Star

The website for booking is not accepting payments in euro gift cards and I called customer service. Julie Newsam was an absolute star: patient, helpful, personable, professional. She is fantastic! She made the whole experience bright and easy-breezy!

Date of experience : 01 June 2024

wow Robert thank you very much for this amazing review for Julie she is a star your right I'm so glad you got the Julie experience 😊

I’m writing this about the actual…

I’m writing this about the actual voucher not the company. If you do get or asked if you want a travel card say no. Have the cash instead because you can go directly to the company (jet2 etc etc) and get your holiday hundreds of pounds less.

Date of experience : 08 May 2024

Hi thank you for your comments, The information is just simply not true, We are always super competitive and we would be more than happy to take a look at this holiday for you before you book , Please feel free to message us.

Paul is the "Go-to Guy"

Paul was so helpful finding me the perfect getaway, he had personal experience and gave me some tips. He seemed to genuinely care about making the most if my experience, hugely recommend!

Date of experience : 30 May 2024

Hi Natasha, thank you so much for your 5 star review for Paul I am so glad to hear he has managed to book your perfect getaway I hope you have an amazing time 😊

Was looking for a uk caravan holiday

Was looking for a uk caravan holiday. I rang Inspire holidays and spoke to a gentleman called Paul. He was very helpful and understood all the needs that was necessary to make this holiday perfect. A big thankyou to Paul ( PWTBTMN1) for taking the time to listen as I didn't feel rushed whilst making decisions.

Date of experience : 14 May 2024

Hi Kristen, Thank you so much for taking the time to complete this amazing feedback Paul is a great listener and understands the importance of booking the most suitable holidays for our customers your feedback is much appreciated hope you have a wonderful time 😊😊

I’ve just booked a break using a Kidney Care UK voucher for my father. It’s the first time I’ve had to go through Inspire, so I was a little anxious. I spoke to Julie who was absolutely wonderful! She found us a lovely accommodation for our dates and made the process so smooth. Excellent service from Inspire and particularly Julie. Thank you

Date of experience : 15 May 2024

Thank you Angela so much for this amazing feedback for Julie we are so pleased that you found the booking process smoothly run and that Julie offered an exceptional service for you. When making a new booking it is understandable it can be a little bit daunting however we are so grateful for your feedback we hope you have an amazing break 😊

Majorca Holiday

Julie was very helpful with my booking to Majorca, she also gave me lots of tips of where to visit as she's been herself several times. A real character as opposed to someone just "doing their job"! I sensed that Julie has a real passion for the job. Make sure you ask for JULIE!!!

Date of experience : 16 May 2024

Hi Ryan thank you so much for this amazing review for Julie, she has so much passion and knowledge especially for Majorca she has a real soft spot for the Island. She also has an abundance shoes in every colour you can buy from their 😊 She is a true character indeed thanks again

Many Thanks to Paul Warrington for…

Many Thanks to Paul Warrington for showing great resilience when booking my holiday. He made the booking a breeze.

Hi Dominic , we really thank you for your 5 star review for Paul he will be really pleased with your comments

Absolutely outrageous service received…

Absolutely outrageous service received at first. I needed to book a last minute hotel at the airport due to a family emergency and was met with such hostility by the lady who answered the phone. I’ve never known anybody so rude, she couldn’t care less and told me nothing she could do I’d have needed to call before 15:00 and it was now 16:30. Speaking to me like I should have known this and like I was an inconvenience to her. She asked is that ok, I said not really no I really need to stay at the airport and she put the phone down on me. Absolutely vile, I hope somebody doesn’t treat you the same when you’re in need. I then called back, explained to a gentleman the same thing and low and behind he sorted it out for me. He was much more helpful, it took him a total of 5 minutes to help me out and wasn’t rude about it either. I didn’t catch a name but thank you, I am really grateful.

Friendly and considerate booking

Keith, ref: KL1, made the whole process nice and easy to book this break away with his kind and considerate attitude. I found the whole experience very pain free and am now looking forward to a break away with my girls! Thank you

Date of experience : 21 May 2024

Hi Isabel , Thanks for your lovely comments on Keith. He is meticulous with his clients and leaves no stone un turned. Pain free is the way we like it, Hope you and the girls make lots of precious memories.

Great Experience

Had such a lovely experience with Donna over the phone, she was able to resolved our queries and sort some new accommodation immediately! Ref DH1

Date of experience : 27 May 2024

Hi Rach, This is wonderful thank you, Donna has been with Inspire many many years and we are very lucky to have her on board.

Highly recommended!

This is the first time I have had holiday vouchers so have never dealt with Inspire before. The whole experience was made very easy as Keith explained everything extremely well and was very efficient. They are only a phone call away should I need any more advice and I highly recommend them.

Date of experience : 10 May 2024

Hi Valerie - This is wonderful to read , Keith has been with us at Inspire for many years so really knows his stuff. It made me so happy that you found him to be so efficient . Thank you , Keith will be delighted.

Inflated Pricing and terrible customer service

I rang and spoke to an agent today telling him I found a return flight which included 2 checked in bags for £967 directly on the airlines website. The agent told me the same flight through inspire was over £1200! when I asked why it was cheaper on the airlines website and why I should book through Inspire, he said there were no benefits and some people just preferred to book through agents. He didn't really care and just said to go direct to the airlines. Inspire inflated the price by nearly £300! This is outrageous and the customer service was appalling! Would never recommend!

Date of experience : 22 April 2024

Hi Olusegun, I understand one of my agents is looking at this for you as I type and we can in fact always try to match what you have found on the direct sites But please do take into account all taxes and fees that are applied. we are governed by the prices of the airline, However you are referring to us matching the price you were quoted last year, Which of course what the airlines charge from one year to the next is totally out of our control.

Found Inspire difficult to book with…

Found Inspire difficult to book with online, so called customer service and they were amazing. Guy named Paul was so very helpful and sorted everything

Date of experience : 20 May 2024

Hi Angela - ahh we are glad you called in - speaking to a human is so much better and we love to get to know our clients - Paul will love this - Thank you again

I had a problem booking in online but a…

I had a problem booking in online but a quick email to Paul Warrington (PWTBTMN1) and problem sorted. Paul did it for me and sent boarding passes through within minutes. Great service.

Hi Julie, I am delighted Paul could help, Thank you for your review. We pride ourselves on great service.

I unfortunately have a very complex…

I unfortunately have a very complex little girl with numerous medical issues, she was diagnosed at 5 months old and since then we have been too scared to fly, in fear she won’t have what she needs on the flight/ abroad. Ellie in special assistance has dealt with all of our worries promptly and left us with no reservations for our first family holiday. Incredible communication, kind and compassionate. A true credit to the company. Thank you Ellie for everything you’ve done for us!

Date of experience : 01 May 2024

Megan, Thank you so much for taking the time to comment. I can't imagine how daunting this must be for you to fly with your little girl and as a Mum myself I would too be nervous. It may surprise you that just over 12 months ago Ellie was new to the world of travel and has passed her apprenticeship with a distinction and we are super proud of her and the way in which she cares and empathises with our lovely families. Your comments have been shared to Ellie and the team and honestly we cannot thank you enough. I hope your holiday is everything you all dream of and more and we would love if you share some holiday pics of you all making memories in the sunshine - Thank you again with lots of love and happy holiday wishes The Inspire team x

Thankyou to Haylee Jennie Ellie and…

Thankyou to Haylee Jennie Ellie and anyone else who have dealt with me the past 12 months at inspire!! You all have the patients of saints I have made so many changes asked so many questions and each time you have been so accommodating polite and helpful so Thankyou so much ! I had never heard of inspire travel before I used them for my trip but would most definitely use them again lovely bunch of ladies thanks so much

Kirsty - I LOVE THIS REVIEW !! Thank you what a pleasure to read about our lovely team - They are a real good bunch and Im so glad you have had the FULL Inspire treatment - Have the most amazing time and we look forward to welcoming you back to team Inspire in the future x

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Paul was really helpful in enabling the…

Paul was really helpful in enabling the best deal possible with our flexible dates. He was also obliging in dealing with our large number of small denomination vouchers. 5🌟

Date of experience : June 12, 2024

Reply from Inspire

Brilliant review thanks Aiden he most certainly is 5 star we really appreciate you completing the review , really pleased to hear he got the the best deal possible and with the dates which fit best for you thanks again 😊

Highly recommend

Paul Warrington was so so helpful. Couldn't have asked for a nicer person. Highly recommend PWTBTMN1

Date of experience : June 15, 2024

Added an extra person on to the booking…

Added an extra person on to the booking last minute. Dealt with a very friendly member of the team called Haylee. Haylee went above and beyond to sort this out at short notice and was a pleasure to deal with

Date of experience : June 13, 2024

Hi Lee , thank you so much for Haylee's 5 star feedback I'm really please we managed to amend your booking at short notice and add the additional passenger to your booking hope you have a fantastic time 😊

Booking experience was very easy

Booking experience was very easy. Ben was very helpful. Lets hope it all goes smoothly come October! Will update then.

Thanks Gemma for Ben's 5 star review great to hear this was a smooth booking experience thank you

I can highly recommend Inspire Travel

I can highly recommend Inspire Travel, in particular, Julie Newsam who provided a top rate service helping me to book a short break in Madrid. Julie was so helpful..and efficient and was able to guide me to the best hotel based on her own travel experience. Thanks so much Julie.. I’ll certainly be pointing friends and family in your direction ! X

Date of experience : June 07, 2024

Amazing feedback Michelle thank you so much Julie will be really pleased to hear about the review and the rating you have given her, Julie is a keen traveller and has a lot of personal knowledge around Spain and the Balearics thanks again 😊

Just booked my holiday with voucher…

Just booked my holiday with voucher from family fund. PWTBTMN1 Was really helpful with my booking and finding some information for me! Cant wait Togo

Date of experience : June 10, 2024

Hi Chloe , thank you for your review and your booking I do hope you have an amazing holiday

Julie was super helpful to find a great…

Julie was super helpful to find a great holiday for my wife and me, being very patient working around my availability during a work day! Really looking forward to experiencing the hotel recommended

Date of experience : May 10, 2024

Paul ( PWTBTMN1) was incredible

Paul ( PWTBTMN1) was incredible . Iv never booked a holiday abroad so I had no idea what I was wanting or anything . Paul put me at ease told me all options as well as giving me his personal recommendation to help our holiday go smoothly . So thank you Paul you are a star . I will be booking with you in future :) miss c dooler

Date of experience : June 03, 2024

Amazing feedback Claire thank you so much Paul is a star and always goes above and beyond on each and every call I hope you have a wonderful holiday

PWTBTMN1 Thank you so much for helping me book mine and my son’s holiday today Paul! You made me feel at ease and confident about where we are going, polite and friendly made the whole booking experience so much easier! Appreciate it!

Date of experience : June 05, 2024

Hi Stacey thank you for your lovely feedback for Paul its such a pleasure to read he put you at ease and helped book an amazing holiday for you and your son

Absolutely awful customer service

Absolutely awful customer service. Needed to cancel/amend a single night hotel stay in London due to a family member being rushed into hospital. Hotel said it was fine to do and no charge but the change had to come from Inspire. inspire showed no compassion and insisted on wanting to charge an admin. All that despite their email confirmation stating it was free to change or cancel a booking by a certain date. Emailed their MD and she likes to be clever and wind people up with her responses so you can see why the service is like it is.

Date of experience : May 21, 2024

Hi Mr Andrews. I am so sorry you felt like this. I can now see we have resolved this matter for you, I do hope the family member is soon better and I am truly sorry for any inconvenience.

Lovely friendly agent PWTBTMN1 who was…

Lovely friendly agent PWTBTMN1 who was extremely helpful and informative.

Thank you Leanne for Pauls feedback we really appreciate you taking the time to complete this many thanks Team Inspire

Above and beyond customer service.

Above and beyond customer service. Paul did his utmost to locate an attraction I wanted to book. To save me hanging on, he took my number and called me back. You don't get this sort of service anymore and it needs to be applauded. Thank you. Ref: PWTBTMN1

Date of experience : June 06, 2024

Hi Dan, thank you so much for this amazing 5 star review for Paul he will be so pleased to see this feedback, Paul always goes above and beyond and it is so lovely to hear this in his review I will ensure he is applauded thank you so much again 😊

Total rip off just book yourself

The agents were helpful and friendly however we only used inspire because we were given a voucher for Christmas. They added a huge fee and are a complete rip off for what we could have booked ourselves 80£ cheaper

Date of experience : May 24, 2024

Hi Mike. Your post made me so sad because we are extremely competitive, Please e mail us at [email protected] and we will take a look for you.

Nice and easy

Keith (KL1) was very helpful and answered all our questions politely. Price was very competitive and the booking process was very smooth and easy.

Hi Rebecca, thank you so much for Keith's 5 star review such a pleasure to hear that it was a very smooth booking process and we do pride ourselves on being very competitive with our prices thank you again 😊

Last minute booking and the agent Paul…

Last minute booking and the agent Paul was so helpful and accommodating. Took all the hassle away from me, really appreciate it. Thank you 😊 Reference - PWTBTMN1

Thanks Jemma for your 5 star review glad to hear Paul was so helpful and made your booking hassle free 😊

I spoke to 3 people when booking our…

I spoke to 3 people when booking our holiday, all 3 people were super friendly & helpful, nothing was too much trouble. I'd happily use Inspire again in a heartbeat x

Date of experience : May 15, 2024

Thank you Samantha for your great feedback for our team its great to hear you had the same level of service through your journey this is amazing thank you so much

Paul was very efficient

Paul was very efficient, friendly and extremely helpful. The whole booking process with Paul was easy and very straight forward. The confirmation email was in my inbox immediately after making my booking.

Date of experience : June 01, 2024

Thanks Ann for your invaluable feedback for Paul , I will ensure this is passed onto him , he is very efficient and helpful and glad to hear this has come across in your review thanks again

Went above and beyond!

Went too book online and needed some help with my booking. got put through to coral who was very helpful and actually managed to get me some money off my trip by checking her various platforms. unfortunately we couldn't process the holiday as the system went down so i was told that Julie would book it the following morning. however i got a call from Julie at 18:50 after she had got home and went above and beyond to help me get my trip booked! she very helpful and a true lady! Couldn't thank them enough for their help!

Hi Sonny - ahh lovely words - Thank you, This will mean the world to Julie who is often helping out in her own time - she really does love her job - We wish you the happiest of holidays.

The agent was very helpful

While the web experience was not the best one (difficult to process the booking online), your agent was very helpful, looking for the best solution for my needs, fast and very friendly.

Hi Claudia , thank you for your feedback on our website I will ensure this is passed onto the relevant parties for their review , I am really pleased to hear that the agent helped make your booking and that it was booked to meet your personal needs

Holiday using Family Fund voucher

Holiday using Family Fund voucher I booked our trip through Paul. This was the first package holiday that I had booked for many decades so I did have quite a few questions. Paul explained everything to me very clearly and I found him to be very friendly and quick to get back to me with the required details. He is handling the booking of transfers and special assistance for my disabled child and that takes a weight off my own shoulders. Let's hope the holiday which is booked for the autumn is a big success!

Date of experience : May 09, 2024

Hi Lenka , thank you for completing this feedback for Paul I will ensure this is passed onto him, Paul is very efficient and knowledgeable in making bookings for disabled families and we are so glad this has made your booking much smoother and lifted some additional weight off arranging some assisted travel for you. We hope you have a wonderful trip thanks Again team Inspire

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Best travel credit cards of June 2024

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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

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Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

  • Best starter travel card:  Chase Sapphire Preferred® Card
  • Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
  • Best for luxury travel:  The Platinum Card® from American Express
  • Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
  • Best for foodies:  American Express® Gold Card
  • Best for everyday spending: Citi Strata Premier℠ Card
  • Best for intro APR:  Bank of America® Travel Rewards credit card
  • Best for point values:  Chase Sapphire Reserve®
  • Best for practical perks:  Capital One Venture X Rewards Credit Card
  • Best for pairing:  Chase Freedom Unlimited®
  • Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
  • Best no-annual-fee hotel card:  Hilton Honors American Express Card
  • Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
  • Best for transfer partners:  Bilt Mastercard®
  • Best for gas:  Wells Fargo Autograph℠ Card
  • Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
  • Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
  • Best for savers: Bank of America® Premium Rewards® credit card
  • Best for first-year value:  Discover it® Miles
  • Best for fair credit:  Credit One Bank Wander® Card
  • What to know about travel credit cards
  • Tips for choosing the best travel card

Travel credit card perks

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Best starter travel card

Image of Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Regular APR

21.49% - 28.49% Variable

  • 5x 5x on travel purchased through Chase Travel℠.
  • 3x 3x on dining, select streaming services and online groceries.
  • 2x 2x on all other travel purchases.
  • 1x 1x on all other purchases.

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

  • You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
  • The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
  • Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
  • The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for flat-rate rewards

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

  • Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
  • Zero foreign transaction fees make this an excellent choice for international travelers.
  • You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
  • The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

  • Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
  • A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
  • The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
  • Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best for no annual fee

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

  • The welcome offer is generous for a no-annual-fee travel credit card.
  • Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
  • Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
  • Capital One has no major U.S. carrier in its line-up of travel partners.
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

Image of American Express® Gold Card

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

  • This card features one of the best rewards return rates available on dining, groceries and food deliveries.
  • There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
  • Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
  • Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Best for everyday spending

Image of Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

21.24% - 29.24% (Variable)

  • 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

  • It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
  • Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
  • The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
  • Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best for intro APR

Image of Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

  • 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

  • Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
  • No annual fees or foreign transaction fees sweeten this offer.
  • It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
  • The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

  • You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
  • Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
  • The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
  • You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

  • Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
  • Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
  • To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
  • Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Image of Chase Freedom Unlimited®

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.

20.49% - 29.24% Variable

  • 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

  • You can pool rewards with other Chase cards to maximize your earnings.
  • The additional rewards rate offer can add even more cash back to your pocket for the first year.
  • The welcome offer isn’t as competitive as other cards’ offers.
  • Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Image of Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

  • 5X Earn unlimited 5X points on hotels
  • 4X Earn unlimited 4X points on airlines
  • 3X Earn unlimited 3X points on other travel and restaurants
  • 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

  • You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
  • The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
  • Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
  • The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Image of Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 70,000 points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

  • 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

  • Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
  • Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
  • A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
  • You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.

Best for luxury hotel perks

Image of Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
  • 3X 3X points at restaurants worldwide and on flights booked directly with airlines
  • 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

  • Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
  • It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
  • Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
  • Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.

Best for transfer partners

Image of Bilt Mastercard®

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

  • 3X Points 3x points on dining
  • 2X Points 2x points on travel
  • 1X Points 1x points on other purchases
  • 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

  • It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
  • Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
  • You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
  • There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
  • $0 Annual Fee.
  • Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 2x points on travel.
  • 3x points on dining.
  • 1x points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Image of Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

20.24%, 25.24%, or 29.99% Variable APR

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

  • While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
  • Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
  • Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
  • The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Image of Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

  • Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

  • 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

  • Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
  • Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
  • Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
  • No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • $350 Annual Fee.

Best starter airline card

Image of Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

  • Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

  • 2X Earn 2X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services; select streaming.
  • 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
  • 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

  • You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
  • Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
  • Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
  • It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.

Best for savers

Image of Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

  • 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
  • 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

  • The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
  • You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
  • Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
  • This card does not offer a few popular premium travel perks like lounge access.
  • Low $95 annual fee.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.

Best for first-year value

Image of Discover it® Miles

Discover it® Miles

  • Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

  • All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
  • Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
  • You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
  • The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.

Best for fair credit

Image of Credit One Bank Wander® Card

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site. Earn 5x points on eligible travel, dining, and gas. Earn 1x points on all other purchases.

29.74% Variable

  • 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • 5X Earn 5x points on eligible travel, dining, and gas
  • 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

  • It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
  • Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
  • Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
  • Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

  • Co-branded cards
  • General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

  • Airline rewards values
  • Hotel rewards values
  • Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

  • Flexibility 15%
  • Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

  • Groceries: $5,700
  • Dining out: $3,600
  • Entertainment: $2,400
  • Gas: $3,100
  • Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

  • Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
  • Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
  • Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
  • Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
  • Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

inspire travel card reviews

Thomas Nitzsche

inspire travel card reviews

Stephanie Zito

inspire travel card reviews

Erica Sandberg

inspire travel card reviews

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

inspire travel card reviews

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Find the best credit card for you

The 13 best travel credit cards of june 2024, the best travel credit cards can earn you hundreds of dollars in rewards each year and make your travels more enjoyable..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

The best travel credit cards offer more than just great  cash-back , points or miles incentives — they also come with a range of perks that can take your next trip from basic to bougie without spending extra money.

Some travel card features are nearly standard across the board:  no foreign transaction fees ,  travel insurance  and various travel credits. More  premium cards  take things up by offering  lounge access  and credits for expedited airport security.

To help you choose the best travel rewards card for your needs, CNBC Select analyzed dozens of popular travel cards and dug into each card's perks and drawbacks. (See our methodology for more information on how we choose the best travel credit cards.)

Best travel credit cards

  • Best for dining when traveling: American Express® Gold Card
  • Best for welcome bonus:   Chase Sapphire Preferred® Card
  • Best for low annual fee: Capital One Venture Rewards Credit Card
  • Best for no annual fee: Discover it® Miles
  • Best for authorized user perks: Capital One Venture X Rewards Credit Card
  • Best for earning points on rent: Bilt Mastercard®
  • Best for lounge access: The Platinum Card® from American Express
  • Best for luxury travel: Chase Sapphire Reserve®
  • Best secured travel card: Discover it® Secured Credit Card
  • Best for fair credit: Credit One Bank Wander® Card
  • Best for low interest: First Tech Credit Union Choice Rewards World Mastercard®
  • Best for bonus categories: Wells Fargo Autograph℠ Journey Visa® Card
  • Best for students: Bank of America® Travel Rewards for Students

Best for dining when traveling

American express® gold card.

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Welcome bonus

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

Regular APR

See Pay Over Time APR

Balance transfer fee

Foreign transaction fee, credit needed.

Excellent/Good

See rates and fees , terms apply.

Read our American Express® Gold Card review .

  • Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
  • Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
  • Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
  • Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen (Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company)
  • No fee charged on purchases made outside the U.S.
  • No introductory APR period
  • $250 annual fee
  • Estimated rewards earned after 1 year: $1,074
  • Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is a smart choice for consumers who love traveling and dining out due to its generous rewards rates. While the card comes with a $250 annual fee ( see rates and fees ), it offers premium rewards that help offset the cost.

Standout benefits:  Travelers will appreciate the Amex Gold card's various statement credits. Cardholders get up to $120 in annual dining credit (up to $10 per month at Grubhub , Goldbelly, The Cheesecake Factory and other participating restaurants; enrollment is required) and up to $120 in Uber Cash ($10 per month) to put toward rides in the U.S. and dining via Uber Eats (you must add your Amex Gold Card as a payment method in the Uber app to enroll).

[ Jump to more details ]

Best for welcome bonus

Chase sapphire preferred® card.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

  • Terms apply.

Read our Chase Sapphire Preferred® Card review .

  • Points are worth 25% more when redeemed for travel via Chase Travel℠
  • Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
  • Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
  • $95 annual fee
  • No introductory 0% APR

Who's this for? The Chase Sapphire Preferred has a loyal following among travelers looking for a travel-centric rewards program and a robust suite of perks. What makes this card shine the most is its generous welcome bonus offer.

Standout benefits:  This card offers many helpful benefits, such as an up to $50 Annual Chase Travel Hotel Credit, no foreign transaction fees, primary rental car insurance , trip cancellation and interruption insurance and baggage and trip delay insurance. Cardholders can also benefit from a 10% points boost on each card anniversary and complimentary DashPass membership for a minimum of one year through Dec. 31, 2024.

Best for low annual fee

Capital one venture rewards credit card.

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

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

N/A for purchases and balance transfers

19.99% - 29.99% variable

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

  • 5 miles per dollar on hotel and rental cars booked through Capital One Travel
  • Global Entry or TSA PreCheck application fee credit up to $100 every 4 years
  • No introductory APR
  • There’s a $95 annual fee

Who's this for? The Capital One Venture Rewards Credit Card offers an abundance of travel benefits. It's especially valuable if you want a straightforward way of earning rewards without having to juggle bonus categories.

Standout benefits:  Travelers going overseas can take advantage of  no foreign transaction fees . Cardholders also get a credit of up to $100 to cover Global Entry or TSA PreCheck® membership.

Best for no annual fee

Discover it® miles.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

0% Intro APR for 15 months on purchases

18.24% - 28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Good / Excellent

*See rates and fees , terms apply.

Read our Discover it® Miles review.

  • Miles program
  • Generous welcome bonus
  • No blackout dates
  • No limit to the amount of miles you can earn and miles never expire
  • No Global Entry or TSA PreCheck statement credit offerings
  • Travel spending does not receive additional rewards
  • No airport lounge access

Who's this for?  The  Discover it® Miles  is ideal if you're seeking a generous rewards program and welcome bonus and don't want to pay an annual fee.

Standout benefits:  Discover has a welcome bonus that's hard to beat: It will do a mile-for-mile match of all miles earned the first year (for new card members in their first year only). If you rack up 35,000 miles within the first 12 months, Discover will match you with 35,000 miles. That's a total of 70,000 miles or $700 toward travel. Plus, the card has no foreign transaction fees.

Best for authorized user perks

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

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

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

Read our Capital One Venture X Rewards Credit Card review.

  • Large welcome bonus
  • No foreign transaction fees
  • Up to $100 statement credits for either Global Entry or TSA PreCheck®
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • High annual fee
  • No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is an excellent choice if you're a frequent traveler who wants a premium credit card at a lower price point than other high-end cards with similar benefits. Plus, up to four authorized users can be added for free.

Standout benefits:  This card is loaded with benefits, including a $300 Capital One Travel credit to use toward purchases made through Capital One Travel and a 10,000-mile bonus on each account anniversary (worth at least $100 for travel). Cardholders also receive an up to $100 statement credit for either Global Entry or TSA PreCheck® , complimentary  cell phone insurance , access to Capital One and partner airport lounges and more. Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

Best for earning points on rent

Bilt mastercard®.

Earn Bilt Points when you make 5 transactions that post each statement period - up to 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), 3x points on dining, 2x points on travel, and 1x points on other purchases.

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer ($5 minimum).

See rates/fees and rewards/benefits ; terms apply.

  • No annual fee
  • Solid rewards on broad spending categories
  • Ability to pay your rent with no transaction fees
  • Transfer points to leading frequent traveler programs at a 1:1 rate, including American Airlines, United and World of Hyatt®
  • No welcome offer

Who's this for? If you rent your home and don't have the Bilt Mastercard® , you're leaving points on the table. The Bilt Mastercard is the only card that lets you earn travel rewards on rent payments with no fees .

Standout benefits:  Bilt makes it easy for even beginners to get maximum value from their points through a unique partnership with the award search engine point.me . The BiltProtect feature also protects you from using up your entire credit limit or risk going into debt by charging your rent every month. Other benefits include cell phone protection; Purchase Assurance Plus, which covers your purchases for 90 days; discounts with partner brands; and access to the Mastercard Luxury Hotels & Resorts portfolio, which offers amenities like upgrades, free breakfast and property credits.

Best for lounge access

The platinum card® from american express.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Credit Needed

Read our The Platinum Card® from American Express review .

  • Up to $200 in annual airline fee credits
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $695 annual fee
  • No special financing offers on new purchases

Who's this for? The Platinum Card® from American Express is for road warriors who want to make their travels more comfortable. It grants you access to more airport lounges than any other card on the market and is loaded with lots of other travel and lifestyle benefits that help justify its high annual fee (see rates and fees ).

Standout benefits:  Cardholders have an extensive list of opportunities to earn over $1,500 in statement credits each year and enjoy ongoing benefits like automatic hotel elite status with Hilton Honors and Marriott Bonvoy and various travel and shopping protections. Even if you only take advantage of half of this card's perks, it's worth paying the annual fee (see rates and fees ).

Best for luxury travel

Chase sapphire reserve®.

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

  • $300 annual travel credit for travel purchases
  • Global Entry or TSA PreCheck application fee credit up to $100 every four years
  • Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
  • Points are worth 50% more when redeemed for travel via Chase Travel℠
  • Special benefits at The Luxury Hotel & Resort Collection
  • Complimentary year of Lyft Pink membership
  • High annual fee, but it can be offset by taking advantage of all the card’s perks
  • Estimated rewards earned after 1 year: $1,469
  • Estimated rewards earned after 5 years: $3,346

Who's this for? The Chase Sapphire Reserve is enormously popular among frequent travelers for its luxe perks, including comprehensive travel protections, and a strong rewards program. While this card comes with a substantial annual fee of $550 , the many statement credits help to offset the costs.

Standout benefits:  This card provides an annual $300 travel credit, which can cover everything from airfare and hotels to parking and tolls. Cardholders   can also get a statement credit of up to $100 (every four years) to help cover Global Entry, TSA PreCheck® or NEXUS application fees as well as enroll in Priority Pass™ Select for airport lounge access . Other benefits include elite-like benefits when booking hotels through The Luxury Hotel & Resort Collection; trip interruption/cancellation coverage; primary rental car coverage; lost luggage reimbursement; and trip delay reimbursement. 

Best secured travel card

Discover it® secured credit card.

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Discover will match all the cash back you've earned at the end of your first year

N/A on purchases

28.24% Variable

New / Rebuilding

Read our Discover it® Secured Credit Card review.

  • Cash-back program
  • Starting at seven months from account opening, Discover will automatically review your credit card account to see if you can transition to an unsecured line of credit and return your deposit
  • Cash-back program limits earnings: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%
  • Low credit line prevents cardholders from charging high-cost items or many expenses

Who's this for? If you are working to build your credit , the Discover it® Secured Credit Card offers an opportunity to earn rewards along the way.

Standout benefits: The Discover It® Secured Credit Card earns cash back on every purchase and offers a generous cash-back matching welcome bonus. Plus, the card charges no foreign transaction fees.

Best for fair credit

Credit one bank wander® card.

10X points on eligible hotels and rental cars book through the Credit One Bank travel partner; 5X points on eligible flights, dining and gas purchases; 1X points on all other purchases

No current offer

29.74% Variable

Average to excellent credit

See rates and fees. Terms apply.

  • Great return on travel purchases
  • Available to those with average credit
  • No welcome bonus

Who's this for? The Credit One Bank Wander® Card is ideal if you have fair or average credit and want to earn generous rewards on your travel, dining and gas purchases.

Standout benefits: You'll earn a whopping 10X points when you book eligible hotels and rental cars through the Credit One Bank travel site (5X when you book and 5X when you complete the booking). This card also earns 5X points on flights, dining and gas purchases, so it's rewarding for a wide variety of travel spending. Plus, there are no foreign transaction fees.

Best for low interest

Choice rewards world mastercard®.

Earn 2X points on groceries, gas, electronics, medical, household goods and telecommunications, 1X points on all other purchases

Earn 20,000 points when you spend $3,000 in the first 60 days from account opening

13.50% - 18.00% variable

  • Good rewards program for everyday purchases
  • No balance transfer fee
  • Balance must be transferred within 90 days of account opening date
  • Estimated rewards earned after 1 year:  $344
  • Estimated rewards earned after 5 years: $1,720

Who's this for? You should consider the Choice Rewards World Mastercard® from First Tech Federal Credit Union if you're looking for a card that offers an introductory APR. It made our list of the top travel cards for its unique rewards program and relatively low variable APR of 13.50% - 18.00%.

Standout benefits:  The 13.50% - 18.00% variable APR rate is significantly lower than many other competitor cards (though we recommend that you pay off your card in full and on time each month). There are also no foreign transaction fees, which is a huge plus when traveling abroad.

Best for bonus categories

Wells fargo autograph journey℠ card.

Earn 5X points on hotels; 4X points on airlines; 3X points on other travel; 3X points on dining. Plus earn 1X points on other purchases

Earn 60,000 bonus rewards points when you spend $4,000 in purchases in the first three months.

21.24%, 26.24%, or 29.99% variable based on your creditworthiness

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.

Terms apply

  • Excellent rewards rate for hotel, airfare and travel
  • Strong welcome bonus
  • Access to transfer partners
  • Fewer transfer partners than comparable programs
  • Doesn't have several key travel protections (trip delay, primary rental car coverage in the U.S.)

Who's this for? The Wells Fargo Autograph℠ Journey Visa® Card has just about everything you could want in a travel card: A great welcome offer, a reasonable annual fee, useful bonus spending categories and meaningful perks.

Standout benefits:  The Wells Fargo Autograph Journey Visa Card will help you rack up rewards quickly for travel spending. It earns 5X points on hotels, 4X points on airlines and 3X on dining and other travel. The best part is that you can transfer Wells Fargo points to airline and hotel travel partners including Choice Privileges, Avianca LifeMiles, British Airways Executive Club and Air France/KLM Flying Blue.

Best for students

Bank of america® travel rewards for students credit card.

Unlimited 1.5 points for every $1 spent on all purchases

25,000 online bonus points after you spend at least $1,000 in purchases in the first 90 days of account opening, which can be redeemed for a $250 statement credit toward qualifying travel and dining purchases

0% APR for the first 15 billing cycles on purchases, and for any balance transfers made within the first 60 days of opening your account

18.24% - 28.24% variable

3% of each transaction intro balance transfer fee for the first 60 days from account opening, then 4%

Good/Excellent

  • Strong welcome bonus of 25,000 points if you spend $1,000 in the first 90 days
  • Intro 0% APR for 15 billing cycles on purchases and balance transfers
  • No student-centric benefits or incentives to practice responsible credit behavior
  • Estimated rewards earned after 1 year: $466
  • Estimated rewards earned after 5 years:   $1,528

Who's this for? The Bank of America Travel Rewards for Students is a great choice for students who plan on studying abroad or traveling during breaks. The rewards program is geared toward travel, and cardholders earn 1.5 points per dollar on all purchases.

Standout benefits: There are no foreign transaction fees, making it an ideal card for college students studying abroad. This card also comes with a longer-than-average special financing offer of no interest for 15 billing cycles (then 18.24% to 28.24% variable APR). A full year of no interest is a great way for you to pay off new purchases over time, without incurring interest charges, though we recommend you pay off your balance on time and in full each month.

More on our top travel credit cards

The American Express Gold Card earns elevated rewards for several popular spending categories, including dining, groceries and airfare. To top it off, the Amex Membership Rewards points you earn are some of the most valuable travel points out there.

  • 4X points per dollar spent at restaurants (plus takeout and delivery in the U.S.)
  • 4X points per dollar spent at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
  • 3X points per dollar spent on flights booked directly with airlines or on amextravel.com
  • 1X point per dollar spent on all other purchases

Earn 60,000 Membership Rewards points after spending $6,000 on eligible purchases with your new card within the first 6 months of card membership.

$250 (see rates and fees )

Notable perks

In addition to the up to $240 in annual credits for dining and Uber Cash, the American Express Gold Card has a variety of other useful benefits. For example, cardmembers get a $100 experience credit and potential room upgrade when booking stays of at least two nights through The Hotel Collection. Experience credit varies by property.

Eligible purchases also qualify for the following insurance coverages*:

  • Baggage insurance (Underwritten by AMEX Assurance Company.)
  • Extended warranty (Underwritten by AMEX Assurance Company.)
  • Purchase protection (Underwritten by AMEX Assurance Company.)
  • Trip delay insurance (Underwritten by New Hampshire Insurance Company, an AIG Company.)
  • Car rental loss and damage insurance (secondary) (Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)

You can use the American Express Membership Rewards points you earn with this card in a variety of ways, from redeeming for gift cards and statement credits to booking travel through the  Amex Travel Portal . To get a potentially bigger bang for your buck, transfer your Membership Rewards points to a variety of airline or hotel partners, including Delta SkyMiles, JetBlue TrueBlue, Hilton Honors,  Marriott Bonvoy , Choice Privileges and more. * Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

[ Return to card summary ]

In addition to an excellent  welcome bonus , the Chase Sapphire Preferred® Card offers lucrative bonus categories and other useful perks like travel and purchase protections, all for a modest annual fee.

  • 5X points per dollar on travel purchased through 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 and wholesale clubs)
  • 3X points per dollar on select streaming services
  • 2X points per dollar on all other travel purchases
  • 1X points per dollar on all other purchases
  • 10% anniversary points boost
  • $50 Annual Chase Travel Hotel Credit

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. That's $750 when you redeem through Chase Travel℠.

The Chase Sapphire Preferred offers travelers many important protections, including  primary rental car insurance , trip cancellation and interruption insurance and baggage and trip delay insurance. Travelers can also rack up rewards faster thanks to a 10% points boost on each card anniversary. That means if you spend $50,000 on purchases, you'll get a 5,000-point bonus (worth $75 in travel booked through Chase).

Cardholders can take advantage of various statement credits for specific purchases. For starters, the card offers up to $50 Annual Chase Travel Hotel Credit. Through July 31, 2024, you can register your Sapphire Preferred to receive six months of free Instacart+ membership and up to $15 back each quarter for Instacart purchases. You'll also receive a complimentary DashPass membership and lower service fees for a minimum of one year when you activate by December 31, 2024.

One of the best benefits of the Sapphire Preferred is that it unlocks access to Chase's 14 airline and hotel transfer partners. You can transfer points to United Airlines MileagePlus,  Southwest Airlines Rapid Rewards , Air Canada Aeroplan, World of Hyatt, IHG One Rewards,  Marriott Bonvoy and more. Otherwise,  your points are worth  1.25 cents each through Chase Travel℠ or one cent per point when redeemed for gift cards or cash back.

The Capital One Venture Rewards Credit Card stands out for earning versatile rewards that can be used for just about any travel expense while having a reasonable annual fee and convenient benefits for travelers.

  • 5X miles per dollar on hotel and rental cars booked through Capital One Travel
  • 2X miles per dollar on every other purchase

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

Capital One Venture Rewards cardholders receive a credit of up to $100 to cover Global Entry or TSA PreCheck® membership. Other perks include access to extended warranty protection*, Travel Assistance Services*, Purchase Assurance*, MasterRental Insurance*, Master RoadAssist®*, and Trip Cancellation/Interruption Coverage*.

Travelers going overseas can take advantage of no foreign transaction fees. As an added plus, you can use your Venture Rewards card to get access to exclusive sporting and music events, plus premiere culinary experiences through Capital One Dining and Capital One Entertainment .

You can use Capital One miles to book flights, hotels, rental cars and more through  Capital One Travel , or you can use them to offset recent travel purchases at a fixed value of one cent per point. Alternatively, you can transfer them to any of Capital One's hotel and airline partners including Accor Live Limitless, Air Canada Aeroplan, Etihad Guest and others to get even more value from your miles.

*Benefit available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See Account Terms or Application Terms for more details. Terms, conditions and exclusions apply.

The Discover it® Miles is an exceptionally rewarding credit card for everyday purchases , especially when you consider that it has no annual fee.

  • 1.5X miles per dollar on every purchase

Discover will match the miles you earn during the first year with no minimum spending requirement or limits on how much you can earn through the match.

The appeal of the Discover it® Miles is its simplicity of not having to worry about paying an annual fee or paying foreign transaction fees. The card also has an introductory 0% APR offer for 15 months on purchases and balance transfers , then a 18.24% - 28.24% variable APR (3% intro balance transfer fee, up to 5% balance transfer fee on future transfers, see terms ).

There are also no blackout dates when you pay for travel purchases using your card. And, you can easily redeem miles as a statement credit for travel,  restaurant or gas station  purchases, as well as a deposit to your bank account. The best part is, the miles you earn never expire even if your account is closed (Discover credits your account with your rewards balance if your account is closed).

The Capital One Venture X Rewards Credit Card is a luxury travel credit card with a straightforward rewards structure and a myriad of benefits that easily make its annual fee worth it.

  • 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
  • 5X miles per dollar on flights booked via Capital One Travel portal
  • 2X miles on all other eligible purchases

On top of the annual $300 Capital One Travel credit and 10,000 anniversary bonus miles, the Capital One Venture X card is loaded with other benefits. Cardmembers receive up to $100 statement credit for either Global Entry or TSA PreCheck® , complimentary  cell phone insurance , special perks on hotel stays booked through the Premier Collection** and Lifestyle Collection  and unlimited access to  Capital One Lounges  as well as the extensive network of Priority Pass and Plaza Premium airport lounges worldwide. 

You can add up to four authorized users for free and each additional cardholder also gets airport lounge access. If you value rental car perks, cardholders receive complimentary Hertz President's Circle status (enrollment required)***, which grants benefits such as guaranteed upgrades.

The Capital One Venture X Rewards Credit Card has the same redemption options as the Venture Rewards Card. You can use miles to offset eligible travel purchases or transfer them to various airline and hotel partners.

*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

***Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Normally it's not worth paying rent with a credit card because of the fees, but the Bilt Mastercard offers a path to earning points for paying rent without any fees.

When you make at least five transactions in a statement period, you'll earn points at the following rates:

  • Up to 1X points per dollar on rent payments without the transaction fee (up to 100,000 points each calendar year)
  • 2X points per dollar on travel
  • 1X point per dollar on all other purchases

Thanks to the BiltProtect feature, Bilt Mastercard cardholders are protected from using up their entire credit limit or risk going into debt by charging their rent to their card every month. Other benefits include a $5 monthly Lyft credit after taking three Lyft rides in a month (through March 31, 2024), as well as a free ShopRunner membership (through March 31, 2024).

For a no-annual-fee card, the Bilt Mastercard has a surprising amount of built-in insurance perks, including:

  • Trip delay reimbursement
  • Rental car collision damage waiver
  • Cell phone protection
  • Purchase protection

Bilt Rewards points can be redeemed for travel either by transferring them to airline and hotel partners or by booking through the Bilt Travel Portal at a fixed rate of 1.25 cents per point. Other redemption options include using them to shop online, book fitness classes, pay rent and even make a down payment on a home.

The Platinum Card from American Express has a high annual fee but also packs a punch in benefits. If you're able to take advantage of its numerous annual statement credits, entertainment benefits, extensive airport lounge access and elite status perks, you'll be sure to come out ahead.

  • 5X points per dollar spent on flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
  • 5X points per dollar spent on prepaid hotels booked with American Express Travel

Earn 80,000 points after spending $8,000 on eligible purchases within the first six months of card membership.

$695 (see rates and fees )

Cardholders can enjoy a long list of benefits, including:

  • Up to $200 annual hotel credit (Hotel Collection requires a minimum two-night stay)
  • Up to $200 annual airline fee credit
  • Up to $300 per calendar year Equinox credit (enrollment required)
  • Up to $100 annual Saks Fifth Avenue credit (enrollment required)
  • Up to $189 credit to enroll in CLEAR® Plus (subject to auto-renewal)
  • Up to $240 annual digital entertainment credit (enrollment required)
  • Up to $155 annual Walmart+ credit. (Plus Ups are not eligible. Subject to auto renewal)
  • Worldwide airport lounge access, including Delta SkyClubs and Amex Centurion Lounges
  • Up to $200 annual Uber credit. Benefit renews annually. (Uber Cash and Uber VIP status is available to Basic Card Member only.)
  • $100 fee credit for Global Entry or up to $85 for TSAPreCheck
  • Automatic hotel elite status with Hilton Honors and Marriott Bonvoy
  • Comprehensive travel insurance*
  • Complimentary Amex concierge service
  • Cell phone protection*

* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Membership Rewards points can also be exceptionally valuable. The best way to use Amex points is to transfer them to one of Amex's airline and hotel partners. They can also be redeemed for statement credits, gift cards and when  checking out at retailers like Amazon , though you'll usually get a lower value for your points.

The Chase Sapphire Reserve ® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee. Its travel insurance perks can add peace of mind to any adventure and the card's airport lounge access and credits for expedited airport security can help reduce airport stress.

  • 10X total points per dollar on hotels and car rentals purchased through Chase Travel℠*
  • 10X points per dollar on Lyft purchases through March 2025
  • 5X total points per dollar on flights purchased through Chase Travel℠*
  • 3X points per dollar on other travel*

*After the first $300 is spent on travel purchases annually

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Chase Sapphire Reserve ® card members get up to $300 in annual travel credits, which covers more than half of the card's annual fee. Additional benefits include an up to $100 Global Entry, TSA PreCheck or NEXUS fee credit (every four years), elite-like perks when booking hotels through The Luxury Hotel & Resort Collection, access to Sapphire airport lounges and a Priority Pass Select membership (valued at $469), which unlocks access to more than 1,300+ airport lounges worldwide.

Cardholders also have access to a wide range of limited-time benefits and credits, including:

  • Two years of complimentary Lyft Pink All Access membership (worth $199 a year) when activated by Dec. 31, 2024
  • At least 12 months of complimentary DashPass membership when activated by Dec. 31, 2024
  • $5 in DoorDash credit each month through Dec. 31, 2024
  • One year of free Instacart+ membership (activate by July 31, 2024)
  • Up to $15 in Instacart credits each month (through July 31, 2024)

Some of the easiest benefits to overlook are this card's top-notch travel and purchase protections, such as purchase protection, extended warranty protection, return protection, primary rental car collision coverage, trip delay protection, trip interruption/cancellation insurance, baggage delay protection, travel accident insurance, emergency medical and dental insurance and more. Cardmembers traveling internationally also don't need to worry about foreign transaction fees.

The value of the points you earn depends on how you use them. If you redeem points for cash and gift cards, each point is worth one cent. However, the value of points increases to 1.5 cents apiece when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel. This is a great way to maximize the value of your rewards and makes this card stand out from the pack. Of course, transferring your points to Chase's airline and hotel partners is also an option.

The Discover it Secured Credit Card is ideal for anyone with no credit or poor credit because you don't need a credit score to apply. It has no annual fee and has a generous rewards structure for a secured credit card .

  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
  • 1% cash back on all other purchases

Discover will match the cash back you earn during the first year with no minimum spending requirement or cap on the match.

The Discover it Secured Credit Card is designed for those who have no credit history or need to repair their credit score. You don't need a credit score to apply. Instead, you're required to make a refundable deposit of at least $200 to open the card. Whatever amount of money you deposit becomes your credit limit.

At seven months from account opening, Discover will automatically review your credit card account to see if they can transition you to an unsecured line of credit and return your deposit. The card also has no foreign transaction fees, so you won't be dinged for using it abroad.

Cashback earned with this card doesn't expire and you can redeem your rewards at any time for statement credits, gift cards, merchandise and more.

Credit One Bank® Wander Card

The Credit One Bank® Wander Card is special because it allows you to earn rewards while working on your credit score and doesn't require a security deposit.

  • 10X points on eligible hotels and rental cars you book through the 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

It's easy to redeem the rewards you earn with your Credit One Bank Wander card. You can use points for cash back, gift cards and consumer goods and services. There is a 1,000-point minimum redemption amount when you're using points for a statement credit .

When you make a purchase in a foreign currency with this card, there are no foreign transaction fees. Eligible purchases are also covered by this card's built-in travel accident insurance .

First Tech Credit Union Choice Rewards World Mastercard®

Although we always recommend aiming to pay off credit card debt , if you have the debt, the Choice Rewards World Mastercard has one of the lowest interest rates you can find on a credit card.

  • 2X points per dollar on everyday purchases such as groceries, gas, electronics, household goods and telecommunications

Earn 20,000 points when you spend $3,000 in the first 60 days from account opening.

Not only does the Choice Rewards World Mastercard have a low APR, but it also has no foreign transaction fees, which is a huge plus when traveling abroad. It is a World Mastercard and as such, comes with purchase protection, Mastercard ID Theft Protection and 24-hour worldwide assistance for lost or stolen cards. It has an array of travel protections as well, including insurance for trip cancellations, travel accidents, baggage delays, lost luggage and rental cars (secondary).

Membership to First Tech Federal Credit Union is required to apply, but anyone can join through affiliation with select organizations or employers, a relationship with a current member, working or living in Lane County, Oregon, attending Cogswell Poly Technical College or by joining the Community History Museum (CHM) or Financial Fitness Association (FFA). First Tech pays the membership fee for the CHM and FFA on your behalf.

The rewards can be redeemed at a fixed rate toward cash-back, travel, merchandise, gift cards and experiences.

Wells Fargo Autograph℠ Journey Visa® Card

The Wells Fargo Autograph℠ Journey Visa® Card stands out for having a modest annual fee and high rewards rate on airline and hotel purchases which are uncapped and don't require you to book through a specific site to get the increased return.

  • 5X points on hotels
  • 4X points on airlines
  • 3X points at restaurants
  • 3X points on other travel

Earn 60,000 points after spending $4,000 in purchases in the first three months of account opening.

Every year, cardholders receive a $50 airline statement credit with a minimum purchase of $50. This credit covers more than half of this card's annual fee and applies to purchases such as airfare, baggage fees and more.

You can also save money and increase your peace of mind by taking advantage of this card's many insurance benefits. Cardholders receive these coverages:

  • Roadside dispatch
  • Travel accident insurance
  • Lost baggage reimbursement
  • Trip cancellation and interruption protection
  • Auto rental collision coverage
  • Travel and emergency assistance

You can redeem Wells Fargo rewards for gift cards, cash back, travel and more. However, you'll typically get the best value when you transfer Wells Fargo rewards to travel partners. You can transfer points to these airlines at a 1:1 ratio:

  • Aer Lingus AerClub
  • Air France/KLM Flying Blue (partners with Delta)
  • Avianca LifeMiles  (partners with United)
  • British Airways Executive Club (partners with American Airlines and Alaska Airlines)
  • Iberia Plus (partners with American Airlines and Alaska Airlines)

Wells Fargo points also transfer to Choice Privileges at a 1:2 ratio.

Bank of America® Travel Rewards for Students

The Bank of America Travel Rewards for Students card provides a strong return for everyday purchases that competes with many of the top non-student credit cards.

  • 1.5X points per dollar on all purchases

Earn 25,000 bonus points after spending at least $1,000 in purchases in the first 90 days of account opening.

In addition to having no annual fee, the Bank of America Travel Rewards for Students card charges no foreign transaction fees, which is useful when studying or traveling abroad.

You must be 18 or older and enrolled in school (college, vocational or trade school) to qualify for this card. Eligible students have access to a 0%-APR offer on purchases and balance transfers for the first 15 billing cycles, then a variable 18.24%-28.24% APR applies. Only balance transfers made in the first 60 days of account opening qualify for the 0%-APR offer and there is a 3% balance transfer fee.

Rewards can be redeemed as a statement credit to cover the cost of travel and dining purchases — a simple way to reduce the cost of taking a spring break vacation or buying a plane ticket home. You can redeem rewards at any time and any amount.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

How to choose a travel credit card

There is a variety of travel credit cards available, from general to airline - and hotel -specific, and all the choices can make it hard to settle on one. To choose the best card for your needs, you should consider several factors. Here are some tips on how to choose a credit card.

Consider annual fee costs

Consider whether you're willing to pay an annual fee. Some travel cards have steep annual fees of over $500, which can be worthwhile, but not for everyone. Make sure you do the math to see if an annual fee travel card is for you.

Review your travel habits

Another key factor to consider is the type of travel you do most. If you travel within the U.S., then it doesn't matter if a card charges foreign transaction fees. But if you're off to Mexico or Spain, then it's important to have a no foreign transaction fee card.

Choose the right rewards program

Rewards should also play a part in your decision. Do some research to determine which card offers a rewards program more geared toward your spending habits. If you dine out a lot when you travel, consider the American Express Gold Card with 4X points on dining at restaurants. But if you want a competitive rewards rate on all sorts of purchases, the Discover it® Miles has no annual fee and unlimited 1.5X miles on every dollar of every purchase.

You can compare card benefits side by side to see if one card rates better than another. The  Chase Sapphire Reserve , for example, offers complimentary lounge access, while the Capital One Venture Rewards Credit Card offers cardholders a fee credit for Global Entry or TSA PreCheck .

Before you sign up for a travel credit card, consider how you'll use it and how you can best optimize its  rewards program , especially if you're paying a steep  annual fee . It's also important to make sure you can pay off your balance on time and in full each month because many of these cards have  high interest rates .

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Pros and cons of a travel credit card

Many top rewards credit cards are also travel credit cards, but that doesn't mean that a travel card is the best option for every situation. Travel cards are rewarding for travel-related purchases and can provide outsized value when you use the rewards to book your next vacation. However, travel can be a small part of the typical consumer's budget and other credit cards can be more rewarding for everyday spending or have simpler rewards programs.

  • High-value travel rewards
  • Luxury perks like airport lounge access or automatic elite status
  • Valuable welcome bonuses
  • Rewarding for common travel-related purchases
  • Travel rewards programs are sometimes more complicated
  • May be less rewarding for non-travel purchases (groceries, online shopping , etc.)
  • Can have higher annual fees
  • Typically require higher credit scores

How travel credit cards work

The premise of travel credit cards is to give you a path to turning your credit card purchases into travel rewards. What you can use travel rewards for and the amount of rewards you earn varies by card.

The type of rewards you earn, the cost of keeping the card and the card benefits depend on the type of travel card. There are co-branded hotel and airline cards that earn miles and points tied to a specific hotel chain or airline. These cards also provide brand-specific benefits such as elite status or elite status credit and statement credits tied to a specific company. A general travel card is typically better for anyone who isn't extremely loyal to a specific company. General travel rewards or flexible rewards can usually be redeemed to offset travel expenses and, with the best cards, you can transfer miles or points to partner travel programs. This gives cardholders the option to pick the best program for a specific trip.

Outside of the rewards a card earns, most of the best travel credit cards also provide ongoing benefits. These benefits run the gamut from travel and purchase protections to statement credits and airport lounge access. Luxury benefits like airport lounge access are typically tied to premium credit cards , which usually have annual fees of $400 or more.

Making the most of your travel card

To make the most of your travel card, you should familiarize yourself with the various credit card benefits and fees. Take note of any annual fees, foreign transaction fees and the APR associated with your account. Also, consider the rewards rates and added perks, such as annual statement credits.

Once you're familiar with the terms of your card, you can start optimizing them. That may include setting reminders to use the annual $300 travel credit provided by the Chase Sapphire Reserve or submitting a Global Entry application with the Capital One Venture Rewards Credit Card to take advantage of the up to $100 credit.

If you have multiple credit cards , you might want to have a plan for the best time to use each card. Let's say you have the Discover it® Miles and American Express Gold Card . Use the Amex Gold Card for dining expenses at restaurants to earn 4X points, then use the Discover it® Miles for all your other purchases to earn unlimited 1.5X miles.

Other types of credit cards to consider

Travel credit cards aren't for everyone. If you travel infrequently, you should consider alternative credit card options, such as cards with dining, grocery or gas rewards. Some cards provide up to 6% back in those categories, allowing foodies, meal-preppers and commuters to benefit.

Beyond rewards, you might benefit from a card that offers a 0% APR period . Some cards offer no interest for a year or more on new purchases and balance transfers, such as the Citi Simplicity® Card . The card has 0% intro APR for 21 months on balance transfers from the date of first transfer, plus 0% intro APR for 12 months on purchases from date of account opening (after, 19.24% - 29.99% variable APR; balance transfers must be completed within four months of account opening.) There is an introductory balance transfer fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, your balance transfer fee will be 5% of each transfer (minimum $5; see rates and fees ). When used responsibly, these cards can help you get out of debt without high interest charges.

Should you get a travel credit card?

If you travel often and pay for purchases with cash or a debit card , you're missing out on rewards and perks that can make travel more affordable. It can be in your best interest to get a travel credit card that awards high rewards rates on airfare, hotels, rideshares and other common travel expenses.

Who should apply for a travel card?

If you're interested in submitting a travel credit card application, keep in mind that card issuers usually require you to have good credit or excellent credit (scores above 670). Therefore, it's key to check your credit score before applying for a travel card.

Once you know your credit score and can check if you prequalify for a travel card, choose the best card for your needs and apply.

What's the difference between points and miles?

Unlike cash-back cards , travel credit cards generally earn points or miles. Traditionally, the term points referred to flexible rewards that could be redeemed directly through a bank's portal or transferred to a partner airline or hotel loyalty program. Meanwhile, the term miles has been associated with rewards earned through an airline's frequent flyer program. However, nowadays, points and miles are used interchangeably as there are flexible credit card rewards called miles and more restrictive airline rewards referred to as points.

How do I compare credit cards for travel?

If you're having trouble narrowing down the best travel card for you, it can be helpful to compare credit cards. First list the benefits you're looking for and any deal breakers, such as an annual fee. Then consider cards that have those benefits.

For instance, if you want both travel and dining rewards, the Amex Gold Card is a better choice than the Capital One Venture Rewards Credit Card since the rewards rate is 4X versus 2X.

But if you don't want to pay a high annual fee, the Venture Card is only $95 compared to the $250 you'll pay for a Gold Card (see rates and fees ).

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards.

Our methodology

To determine which travel credit cards offer the best value, CNBC Select analyzed dozens of travel cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cashback).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

When choosing the best travel cards, we focused on relevant features, like cards that charge no foreign transaction fees, are widely accepted internationally and provide consumers with bonus rewards on travel spending. We prioritized cards that offered the strongest returns on travel purchases but also considered additional perks that may be useful when traveling, such as travel protections, baggage allowances, airport lounge access and elite status 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.

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 are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Best credit cards for international travel in 2024

Ariana Arghandewal

Dec 29, 2023 • 15 min read

inspire travel card reviews

Your next great adventure is never far away when you're maximizing points and benefits with the best cards; Mattertal, Switzerland © mbbirdy / Getty

This series of articles about credit cards, points and miles, and budgeting for travel is brought to you in partnership with The Points Guy .

Advertiser Disclosure:  This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. All information about the Wells Fargo Autograph Card has been collected independently by Lonely Planet. This card is not available through Lonely Planet.

When traveling abroad, the right credit card can be as crucial as your passport. The best credit card can help you not only earn more rewards, but it can also provide valuable protections and benefits. A credit card can save you money on foreign transaction fees and protect your purchases from fraudulent activity and theft.

Some credit cards can make your travels more comfortable with valuable perks like lounge access, elite status benefits and travel insurance. 

For international travel, you’ll want a credit card that waives foreign transaction fees and offers bonus points on travel along with travel insurance. We’ve taken the guesswork out of this task for you by rounding up the best credit cards for international travel:

How to get started with travel points and airline miles

Huilo-Huilo waterfall; Los Ríos, Chile

The best credit cards for international travel in 2024:

  • Best overall: Chase Sapphire Preferred® Card
  • Best for luxury travel perks: The Platinum Card® from American Express *
  • Best for travel insurance: Chase Sapphire Reserve®
  • Best for tours and activities: Capital One Venture Rewards Credit Card
  • Best for dining around the world: American Express® Gold Card *
  • Best for no annual fee: Wells Fargo Autograph℠ Card

The best credit cards for airline miles

Chase Sapphire Preferred® Card: Best overall for international travel in 2024

The Chase Sapphire Preferred® Card is an excellent card for international travel because it checks all the boxes regarding benefits you’ll need when traveling abroad. The card provides vital travel protections and earns valuable rewards at a reasonable $95 annual fee. Cardholders earn 5 points per dollar on travel purchased through the Chase Travel℠ portal and 2 on all other travel purchases. The card also comes with valuable travel insurance, which is vital when traveling abroad. 

Cardholders pay no foreign transaction fees, which hover around 3% for purchases abroad on standard credit cards. Whether paying your hotel bill or doing extra shopping, the waived fee can add substantial savings.

Sapphire Preferred cardholders get up to $10,000 per person in trip cancellation/interruption insurance, primary rental car coverage (in the U.S. and abroad), up to $100 per day in baggage delay insurance (maximum of five days) and up to $500 in trip delay reimbursement per ticket. These protections can be beneficial in case of travel delays or emergencies. While you may consider buying supplemental travel insurance for certain trips, these credit card protections provide excellent baseline coverage.

Welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Rewards: Earn 5X points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel℠ hotel credit);  3X points on dining at restaurants, including eligible delivery services, takeout and dining out; 3X points on online grocery purchases; 3X points on select streaming services; 2X points on all other travel; 1X on other purchases.

Travel benefits: Annual $50 Chase Travel℠ hotel credit, trip cancellation/interruption insurance, primary rental car insurance, trip delay reimbursement, baggage delay insurance, travel and emergency assistance services.

Credit score required: Good to Excellent.

Annual fee: $95. See rates and fees .

  • Generous category bonuses.
  • Excellent rewards program with a great selection of airline and hotel transfer partners.
  • $50 annual travel credit.
  • Extensive travel protections, including primary rental car insurance abroad. 
  • The card is subject to Chase’s 5/24 rule (meaning you won’t be approved if you’ve opened five credit cards at any bank in the last 24 months).
  • The $50 annual hotel credit is limited to Chase Travel℠ bookings (and does not earn bonus points).

How to use points and miles to save money on travel

The American Express Platinum Card

The Platinum Card® from American Express: Best for travel perks

No other credit card can compete with The Platinum Card® from American Express  regarding travel perks. The card offers over $1,500 in annual statement credits for airline fees, hotel bookings and trusted-traveler programs like CLEAR® Plus and Global Entry . Global Entry is particularly useful for international trips, as it expedites the passport control process.

Cardholders can upgrade to Hilton Honors and Marriott Bonvoy Gold elite status without ever stepping foot in a hotel lobby. These higher status levels can provide added perks like room upgrades and complimentary breakfast, enhancing your hotel experience. 

The Platinum Card 's travel protections can provide added peace of mind with trip delay coverage and cancellation/interruption insurance.*

Welcome bonus: Earn 80,000 points after $8,000 spent within six months of account opening. 

Rewards: Earn 5X points on flights booked directly with airlines or Amex Travel (up to $500,000 per calendar year); 5X points on prepaid hotels booked with Amex Travel; 1X point on everything else.

Travel benefits: Annual airline fee credit up to $200; annual hotel booking credit up to $200 (Hotel Collection requires a minimum two-night stay); annual Uber Cash up to $200; $20 monthly digital entertainment credit for select streaming services; $155 Walmart+ Credit; $300 annual Equinox statement credit; $50 Saks credit issued semi-annually; $189 CLEAR Plus credit; Hilton and Marriott Gold elite status; elite status with Avis, Hertz and National rental car; trip delay insurance; trip cancellation & interruption insurance.

Credit score required: Good to Excellent.

Annual fee: $695. See rates and fees .

  • Wide range of travel credits that offset the annual fee (if you use them).
  • Earns valuable Membership Rewards points.
  • Exceptional travel protections.
  • High annual fee.
  • Category bonuses are limited to Amex Travel and direct bookings.
  • The current welcome bonus isn’t the highest to date, and the card is subject to the Amex once-per-lifetime rule.

Best travel credit cards for foodies

Earn 10x rewards on hotel stays with Chase Sapphire Reserve

Chase Sapphire Reserve®: Best for travel insurance

Comprehensive travel insurance is essential when traveling abroad – things always go wrong, and you don’t want to incur added expenses on top of your trip. The Chase Sapphire Reserve® provides exceptional travel insurance. Depending on your travel habits, you may not even need to buy a policy. Simply charge your travel expenses to the card, and you’ll be covered in case of trip delays, lost luggage and rental car accidents. The card provides emergency medical services and transportation up to $100,000 and trip cancellation/interruption coverage up to $10,000 per person and $20,000 per trip. In case of trip delays of six hours or longer, each passenger will be reimbursed up to $500 per ticket for meals and lodging. 

If you arrive at your destination and discover your luggage is missing, you’ll get up to $3,000 per passenger to buy essentials. This policy also applies to damaged luggage, including carry-ons.

The Sapphire Reserve ’s auto rental collision damage waiver is one of the best in class. It applies to rentals made abroad and covers up to $75,000 in case of theft or collision damage.

Welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Rewards: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Travel benefits: Up to $300 in annual travel statement credits, including airfare, hotels and rental cars; get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠; Priority Pass Select membership; application fee credit towards Global Entry, TSA Precheck or NEXUS every four years; travel protections including cancellation/interruption insurance, trip delay reimbursement, primary rental car insurance, lost luggage reimbursement and emergency evacuation and transportation.

Credit score:  Excellent.

Annual fee: $550 (plus $75 per authorized user). See rates and fees .

  • Comprehensive travel insurance when you use the Sapphire Card for booking.
  • Application fee credits for Global Entry, TSA Precheck and NEXUS.
  • Priority Pass Select membership for access to over 1300 airline lounges worldwide.
  • The $300 annual travel credit partially offsets the high annual fee. 
  • Approval is subject to the Chase 5/24 rule (ie, you might not qualify for the card if you've signed up for 5 or more credit cards in the last 24 months).
  • $75 authorized user fee.

10 amazing hotels around the world you can book with points

The overwater bungalows at Hilton Moorea Lagoon Resort & Spa

Capital One Venture Card: Best for international tours and activities 

The Capital One Venture Rewards Credit Card is the best card for tours and activities because it offers unlimited 2 miles per dollar on every purchase, making it easy to earn rewards quickly. Plus, the miles can be redeemed for any travel-related expense, so you can use them to book flights, hotels, rental cars and more. 

Additionally, cardholders get six months of complimentary membership to The Cultivist. This subscription platform typically costs $40 per month and provides free admission to over 60 museums, including the New York Met, Paris Louvre and The Art Institute of Chicago. You can bring up to three guests for free, making the Venture Card a terrific credit card for tours and activities.

With its simple reward structure and no-hassle redemption process, the Capital One Venture Card is an ideal choice for travelers looking to save money on their next tour or activity.

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 in the first three months of account opening.

Rewards: 5X miles on hotels and rental cars booked through Capital One Travel; 2X miles on all other purchases.

Travel benefits: Up to a $100 credit for Global Entry or TSA PreCheck, Hertz Five Star status, rental car insurance and travel accident insurance, Capital One Dining access; complimentary six-month membership to The Cultivist.

Credit score:  Good to Excellent.

Annual fee: $95. 

  • $100 credit towards Global Entry or TSA Precheck application fees every four years.
  • Generous lounge benefit for a $95 annual fee card.
  • Simple rewards structure with multiple international airline transfer partners.
  • Limited lounge network compared to other credit cards.

Should you book travel with cash or points?

The Rose Gold American Express Card

American Express Gold Card: Best for dining around the world

Dining is one of the most significant expenses when you’re traveling abroad. The American Express Gold Card is the best card to pack in your wallet, earning 4 points per dollar spent at restaurants. The card also earns 3X points on flights booked directly with airlines or Amex Travel so that you can maximize every dollar spent on vacation. 

The Amex Gold Card also offers up to $10 in monthly Uber Cash and another $10 towards Grubhub, Cheesecake Factory, Goldbelly, Milk Bar and select Shake Shack locations. Granted, you may not find many Cheesecake Factories abroad, but it’s a nice bonus that could come in handy during domestic travels. The card qualifies for Amex Offers, a rotating list of discounts at popular retailers, restaurants and hotels. You can save hundreds of dollars by taking advantage of dining deals through this portal.

Welcome bonus: Earn 60,000 Membership Rewards points after you spend $6,000 within the first six months of account opening.

Rewards: Earn 4X points at restaurants; 4X points at U.S. supermarkets (up to $25,000 per year in purchases and then 1x after); 3X points on flights booked directly with airlines or Amex Travel; 1X points on all other purchases. 

Travel benefits: Receive up to $10 in monthly Uber Cash (valid for rides or Uber Eats orders); up to $10 in monthly dining credit at Grubhub, Cheesecake Factory, Goldbelly, Milk Bar and select Shake Shack locations; secondary rental car coverage*; baggage insurance plan; Global Assist hotline; access to experience credits and travel perks through The Hotel Collection.

Credit score: Good to Excellent.

Annual fee: $250. See rates and fees .

  • High earnings on popular travel spending categories.
  • Up to $240 in annual dining credits.
  • Amex Offers provides additional savings on travel.
  • Includes valuable travel protections.
  • The current welcome bonus isn’t the highest to date. 
  • The card is subject to American Express’s once-per-lifetime rule.

American Express Gold Card review: a 'gold' standard with impressive benefits

Wells Fargo Autograph Card

Wells Fargo Autograph℠ Card: Best for no annual fee

The Wells Fargo Autograph℠ Card is a great option for international travel if you want a card that earns generous rewards and minimal fees. The card waives foreign transaction fees, which is unusual for a card with no annual fee. It also offers generous bonuses on popular travel spending categories like dining, gas, transit, airfare, hotels, rental cars and cruises. With a 0% intro APR for 12 months, this is an excellent choice if you need to finance some purchases in the short term.

Welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months.

Rewards: Earn 3X points on travel, gas, restaurant, transit and popular streaming services; 1X points on all other purchases. 

Travel benefits: Secondary rental car insurance in the US., primary rental car coverage abroad, travel and emergency services assistance, emergency cash disbursement and card replacement, cell phone protection (up to $600 per year). 

Annual fee: $0. 

  • High earning potential in board travel spending categories.
  • One of the few credit cards offering cell phone protection.
  • Primary rental car coverage abroad and secondary in the U.S.
  • Low welcome bonus.
  • Points are not transferable to airline or hotel loyalty programs.
  • No travel protections outside of rental car insurance. 

How to travel to Bali with points and miles

Consider upgrading your travel experience with the right credit card

Who should get a credit card for international travel?

Anyone who frequently travels internationally should consider getting a credit card for international travel. There are added costs and hassles associated with traveling abroad that these credit cards can eliminate. With the right credit card, you’ll earn bonus points in popular spending categories restricted abroad. 

You don’t have to be a frequent traveler to benefit from these cards either. They can provide peace of mind by serving as a backup form of payment if your debit or cash is lost or stolen while abroad. In fact, the right credit card can serve you well even when you’re just going about your daily routine.

Below are some of the features and benefits you should look for when choosing a credit card for international travel:

Traveling to Europe using points and miles

How to choose the best credit card for international travel

When it comes to international travel, selecting the right credit card is essential. The right credit card can save you money on fees and travel expenses and provide you with a range of benefits to make your trip easier and more enjoyable. Here are some tips for choosing the best credit card for international travel: 

No foreign transaction fees:  Many credit cards charge a fee of up to 3% when you use them abroad. Look for a card that doesn’t charge these fees so you can save money when making purchases in other countries. 

Bonus points on travel:  Many cards offer rewards in popular spending categories like travel, dining, groceries and gas. These points can then be redeemed for free flights, hotel stays or other travel perks. Some credit cards limit bonus points on dining and grocery spending to U.S. supermarkets and restaurants only. You’ll want a card in your wallet that offers bonus points in the U.S. and abroad since these expenses add up during travels. 

Trusted traveler programs:  Navigating airports can be a stressful experience both in the U.S. and abroad. Trusted traveler programs like TSA Precheck , Global Entry and NEXUS can eliminate the hassle (and long lines). When choosing a credit card for international travel, consider one that offers an application fee credit for trusted traveler programs. These credits can offset high annual fees and make your next trip abroad much more pleasant.

TSA PreCheck vs. Global Entry: A guide to picking the best one for you

Unlock benefits like seat upgrades with the best international travel cards

International credit cards FAQ

Which cards are best for international travel.

The best international travel cards are those with no foreign transaction fees, offer travel protections and earn bonus rewards on travel purchases. Some of the top cards for international travel include the Chase Sapphire Preferred , Capital One Venture Rewards Credit Card and The Platinum Card® from American Express .

The best credit cards for airport lounge access

What’s the advantage of using a credit card when traveling internationally?

The main advantage of using a credit card when traveling abroad is its convenience and security. Credit cards offer a secure way to make purchases without carrying large amounts of cash. Some credit cards also earn rewards on travel purchases, offer travel insurance and waive foreign exchange fees.

The best credit cards with no international fees

Herengracht Canal in Amsterdam

Is American Express or Visa better for international travel?

It depends on the country you are traveling to and which cards are accepted in that country. Generally, Visa is accepted more widely than American Express, so it may be the better option for international travel.

The best travel credit cards

* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit  americanexpress.com/ benefitsguide  for more details. Underwritten by Amex Assurance Company.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit  americanexpress.com  to learn more.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

This article was first published Aug 2, 2023 and updated Dec 29, 2023.

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Since 1971, Travel + Leisure editors have followed one mission: to inform, inspire, and guide travelers to have deeper, more meaningful experiences. T+L's editors have traveled to countries all over the world, having flown, sailed, road tripped, and taken the train countless miles. They've visited small towns and big cities, hidden gems and popular destinations, beaches and mountains, and everything in between. With a breadth of knowledge about destinations around the globe, air travel, cruises, hotels, food and drinks, outdoor adventure, and more, they are able to take their real-world experience and provide readers with tried-and-tested trip ideas, in-depth intel, and inspiration at every point of a journey.

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Inspire Travel Card for Charities

Inspire Travel Card for Charities 

Travel is a great way to help those who deserve a much needed holiday, break or respite from day to day life. We have created a unique and easy way for charities to provide their beneficiaries to a holiday they’ll never forget.

How it works 

Our Travel Card for Charities can be loaded with a predetermined amount to be spent on travel or holidays booked through Inspires ABTA, ATOL and IATA licensed agency.

The Inspire Travel Card can be redeemed with us online or through our call centre, offering a huge variety of holidays, weekend breaks or day trips, close to home or further afield.

Benefits for charities 

Each card given out is fully supported by a secure, audible system so that all spending can be tracked. This technology gives charities a transparent view of how and when grants are being spent.

We can even offer discounts on the pre-loaded amount on each card, so that charities can plough savings back into frontline work.

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Reviews 4.5.

1,202 total

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Worst Service

Worst Service. Would have given a zero star from my side if allowed. Been informed when tried to cancel the Hotel booking (shown as refundable so made on19th March for 30th March) that nothing would be refunded since there is a cancellation charge of 100% booking cost and mentioned in Terms and Conditions of the website. This was not mentioned while making a booking. Have spoken to 2 Customer Service Agents and not been offered any help by them at all saying customers should read terms and conditions before booking. Would avoid this company’s service in future.

Date of experience : March 22, 2024

Reply from Inspire

HI Priya I am so sorry to read this review. Sadly we are governed by the tour operators' conditions.

short break

The overall experience in trying to find somewhere suitable wasnt good. Ihad looked a lot and just didnt understand it, but in the end the guy who helped named Paul was most helpful and im so happy he came along and helped me.

Date of experience : April 15, 2024

HI Kath, I am so happy you found Paul and he was able to help - We love talking to our customers so never fear if you cant find what you need on the system please do call us - Thanks again for your comments - Team Inspire

Superb Service

Excellent service today from Keith at Inspire. Extremely helpful, professional and knowledgeable. Highly recommended.

Date of experience : June 07, 2024

Hi Lorraine , wow great feedback for Keith I will send this onto him , his level of service is always at the highest of standard and its great to hear this reflected in his review many thanks Team Inspire

He made sure all my needs was met and…

He made sure all my needs was met and even advised me for the after service . He took the time to search for what was needed and recommended on my needs

Date of experience : May 30, 2024

Thanks Katy for the feedback and taking the time to complete the review it really means a lot to Inspire thank you for your time

Amazing and very helpful

Amazing and very helpful, specially Paul went above and beyond to help me book my family break

Date of experience : May 28, 2024

Hi Joshna thank you for your lovely comments about Paul this means so much

Absolute con

Absolute con. I shall be reporting this company to trading standards. I called up to try and book flights with this company and found they wanted much more than I could book direct for. I was told they had to make money out of the flights and that is why they add money on. I was told it would be better use of my vouchers that our children bought us for xmas and birthdays to book a holiday. I advised the operator that I don't book package holidays and he advised me there was nothing he could do he was just a sales person. There are so many others saying this and I am sure the good reviews are not genuine or they don't realise they are being conned

Date of experience : April 08, 2024

Hi Tracey, I am grateful at you taking the time to comments , But I must point out that we help thousands of clients every day and our reviews are 100% genuine. we are certainly not conning anybody and would be happy to re visit this for you, Prices change all the time . Please drop us an e mail to [email protected]

Paul Warrington

Paul Warrington PWTBTMN1 was such a great help in booking our trip away today. He was helpful, professional, funny and made the process of booking quick and easy.

Date of experience : May 13, 2024

Hi Stefanie , I am delighted you found Paul to be so professional - this makes me so happy,

Holiday booking.

Ref. PWTBTMN1 After 25 minutes of waiting we were answered by Paul whom we found to be very friendly, professional and helpful. He arranged our holiday and booked everything we requested quickly and efficiently. Very happy with his professionalism.

Date of experience : April 17, 2024

HI Gus, Firstly I am so sorry you were waiting for 25 minutes that is not the usual wait time and thank you for your patience. I am glad you found Paul to be so professional and helpful its wonderful to hear and Paul will be delighted. We hope you enjoy every aspect of your trip

First class customer service…

Received first class customer service from Paul and Lindsay. They truly went above and beyond to ensure I got the exact specifications I required and spent a huge amount of time processing my vouchers.

Date of experience : May 10, 2024

Hi Donald - Looks like you got the dream team on this one - Both are a credit to the company and I am glad they helped with your vouchers, Thank you for your kind comments and I wish you a wonderful trip

Perfect booking experience

Keith (KL 1) was very supportive in the booking of our trip. The online communication went very fluently with quickly responding to the addressed questions. Finally the booking was completed via phone. We received all confirmations via e-mail after the call. Overall the experience was perfect. Thank you K!

Date of experience : April 19, 2024

Hi there , what a lovely review to read about Keith, I am so happy all communication was smooth , This makes us really happy - Thanks for taking the time to comment and we look forward to helping you with future trips.

Helpful staff, great process

The whole booking experience from beginning to now has been great. The staff are so wonderful and helpful. Kirsty today really took time to help me sort out special assistance and boarding passes. Thanks again

Date of experience : April 26, 2024

Hi Lauren, We are so thrilled Kirstie could help with your special assistance queries, Anything to make travelling easier for our lovely families makes us super happy.

I spoke with Keith and he was SO helpful

Today I spoke with Keith, he was absolutely amazing he helped me find the right but affordable package he went above and beyond and was such a pleasure to speak to! Thank you Keith for taking the time to help me choose the right holiday for my children.

Date of experience : May 01, 2024

Hi Jess, What a beautiful positive review on our lovely Keith ! I am delighted he found the perfect break for your family

The customer service advisor whose name…

The customer service advisor whose name is Paul was very helpful and professional. I thought he was very kind and patient and when I wasn't sure of something he clarified. He seems to know his job as he was telling me about the hotel booked saying its very good and such.

Date of experience : April 24, 2024

Hi thank you for the lovely comments about Paul, Paul sure knows his thing and I am glad he was able to make such great recommendations. Thank you for sharing your comments and we wish you a lovely trip

Paul listened and booked the holiday…

Paul listened and booked the holiday that I asked for quick and easy, very chatty and professional, Made the booking a great experience would definitely book again

Hi Pauline , Thank you for your kind words on Paul, He is always chatty with our lovely customers.

Utterly disgusted with this company

Utterly disgusted with this company. Clearly money making scam artists. DO NOT TRUST THEM WITH YOUR MONEY! They don't have a clue what they are doing, they have no concept of the truth or the difference between right and wrong. Currently suing them (and will win due to their incompetence).

Date of experience : February 21, 2024

Good Afternoon The Holiday Reviewer, I'm saddened to read your review as we pride ourselves on providing a positive experience for all our customers wanting to book a break. I would like to look more into your query if you can please send an email for the attention of myself, Michela, to [email protected] Please rest assured we are not scam artists and the team are all highly experienced. Thank you, Michela

First time I have used Inspire

I’ve never used Inspire before but found the process easy. Paul was friendly, helpful and understanding and I would recommend him to anyone thinking of booking a holiday. Thank you

What a lovely review to read - Thank you for choosing Inspire and I hope we can help with many trips for you in the future

Travel to Gran Canaria 10/5/23

Travel to Gran Canaria 10/5/23 Paul PWTBTMN1 made the whole process go smoothly. He did this with his overall knowledge of travel and his quiet humour. Would definitely book through inspire again.

Hi Anne, I am glad Paul got you laughing - he is certainly a character, I am so happy to hear you will use us again. I promise we will continue to look after you

Absolutely outstanding service and…

Absolutely outstanding service and Julie who I initially enquired with I booked through her due to how helpful kind and down to earth she was. The service they gave me was five star,

Date of experience : May 04, 2024

Thank you for this amazing feedback on Julie , she is truly out of this world aswell as down to earth and we really appreciate your time to submit your review thanks again

The problem Busters!

Ryan and Megan were professional and courteous. It made having a problem almost a pleasure! Concern was fixed quickly, all working well now. Thank you.

Date of experience : April 30, 2024

Thanks Paul for your amazing feedback such a pleasure to hear your problem is now resolved

1st time experience

Such a helpful reminder did not have to lift a finger. The kind gentleman whom assisted me was patient and roughly sorted the perfect short stay for me within my budget and dates that was convenient for me. I would like to thank him again but I forgot his name.

Date of experience : April 16, 2024

Hi Chy, thank you so much for your invaluable feedback and really glad we have found your perfect break within budget and we have made your 1st experience a delightful one hope you have a fab break 😊

Nomadic Matt: Travel Cheaper, Longer, Better

The Best Credit Cards for Travel Insurance

A man standing beside his luggage looking at an airport flight board

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

I talk a lot about travel insurance on this website . I know it’s not an exciting topic, but it’s the one thing I won’t leave home without.

Travel insurance has saved me — and my readers — time and time again. I’ve had my gear broken and stolen, missed flights, needed doctor’s appointments, and even needed urgent medical care abroad.

I’ve learned the hard way how vital it is — especially as a budget traveler.

Fortunately, these days, many credit cards come with travel insurance. And while I always recommend that you get comprehensive travel insurance in addition, there are a number of cards out that offer pretty robust protection at no additional cost.

If you’re thinking about getting a new credit card, or if you want to know which of your current ones you can rely on for decent insurance, here’s a list of the best credit cards with travel insurance:

Table of Contents

How Credit Card Travel Insurance Works

My top pick: chase sapphire reserve®, capital one venture x, bilt rewards mastercard, the platinum card from american express, how to use your credit card’s travel insurance, frequently asked questions about credit card travel insurance.

Travel protection offered by credit cards does not cost anything extra, although nearly all of the cards that offer such insurance — with one notable exception (see below) — come with an annual fee.

It’s one of the many reasons that getting a card with an annual fee is worth it (and why I think that avoiding cards with annual fees is one of the biggest mistakes you can make when using credit cards for travel ). If something goes wrong while you’re on the road and your card’s insurance pays for it, you’ll more than recoup the annual fee right there.

The most important thing to know is that for the insurance to kick in, you must have paid for your trip using that card. However, once you do that, you’ll be covered.

While the payout limits vary greatly, as do the conditions that need to be met before coverage kicks in, these are general categories that credit card travel insurance usually covers:

  • Trip delay: covers meals, lodging, and other expenses if your trip is delayed at least six hours (for some cards, it must be at least 12)
  • Trip cancelation and interruption: reimburses trip costs if a covered reason (such as death in the family) causes you to cancel your trip or go home early
  • Rental car insurance: in the event of an accident, covers damage to the car; injuries are not covered (primary insurance kicks in before any other insurance, while if the card offers secondary insurance, you’ll have to file with your own car insurance first)
  • Baggage: covers delay of, loss of, or damage to your baggage
  • Accident insurance: in the case of death or dismemberment, you or your beneficiaries will receive a payout

While these are categories that credit cards with the best travel insurance generally include, always read the fine print of your coverage no matter what. There’s a lot in there that can change what you’re eligible for, such as what state you live in, the length of your trip, and more.

With that in mind, here are the best credit cards for travel insurance and what they cover:  

This is my favorite premium rewards card . It offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. The Reserve also offers airport lounge access, a fantastic roster of transfer partners, and an array of statement credits.

As a Visa Infinite® card, the Chase Sapphire Reserve’s travel insurance includes the following:

  • Primary car rental insurance up to $75,000 USD
  • Travel accident insurance up to $1,000,000 USD
  • Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
  • Trip delay coverage of $500 USD after delays of six hours or more
  • Lost luggage coverage up to $3,000 USD
  • $100 per day for up to five days if your baggage is delayed
  • Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
  • Emergency evacuation insurance up to $100,000 USD

LEARN MORE —> LEARN MORE

If you don’t want to pay the high annual fee for the Reserve, the card_name offers most of the same benefits for a much lower one ($95 USD). Just note that the Preferred comes with lower payouts and more restrictions (for example, trip delay coverage doesn’t kick in until a delay of at least 12 hours). Emergency medical and evacuation insurance also isn’t covered on the Preferred. You can read my review of it here .

Additionally, if you’re eligible for a business card, the card_name has the almost the same coverage as the Chase Sapphire Preferred.  

A few years ago, Capital One overhauled its cards, and the Capital One Venture X now competes with the top brands, including some of the best travel protection around. You’ll also get a generous welcome offer, lounge access, travel credits, and a solid points-earning structure. It also offers particularly unique features: you’ll earn 2x points on every purchase, and there’s no fee for up to four authorized users.

As a Visa Infinite® card, coverage is similar to that offered by the Chase Sapphire Reserve (though it doesn’t offer baggage delay, medical, or evacuation coverage, all of which the Reserve does).

The Venture X offers these protections:

  • Trip cancelation and interruption coverage up to $2,000 USD per person, per trip
  • Up to $500 USD when travel is delayed by six hours or more
  • Lost luggage up to $3,000 USD
  • Cell phone protection up to $800 USD for repair or replacement (minus a $50 USD deductible)

If you don’t want to pay the $395 USD annual fee for the Venture X, the card_name offers solid travel protection at a lower annual fee ($95 USD), though without some significant benefits, like trip interruption, cancelation, or delay insurance.  

Bilt credit card

The Bilt Mastercard is the only credit card that allows you to earn points by paying your rent (they offer bonus points and perks every Rent Day as well). It also offers the best travel insurance you can get on a card with no annual fee.

Since Bilt is a World Elite Mastercard, you’ll get access to that suite of travel insurance benefits. Notably, it doesn’t have accident insurance or medical coverage, so you’ll want to purchase additional travel insurance that does.

Bilt’s travel insurance includes the following:

  • Auto Rental Collision Damage Waiver that allows you to get reimbursed for covered damage to or theft of your rental car
  • Trip Cancellation and Interruption Protection that allows you to get reimbursement for nonrefundable common carrier tickets in the case of trip cancellation
  • Trip Delay Reimbursement that allows you to get reimbursed for eligible expenses incurred if your trip is delayed over six hours
  • Cellular Telephone Protection up to $800 USD against damage or theft (subject to a $25 USD deductible)

—> LEARN MORE

At $695 USD per year, the Platinum Card from American Express has the highest annual fee of any consumer travel card out there, but that doesn’t necessarily translate to better benefits across the board. While the Platinum does offer great travel insurance, the Chase Sapphire Reserve handily beats it in all categories.

However, the Platinum offers emergency evacuation and medical transport coverage (with no limit on cost), which can be huge if you end up needing to take advantage of it. Evacuation and transport costs can be incredibly expensive, costing upwards of $250,000 USD!

It also offers the best lounge access of any travel card, elite status benefits, travel perks, special hotel discounts, and luxury goods and service credits.

The Platinum Card’s protections include the following:

  • Trip cancelation and interruption coverage of $10,000 USD per person, per trip (on round-trip tickets only, $20,000 per 12 consecutive month period)*
  • Trip delay coverage up to $500 USD if six hours or more (on round-trip tickets only, 2 claims per card per 12 consecutive month period)*
  • Emergency evacuation and medical transport coverage: no limit; must be coordinated via the Premium Global Assist Hotline**
  • Cell phone protection up to $800 USD minus a $50 USD deductible^
  • Lost luggage coverage up to $3,000 USD per person^^
  • Secondary car rental coverage

Ensuring that you’re covered for your trip is pretty easy. Just follow these steps:

  • Use your card (or points associated with that card) to pay for your trip (flights, rental cars, hotels, etc.).
  • Keep all receipts, and take photos of everything if you need to file a claim (just in case).
  • Submit your claim ASAP if you need to file one.
  • Always read the fine print!

Do Visa credit cards come with travel insurance? Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance. Coverage varies based on the type of card you choose.

Do credit cards automatically have travel insurance? No, which is why it’s important to know which ones do so that you can use the right card when paying for your trip. Most premium travel credit cards come with some form of insurance, but coverage does vary. Always read the fine print!

What’s the difference between credit card insurance and travel insurance? There is a lot of overlap between the two, such as trip and baggage delay coverage, trip cancelation/interruption coverage, and car rental insurance. The main difference is that standard travel insurance policies offer more comprehensive medical coverage. That’s why I always buy travel insurance before I go abroad.

How do you submit a claim for credit card insurance? Every card’s process is a bit different, but generally, you’ll need to file your claim online, including all supporting documentation. You can call the hotline on your card to get more information and to open a claim as well.

Does credit card insurance cover missed flights? It depends on the reason. Covered reasons (which depend on the card) often include a delayed flight that makes you miss your connection or an issue with your airplane or airline. But if you missed your 6am flight because you overslept, you’re out of luck.

If you’re deciding on which credit card is best for travel insurance, take a hard look at your needs so that you get the one that suits you best. If you never rent cars, you might not care about having the best car rental coverage. Maybe you care most about making sure you’re covered in the event of delays (after all, these are happening more these days). Either way, prioritize what’s important to you.

But no matter what card you get, I still recommend getting a comprehensive travel insurance policy to cover you for medical mishaps that may happen on the road. That way you’re protected no matter what happens.  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Advertiser Disclosure: “Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.”

Editorial Disclosure: “Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.”

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

**You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

^Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

^^Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (oneway or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Inspire Travel Card

terms and conditions

Terms & conditions – inspire gift cards and e-gift cards.

These Terms & Conditions cover Gift Cards and e-gift cards issued by Inspire Europe Ltd (Inspire) which may be branded as “Travel Gift Card”, “Your Travel Card”, “Travel Gift Card”, “Inspire Gift Card” or branded through an affiliate or partner. Inspire operate an ABTA, ATOL and IATA licensed travel agency. Bookings made with Inspire using the Gift Cards and e-gift cards as forms of payment are also subject to the booking Terms & Conditions which are made available at time of booking.

Period of validity

Gift cards and e-gift cards are valid for a period of up to 18 months from date of issuance, unless a shorter validity is printed on the card or advised to you upon issuance of the Gift Card or e-gift card in which case the shortest validity date applies.

Balance enquiries and card validity can be obtained online or by calling the number displayed on the card or the e-gift card. Alternatively, these can also be obtained by calling +44 (0)161 440 6620.

Gift cards and e-gift cards should be treated as cash; they are not cheque guarantee, credit or charge cards. Inspire will not accept liability for lost, stolen or damaged cards or e-gift cards.

Gift cards and e-gift cards can be used as a form of payment using the methods shown on the gift card or e-gift card for new travel bookings sold by Inspire only and cannot be used in conjunction with any other travel provider, travel voucher or promotion.

Flight only, Cruise, Eurotunnel or Ferry products cannot be booked when using a Gift Card and e-gift card as a form of payment. Further travel product limitations may apply, details of such additional limitations are printed on the gift card or provided when the e-gift card is purchased through a card distributor or reseller.

Gift cards and e-gift cards may be used to make new bookings for travel products of a higher price than the amount on the card, on payment of the difference.

Cards can only be redeemed on new bookings and cannot be exchanged for cash or used to pay any other products, outstanding balances on an existing booking or to buy another gift card or e-gift card.

If a booking with a gift card or e-gift card is subsequently changed or cancelled, any money owing will be refunded back to the original form of payment(s) used to make the booking. Illustrative Example: a calculated refund of £ 600 due to cancellation on a £1,000 payment for a booking, where £200 (20%) was paid with a Gift Card, and £800 (80%) was paid on a credit card, would result in £120 (20% of calculated refund amount) refund on to the original gift card used on the booking and £480 (80% of calculated refund amount) refund back to the original payment card used.

If you do not spend the entire balance on the gift card / e-gift card, the remaining balance will be updated after each transaction.

Cancellation

Gift cards and e-gift cards cannot be returned or refunded.

Changes to the Gift Card Terms and Conditions

Inspire Europe Ltd reserves the right to amend the terms and conditions of gift cards and e-gift cards at any time and to take appropriate action, including the cancellation of the card, if, in its discretion, it deems such action necessary.

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© Copyright 2021, Inspire Europe Ltd. Victoria House. 19 to 21 Ack Lane, Bramhall, Cheshire. SK7 2BE.

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COMMENTS

  1. Inspire Reviews

    Inspire is an ABTA licensed travel agency and tour operator based in Bramhall, Cheshire. As an ABTA license holder, we are able to offer both package holidays from the most well-known and trusted travel providers in the UK and Europe as well as dynamically packaging and tailor-making trips for our customers.

  2. Inspire Reviews

    Read 1 more review about Inspire. Isabel Hopkins. 3 reviews. GB. May 21, 2024. ... If you do get or asked if you want a travel card say no. Have the cash instead because you can go directly to the company (jet2 etc etc) and get your holiday hundreds of pounds less. Date of experience: May 08, 2024.

  3. TravelCard by Inspire

    TravelCard by Inspire. TravelCard by Inspire is a prepaid gift card that can be redeemed with us here on travelbyinspire.co.uk. With this card, you'll have complete access to the great range of travel options we have available at Travel by Inspire. Most of these can be booked online but we offer even more choice if you decide to call our UK ...

  4. Inspire Reviews

    I wish i had checked the reviews … I wish i had checked the reviews and T&C's before i added funds to a voucher card. I was given a reward of £400 by my company for 40 years service which had to be used with a shortlist of companies of which Inspire travel was one, so thought it made sense to use it towards some flights i was due to book.

  5. Best Travel Credit Cards of June 2024

    Best no-annual-fee travel credit card: Capital One VentureOne Rewards Credit Card ( rates and fees) Best for spending at hotels: Wells Fargo Autograph Journey℠ Visa® Card. Best for travel ...

  6. Inspire Reviews

    Check out what 1,152 people have written so far, and share your own experience. | Read 1,121-1,124 Reviews out of 1,124. Do you agree with Inspire's TrustScore? Voice your opinion today and hear what 1,152 customers have already said. ... Travel Agency; Inspire; Overview Reviews About.

  7. Inspire Reviews

    Inspire Reviews 1,181 ... He was also very patient with putting through all my travel cards to cover the total cost of the booking. Would definitely recommend him! Date of experience: ... Inspire is an ABTA licensed travel agency and tour operator based in Bramhall, Cheshire. As an ABTA license holder, we are able to offer both package holidays ...

  8. Inspire Reviews

    Overview Reviews About. Inspire Reviews 856 • Great. 4.2

  9. Get rewards and benefits with the Inspire Travel Card

    Our Travel Card is flexible, it comes in physical form or an e-voucher making it the perfect gift. The cards are preloaded with a chosen amount and the recipient can then book anything from a short UK break to a long haul, tropical adventure. Learn More. The sky's the limit. We're shaking up the world of employee incentives, rewards and ...

  10. Travel By Inspire

    Travel By Inspire - Your Travel Card vouchers. I have been lucky, or maybe, very unlucky, to have gained a substantial amount of these gift cards. I did ask friends and family to get them for gifts as the cards show the logos of all the major operators, Thompson , 1st Choice, Kuoni, Easyjet, Thomas Cook, etc.thinking I was increasing my options.

  11. Inspire Reviews

    Inspire is an ABTA licensed travel agency and tour operator based in Bramhall, Cheshire. As an ABTA license holder, we are able to offer both package holidays from the most well-known and trusted travel providers in the UK and Europe as well as dynamically packaging and tailor-making trips for our customers.

  12. - Inspire

    The Inspire Travel Card is a physical card or e-voucher that can be loaded with a pre-determined amount, which can then be spent on travel or holidays through Inspire's fully ABTA, IATA and ATOL licensed agency. Travel can be booked online or through our UK based call centre. Inspire offers a huge variety of holidays, weekend breaks and day ...

  13. Best Travel Credit Cards of June 2024

    Capital One Venture Rewards Credit Card. Bankrate score. 4.9. Bankrate review. Recommended credit score: 670 - 850. Apply now. on Capital One's secure site. See Rates & Fees. Intro offer.

  14. Inspire Reviews

    Do you agree with Inspire's 4-star rating? Check out what 732 people have written so far, and share your own experience. | Read 61-80 Reviews out of 715

  15. Best Travel Credit Cards of June 2024

    Best for luxury travel: Chase Sapphire Reserve®. Best secured travel card: Discover it® Secured Credit Card. Best for fair credit: Credit One Bank Wander® Card. Best for low interest: First ...

  16. Best credit cards for international travel 2024

    The best credit cards for international travel in 2024: Best overall: Chase Sapphire Preferred® Card. Best for luxury travel perks: The Platinum Card® from American Express *. Best for travel insurance: Chase Sapphire Reserve®. Best for tours and activities: Capital One Venture Rewards Credit Card. Best for dining around the world: American ...

  17. Intelligent Traveler: Credit Card Points, Airline ...

    Since 1971, Travel + Leisure editors have followed one mission: to inform, inspire, and guide travelers to have deeper, more meaningful experiences. ... and These Are the 4 Travel Credit Cards I ...

  18. Inspire Travel Card for Charities

    The Inspire Travel Card can be redeemed with us online or through our call centre, offering a huge variety of holidays, weekend breaks or day trips, close to home or further afield. Benefits for charities. Each card given out is fully supported by a secure, audible system so that all spending can be tracked. This technology gives charities a ...

  19. Inspire Reviews

    Read 1 more review about Inspire. CB. Charlene Berry. 2 reviews. GB. May 6, 2024. Great customer service . ... we are able to offer both package holidays from the most well-known and trusted travel providers in the UK and Europe as well as dynamically packaging and tailor-making trips for our customers. Contact. [email protected]; 0161 ...

  20. Inspire Travel

    View customer reviews of Inspire Travel. Leave a review and share your experience with the BBB and Inspire Travel.

  21. The Best Credit Cards for Travel Insurance (Updated 2024)

    Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance. Coverage varies based on the type of card you choose.

  22. Terms and Conditions

    Gift cards and e-gift cards can be used as a form of payment using the methods shown on the gift card or e-gift card for new travel bookings sold by Inspire only and cannot be used in conjunction with any other travel provider, travel voucher or promotion. Flight only, Cruise, Eurotunnel or Ferry products cannot be booked when using a Gift Card ...