Fortunly's Guide
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The Best Travel Rewards Credit Cards for Frequent Travelers in April 2024

Written By
G. Dautovic
Updated
April 01,2024
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Are you a frequent traveler? How would you feel if there were financial services that earned you free flights, room upgrades, rental cars coverage and other travel and dining perks at no extra cost? If all of this sounds too good to be true, let us introduce you to the best travel credit cards on the market.

Naturally, you may be seeking accurate information on how these credit cards work. It's simple - each time you use your credit card as a payment method, you get a little closer to your next trip by collecting points or miles that can be redeemed for travel expenses such as car rentals, airline travel, hotel stays, dining and much more.

Keep reading these reviews to learn all about the top offers.

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Capital One Venture Rewards Credit Card Logo

Capital One Venture Rewards Credit Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee N/A
APR 15.49%-25.49%
Intro offer 20,000 points
Recommended credit score 690–850
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Transfer fee: $0
  • Foreign transaction fee: $0
  • Rewards rate: 1.25 miles per $1
  • Travel accident insurance
Click to  read more
Wells Fargo Propel American Express Credit Card Logo

Wells Fargo Propel American Express Credit Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee N/A
APR 14.49%-24.99%
Intro offer 20,000 points
Recommended credit score 690–850
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • APR: 0% in the first year
  • Rewards rate: 1x–3x points
  • No blackout dates on air travel
Click to  read more
Bank of America Travel Rewards Visa Credit Card Logo

Bank of America Travel Rewards Visa Credit Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee N/A
APR 14.99%-22.99%
Intro offer 25,000 points
Recommended credit score 690–850
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • Rewards rate: 1.5 points per $1
  • 0% APR for the first 12 months
  • Preferred Rewards with additional rewards
  • Balance transfer free 3% (minimum $10)
Click to  read more
Chase Sapphire Reserve Credit Card Logo

Chase Sapphire Reserve Credit Card

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Annual fee $550
APR 16.99%-23.99%
Intro offer 50,000 points
Recommended credit score 740–850
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • Rewards rate: 1x–10x points
  • $300 annual travel credit
Click to  read more
Chase Ink Business Preferred Credit Card Logo

Chase Ink Business Preferred Credit Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Annual fee $95
APR 15.99%-20.99%
Intro offer 100,000 points
Recommended credit score 690–850
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • Rewards rate: 1x–3x points
  • Additional employee cards at no cost
Click to  read more
Citi Premier® Card Logo

Citi Premier® Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee $95
APR 15.99%-23.99%
Intro offer 80,000 points
Recommended credit score 700 or higher
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • Rewards rate: 1x-3x points
  • $100 annual hotel savings benefit
Click to  read more
U.S. Bank Altitude® Connect Visa Signature® Card Logo

U.S. Bank Altitude® Connect Visa Signature® Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee $0
APR 15.99%-23.99%
Intro offer 50,000 points
Recommended credit score 700 or higher
KEY FEATURES
CREDIT CARD DETAILS
PROS & CONS
  • Foreign transaction fee: $0
  • Rewards rate: 1x-5x points
  • Points never expire
Click to  read more
World of Hyatt Credit Card Logo

World of Hyatt Credit Card

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
Annual fee $95
APR 15.99%-22.99%
Intro offer 60,000 Bonus Points
Recommended credit score 700 or higher
KEY FEATURES
CREDIT CARD DETAILS
PROS & CONS
  • Excellent perks for staying at Hyatt
  • Rewards rate: 1x-9x points
  • Points can be redeemed for experiences without a mandatory stay at hotels
Click to  read more
Quick Breakdown

Best Credit Cards for Travel: Our Picks for 2024

  • Capital One Venture Rewards Credit Card - Generous travel rewards
  • Wells Fargo Propel American Express Credit Card - Excellent rewards with no travel fees
  • Bank of America Travel Rewards Visa - Good choice for avoiding annual fees
  • Chase Sapphire Reserve Credit Card - Additional travel benefits
  • Chase Ink Business Preferred Credit Card - Excellent for a business traveler
  • Citi Premier® Card - Excellent cashback rewards
  • U.S. Bank Altitude® Connect Visa Signature® Card - Excellent for streaming services
  • World of Hyatt Credit Card - Great for Hyatt hotel stays

Reviews of Travel Credit Card Options

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card Logo Apply Now

On Official Website

Annual fee
$0
Foreign transaction fee
$0
APR
Variable, 15.49%-25.49%
Rewards rate
Two miles per $1
Welcome offer
20,000 miles
Recommended credit score
690–850

If you are on the hunt for low-cost travel perks, the Venture Rewards credit card from Capital One may be just what you're looking for. It earns you two miles per dollar on absolutely any purchase and comes with a number of useful benefits.

One of the biggest advantages of this card is that it doesn't limit redemption options to certain airlines or hotel chains. If you value ease of use when it comes to rewards and don't want to take a burden of annual credit card fees, take a closer look.

Rewards

The simple but generous rewards policy is what makes Capital One Venture Rewards one of the best cards for travel. With this card, you earn a set rate of two miles for every dollar that you spend.

When redeemed for travel, each mile has a value of $0.01. Unlike most rewards credit cards, Capital One Venture pays a high rewards rate on all purchases, not only travel-related spending. The number of miles that you can earn is unlimited and the rewards won't expire as long as you keep your account open.

Redemption Options

As per redemption, there are a few different ways to make the most of your rewards. As one of the best credit cards for travel benefits, Capital One lets you use your miles to book trips through its own travel center or redeem them as a statement credit for any travel-related purchases.

In both cases, miles are worth one cent a piece and there are no minimum redemption requirements. 

Alternatively, as Capital One collaborates with 15 airline partners, you can transfer your miles to their loyalty programs. In this case, the per-mile value may vary depending on the partner company.

With most airlines, you'll get 1.5 miles for every two miles that you transfer. However, with JetBlue and a few other partner airlines, the ratio is one mile per every two miles that you transfer. 

Like any of the top travel cards, the Capital One Venture also lets you redeem accumulated rewards for gift cards at a value of 1-1.25 miles per cent.

Fees and APR

When it comes to cost, the Capital One Venture card is one of the most competitive options. Previously, the company offered the $0 intro annual fee for the first year, charging $95 afterwards.

The $95 was recently completely dropped, making this card free to use. On the other hand, there are no foreign transaction or balance transfer fees. As far as interest rates go, the ongoing APR is variable, and it ranges from 15.49% to 25.49%.

Welcome Bonus

Another thing that puts the Capital One Venture card among the most popular credit cards for travel is its welcome offer - as a new cardholder, you get a one-time sign-up bonus of 20,000 miles. You have three months from the time you open your account to make $3,000 in net purchases before you can claim bonus miles.

Additional Benefits

As far as additional benefits go, you get $100 worth of credit reimbursement for the application fee for TSA Precheck or Global Entry, provided that you make the payment with your card.

With this credit card for traveling, you also get complimentary travel accident insurance, rental car coverage, and an extended warranty as a part of purchase protection for eligible items.

Bottom Line

In a complicated world of earning points and finding a way to redeem them, the Capital One Venture Rewards' simplicity is a true breath of fresh air. The flexible redemptions options, generous welcome offers, and useful travel benefits justify its moderate annual fee, making this card one of the best reward credit cards for travel and a good fit for almost anyone.

Reasons to Apply:

  • Flat-rate rewards
  • Flexible bonus redemption
  • No foreign transaction fees
+ Show more

Wells Fargo Propel American Express Credit Card

Wells Fargo Propel American Express Credit Card Logo Apply Now

On Official Website

Annual fee
$0
Foreign transaction fee
$0
APR
0% in the first year, then 14.49%-24.99%
Rewards rate
1x–3x points
Welcome offer
20,000 points
Recommended credit score
690–850

The Wells Fargo Propel American Express credit card is a solid choice for those looking to earn generous rewards on a wide range of spending categories. If you are averse to paying annual fees and don't care about a long list of fancy perks, keep reading this review.

Rewards

If you are on the hunt for the best credit cards for travel points and miles that can be transferred to a particular hotel or airline, you should probably look elsewhere. However, if you need a general rewards card with a simple but generous rewards policy, then the Wells Fargo Propel card may be a perfect fit.

This card offers a long list of purchase categories that earn three times the points of the amount spent. These include dining (bars, eating out, and ordering in), transportation (gas, ridesharing, and transit), travel (airfare, car rentals, hotels, and homestays), streaming services (Apple Music, Sirius XM Radio Inc, Spotify Premium, Hulu, Netflix, and Pandora).

With any other eligible spending category, the ratio is one point per $1 spent. Points are unlimited and won't expire as long as the account is kept open.

Redemption Options

This is one of the best credit cards for travel for those who value straightforward redemption options. Each point is worth a penny and can be put towards cashback, travel, or gift cards through the Wells Fargo Go Far Rewards portal. 

If you decide to translate your points into cash, you can redeem them in $20 increments at Wells Fargo ATMs, or via phone or online in $25 increments.

When it comes to booking travel, you can make payments with a combination of your payment card and bonus points. Customers who book flights with the Go Far Rewards portal face no blackout dates.

Other ways to put your rewards to good use include using points to pay for your credit card bill ($25 increments), redeeming points for digital devices and apparel, and purchasing gift cards for charity organizations.

APR and Fees

As one of the best no-fee credit cards for travel, the Wells Fargo Propel Amex comes with a 0% introductory APR for the first year of card membership on all purchases and balance transfers. Starting from the second year, the ongoing APR on purchases varies from 14.49% to 24.99%. 

There are no annual membership fees or foreign transaction fees. Balance transfers cost $5 or 3% of the amount of each balance transfer, whichever is greater of the two. After 120 days, the fee jumps to 5% for balance transfers. Cash advances come with a fee of at least $10 or 5% of the amount of the cash advance.

Welcome Bonus

As a new Wells Fargo Propel American Express cardholder, you can earn 20,000 bonus points if you meet the requirements of spending $1,000 in purchases during the first three months of your card membership. To give you a sense of how much the bonus points are actually worth, that's $200 in cash redemption value.

Additional Benefits

As far as additional benefits go, this travel credit card offers up to $600 (minus a $25 deductible) to protect your cell phone from damage or theft, provided that you use your Wells Fargo Propel Amex to pay for the monthly phone bill.

Other benefits include travel accident insurance and reimbursement for lost luggage, auto protection, car rental coverage, and purchase protections such as extended warranty.

Bottom Line

Generous rewards on an extensive list of everyday spending categories, a 20,000-point welcome bonus, and the absence of annual fees all make the Wells Fargo Propel American Express one of the top travel credit cards on the market.

This card may be lacking in the department of more comprehensive travel perks. However, if you're not a frequent traveler and need a card with a simple but lucrative bonus structure, this may be it.

Reasons to Apply:

  • No annual or foreign transaction fee
  • Good sign-up bonus
  • 3x rewards rate in various categories
+ Show more

Bank of America Travel Rewards Visa Credit Card

Bank of America Travel Rewards Visa Credit Card Logo Apply Now

On Official Website

Annual fee
$0
Foreign transaction fee
$0
APR
Variable, 14.99%-22.99%
Rewards rate
1.5 points per $1
Welcome offer
25,000 points
Recommended credit score
690–850

Given the bank's size and coverage area, it's no wonder the Bank of America Travel Rewards Visa credit card keeps finding its way to thousands of users. It lets you plan and book rewards-funded trips with any airline or hotel, it offers a solid welcome bonus and a good redemption policy.

Therefore, it's considered one of the best traveling credit cards for anyone averse to annual fees.

Rewards

The Bank of America Travel Rewards credit card comes with a simple, but attractive rewards policy. Every $1 in net purchases earns you 1.5 points. Every $1 in net purchases made through the bank's travel center - with the exception of insurance purchases - earns you 3 points.

As far as per-point value goes, each point is worth one cent when redeemed for travel. If redeemed for cash, a point is worth a little over half a cent.

Not only is the Travel Rewards from Bank of America considered one of the best credit cards for travel with no annual fee, it also comes with a lucrative additional rewards policy.

With at least $20,000 in your account, you can become a member of the bank's 3-tiered Preferred Rewards program and earn from 25% to 75% more bonus points with every purchase.

Rewards have no expiration date, which means that your bonus points will be there as long as you keep your account active. Also, there are no limits to the number of points that you can earn.

Redemption Options

What makes this Bank of America card one of the best rewards credit cards for travel is the fact that it isn't tied to a specific hotel chain or airline. In other words, you can book travel arrangements on your own terms and still redeem points from your Bank of America® Travel Rewards card for a statement credit to spend on hotel stays, flights, rental cars, cruises, and baggage fees.

Besides, Bank of America's definition of 'travel' is very broad, so your points can also be used to purchase tickets for tourist attractions and exhibits such as amusement parks, circuses, art galleries, zoos, and aquariums.

The minimum redemption requirement is 2,500 points in all of these cases. Rewards can also be redeemed for gift cards at varying per-point values.

APR and Fees

As one of the best Visa credit cards for travel, Bank of America's Travel Rewards comes with no annual or foreign transaction fees. Another rare benefit to enjoy with this card is the 0% introductory APR for purchases made in the first 12 billing cycles. After that, the ongoing APR ranges between 14.99% and 22.99%.

Welcome Bonus

The Bank of America travel card comes with a sign-up bonus of 25,000 points that can be turned into a $250 statement credit intended for travel-related spending. To be able to use the bonus, you'll have to make $1,000 in purchases within the first three months of opening your account.

Additional Benefits

This travel rewards credit card comes with a number of additional benefits and travel-friendly features. Round-the-clock concierge service, luxury hotel benefits, and travel protection are all available for Visa Signature cardholders at over 800 locations.

Apart from that, Visa cards are widely accepted all around the world and therefore an excellent choice for frequent international travelers.

Bottom Line

What makes this credit card really stand out from the competition is its flexibility - the Bank of America Travel Rewards Visa credit card doesn't require you to travel with a particular airline or stay in a certain hotel to be able to use your bonus points.

Its welcome bonus is decent and the ways you can earn and redeem points are simple and straightforward. Although other travel cards may come with a more comprehensive set of features, overall, this credit card is a sound option for a frequent traveler looking to avoid annual fees.

Reasons to Apply:

  • No annual fee
  • Generous rewards rate on all purchases
  • Flexible rewards redemption
+ Show more

Chase Sapphire Reserve Credit Card

Chase Sapphire Reserve Credit Card Logo
Annual fee
$550
Foreign transaction fee
$0
APR
Variable, 16.99%-23.99%
Rewards rate
1x–10x points
Welcome offer
50,000 points
Recommended credit score
740–850

Even though it comes at a price, the combination of a big welcome bonus, ongoing 3x points on travel and dining, hundreds of dollars in annual automatic credits and other high-value benefits makes Chase Sapphire Reserve well worth the money and one of the best travel rewards credit cards for those who travel regularly.

Rewards

The reward-earning policy is simple and straightforward. For each dollar that you spend on travel and dining, you get three times the amount in bonus points. Bear in mind that this doesn't apply to travel purchases reimbursed with the annual $300 travel credit. For all other purchases, you get a point for each dollar spent.

The credit card provider has recently introduced an additional way to earn points. For each dollar spent on Lyft services until March 2022, you'll get 10 times the amount in points.

Redemption Options

Chase Sapphire Reserve is arguably the best credit card for travel rewards and the long list of ways to redeem accumulated points is here to prove it. Once you set up an account on the Chase Ultimate Rewards portal, you'll be able to choose whether you want to redeem points for statement credit, direct deposits, travel, Amazon credits, gift cards, or a number of other options.

However, if you're looking to maximize the value of your rewards, we suggest you book travel through Chase's portal or transfer points to the company's partner hotels and airlines.

Airlines partners include Aer Lingus, Emirates, Air France/KLM, British Airways, Iberia, JetBlue, Virgin Atlantic, Singapore, and United, while Hyatt, Marriott, and InterContinental Hotels Group, and are among hotel partners.

It's the average per-point value that secures this Chase travel card a place among the top 10 travel credit cards. Here's an overview of points values for different redemption options.

A point is worth 1.5 cents for travel booked through Chase. Each point is worth one cent if redeemed for statement credit, direct deposit or gift cards. For Amazon purchases, the per-point value is 0.8 cents for each point.

APR and Fees

As far as interest rates go, Chase Sapphire Reserve comes with a variable APR of 16.99% - 23.99%, while the APR for cash advances is 26.49%. Although annual card membership comes at a cost of $550, this is still one of the best credit cards for travel with no foreign transaction fees.

Balance transfers will cost you at least $5 or 5% of the amount of each balance transfer, while for cash advances you'll have to pay either at least $10 or 5% of the amount of the transaction.

Welcome Bonus

As a new cardholder, you'll be rewarded 50,000 bonus points if you meet the requirement of making at least $4,000 worth of purchases in the first three months of your card membership.

If redeemed through Chase Ultimate Rewards for hotels, airfare, cruises, car rentals, or similar travel-related cost, the bonus has a value of $750.

Additional Benefits

Apart from the excellent ongoing rewards and a huge welcome bonus, it's the additional perks that offset the annual membership fee and make this card stand out from the competition. Not only does this Chase travel credit card come with a long list of airline and hotel transfer partners, but it also offers up to $300/year of statement credit intended for travel purchases.

As a Chase Sapphire Reserve cardholder, you also get purchase and fraud protection, a complimentary airport lounge membership, a $60/year credit for DoorDash, a one-year Lyft Pink membership, and a DashPass subscription.

Bottom Line

The Chase Sapphire Reserve is the best travel rewards credit card for frequent-to-constant travelers with excellent credit who aren't put off by the $550 annual membership fee. If you are after an extensive list of travel benefits and your spending style lets you make the most of the card's perks, the Chase Sapphire Reserve may be a great fit for your wallet.

Reasons to Apply:

  • High rewards rate and flexible redemption
  • Large welcome bonus
  • High-value travel benefits
+ Show more

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred Credit Card Logo
Annual fee
$95
Foreign transaction fee
$0
APR
Variable, 15.99%-20.99%
Rewards rate
1x–3x points
Welcome offer
100,000 points
Recommended credit score
690–850

Notable for its exceptional sign-up bonus and generous rewards policy, the Chase Ink Business Preferred is considered one of the best business credit cards for travel. If you are a small business owner who takes frequent trips or someone whose spending habits otherwise match the bonus categories, this card merits a closer look.

Rewards

When it comes to earning bonus points, the Chase Ink Business Preferred credit card has a rather complex rewards structure. For each dollar spent on travel-related purchases and certain business categories, you get three chase ultimate rewards points on the first $150,000 spent each year.

After that, each dollar earns you a single point. All other purchases also earn points at a 1:1 ratio.

Spending categories that get you three points per dollar are travel, internet, shipping, phone and cable services, and digital advertising. Note that this is the only business credit card that offers a 3x reward on social media and search engine advertising purchases.

Redemption Options

As one of the most convenient credit cards for travel, the Ink Business Preferred offers a number of options for redemption. Cardholders can redeem points for travel, cash, gift cards, and products and services available through the company's portal or third party providers.

Here's a pro tip - to maximize the worth of your accumulated rewards, make sure that you redeem them to book trips.

There are two ways to make the most of your points for travel. First, if you decide to redeem them through the Chase Ultimate Rewards portal, the value of your points will increase by 25%, meaning that every bonus point will be translated to 1.25 cents.

The second option this travel rewards card offers can potentially bring you even more value. It's all about transferring the rewards to one of Chase's hotel or airline partners. The list of partners is long and includes British Airways Executive Club, Aer Lingus AerClub, Flying Blue Air France KLM, Iberia Plus, KrisFlyer, United Airlines MileagePlus, JetBlue, Singapore Airlines, Rapid Rewards, Southwest Airlines, and Virgin Atlantic Flying Club.

Also, the hotel partners are World of Hyatt, IHG Rewards Club, and Marriott Rewards.

APR and Fees

When it comes to interest rates, the Chase Ink Business Preferred credit card comes with an ongoing variable APR of 15.99% - 20.99%, while the APR for cash advances is 26.49%. Annual card membership comes at a price of $95.

As one of the best credit cards for international travel, the Ink Business Preferred has no fees for foreign transactions. Balance transfers cost at least $5 or 5% of the amount of the transfer, while cash advances come at a price of either $15 or 5% of the amount of each advance, whichever of the two is greater.

Welcome Bonus

The Ink Business Preferred card comes with a spectacular welcome bonus of 100,000 points. To obtain the bonus, you are required to spend $15,000 on purchases in the first three months of your card membership. Regardless of how you decide to redeem your points, this is still one of the highest available bonus offers.

Additional Benefits

You can expect quite a few additional benefits with this card. These include fee-free additional employee cards with individual spending limits, cell phone protection for theft or damage of up to $600, coverage for canceled or interrupted trips of up to $5,000 per trip, rental car coverage, and purchase protection against damage or theft, and extended warranty.

Bottom Line

Not only does the Chase Ink Business Preferred card offer a spectacular 100,000-point welcome bonus, but it also comes with a highly flexible rewards-earning and redemption policy, especially for travel-related purchases. However, you should consider looking for the best credit cards for business travel elsewhere if your business heavily relies on travel and you need to be on the go constantly.

Reasons to Apply:

  • High ongoing rewards
  • Large welcome bonus
  • High-value travel benefits
+ Show more

Citi Premier® Card

Citi Premier® Card Logo Apply Now

On Official Website

Annual fee
$95
Foreign transaction fee
$0
APR
Variable, 15.99% to 23.99%
Rewards rate
1x-3x points
Welcome offer
80,000 points
Recommended credit score
700 or higher

This card is an excellent option for everyone looking to earn points quickly. It earns you points without forcing you to change your lifestyle or spending habits. It rewards you with 3x bonus points for eating out, shopping at supermarkets or gas stations, but on air travel and hotels as well. You can use Citi's ThankYou® Points for your next vacation or other rewards. 

Rewards

Citi Card rewards are called Citi's ThankYou points. As mentioned before, you can earn 3x the points when shopping for groceries, at gas stations, or when dining out and traveling. Every other purchase nets you 1x the reward points.

On top of that, with Citi Card, you can count on $100 in annual hotel savings, which will brush off $100 off one of your stays at a hotel that is worth $500 or more. It also allows you to transfer the earned points to one of the participating airlines, such as TrueBlue®, Virgin Atlantic Flying Club, or Singapore Airlines KrisFlyer, to get flights faster.

Since it doesn't have any foreign transaction fees, this is an excellent card to have in your wallet if you decide to pull off that road trip and see the world finally.

It is also an excellent card to have if you love going out and gaining new experiences, but don't want that lifestyle ruining your personal finance  and savings plans. You can purchase tickets to numerous events with this card, including the most anticipated sporting events, concerts, and dining experiences.

You can also use it to get special access to some of them or obtain pre-sale tickets. 

Redemption Options

Overall, you can redeem these points for new travel experiences, such as flights, hotels, and cruises. This card keeps adding new hotel chains and airlines to its offer. You'll be able to find and book your next ideal vacation by redeeming points through the Citi ThankYou portal.

From there, you can also use these rewards points to shop on Amazon or at BestBuy.com for your new travel bags, for example. You can also redeem them at a 100:1 rate for gift cards so that you can treat yourself with anything you'd like, not limited to travel.

Lastly, you can also donate these points and help Citi and PayPal provide funding to the goal to end the COVID-19 pandemic.  

APR and Fees

Citi card offers some decent rates to its cardholders. The APR for this card is between 15.99% to 23.99% depending on your creditworthiness. If you are late with your payment, you can expect the APR rate to jump to 29.99%.

There is also a $95 annual fee, which can be a bit steep compared to some other cards that boast no yearly fees whatsoever. 

There are no foreign purchase transaction fees, though. However, you can expect to pay a balance transfer fee, which could be either $5 or 5%, and there are $40 penalty fees for late payments or payments that bounced back. 

Welcome Bonus

This card comes with an astonishing 80,000 bonus points if you spend $4,000 in the first three months from opening the account. That is a significant amount that you can put towards your next vacation or even use to earn gift cards for shopping or just - coffee. 

Additional Benefits

Apart from excellent entertainment and travel benefits, this card also grants several others that focus on convenience. For example, you can add an authorized user to your card for free to earn bonus points faster.

The card's digital wallet technology can make online shopping faster and more secure. Shopping at a brick-and-mortar store is also simpler for holders of this card - its tap and pay technology shortens the time spent at the checkout significantly. 

Bottom Line

If you are looking for a card that can earn you points for your next excursion, Citi Premier Card is an excellent contender for a place in your wallet. It stands out for its convenience, as it rewards you in bonus points worth three times your expenses for your regular spending.

There is no need to bend over backwards for those points, and they can be effortlessly redeemed for your next trip!

Reasons to Apply:

  • Points are easy to earn
  • Use points to shop on Amazon or BestBuy.com
  • Excellent travel benefits
+ Show more

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card Logo Apply Now

On Official Website

Annual fee
$0
Foreign transaction fee
$0
APR
Variable, 15.99% to 23.99%
Rewards rate
1x-5x points
Welcome offer
50,000 points
Recommended credit score
700 or higher

If you are looking for a card that will allow you to pile up rewards and help you travel in style while saving money, U.S. Bank Altitude® Connect Visa Signature® Card is the one for you. This card offers excellent value with reward points that never expire and an enticing welcome bonus you can exchange for your next trip.

As a cherry on top, it offers a bonus to people who love streaming services - you not only get double the reward points, but also $30 credit after 11 months of streaming service purchases.

Rewards

If you are a frequent traveler, then earning rewards you can use for more traveling is effortless - especially since prepaid hotels and car rentals booked through the Altitude center bring you 5x the points as a reward.

Other travel and gas stations earn you 4x the reward points. You can earn 2x points at grocery stores and by using delivery services, by dining outside, and, of course, by using popular streaming services. If there ever was a card that rewards Netflix binging with snacks, this is it.

Apart from allowing you to earn increased points from traveling, buying food, and streaming, you get 1x points for every other purchase with this card. That's a lot of points to earn!

You can pile them up and redeem them for your next big vacation and travel in style, or even use them as backup for your retirement plans that involve traveling the world. Considering these points never expire, you don't have to rush out to spend them.

Redemption Options

Speaking of redeeming these points, you should know that each point is worth $.01. Unfortunately, the website's content doesn't specify what you can exchange your points for in great detail. Still, it does mention that you can redeem them towards travel, gift cards, cashback offers, and merchandise.

You can also use these points to get up to $100 in statement credits for reimbursing your application fee every four years. There is also the aforementioned $30 that you can use for purchasing streaming subscriptions.

If you plan to use the reward points for your next adventure, you can check the specific places to book once you are approved for the card. 

APR and Fees

This card is one of the rare ones on our list that offers an introductory period for its annual fee, which is great if you want to refinance old debts, for example. There is no annual fee for the entire first year, and the card has no overdraft or foreign transaction fees, either. That said, you'll have to pay $95 after the first year.

Its APR rates are also in the average bracket. Depending on your creditworthiness, you can expect your APR to be anywhere between 15.99% to 23.99%. There is no penalty APR to worry about, but you will have to pay a $40 penalty fee for late payments.

Welcome Bonus

Apart from the no annual fee bonus we've already mentioned, this card offers a decent amount of bonus points to reward new users. With this card, you can get 50,000 bonus points, which translates into a $500 value that you can put toward your next vacation.

The requirements for earning these bonus points are much better than with other cards on this list - to get them, you have to spend $3,000 over the first four months of owning the card. 

Additional Benefits

On top of these excellent bonus points, this card comes with other exciting benefits. Since it is a Visa card, all the Visa benefits apply: you can use it for once-in-a-lifetime travel experiences, enjoy fine wine and food, shopping at a discount at your favorite stores, and much more.

This card also allows contactless payments and offers up to $600 reimbursement insurance for your mobile device if it gets stolen. With Visa cards, you can use your smartphone or tablet for banking with confidence, knowing that Visa will have you covered in case something goes south.

Lastly, you can add this card to your mobile wallet and enjoy online shopping.  

Bottom Line

Overall, U.S. Bank Altitude® Connect Visa Signature® Card is an excellent choice for anyone looking for a travel card from a well established issuing bank. It offers easy-to-earn bonus points, allows you to gather rewards for every purchase you make, and doesn't have any annual fees for the first year.

The card also comes with exceptional Visa benefits. Finally, let's not forget that this is the only card on our list that rewards you for binging Netflix!

Reasons to Apply:

  • 2x rewards for takeout and streaming
  • No fee for your card during the first year of usage
  • Easily earnable welcome bonus
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World of Hyatt Credit Card

World of Hyatt Credit Card Logo Apply Now

On Official Website

Annual fee
$95
Foreign transaction fee
$0
APR
Variable, 15.99% to 22.99%
Rewards rate
1x-9x points
Welcome offer
60,000 bonus points
Recommended credit score
700 or higher

Staying in one of Hyatt's residencies is typically a fantastic experience. With a World of Hyatt credit card, it gets even better. Not only does it offer free nights at these hotels and resorts, but other great perks and upgrades as well.

Rewards

This is the perfect card to have in your wallet if you travel often and choose to stay at Hyatt's hotels and resorts, as each stay will bring you a whopping 9x the amount spent. Furthermore, many other activities give you 2x bonus points, including flights, gym memberships, dining out, and local transit and commuting.

It also includes all kinds of shopping, which will also net you 2x the points. There's even an intro offer where every purchase will be worth double the points for a period of time - six months, to be accurate.

This card will reward you with up to two free nights at any Category 1-4 Hyatt hotel or resort. One night is on the house for your cardmember anniversary, and the other one is rewarded if you spend $15,000 on the card during the calendar year.

Redemption Options

When it comes to redeeming your points, you have plenty of options. For a relaxing holiday, you can exchange them for free nights at specific locations, either hotels, standard Hyatt resorts, or small luxury resorts. You can also combine them with cash to get the rooms at a discount or use them to get unique upgrades.

The points can also be used on travel. You can turn them into miles with one of 25 partner airlines. If you prefer to drive, you can exchange them for car rentals, too. 

There's also the option of gift cards and sharing the benefits with the people you love. Lastly, you can use the points to book experiences at Hyatt hotels and resorts - you can enjoy Hyatt's meals, spa, or meeting rooms without actually having to book a stay. Finally, this card includes FIND experiences and unique trips to the Antarctic, Galapagos, and beyond.

APR and Fees

For a card that opens so many doors, it has very reasonable fees and APR rates. First off, there's a $95 annual fee. It also comes with a standard $40 late payment fee but no foreign transaction fees - making it an excellent credit card for traveling. 

The variable APR is fairly standard and ranges from 15.99% to 22.99%, depending on your creditworthiness. The better your credit history, the better your APR. However, if you are late with your payment, you'll get a 29.99% penalty APR.

Unlike some other cards, this higher APR may remain indefinitely, which is why our obvious advice is this: don't pick this card if you think you may run into problems making regular payments.

Welcome Bonus

Welcome bonus with this card is excellent but a bit convoluted. You're eligible to earn up to 60,000 bonus points in two different ways. You'll earn 30,000 points by spending $3,000 in the first three months after opening the account.

The remaining 30,000 points can be obtained by spending up to $15,000 on eligible purchases that net you 2x bonus points. To make it simple - you earn bonus points for traveling by traveling.  

Additional Benefits

Additional benefits of using this card are mostly tied to your stays at Hyatt hotels and resorts. With the World of Hyatt credit card, you can enjoy late check-outs to avoid those early morning rushes.

You will gain an additional 10% bonus points you can put toward your next stay and use the premium internet in your hotel room for those late-night moments of relaxing with Netflix or sending that time-sensitive email to your colleagues.   

Bottom Line

If Hyatt is a name you trust with your holidays and vacations, then the World of Hyatt is a credit card to apply for. Not only do you get to earn excellent bonus points without making any significant changes to your spending habits, but will also enjoy perks unique to Hyatt.

Even your stays at the company's hotels and resorts will earn you additional points, not to mention the free accommodation up to two times per year.

Reasons to Apply:

  • Points can be exchanged for free nights at Hyatt residencies.
  • Massive 9x the reward points for money spent at Hyatt hotels and resorts
  • Excellent upgrades while staying at Hyatt hotels and resorts
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Evaluation Criteria

Our Criteria for Evaluating Travel Credit Cards

Getting accurate information is crucial before choosing a credit card. We dived into each card's advantages and drawbacks to determine the most convenient travel card options for all kinds of consumer habits.

Here are the factors we suggest you take into account when choosing the best credit card for miles and points for your spending style.

Rewards and Redemption Options

The rewards rate is one of the benefits that make traveling cards differ from other types of credit cards. With most cards of this kind, every purchase that you make earns you a certain amount of bonus points or miles that can be later redeemed for cash, travel expenses, car rentals, or even gift cards.

As an industry average, expect to earn about 1 cent per point or mile. The best credit cards for travel come with an array of flexible redemption options such as hotel and airline transfers that can help you maximize the value of your accumulated rewards, regardless of the spending style you are used to or your budget.

Depending on the card, you may be eligible to earn redeemable rewards at premium hotels and airline companies such as IHG Hotels & Resorts, Alaska Airlines, JetBlue, American, United and Delta airlines, Hilton, Hyatt and many more.

Welcome Bonus

Most new cardholders judge a rewards card by its welcome bonus. While this shouldn't be the only factor to take into account when looking for the best travel card, it's definitely an important one to consider. Note that even the best travel credit card offer won't do you any good if you can't meet the requirements to claim the bonus.

Additional Benefits

Apart from the rewards policy and bonus offers, each travel card comes with a list of additional benefits such as lost luggage insurance. In some cases, it's the complimentary travel perks that compensate for a poor welcome bonus and make the card worth its high annual fee.

These perks can vary widely from card to card and mostly include bonus travel credits, travel insurance, and shopping protection. The best credit cards for air travel also offer flight upgrades and free hotel stays when used to book flights and stays.

Credit Score Requirements

Although you won't see it in the ads that promote spectacular welcome bonuses and out-of-this-world cashback opportunities, credit cards that earn rewards are reserved for people with high creditworthiness.

While they aren't impossible to get, bear in mind that the best travel credit cards for good credit usually require a score of at least 690.

APR and Fees

When it comes to interest rates, rewards cards come with a variable annual percentage rate (APR) which is essentially the price you have to pay for borrowing money. As far as fees go, the ones to look out for are annual fees, foreign transaction fees, balance transfer fees, and cash advance fees.

Co-Branded vs. General Travel Credit Cards

There's also another factor to consider when choosing a travel business card. Some travel cards focus on one chain or brand when it comes to the rewards they offer. These cards are called co-branded travel credit cards and they usually carry the name of an airline or hotel group.

These cards are a great choice for brand loyal customers since they offer unmatched rewards for that particular company. However this lack of flexibility may mean that you have to postpone your excursion to a time when eligible seats or rooms free up.

Frequently Asked Questions

What kinds of travel credit cards are there?

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With the travel credit card market getting more competitive every year, the carriers need to offer different kinds of credit cards to stay ahead of the game. It's safe to say that, nowadays, there is a range of premium credit card options for everyone's spending habits. Check out our picks for the best travel credit card offers.

Which credit card gives the best travel rewards?

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When it comes to the best credit card for travel rewards, there are quite a few options. Each card has a unique bonus system that corresponds with certain spending habits.

Some of the most popular credit card deals come with Capital One Venture Rewards Credit Card, Bank of America Travel Rewards Visa Credit Card, the Platinum Card from American Express, Chase Ink Business Preferred Credit Card, Wells Fargo Propel American Express Credit Card, and Chase Sapphire Reserve Credit Card.

What credit score do I need to get a travel rewards credit card?

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As a rule, credit cards with high travel rewards are meant for users with higher creditworthiness. If you are planning to apply for any of the best travel rewards cards, your score should at least be described as "good," if not "excellent."

The exact credit history requirements may vary from card to card, however, options are limited for those in the lower 600s. Note that credit history is not the only factor that lenders will look at as they also normally consider your income and the amount of debt you have, among other things.

Is it worth getting a travel credit card?

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In the last few years, many banks, and other financial companies have been competing against each other hoping to offer one of the best credit cards for travel miles and points.

As a result, features such as travel credits, upgrade programs and the lack of foreign transaction fees have become almost standard to any card issuer on the market. While a number of great perks can come with a travel credit card, it's important to learn when to look beyond them.

Note that you should never apply for a credit card just for the sake of the additional features that may sound great, but have nothing to do with your consumer habits.

How can I maximize my travel credit card?

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Here are a few tips that'll help you get the most out of your card:

a) Make sure that you've chosen one of the best credit cards for travel that matches your general consumer habits perfectly;

b) use your travel card for everyday purchases;

c) inform yourself about bonus opportunities;

d) redeem accumulated bonus points for travel;

e) book through the card issuer's own platform;

f) don't spend money on the benefits that you won't use.