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The Complete Guide to Traveling to Cuba as an American

Everything you need to know about traveling to cuba as an american.

Didn’t think you could visit Cuba as an American? Well, I’m here with some good news! President Biden lightened restrictions on Trump-era policies for Americans entering Cuba so it is perfectly legal to visit Cuba in 2023, provided you meet a few requirements. I traveled to Cuba from the USA in February 2023 from Philadelphia to Havana with a layover in Miami so here’s what I learned from my trip. Just like visiting Myanmar with confusing travel regulations, the key is to know what exactly to prepare in advance traveling to Cuba as an American. Now let’s get to what you need to know:

Traveling to Cuba Legally As an American

There are restrictions traveling to Cuba on:

➡️ All US Citizens and Permanent Residents

➡️ Any person traveling from the USA to Cuba (directly or in transit)

US Citizens and permanent residents cannot visit Cuba explicitly as “tourists.” The difficulties surrounding travel to Cuba as a US passport holder is imposed by the US Government as a consequence of the US Embargo against Cuba.

One of my meaningful activities was taking a private cooking lesson with Hostel Milagros in Trinidad. It even doubled as a Spanish Language Exchange.

If you like cooking classes in different countries, read about my experience booking a Cooking Class in Nyaungshwe, Myanmar.

So, if you want to travel to Cuba, your trip must fall under 12 categories of authorized travel to Cuba known as a general license. Most Americans’ trips will qualify under the “Support For The Cuban People” reason. In order to meet this guideline, you must have a full schedule of activities that demonstrates you are meaningfully interacting with local people and that you are supporting private businesses (and under no circumstances can you support any government-run entities). It will also be your personal responsibility to keep a record of your daily activities while in Cuba, including the names of the businesses you visit and your expenditures, as the US government reserves the right to audit your trip for up to five years. Also, bear in mind that as an American, you can only fly to Cuba. You cannot enter the country via a cruise ship.

This trip to Cuba exceeded every expectation I had for it! I’m so glad I went and all the prep work was worth it!

Checklist: What to Prepare for Your Trip to Cuba

✅ Roundtrip Ticket or Onward Flight ✅ DViajeros QR Code ✅ Affidavit for Travel ✅ Turista SIM Card ✅ Cuban Tourist Card (Cuban Visa) ✅ Booked Accommodations ✅ US Dollars in Cash (~$100 per day) ✅ A Copy of your Itinerary ✅ Valid US Passport with 6+ months

Buying a Flight to Cuba from the USA

You will need proof of return for visa purposes so make sure to buy a roundtrip ticket or have onward travel from Cuba if you are buying one-way. All flights from the USA will include travel insurance. Travel insurance is a requirement for all visitors entering Cuba.

Pro-tip: You cannot check-in online if you have a ticket to Cuba so make sure to go to the front desk and show all your paperwork in advance.

I flew with American Airlines but you can also fly with jetBlue, United, and Southwest. Delta will resume operations in April 2023.

The Cuban Tourist Card

Traveling to Cuba as an American requires a Cuban Tourist Card (the equivalent of a visa). This can be ordered in advance and they do overnight shipping. Or you can get it right at the gate, with the “Cuba Ready” tourist card stand popping up an hour before boarding. I traveled with American Airlines to Cuba and paid $100 for the visa at my gate. It took less than 5 minutes since I had a “Cuba Ready” green sticker on my ticket from showing all the required documents at check-in. No joke, this was the easiest visa process I’ve ever been through and you don’t need extra time at the airport to get your visa. Flights from the USA receive a pink visa that you will fill out yourself.

The tourist card is what is stamped upon arrival and you must keep the two tourist visas with you at all times since this is what is collected upon departure. The best way to figure out your visa needs is through the airlines’ website. DO NOT   call an airline call center about the Cuban visa due to misinformation.  See the following carriers’ websites for accurate details on purchasing your visa:

✈️ American Airlines ✈️ jetBlue ✈️ Southwest Airlines ✈️ United ✈️ Delta will resume flights beginning April 10, 2023

This is what my boarding pass and the pink Cuba Tourist Card looks like for Americans.

Money and Finances

Start withdrawing USD well in advance. I budgeted around $100 per day and brought $200 as emergency funds. I cannot stress this enough–bring more money than you think you need!!! As an American, you will not be able to pay using a credit card or debit card and you will not be able to withdraw money from the ATM as well. In fact, you won’t be able to access any financial accounts from Cuba, even with a private VPN. This includes mobile banking applications, Paypal, Venmo, CashApp, etc. Make sure to notify your banks about your Cuba travel dates to avoid fraudulent activity while you’re out of the country and cannot access your accounts.

Pro-tip: If you have access to withdraw from Chase ATMs, they allow you to choose the types of bills you need. I found that $5 bills went the furthest in Cuba for tips, meals, and shopping. Locals cannot really use $1 bills so they’ll ask to exchange money with you too for $5 notes.

This is what $100 USD looks like in CUP, the Cuban peso also known as moneda nacional. Having enough cash to last the trip is crucial, especially if you’re traveling solo or without a tour group.

Accommodations

When checking into your flight, you will be asked to provide an address of where you’ll be staying in Cuba. You will most likely stay at a Casa Particulares (i.e. a homestay), which is great not only for the cultural exchange aspect, but you’ll also be giving money directly to a Cuban person. Make sure you have the address of your casa screenshotted for quick reference. Americans are not allowed to stay in hotels as they are typically government-owned entities.

The Puerto del Sol Casa in Cienfuegos

The rooms at Casa Neyde in Vinales. All the casas I stayed at in Cuba had private bathrooms and air conditioners.

DViajeros Immigration QR Code (48 hours before departure)

As of January 2023, filling out the Cuba immigration and health declaration form is MANDATORY. This form is found on the DViajeros website . The form will only be active 48 hours before your departure so if you do it before that time, it will not work.

When filling out the form, here are some helpful tips:

• The QR Code is the most important thing to have in hand. Once you complete the form, screenshot the confirmation page with the QR code as the website sometimes doesn’t send the confirmation page to your email.
• Some airlines will ask for the QR code prior to boarding. In my experience flying with American Airlines, having the QR code along with my return flight and the address for my casa right while I was checking in afforded me a green sticker saying all my documents were verified and therefore made it that much easier to get my tourist visa right at the gate.
• In the upper right hand corner under ‘Lenguaje,’ you can change the website to English.
• Unless you are bringing items for commercial purposes or $5,000 worth of “gifts” (avoid using the word donations), you will not have anything to declare

Don’t forget to screenshot the QR code page just in case you don’t get the email!

Affidavit for Travel

The affidavit for travel is essentially a letter that clearly states your purpose for traveling to Cuba as an American. I like Copa Airlines’ easy template but if you opt to book with a tour group, they  should supply you with a template as well.

If you’re looking to purchase a tourist SIM card at the airport, you must order it in advance from SuenaCuba at least 24 hours before your departure. The Cubacel Tourist SIM Card is the only SIM card for tourists and is $35 for 6GB of data, 100 min talk time, and 100 SMS messages. The SIM card is good for 30 days after activation. You can top up mobile data online only but not calls or SMS. As a reminder, your phone must also be unlocked.

To pick it up, you must present your passport and the 12-digit confirmation code that is emailed it to you. There are three spots to pick up your SIM card in Havana:

📍 At Jose Marti Airport in Terminal 3, you’ll see the Infotur stand to your right before you pass immigration in the baggage claim area. This stand is open 24/7 (according to the website). 📍 The Etesca Office right across the airport entrance next to the parking lot. 📍 At any Etesca commercial office in the city (open 9 AM to 4 PM).

When they installed my SIM card, they had to tinker with the settings by adding login credentials on my iPhone 11 to get service. If you have the same issue, go to “Settings > Cellular > Cellular Data Network” and insert these login credentials to activate your service:

This is what the login credentials looked like in my iPhone.

Pro-tip for IOS Users: The SIM card doesn’t play nicely with iphones so don’t bee too dependent on it. Also make sure to turn off cellular data on background applications, especially iCloud photo uploads or it will use all your GB. You have been warned! The data you get from your cellphone is basic data and is very unstable but it is enough to contact family and friends, as well as check emails and social media.

How  I Planned My “Support For The Cuban People” Trip

I booked an 8 Day Tour for Women through Cuban Adventures to ensure my itinerary focused on local and cultural immersion and that I supported independent economic activity, particularly those of female entrepreneurs. Cuban Adventures is one of the longest running Cuba travel specialists and they are very well-connected in the country. Not to worry, you can travel independently; but most important thing to know is which businesses are on the US government’s Restricted List .

The Cuban Adventures Women’s Only Tour works with female entrepreneurs in Cuba.

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Millette Stambaugh

Filipina-American Millette Stambaugh is a thirty-something former expat who has traded her nomadic ways for Philadelphia living. Corporate worker by day, content creator by night, Millette specializes in visual storytelling and joyful journeys and wants to help others find their "next somewheres." Follow her escapades on Instagram, Youtube, and Tiktok @thenextsomewhere.

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SamH Travels

There is a lot to think about when visiting Cuba and this really useful post ensures that we have it covered. Thank you for sharing

This is such a helpful post! I have never been to Cuba before, but if I ever visited, this post would be so helpful. I love your pictures too! Thanks for sharing.

That is a lot of very useful information in planning a trip to Cuba. I have never been there. But someday this might be really helpful for me.

Great photos! I love the colors 🙂

I’ve always known that Cuba was tough to travel to but this post is so helpful in case if I do want to go in the future! Thanks for sharing!

These photos are cuteeeee, but more than that the information is so helpful for anyone planning a Cuban getaway!

This was so helpful. I am traveling solo in April and was concerned about the limited Wifi thanks for explaning how to get data!

My pleasure! So happy to hear that this post cleared up any confusion! Believe me, it’s hard to get a clear answer of the wifi experience but I also realized that wifi is more readily available in some cities than others. Like for example in Trinidad, most casas and restaurants have free wifi but in Havana, you have to find the wifi spots at the parks and have your Etesca WIFI card.

also going in mid april…..PLEASE contact my dear friend who we visit more than twice a year. I am American Roberto is Havana born. Previous he was VIP concierge for visiting diplomatics. Contact ROBERTO IBARRA on wazup or or messenger PHONE (53) 5253 0653, contact me if you have any questions….

Thank you for the heads up regarding the mandatory immigration & health declarations. Headed to Havana next month & almost have all my ducks in a row.

I’m so happy to hear that Lizzie! You’re going to have the best time!

Lizzie, this is the best summary of the requirements that I have found. The link to the Copa Airlines declaration didn’t work but I was able to find it by searching Google for “copa airlines cuba template”. Do you know of any templates I might copy for my itinerary?

Thanks for the very helpful post! I have question. We know many Americans travel only for the tourist purposes. What would be the best category to use if the visit is for a week and there are only some dance classes in the tour plan( which is clear is for fun) what kind of document we need to show to the U.S . Officials?

Hi Mary! If you’re doing dance classes with locals, you would list your category as “Support for the Cuban People.” It’s always smart to bring your itinerary to show that the dance class you’re doing is with an local vendor and also make sure you’re staying at a casa particulare. Please refer to the “Checklist: What to Prepare for Your Trip to Cuba” section to see what documents you need 🙂 PS – I also did a dance class too and LOVED it!

Awesome blog! Love the details. Can you tell us more on how you got around (transportation wise) and any Covid regulations you had to deal with throughout your trip.

Hi Jennifer! There weren’t any covid regulations in place but I would say that any traveler going to Cuba should bring a basic medical kit (e.g. nyquil + dayquil, tylenol, etc) since western medicine is pretty impossible to find and it’s great to giveaway. And transportation was included in my tour package but I do have the number of a for-hire driver. In Havana, you’ll see plenty of taxis although popular areas much later at night, you’ll find taxis harder to come by. Just make sure you negotiate a cost in advance before taking your ride so you don’t get taken advantage of.

Hi there, I’m a male. Do you have any links that can help me, especially with the “support for the Cuban people” part? I’ll like to visit as a solo traveler. Thanks!

Best regards, Manny

Hi Manny! Here’s a great link that shows you what type of activities you can do so that you meet the requirement of Supporting The Cuban People: https://hometohavana.com/blog/support-the-cuban-people-itinerary-activities .

Hoping to travel there with husband and two very little ones this coming year. Any tips for traveling with kids and/or recommendations for your operators beyond the one you used? Thanks!

I unfortunately don’t know much about family travel in Cuba but I will say that I did see a ton of families visiting with little ones. There aren’t many sidewalks which makes strollers quite difficult to maneuver so I saw most parents carrying their children in carriers. The beach destinations like Varadero and Trinidad are great for visiting families. Milk is scarce in the country so if you have children, prepare for foods and snacks because basic amenities are hard to come by. Hope this helps Sarah 🙂

This was so detailed! Very helpful. Thank you!

So happy to hear you found this useful! Enjoy your trip!

Link for Affidavit for Travel is broke, new link: https://www.copaair.com/assets/Affidavit-for-Travel-to-Cuba-7-aug-2023-EN.pdf

Thank you so much for letting me know it’s broken! I appreciate your help keeping this information updated 🙂

thank you so very much for this post. i look forward to booking a trip with the ladies tour group this year. I appreciate your efforts to help us have an awesome trip.

Hi Millette!

Thanks for the great post! My Dad and I are planning to visit Cuba next month (we are Americans, I live in Miami).

You mentioned being able to travel independently, however, you were with a tour group. If we book a place to stay through AirBnb and the local excursions through AirBnb Experiences, is that OK and holds up as supporting the local Cuban people? We don’t plan to use a tour group, but do plan to book tours with locals, but am hoping AirBnB as an OK medium to do so!

Thanks for any tips!

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Can Americans Travel to Cuba? [2024 Legal Cuba Travel Guide]

I’m an American citizen who travels to Cuba all the time, so “can Americans travel to Cuba?” is one of the questions I’m most frequently asked related to Cuba travel. While many Americans believe that Cuba is still “off-limits” to American citizens, this couldn’t be further from the truth; there are many ways to legally travel to Cuba for American citizens.

Want to travel to Cuba from the United States – as a U.S. citizen or otherwise? Our ultimate guide to Cuba travel for Americans will show you how, answering some of the most common questions about Cuba travel safety , Support for the Cuban People travel , and more.

This post contains affiliate links that may reward me monetarily or otherwise when you use them to make qualifying purchases – at no cost to you. As an Amazon Associate, I earn from qualifying purchases. For more information, please read our  disclosure policy .

American Travel to Cuba

The short answer to the question “can Americans travel to Cuba” is YES, American citizens can travel to Cuba.

Non-U.S. citizens are allowed to travel to Cuba via the United States as well. American citizens can fly from the United States directly to Cuba, travel independently (no need for a group trip or guided trip here!), and enjoy Cuba just as they would any other travel destination.

The longer answer to the question “can Americans travel to Cuba” is that while legal travel to Cuba is entirely possible and even quite easy, there are some important regulations around American travel to Cuba that travelers should be aware of.

U.S.-Cuba Policy Changes

For years, U.S.-Cuba travel by citizens of the United States has been restricted in many ways. In 2014, President Obama announced a new way forward in the relationship between the United States and Cuba, including lifting many of the travel restrictions that made it quite challenging for U.S. citizens to travel to Cuba.

While the subsequent Trump and Biden administrations have made slight changes to Obama’s new policies, Obama’s new Cuba policies remain mostly intact. Americans can still travel to Cuba more easily than they’ve been able to in decades .

Cuba Travel 101

• Currency in Cuba: A Local’s Guide for Travelers
• How to Get Wifi in Cuba [Updated!]
• Is Cuba Safe? Updated Cuba Safety Guide
• Ultimate Cuba Travel Guide – A Local’s Advice for Travelers

Can Americans Travel to Cuba?

Here’s why so many travelers ask us, “can Americans travel to Cuba?” – because Americans are still not able to legally travel to Cuba purely as “tourists.” Americans must still have a “reason” for traveling to Cuba.

Currently, the U.S. government doesn’t allow American citizens to Cuba as tourists. However, the U.S. government allows American citizens to travel to Cuba so long as they support local, non-government-owned businesses while in Cuba.

Essentially, yes, you can visit Cuba and travel exactly as you would anywhere else. Just avoid government-run hotels, restaurants, and tours while you’re there. This is actually incredibly easy, as all the best things to do in Cuba and the best places to visit in Cuba are local anyway!

So why might it feel like Americans can’t travel to Cuba (when it’s actually quite easy to travel to Cuba)? Americans must give a “reason” for traveling to Cuba – usually when purchasing an airline ticket or booking a hotel room.

How Can Americans Travel to Cuba?

You’ll probably need to check a box when purchasing your airline ticket asking for your “reason” for traveling to Cuba. No need to get nervous; this is easy – by stating that your trip to Cuba is in “ Support for the Cuban People ,” you’re simply acknowledging that while in Cuba, you won’t be staying at government-run hotels and the like.

It’s really that easy. Check a box on a form, and travel to Cuba.

Former President Obama’s policy changes towards travel to Cuba made this possible by creating 12 categories of authorized travel to Cuba , travel that is permitted by the U.S. government for American citizens looking to travel to Cuba. Now it’s as easy as checking a box and booking your airline ticket!

Best Places To Stay in Havana

• Casa Giraldilla ($) 
• Casa Flamboyan ($ – $$) 
• Residencia Santa Clara ($$) 
• El Candil Boutique Hotel ($$ – $$$) 
• La Reserva Vedado ($$$) 

12 Categories of Authorized Travel to Cuba

Now when traveling to Cuba, you simply choose one of these twelve categories of authorized travel to Cuba that applies to your trip. Most travelers’ trips fall under the Support for the Cuban People category of authorized travel, which allows for travel to Cuba so long as it supports local businesses.

These are the Twelve Authorized Categories of travel to Cuba:

• Family visits
• Official business of the U.S. government, foreign governments, and international organizations;
• Journalistic activity;
• Professional research and professional meetings;
• Educational activities;
• Religious activities;
• Public performances, clinics, workshops, athletic and other competitions, and exhibitions;
• Support for the Cuban People ;
• Humanitarian projects;
• Activities of private foundations or research or educational institutes;
• Exportation, importation, or transmission of information or informational materials;
• Certain export transactions.

When you book your airline ticket to Cuba or book your accommodations in Cuba in advance, you may be asked your “reason” for traveling to Cuba. It’s as simple as stating “Support for the Cuban People.”

Read More: Support for the Cuban People Travel Guide

Support for the Cuban People

Most travelers looking to experience Cuba need to only offer “ Support for the Cuban People ” as their “reason” for traveling to Cuba. When you do this, it means you’re saying to the U.S. government that you acknowledge that you’re planning to spend your travel dollars with local, non-government-run businesses while you’re in Cuba – that’s it!

This is stuff that you’d be doing on a trip to Cuba anyway – which is what makes it so easy to travel normally this way.

Stay at a casa particular (room for rent or apartment for rent owned by a Cuban, Airbnb style) or a small boutique hotel, meet up with local guides, eat at any of the innovative new restaurants around the island , or experience Cuba from a local’s eyes. This is all permitted and encouraged on a “Support for the Cuban People” trip.

Travel Insurance

Cuba requires that all travelers have proof of a comprehensive travel insurance policy in order to enter the country. Check out our guide to travel insurance for Cuba for more details. We recommend these brands for Cuba travel insurance:

• Visitors Coverage : Coverage for Cuba travel available to citizens of all countries, though not currently available to residents of New York and Maryland in the United States.
• Insubuy : Coverage for Cuba travel available to citizens of all countries and states of the United States.

Regulations on American Travel to Cuba

While many continue to ask, “ can Americans travel to Cuba ?” – one of our most frequently asked questions on this website! – the answer is yes, and with these new regulations, it’s easier than ever.

However, keep in mind that some travel regulations put in place by the U.S. government still apply to American travelers visiting Cuba. These include:

• American citizens are no longer able to bring rum or cigars back from Cuba ;
• American citizens are now prohibited (by the U.S. government – not the Cuban government) from staying at a variety of hotels in Cuba ;
• Some methods of traveling to Cuba, such as “ people to people Cuba ” travel organized tours and the ability to travel to Cuba by cruise, have been scaled back or eliminated.

Read on for some of the regulations on travel to Cuba that Americans should be aware of during their trip.

Restricted Hotels in Cuba

One of the newer travel restrictions for Americans traveling to Cuba relates to places where American citizens are not allowed to stay while visiting Cuba. The Trump Administration developed a list of specific hotels and guesthouses that are either partially or entirely owned by the Cuban government and declared them off-limits to American travelers.

Check out the full list here before you book your accommodations in Cuba.

Some newspapers and websites have been incorrectly reporting that Americans are not allowed to stay in any hotel in Cuba, but this is not actually the case. Americans are just prohibited from staying in certain hotels that are owned entirely or partially by the Cuban government.

There are many boutique hotels with private ownership where Americans are still able to stay, plus private rentals called “casas particulares” or private home rentals like Airbnbs. In fact, some of our favorite hotels in Havana and around the country are still open and ready for business for American travelers ( La Reserva Vedado , La Rosa de Ortega , El Candil Boutique Hotel , and plenty of other Old Havana hotels are among our favorites in the capital).

Read More: Accommodation Guides in Cuba

• What is a Casa Particular Guest House in Cuba?
• Where To Stay in Havana, Cuba
• 10+ Best Resorts in Cuba
• 16+ Best Hotels in Cuba

Financial Restrictions in Cuba

It’s very important that American travelers to Cuba be aware of the financial and banking restrictions they will experience while traveling in Cuba. Because of the decades-long U.S. embargo against Cuba, American debit cards and credit cards will not work on the island as they do for those traveling from any other country .

That means that while American citizens can travel to Cuba, they can’t access their money from Cuba. This is quite important, as it means that if plan to travel to Cuba, you need to plan ahead and bring the money you’ll need for your trip with you in cash .

You can bring American dollars and convert them into Cuban pesos once you arrive in Cuba. Please read our complete Cuban currency guide before doing this – you’ll see why it’s not wise to exchange your money for Cuban pesos at the airport, for example, and learn how much money to bring with you on your trip to Cuba.

Read More: Financial Restrictions in Cuba

• The Ultimate Guide to Currency in Cuba
• Budget Your Trip: How Much Money To Plan To Bring to Cuba

Internet Restrictions in Cuba

There are no internet restrictions in Cuba that are specific to American travelers. However, it’s important to be aware of some important internet-related challenges in Cuba.

We get a lot of questions about whether there is internet access in Cuba , and if there is, if it’s safe to use or restricted by the government.

While the internet in Cuba is slower than you may be used to, it is now quite widespread and is pretty easy to use in most places in Cuba. Some websites are blocked in Cuba , and there have even been widespread internet outages during times of social unrest, though these blockages have mostly been of news websites that have been critical of the Cuban government.

However, the United States embargo of Cuba and the related financial and economic restrictions on U.S. companies doing business in Cuba means that some companies can’t offer their services to internet users in Cuba (notably, PayPal and many other banking apps, but the list changes) . You will not be able to access these websites from Cuba.

You can easily get around this if you want by using a VPN (Virtual Private Network) in Cuba . We recommend NordVPN – it’s by far the best VPN to use in Cuba But, even without a VPN, you can still use the internet in Cuba without too much of a hassle.

Read More: How To Use the Internet in Cuba: A Local’s Guide For Travelers

Read More: Internet in Cuba

• Guide to Using the Internet + Getting Wifi in Cuba
• Best VPN For Cuba ( + How to Use a VPN in Cuba)

Packing Restrictions in Cuba

There are some limitations worth noting about what you can bring into Cuba. While most are quite obvious – the usual dangerous substances and the like – there are a few rules for packing for Cuba , both for travelers from the United States and elsewhere :

• Travelers can not bring drones to Cuba
• Travelers can not bring devices like walkie-talkies, satellite phones, or GPS devices. Any personal computers, cell phones, cameras, or any other devices you normally travel with are absolutely fine – no worries here.
• Avoid bringing any literature to Cuba that may be seen as critical of the Cuban government. My brother was once held up in customs for bringing a university textbook with Donald Trump on the cover.

What to Pack for Cuba

Check out our  Ultimate Cuba Packing List   to help you pack for your trip – we’re sharing exactly what to bring to Cuba and what we never travel without.

American Travel to Cuba – Frequently Asked Questions

Can americans fly to cuba.

Yes – Americans can fly to Cuba! American citizens can fly to Cuba either from the United States directly or from other countries. Flights to Cuba leave regularly from many of America’s largest cities like Miami, Ft. Lauderdale, Atlanta, and New York.

We frequently get the “can Americans fly to Cuba?” question because when travel to Cuba was more restricted, many Americans used to fly to Cuba through Canada or Mexico as a way to skirt travel restrictions .

However, flying to Cuba via another country like Mexico or Canada is no longer a necessity. Obama’s Cuba policy changes allowed many more American citizens to travel to Cuba much more easily, kicking off many more flights to Cuba from the United States.

Do Americans Have to Travel to Cuba With A Group?

One of the most popular ways to travel to Cuba prior to the Cuba travel policy changes of former President Obama was with a “people-to-people” group or as part of an educational tour. However, with the ease of traveling to Cuba from the United States now, these group travel to Cuba experiences are no longer a necessity to visit the island.

While there are groups that travel to Cuba and tout the ease of traveling to Cuba by purchasing a spot on a group trip doing so, it isn’t necessary to travel to Cuba with a group . Feel free to travel to Cuba with a group if this is your preferred style of travel – or plan your trip to Cuba independently, too!

Looking for some engaging tours in Cuba, ways to meet up with local guides, or fun activities and excursions in Cuba? We recommend Civitatis , a fantastic company we’ve used countless times before that runs tours with local guides all around Cuba.

Is Cuba Safe for Americans?

While Cuba isn’t crime free, Cuba is a safe travel destination for all travelers, including American travelers. Statistics prove Cuba is quite a safe destination for travelers, and my own experience exploring Cuba, even as a solo female traveler, confirms it.

In all my years of visiting Cuba, I’ve never been met with anything other than curiosity when people leave I’m from the United States. While many Cubans disapprove of the government of the United States, I’ve never met a single Cuban who holds this against the average American citizen.

Overall, Cuba is safe for Americans , and as a traveler, you have absolutely nothing to fear while visiting.

Read More: Is Cuba Safe for Americans?

Travel Essential

Don’t think about traveling to Cuba without a good  VPN (Virtual Private Network) . Using a VPN while connecting to the internet is an easy way to keep your personal information safe from hackers and trackers.  We’ve used  NordVPN  for years and couldn’t recommend it more – it’s a must for safety online, especially in Cuba. 

American Embassy in Cuba

Part of the policy changes of former President Obama in 2014 paved the way for reopening the United States Embassy in Cuba after nearly 60 years of closure. The American Embassy in Cuba offers emergency services to American citizens traveling in Cuba, including assistance with lost passports, registering births abroad, and more.

Located prominently along the Malecón sea wall in central Havana, the American Embassy in Cuba is currently providing services to American citizens and has just started providing limited services to Cuban citizens seeking visas to the United States.

As a U.S. traveler to Cuba, you should save the address and contact information for the embassy just in case you need it:

U.S. Embassy Havana Malecón, Calzada between L & M, Vedado Havana, Cuba Phone: (53)(7) 839-4100

Travel to Cuba

There are so many things to do in Cuba – much more than laying on the beach and riding in old, classic American cars.

Anything from taking a guided tour of Havana to eating at a restaurant operated as a small business or taking salsa classes are ways to enjoy Cuba. And guess what – all of these things are perfectly legal – and welcome! – when you travel to Cuba as part of a Support for the Cuban People trip.

For more travel ideas, we put together a guide to the top ten activities in Cuba for a Support for the Cuban People trip with our favorite ideas for a fantastic trip! Go ahead – get started planning your once-in-a-lifetime trip to Cuba! As always, we’ll be here to help you get started.

Carley Rojas Avila

Carley Rojas Avila is a bilingual travel writer, editor, content marketer, and the founder of the digital travel publications Home to Havana and Explorers Away. She is a serial expat and traveler, having visited 40+ countries and counting. Carley has written for publications like Travel + Leisure, MSN, Associated Press, Weather Channel, Wealth of Geeks, and more. Find her front row at a Bad Bunny concert, befriending street cats, and taste-testing every pizza in Havana.

Cuba Travel Guide for U.S. Citizens: What to Know Before You Go (Updated 2023)

Feb 3, 2023 | Caribbean , Destinations | 0 comments

Planning this trip to Cuba was the most challenging thing I’ve done to date in the name of travel. Out of all 26 countries, thousands of miles, from 5 years of traveling the world.

Once we landed in Havana, I knew that this place was unlike any I’d visited before.

Had I allowed the logistical challenge of traveling to Cuba as a US citizen deter me from visiting this country, it would have been my greatest mistake.

This Cuba travel guide for US citizens is up to date as of early 2023, based on my experience traveling to Cuba in December 2022.

In this post, I will cover Cuba travel FAQ and share how to visit Cuba legally as a US citizen or from a US airport.

Before you read, please note that there are sanctions from the U.S. government that restrict travel to Cuba.

It is the responsibility of each visitor to follow all laws and regulations, at home and abroad.

This website has a limitation of liability policy that applies to all posts, which you can read here .

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Can Americans Travel to Cuba?

Yes. And you can even do so independently.

The key is to visit legally, within the confines of OFAC (Office of Foreign Asset Control) regulations due to the embargo and sanctions.

IMPORTANT: These regulations also apply to non-US citizens that are departing from a US airport.

How to Travel to Cuba Legally

There are 12 categories of legal travel to Cuba under OFAC:

• Family visits
• Official business of the U.S. government, foreign governments, and certain intergovernmental organizations
• Journalistic activity
• Professional research and professional meetings
• Educational activities
• Religious activities
• Athletic competitions by amateur or semi-professional athletes or athletic teams
• Support for the Cuban People
• Humanitarian projects
• Activities of private foundations or research or educational institutes
• Exportation, importation, or transmission of information or information materials
• Certain authorized export transactions

Source: U.S. Department of the Treasury

The most common is Support for the Cuban People, which requires the following:

§ 515.574 Support for the Cuban People. (a) General license. The travel-related transactions set forth in § 515.560(c) and other transactions that are intended to provide support for the Cuban people are authorized, provided that: (1) The activities are of: (i) Recognized human rights organizations; (ii) Independent organizations designed to promote a rapid, peaceful transition to democracy; or (iii) Individuals and non-governmental organizations that promote independent activity intended to strengthen civil society in Cuba; and (2) Each traveler engages in a full-time schedule of activities that: (i) Enhance contact with the Cuban people, support civil society in Cuba, or promote the Cuban people’s independence from Cuban authorities; and (ii) Result in meaningful interaction with individuals in Cuba. (3) The traveler’s schedule of activities does not include free time or recreation in excess of that consistent with a full-time schedule. Source: Code of Federal Regulations

It will not be a vacation where you go to the beach and prop your feet up, buy things wherever you want, and stay wherever you want.

You must have a full-time schedule of activities that result in meaningful engagement with Cubans.

For us, that looked like many, many art tours and private gallery visits where we connected with local artists and had countless meaningful, deep conversations.

No topic was off-limits.

Everyone opened up (including us) and shared our passions, life experiences, opinions, and learned about one another. And yes, we talked about politics.

We were on the go, all day, every day.

And we didn’t really spend time with other foreigners. We crossed paths with foreigners a couple times, but everyone else we spoke to and spent time with was Cuban.

Casas particulares and paladares

Aside from your full-time schedule, you should also stay in casas particulares and eat at paladares.

A casa particular is a room in someone’s house. It’s been a normal way to travel in Cuba for years. There’s an infrastructure around it. You can find them on Airbnb.

We highly recommend this casa particular in Havana and this casa particular in Viñales.

Paladares are privately-owned small restaurants. Download A La Mesa for a list of restaurants all over the country. Each listing shows if it’s privately-owned.

The app also works offline, which will make your life much easier in Cuba.

Pro tip: If you’re also a vegetarian, make sure you try Camino al Sol ! It’s an all-vegetarian paladar in Havana.

What you are banned from doing in Cuba

You cannot spend money in OR interact with any of the places on this list from the US Treasury Department.

Many are hotels, so pay attention!

I copied and pasted these into a list to have on my phone, then accessed it offline while in Cuba to ensure there wouldn’t be any issues.

Is Cuba safe to visit?

Absolutely.

As a young woman who visited 25 countries before going to Cuba, I’ve been in a few…sticky situations. Cuba was amazing.

I never worried about being robbed and just felt at ease the entire time I was there. I tend to be a more anxious person, so that’s new for me.

This is my personal experience and I was not in Cuba as a solo female traveler, so yours could be different.

Is Cuba open for travel right now?

As of late 2022, visitors no longer need to show proof of Covid-19 vaccination or testing before entering Cuba. We brought our vaccine cards just in case, but no one asked to see them.

Please refer to this government site for updated information before your visit.

On our way back to the United States, we did have to share contact tracing information with our airlines using a form before we could check in. It was quick and easy.

Although many online sources claim masks are mandatory in certain settings, we did not see any places where masks were required in December 2022.

Accessing Money in Cuba: 2023 Updates

Everything you need to spend in Cuba must be in cash.

Because of the sanctions, your credit and debit cards will not work in Cuba.

If you try to use them, your bank will probably lock your account and it will take a lot of effort to get it unlocked.

In prior years, you would need to convert money to Cuban pesos before using it. Euros were the best to have because CADECA (the government exchange houses) charged a higher fee on USD exchanges.

As of late 2022, everywhere we went accepted U.S. dollars as payment. This was highly unexpected and deviated from every piece of advice I read online before leaving for Cuba.

However, it is still good to have some pesos for a fairer exchange rate. Some menu exchange rates were awful.

When we were in Cuba, we typically got 150 CUP for 1 USD. The CADECA rate was 110.40 CUP for 1 USD.

We exchanged money at our first casa particular and spent USD on activities, private taxis, and one of our casas. We usually spent pesos on art, food, and coffee.

Make sure you get cash in plenty of small bills. Twenties, tens, fives, and ones were useful. Anything larger than that will be annoying to deal with.

If your bank will only give you large bills, go to Publix and ask the customer service to break them when they’re not busy. Works like a charm!

Is it safe to exchange money on the street in Cuba?

You will be offered money exchange on the street wherever you go in Cuba. Just say “No, gracias,” and move on.

As a general rule of thumb, it is not safe or advised to exchange money on the street. This goes for wherever you are in the world.

The main reason it’s unwise to do this is forged currency. If it came from some random person, it may be counterfeit.

A local friend taught us how to know your Cuban pesos are real. Hold the bill up to the sun, and check the watermark.

The watermark will have a number on it, and that number must match the value of the bill.

If it’s a 100-peso bill, the number in the watermark should say 100.

Again, I do not recommend exchanging money in the street. We didn’t on this trip because we were able to get pesos from the front desk of our casa particular.

If you’re ever concerned about any bills you were given as change, use the tip from our friend for some peace of mind.

I also want to make it clear that we were never given counterfeit bills as change while in Cuba, but these things can happen anywhere.

You’re more vulnerable as a foreigner, because you don’t know exactly how the money is supposed to look.

Getting WiFi in Cuba

If a travel guide says there are only one-hour WiFi cards, it is outdated.

Now, you can access WiFi on a one-hour or a five-hour card.

WiFi is now cheaper in Cuba—it was $5 USD per hour; now, it’s $1 USD per hour.

We only needed one 5-hour card per person for the whole week.

Instead of waiting in the ETECSA line, we bought them from our first casa particular .

Overall, our Cuba WiFi experience was much easier than what we expected.

Don’t expect to be online all the time, but WiFi access is not as difficult as prior years.

Pro tip: The two main apps I highly recommend to download BEFORE you leave for Cuba are A La Mesa and Maps.me . Both work well offline and will save you such a headache.

On Maps.me specifically, also download the maps of each city/town you will visit in Cuba. In our case, I downloaded the maps for Havana and Viñales. When you have Internet access, put your casa particular addresses in a Note on your phone, so you copy and paste them into Maps.me whenever you need to. Same goes for any attractions you know you want to see.

If you want (and if your phone is unlocked), you could get a Cuba sim card, which comes with data. I don’t see the point for a one-week trip, but to each their own.

You can reserve those online in advance from Suena and pick them up at the José Martí airport (in Havana). If you go this route, you want the Tourist SIM Card from the top menu.

Can you drink the water in Cuba?

In short, no.

There was bottled water for sale everywhere on our trip in December 2022, but I read online before leaving that you can’t bank on that.

Instead, I bought this LifeStraw to have filtered water and it was the best travel purchase I’ve made. Ever.

Our Viñales casa particular hostess took one look at that bottle and pointed me to her giant drinking water spigot for us to have freely.

She was already familiar with the water situation for foreigners and told me it was smart to bring a reusable filtered bottle.

Highly recommend one of these !

Can you check in online for flights to Cuba?

There are too many documents the airlines must verify before they can issue a boarding pass.

You will also need a paper boarding pass for your Cuban health insurance, often included in your departure airfare.

Do you need to speak Spanish to visit Cuba?

Out of all Spanish-speaking countries I’ve visited, Cuba is the main one you need at least some language skills to visit.

There are people who speak English, especially young people, but it is not the norm.

If you don’t speak Spanish and you’re not traveling with a friend who does, download Google Translate for offline use before you arrive.

It won’t be ideal, but it will work when you need language help.

The best advice I can give is to travel with someone who speaks Spanish fluently. My best friend said many times while we were in Cuba that she would be toast without my language skills.

Can I bring Cuban cigars and rum back into the USA as souvenirs?

The answer used to be yes, as long as you purchased them from a private shop instead of a stated-owned one.

That answer is no longer the case, as of late 2022.

Now, you cannot bring any rum or cigars into the USA from Cuba, no matter how small the amount is or where they were purchased within Cuba.

When you arrive back into the USA, Customs and Border Patrol will ask if you have any rum or cigars. If you do, assume they will be confiscated.

What to Pack for Your Cuba Trip

I pack carry-on only and found Cuba to be one of the easier countries to pack for. The climate in December was perfect, with 80s in the day and 60s-70s at night.

Here is a short packing list of the things you need before going to Cuba:

• Mosquito repellent, because the insects in Cuba will eat you alive (I use these .)
• Comfortable shoes for lots of walking
• Cardigan or light sweatshirt
• Flowy/comfortable clothes (You can see one of the outfits I packed below.)
• One active wear outfit for hiking/horseback or bike riding (if you’re going to Viñales)

I hope this Cuba travel FAQ was helpful for you. I know how stressful it can be to figure out what to do when planning. If you have any questions, comment below and I’ll do what I can to help!

Read more Cuba travel guides:

• Cuba Pre-Departure Checklist
• What to See and Do in Cuba (Havana and Viñales)
• At Dusk in Havana, I Fell in Love
• Havana, the Art Sanctuary
• When It Destroys, It Starts with Us
• The Elephant in the Room: Socialism in Cuba

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Hi, I'm Sarah

Welcome to my oasis! I am a writer and budding entrepreneur with a love for caffeine, capital gains, and seeing the world. If I'm not writing, you can find me reading a good book, trying out a new vegan recipe, or adding to my coffee mug collection. My goal in life? To see every country in the world. Come along for the ride!

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Can Americans Travel to Cuba? 2024 Complete Guide

Last Updated: December 15, 2022 May 8, 2024

In short, yes, it is possible for Americans to visit Cuba. However, the country still remains off limits for tourist activities. This means U.S citizens currently cannot visit Cuba when the sole purpose of their trip is to sightsee, go to the beach, and explore.

In 2024, Americans that wish to travel to Cuba must fall into one of the 12 approved categories of travel, determined by the Department of Treasury’s Office of Foreign Assets Control (OFAC) .  Visiting Cuba is not as straightforward for Americans as it is for citizens of other nations, like Canada or the United Kingdom. U.S citizens can apply for a general license under one of the authorized categories, which can take anywhere from four to six months to process, according to regulation experts . The 12 categories of authorized travel to Cuba include:

• Family Visits
• Journalistic Activity
• Professional Research and Meetings
• Educational activities
• Religious Activities
• Public Performances, Clinics, Workshops, Exhibitions, Athletic and Other Competitions
• Support for the Cuban People
• Humanitarian Projects
• Activities of Private Foundations, or Research or Educational Institutes
• Official Business of the U.S. Government, Foreign Governments, and Certain Intergovernmental Organizations
• Exportation, Importation, or Transmission of Information
• Authorized Export Transactions

To apply for a license, or to learn more about the different categories of approved travel, visit the official OFAC website .

Cuba Travel Restrictions & Requirements

The U.S Passport is welcome and accepted at the Cuban borders. Most of the policies in place that prohibit tourist travel to Cuba come from the United States. Below are some of the main travel restrictions and requirements to keep in mind when traveling to Cuba.

Cuba Entry Requirements 

To gain entry to Cuba, Americans are required to possess specific documents upon arrival. It’s important to start gathering these documents as early as possible to avoid issues at the border. Below is a simplified list of entry requirements, compiled by Cuba Unbound . 

• Return Travel Documents: Travelers must show proof of entry and departure dates in order to receive a valid visa. 
• Valid Cuban Tourist Card/Visa: U.S citizens traveling to Cuba must acquire a valid Visa, also known as a Cuban Tourist Card. These cards can be purchased online for $50-$100, are valid for 30 days, and take roughly 48 hours to process. 
• Certification of Travel Form: This document outlines the approved category in which U.S citizens are traveling to Cuba. 
• Valid Passport : Americans are required to have a passport that is valid for the duration of their stay. 
• Proof of Travel Medical Insurance : Cuba requires all foreigners to purchase medical insurance prior to entry.

Cuba Travel Insurance Requirements 

Since 2010, the Cuban government has required all visitors from abroad to provide proof of medical insurance when visiting the island. While there are no requirements on the amount of coverage travelers need, U.S citizens visiting Cuba must purchase a policy that includes Emergency Medical coverage, as well as Medical Evacuation & Repatriation coverage. Squaremouth recommends travelers visiting Cuba consider a travel insurance policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation & Repatriation coverage. Squaremouth’s Cuba Travel Insurance page provides more information and specific policy recommendations for travelers planning to visit the country.

Typically, single trip travel insurance premiums will equate to 5-10% of a traveler’s total insured trip costs. According to Squaremouth data, the average Cuba travel insurance policy cost travelers roughly $200.

Visiting Cuba From the U.S.

For more than 60 years, U.S travel to Cuba has been a complex issue. With that said, there are plenty of reasons why Cuba, home to more than 400 white-sand beaches and over 3,500 miles of coastline, has remained a desirable destination for American travelers. In relation to neighboring Caribbean countries, many of which are consistently among the most popular destinations for Americans, Cuba has a relatively low crime rate. With that said, the U.S Department of State’s Cuba Travel Advisory recommends exercising increased caution when visiting the island due to petty crime, such as theft, sometimes targeted towards tourists.

What Airports Fly to Cuba From the U.S?

Regardless of the complexities of traveling to Cuba as a U.S citizen, there are still multiple airports and airlines that provide non-stop flights to Havana, the nation’s capital. According to Simple Flying , eligible U.S citizens traveling to Cuba can find non-stop service from the following airports: 

• John F. Kennedy International Airport (JFK), New York
• Newark Liberty International Airport (EWR), New Jersey
• Houston George Bush Intercontinental Airport (IAH), Texas
• Tampa International Airport (TPA), Florida
• Fort Lauderdale-Hollywood International Airport (FLL), Florida
• Miami International Airport (MIA), Florida

For those interested in which airlines fly directly to Cuba, SkyScanner shares that American Airlines, Southwest Airlines, jetBlue, and United all provide such services to eligible U.S citizens. 

20 things to know before visiting Cuba

Jan 5, 2024 • 8 min read

Be ready for your visit to Cuba with these top tips on what to expect © Westend61 / Getty Images

To a first-time traveler, Cuba can seem like a confusing jigsaw puzzle, particularly if you’re breaking free of the resorts and traveling around on your own.

The Spanish spoken here is fast and hard to decipher, many streets have two different names and the country’s fickle and highly complicated monetary situation could fill its own guidebook. 

To help you be prepared, here is everything you need to know before planning a trip to Cuba.

1. Double-check your insurance

You are required to have medical insurance to visit Cuba and will need to bring digital or printed proof of your policy. Random checks are made at the airport. If you arrive without insurance, you’ll be asked to buy a Cuban policy at the airport for US$30.

2. Fill out your passenger information in advance

Cuba uses an online form called  D’Viajeros  to gather traveler information, including immigration and health data, in advance of travel. Fill out the form digitally up to 72 hours before your arrival in Cuba.

3. Every visitor needs a tourist card

To enter Cuba, all visitors need to present a completed tourist card . It’s usually available through your airline (ask when booking) and included in the price of your ticket.

If not, you can purchase one through a Cuban travel agency. Costs range from US$50 to US$85. Citizens of 20 African and Asian countries require a formal visa to enter Cuba. Check the situation for your country before booking.

4. Cash and currency: it’s complicated!

Money in Cuba is confusing, even to Cubans . Since the country abolished convertibles (CUC) in January 2021 and took the US dollar out of circulation in June 2021, there has been massive inflation and the emergence of a rampant black market. The knock-on effect is a bewildering dual economy.

The official currency of Cuba is the Cuban peso (CUP), but foreign currencies are also widely accepted, especially by private businesses who need hard cash to buy non-rationed goods in MLC (freely convertible currency) shops.

State-run enterprises and banks use official exchange rates. However, the prices of the superior services offered by private businesses generally reflect black market exchange rates.

Hence a main dish in a private restaurant in Havana will cost around CUP$500 (US$21). That’s an expensive meal if you’re paying in pesos bought from a Cuban bank.

However, most private restaurants will also accept payment in euros using a more favorable exchange rate. Some will even have a separate menu with prices printed in euros.    

When buying something from a private business – be it a restaurant, casa particular (private accommodation) or taxi service – it’s usually best to pay in a foreign currency. Always ask upfront what currencies they accept and what exchange rate they use for their published peso prices.

Euros is the most interchangeable currency and the one preferred by Cubans. You can also use and exchange Canadian dollars and pound sterling.

US dollars still circulate on the black market, but we don’t recommend bringing them. The best bet, when you arrive, is to keep most of your money in a foreign currency and only change small amounts into pesos for incidentals like museum entry, concert tickets and tips.

5. MLC is a currency with no cash form

The Moneda Libremente Convertible (MLC) is a currency approved by the Cuban government in 2020 that can be used in certain shops to buy higher-end goods.

The currency doesn’t exist as cash and its value is pegged with the US dollar. It’s used mainly by Cubans with special magnetic cards. 

Tourists needn’t worry too much about MLC$, although prices will sometimes be displayed in the currency in state-run enterprises such as cigar shops or airport souvenir stores where you can pay with a non-US credit card.

6. Only some credit cards will work

Credit cards are increasingly popular in Cuba and in many state-run businesses are the preferred (and sometimes only) method of payment.

Despite promises made in the Obama era, credit cards linked to US banks are not accepted. Private businesses almost never have credit card machines, meaning your only option is cash.

7. Pack your favorite casual clothes – and men need a shirt

Dress in Cuba is casual, so you can leave your high heels and tux behind. The only real dress code is in cinemas, theaters and nightclubs, where male patrons are required to wear long trousers and shirts with sleeves or half-sleeves.  

8. Cuban Spanish is fast and often informal

If you speak Spanish, you’ll find that Cubans mostly use the informal tú form of address, rather than usted . In the plural, ustedes is used over vosotros .

If you don’t know someone, it’s best to address them as señor or señora , though you’ll hear Cubans use all kinds of substitutes such as socio , hermano , papa , chica/o  and asere .

9. Cuban cities are where the streets have two names

In most Cuban cities, the streets have two names: a contemporary one that is noted on maps and marked on street signs, and a pre-revolutionary one that is still used widely by the locals.

This can become confusing, especially when locals, unaware of the new street names, start giving out directions or addresses using the colloquial nomenclature. Always double-check addresses and, if possible, get two potential names for the street you’re looking for.

10. Understand the local art of queueing

Cubans have to endure a lot of long waits in boring queues, so they’ve invented a way of doing it that doesn’t involve standing in line. In a Cuban queue, you simply roll up at the bakery/clinic/visa office and yell out to the assembled masses, "Quien es último?" (Who’s last?).

Hopefully, someone in a 400m vicinity will answer your polite entreaty with the word, "yo" (me). That person is your yardstick. As long as they’re still around, feel free to go for a walk, sit in the lotus position or buy ice cream. When they get called up, be on your toes, you’re next!

11. Ask questions more than once  

Thanks to heavy bureaucracy, answers to simple requests aren’t always straightforward – or even correct. Probe politely and ask at least five different people before you make important decisions.

12. Bring something to keep you warm on a cold bus journey

Cuba has a countrywide state-run bus service called  Víazul that connects all of the main cities and some of the smaller towns. Prices are charged in MLC$ (the same rate as the US$) and tickets must be paid for with a credit card either in person or online.

A second service called Conectando, run by Cubanacán, also puts on buses in peak season along some of the more popular routes. Bring a sweater/jacket for long bus rides – the air-conditioning is akin to a chilly day in Vancouver.

13. Cuba is considered a safe place to travel

Cuba is one of the safest countries in the Americas in terms of violent crime. Pick-pocketing is more common but not rampant, and is mostly avoidable if you follow a few basic precautions: Wear a money belt, use safe boxes in hotel rooms and don’t flash your cash in public.

14. Solo female travelers report receiving unwanted attention

Solo female travelers report experiencing a good deal of unwanted attention, but it didn't necessarily spoil their enjoyment of traveling in Cuba.

There is a fine line between being open and friendly and harassment, and some men can cross that line by being overly familiar or asking too many personal questions. Learn some key phrases in Spanish that make it clear when you're not interested.

15. Beware of forgeries

Never change money with unlicensed traders on the streets. You run the risk of receiving estafas (forged notes).

16. Bring your own medicines

On one level, Cuba has a good health system (it invented and quickly distributed three COVID-19 vaccines); on the other, it is perennially short of pharmaceuticals.

Bring all the prescription medications you think you’ll need, as well others you might like ibuprofen or paracetamol. If you’d like to donate some medicines to the people of Cuba, it is currently possible to bring in 10kg of medical supplies tax-free (pack them in a separate bag). 

17. Avoid dodgy cigars

Cuba has its share of jineteros (touts) spinning elaborate stories about super-cheap, high-quality cigars procured by their brother/mother/cousin from the factory. Don’t believe them. Instead, buy your cigars in state-run shops such as the Casa del Habano chain. Cigars sold on the street are invariably factory cast-offs and not genuine.

18. Driving is not as easy as you think

With light traffic on the road, driving might seem like an easy proposition, but with elevated rental prices and cars often in short supply, it’s not always so.

Add in sporadic signposting, potholed roads and a wide array of hazards – goats, horses, bicycles, kids and slow-moving, fume-belching trucks – and you might want to consider getting the bus or, at least, employing the services of a chauffeur.

19. Bring toilet paper and sanitary products

The pandemic made the provision of antiseptic hand lotion more common, but the same can’t be said of toilet paper. Carry your own roll and/or gravitate to four- or five-star hotels when you’re caught short in the city.

Re-usable pads and silicon cups, or disposable pads and tampons are must-pack items if you're expecting your period while you're in Cuba. These are in high demand here.

20. Don’t drink the water

The water won’t kill you, but it might give you a little queasiness or an upset stomach. Fortunately, bottled water is abundant and cheap. An even better idea is to bring your own filter bottle or water purification tablets.

This article was first published Feb 5, 2022 and updated Jan 5, 2024.

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How to Plan a 'Support for the Cuban People' Trip

By Megan Spurrell

In June the U.S. government announced new restrictions on travel to Cuba, banning two of the three most popular ways Americans previously visited: by cruise ship (which brought in some 800,000 travelers last year ) and by plane under the “people to people" category (the method most commonly used by tour groups). Luckily, there is still one way you can visit as a tourist: under the “support for the Cuban people” category, which remains unchanged.

To clarify, there are still 12 existing categories under which Americans can visit Cuba, but “support for the Cuban people” is now the only one of which can be used by the average traveler (the other categories include family visits, journalism, religious travel, etc.). It's exactly what it sounds like—a means of supporting the people of Cuba by staying in privately owned homes (known as casa particulares ) rather than government-owned hotels, visiting Cuban-owned businesses, and having a “full schedule” of activities that put travelers in contact with locals. It also explicitly bans Americans from spending money at establishments owned by the Cuban government. In the communist state, this includes everything from iconic hotels, like the Gran Hotel Manzana Kempinski, to restaurants and shops. (You can find the full list of no-go businesses here .)

For travelers planning to fly into Cuba, rather than cruise, this policy change may not be a bad thing. (If you were planning to cruise, you might need to reconsider .)

"The biggest difference is that travelers will now need to stay in private homes, rather than hotels, and experiences will need to be focused on local immersion,” says Tom Popper , a travel specialist at InsightCuba who has been taking travelers to the island for over two decades. Expect to try ropa vieja in a local home for dinner, rather than making a reservation on the rooftop of a high-rise hotel, and join intimate walking tours guided exclusively by locals, rather than expats. Afternoons at the beach might be swapped for local salsa classes, or a visit to an artist's gallery in Old Havana. “The travel industry has been shifting this direction over the past few years anyway," adds Popper.

As a result, many travel companies like InsightCuba are pivoting, continuing to operate as usual with minimal impact to travelers by slightly tweaking itineraries to fit under the new category. "The average U.S. traveler doesn’t care what category they travel under," adds Popper, "They just care that they can go."

If you want to visit independently, you can still book flights and accommodations, and plan your itinerary on your own. Just keep in mind that regulations continue to change. As of December 10 , flights between the U.S. and all Cuban cities except for Havana have been suspended, in a move the Trump administration first announced in October, so you'll have to use the capital as your hub. Once in Havana, though, you can book flights on non-American carriers like COPA and LATAM to reach other Cuban cities like Cienfuegos and Camaguey. Airbnb is the best bet for finding private homes; however you book, cross-reference this list of restricted spots before putting down a deposit anywhere, just to be safe. On the itinerary front, the regulations are glaringly vague as to what a “full schedule” means, but Popper says Insight Cuba packs its trips from about 9 a.m. to 6 p.m.—and you should do the same. Regulations are also far from prescriptive in terms of activities, simply stating they should "enhance contact with the Cuban people, support civil society in Cuba, or promote the Cuban people’s independence from Cuban authorities and result in meaningful interactions with individuals in Cuba."

The Treasury offers a couple of suggested itineraries to help you plan , but the list is hardly exhaustive. If waters feel too muddy, you can always turn to a travel specialist for support. Know that the US government reserves the right to audit you at any point during the five years following your trip, so be sure to keep a record of your itinerary to avoid complications (and fines) in the future.

At the end of the day, freedom for travelers continues to take major hits, but it is still possible to visit Cuba—and the hope is that those committed to local interactions and responsible tourism will continue to arrive. For Cubans, the influx of tourism dollars is essential: The average doctor in Cuba makes around $50 per month on a government salary, whereas tour guides can pocket anywhere from $100 to $300 a day . Ideally, says Popper, the shift from "people to people" travelers to "support for the Cuban people" travelers will actually increase the dollars flowing into local's pockets, but only time will tell.

This story was originally published in June, 2019. It has been updated with new information.

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Can Americans still go to Cuba? Yes, but it’s more difficult

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HAVANA (AP) — The Trump administration’s new restrictions on travel to Cuba have made it harder, but far from impossible, for Americans to visit the island nation.

Cruises offered easy, one-stop shopping for legal trips across the 90 miles that separate the two nations, but those appear to be over for now, after the federal prohibition took effect Wednesday. All major cruise lines have rerouted Cuba-bound itineraries to other Caribbean destinations, leaving thousands of passengers disappointed.

Some answers to common questions about the complications of travel to Cuba:

WHY DID THE ADMINSTRATION TAKE THIS STEP?

The Trump administration says it wants to cut off cash to Cuba’s communist government to force it to stop supporting President Nicolas Maduro of Venezuela. Cuba says Trump wants to reduce Americans’ exposure to the country because those who travel here invariably come back opposed to the 60-year U.S. embargo on the island.

ARE THERE OTHER WAYS TO TRAVEL TO CUBA?

Major airlines, including American, JetBlue and Delta, continue to run a full schedule of relatively affordable flights to Havana and other Cuban cities. Most depart from Miami and Fort Lauderdale, but there are daily flights from other U.S. cities.

As far as Cuba is concerned, American visitors are welcomed as tourists, and the country tries to make it easy for them to come. Tourist vistas are available for immediate purchase with an airline ticket or separately upon check-in for a Cuba-bound flight. The cost is about $50 per visa. Cuba remains perhaps the safest country in the Western Hemisphere for travelers, with violent crime against tourists virtually unknown. Even simple theft is unusual.

WHAT DOES THE LAW SAY?

U.S. law prohibits Americans from going to Cuba, except for 11 specific purposes: family visits; government business; journalistic activity; professional research and meetings; educational activities; religious activities; public performances and exhibitions; supporting the Cuban people; humanitarian projects; activities of private foundations; and importing and exporting.

Travelers must pick one of those categories from a menu displayed during their purchase of an airline ticket.

Before Trump’s latest changes, many Americans came in groups whose purpose was “people-to-people” contact with ordinary Cubans. That category, with requirements that were relatively easy to fulfill through normal travel, has now been eliminated.

WHAT DO OTHER REPUBLICANS SAY?

Advocates of Trump’s changes, such as Florida Sen. Marco Rubio, say that Americans should now travel to Cuba under the category of support for the Cuban people.

The U.S. government defines this as supporting the activities of human rights organizations and other groups that promote democracy and “independent activity intended to strengthen civil society in Cuba.”

There are dozens, if not hundreds, of travel-related activities that could be seen as complying with that definition. Cuba travel companies on Wednesday had already begun repackaging tours to make them compliant with “support for the Cuban people,” promoting activities such as culinary tours, cigar-rolling and scuba diving.

CAN AMERICANS BE PUNISHED FOR TRAVELING TO CUBA?

The legality of U.S. travel to Cuba has functioned on an honor system for years. Enforcement was virtually unknown during President Barack Obama’s presidency, and there have been no reported cases of examination of travelers’ itineraries since President Donald Trump took office.

That could change at any time. U.S. rules require travelers to keep records of their travel to Cuba, a journal of daily activities, for example, for at least five years.

Complicating any travel to Cuba is a U.S. requirement that Americans avoid patronizing any business on a list of businesses run by military- and intelligence-linked government agencies. Enforcement of the list is practically impossible in many cases.

What You Need To Be Aware Of As A Tourist Visiting Cuba

B eaches with white sand as fine as sugar, vintage American cars cruising down streets lined by colorful aging buildings, and the chance to puff on a fine cigar while watching people dance the salsa in the warm night air: It's not hard to understand the picture-postcard allure of Cuba. It's a country in the throes of rapid change as it emerges back onto the world stage after decades of stagnation following the 1959 revolution. So now is a wonderful time to pack your dancing shoes and visit the Caribbean's largest island.

However, Cuba isn't an uncomplicated tropical paradise and there are several things you need to be aware of before you visit as a tourist. Like, as an American, is it even legal for you to visit Cuba as a tourist? What's with the money situation? And can you access the internet or are you going back to the Stone Age (also known as the early 1990s)?

Can Americans Visit Cuba?

Cuba is just 103 miles from the tip of Florida making it the ideal winter getaway for sun-seeking Americans. However, the U.S. imposed restrictions on travel to Cuba in 1963 and while the level of restrictions has varied over the years, as of July 2023, Americans can't visit Cuba purely for tourism purposes.

That said, there are 12 categories of authorized travel to Cuba, and the one that most Americans visiting the island use is the "support for the Cuban people" category. You'll need a passport with six months validity at the time of entry and two blank pages. You also need a Cuban Tourist Card, which you can usually get from your airline for as little as $50.

Speaking of airlines, you can fly direct to Cuba from several U.S. cities, including Miami, Tampa, New York City , and Houston. Most direct flights from the U.S. land in the Cuban capital of Havana, though there are several nonstop flights from Miami to other destinations in the country, including Santiago de Cuba and the popular beach resort of Varadero.

Cuban Currency

There's good news and, let's say, tricky news when it comes to paying for things in Cuba. The good news is that there is now one currency used by residents and visitors alike in the country: the Cuban peso (CUP). The Cuban convertible peso (CUC), which used to be the currency used by tourists, was eliminated in 2021.

The only official place you can exchange currency in Cuba is at Cadeca exchange houses. You cannot get CUP outside of Cuba, nor should you take the currency home with you. Spend or exchange anything you have left over before you go to the airport (after security, you should pay in foreign currency).

What about credit cards? U.S. credit and debit cards won't work in Cuba. Credit cards from major financial institutions like Visa and Mastercard from other countries should be accepted by certain businesses and ATMs. However, cash is king in the country and it's always a good idea to keep some with you for tips to service workers.

The Internet In Cuba

Cuba is the perfect place to go on a digital detox. We're going to be honest: Getting online isn't as easy as in the U.S. and internet speeds can be sluggish. However, if you need to connect to the internet, you can. The most common way to access the internet in Cuba is via hotspots in places like public parks and on the Malécon in Havana. (They are also perfect for people-watching, so embrace the experience!) Many hotels and some other businesses also have Wi-Fi.

To access the internet in most places you're going to need a NAUTA card, which you can purchase from ETECSA offices around Cuba. Be prepared to stand in line to buy the card and take your passport along with you. Our advice? Be patient and make the most of your offline moments to fully immerse yourself in the Cuban experience. And plan to latergram your posts on Insta.

Sleeping And Eating

When it comes to accommodation in Cuba, you'll find a range of options. From all-inclusive beach resorts to cozy casas particulares, you'll find somewhere to suit your preferences and budget. Our pick for independent travelers is a casa particular, a privately owned guesthouse which offers a fantastic opportunity to experience Cuban hospitality firsthand. Many places offer breakfast and an evening meal, so you can taste home-cooked Cuban food. It's also an excellent way to support the Cuban people (this is likely the stated purpose of your visit, after all) as the money you pay goes directly to the guesthouse owners. In contrast, the Cuban government holds at least a 51% share in all hotels in Cuba. Hotel star ratings are often on the generous side, so be discerning.

As far as food goes in Cuba, your best bet is to go to a paladar, a privately run restaurant that serves excellent versions of classic Cuban dishes like roast pork, shredded beef, and suckling pig (the cuisine is pretty meat-forward). A note on cultural sensitivity: Many products that are widely available in the U.S. might not be in Cuba and even basic products often disappear from Cuban shops at short notice. Savor what's put on your plate and enjoy the often simple but tasty food.

How To Support And Respect The Cuban People

Staying in casas particulares and eating at paladares are just two ways that you can support the Cuban people on your trip. Consider taking a salsa class run by a local, buying locally made handicrafts, and whiling away the steamy nights sipping rum and listening to musicians put on a fabulous show. By patronizing local businesses, not only are you financially supporting the Cuban people, but you're also going to have an authentic Cuban experience.

We touched on the unavailability of some food items earlier, but shortages extend to many consumer products in Cuba. Bring everything you think you'll need for your trip, including medications. You may also want to bring a roll of toilet paper (glamorous, we know), as public bathrooms often don't have it. Power cuts are common; while they might be frustrating, remember that you're only there for a short time and, for Cubans, power cuts are infuriating, so keep your complaints to yourself. This goes for everything, really; if you're not prepared for some minor inconveniences, don't visit Cuba. If you want to take a memorable trip to a country steeped in history with a vibrant culture, stunning urban architecture, and beautiful natural landscapes, it'll all be worth it.

Read this next: The World's Best Places To Put On Your Travel Bucket List

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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 luxury hotel card:  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 expedited security screening:  Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card
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Best starter travel card

Chase Sapphire Preferred® Card

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Intro offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

• 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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, 75,000 points are worth $937.50 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

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

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

• 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

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 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.

• 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

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

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

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 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

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

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

• 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

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.
• 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.
• 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

Chase Sapphire Reserve®

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

• 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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, 75,000 points are worth $1125 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

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

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

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.

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

• 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

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

• 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

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 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.

• 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 luxury hotel 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 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.
• 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.
• 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

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

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.

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

• 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

Delta SkyMiles® Platinum American Express Card

• Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

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.
• $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
• Enjoy your first checked bag free on Delta flights.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. 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

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 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

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.

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.

• 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

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.

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

• 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

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

• 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 and Delta Sky lounge access 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?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

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.

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 Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 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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American Airlines plane rejects takeoff right before runway near-collision

The Federal Aviation Administration is currently investigating a Wednesday morning near-collision between an American Airlines plane and another aircraft on the runway of Ronald Reagan Washington National Airport in Virginia, according to the FAA. 

“An air traffic controller cancelled the takeoff clearance for American Airlines flight 2134 because another aircraft was cleared to land on an intersecting runway at Ronald Reagan Washington National Airport,” the FAA said. 

The American Airlines Airbus A319 was bound for Boston’s Logan International Airport and already traveling at a speed of around 92 miles per hour when the pilot was told to cease takeoff.

In an audio recording shared by NBC News , air traffic control is heard saying, “American 2134 cancel takeoff clearance … zero, alpha, alpha, go around, go around.”

“Rejecting the takeoff, 2134,” the American Airlines pilot said. 

“And zero, alpha, alpha, cannot go around, we are already on the ground,” the other pilot, who was flying a King Air plane, said. 

The air traffic controller said the American Airlines aircraft would need to be resequenced and asked if the American Airlines pilot wanted to “go back to the gate.” 

“We need to talk to maintenance, but yeah, I think we were above 80 knots (92 miles) so we’re going to have to get an inspection,” the American Airlines pilot said. 

“The safety of our customers and team members is our top priority, and we’re grateful to our crew for their professionalism,” an American Airlines spokesperson told USA TODAY in an email. “We will support the FAA  and NTSB in their investigations.”

AA2134 took off four hours after its scheduled depature time and arrived safely in Boston, according to FlightAware .

This incident is the latest in a series of near-disasters on runways. Last month, the airport experienced another close call when a JetBlue plane was cleared for takeoff while a Southwest flight was cleared to cross the same runway. The JetBlue began its takeoff roll when air traffic controllers started yelling for the two planes to stop. 

Following the last incident, the FAA released a report that found the air traffic control workforce to be at a high risk of fatigue, resulting in crucial safety risks. The agency will soon increase the rest period for air traffic controllers from nine to 10 hours as well as require a minimum 12-hour rest period before a midnight shift.  

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .