BEST TRAVEL CREDIT CARDS

TOP REWARDS CREDIT CARDS

If you are just starting out in the world of travel hacking, these are some of the first best travel credit cards we would recommend to the majority of people. There are no one size fits all solutions, but these cards are in our wallets for one reason or another. Some were acquired for their valuable sign-up bonuses and kept, because they either have no annual fee or continue to provide value above the cost of said annual fee. We always recommend sitting down every year when your annual fee hits and doing the math. You always need to be sure the value you're getting from the card outweighs the costs.

 

For anyone looking to get into the points & miles "game" we would highly suggest using our consultation service. However, if that doesn't seem like the right fit for you at this time or if you've already signed up, we would greatly appreciate if you clicked through our links which help support the site.*

 

*In the interest of full disclosure, Travel Is The Point. earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. We choose our picks based on the combination of benefits the card provides, and the ability to earn outsize rewards. Thanks for your support!

 

Without further ado here are our best travel credit cards right now...

BEST TRAVEL CREDIT CARD FOR BEGINNERS


Chase Sapphire Preferred

 Clickable card art links to Chase Sapphire Preferred(Registered Trademark) credit card product page

NEW CARDMEMBER OFFER

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's approximately $1,200 toward travel rewards when you redeem through transfer partners.

AT A GLANCE

Premium travel & dining rewards Earn 2x points on travel and dining at restaurants.

APR

17.49%–24.49% variable APR.

ANNUAL FEE

$95

 

BEST CHASE BUSINESS CREDIT CARD FOR TRAVEL


Chase Ink Business Preferred

Clickable card art links to Ink Business Preferred(Service Mark) credit card product page

NEW CARDMEMBER OFFER

100,000 bonus points after you spend $10,000 on purchases in the first 3 months after account opening. That's approximately $2,000 toward travel rewards when you redeem through transfer partners.

AT A GLANCE

Reward your business with premium travel rewards. Earn 3x points on travel and other select business categories.

APR

17.49%–22.49% variable APR.

ANNUAL FEE

$95

 

BEST CREDIT CARD FOR ROTATING CASH BACK


Chase Freedom Flex

clickable link to cc application

NEW CARDMEMBER OFFER

Best Freedom Flex bonus offer: $200 cash back plus 5% cash back grocery store offer
after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

AT A GLANCE

Earn cash back for every purchase

Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate.

Earn 5% on travel purchased through Chase Ultimate Rewards.

Earn 3% on dining at restaurants, including takeout and eligible delivery services.

Earn 3% on drugstore purchases.

Earn 1% on all other purchases.

APR

0% intro APR for 15 months from account opening on purchases. After that, 14.99%–23.74% variable APR.

ANNUAL FEE

$0

 

BEST CREDIT CARD FOR FLAT-RATE CASH BACK


Clickable card art links to Chase Freedom Unlimited credit card product page

NEW CARDMEMBER OFFER

Best Freedom Unlimited bonus offer: $200 cash back plus 5% cash back grocery store offer
after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

AT A GLANCE

Earn cash back for every purchase

Earn 5% on travel purchased through Chase Ultimate Rewards.

Earn 3% on dining at restaurants, including takeout and eligible delivery services.

Earn 3% on drugstore purchases.

Earn 1.5% on all other purchases.

APR

0% intro APR for 15 months from account opening on purchases. After that, 14.99%–23.74% variable APR.

ANNUAL FEE

$0

 

BEST CREDIT CARD FOR PREMIUM TRAVEL PERKS


American Express Platinum

NEW CARDMEMBER OFFER

100,000 bonus points after you spend $6,000 on purchases in the first 6 months after account opening. That's approximately $2,000 toward travel rewards when you redeem through transfer partners.

AT A GLANCE

5x Membership Rewards Points

  • Earn 5x Membership Rewards points for flights booked directly with airlines or with American Express Travel.
  • Earn 5x Membership Rewards points on prepaid hotels booked on amextravel.com.

$200 Uber Cash

With your Card, you'll receive $15 in Uber Cash for rides or eats orders in the US every month plus a bonus $20 in December, delivered through an exclusive Uber app experience. That's up to $200 for Uber rides or eats orders annually. You'll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience.*

*Uber Cash and Uber VIP status is available to Basic Card Member only

$200 Hotel Credit

Get $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.

$200 Airline fee credit

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card Account.*

*American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.

$240 Digital Entertainment Credit

Get up to $20 back each month when you pay for one or more of Peacock, The New York Times, Audible, or SiriusXM with your Platinum Card. Enrollment required.

$179 with CLEAR

Breeze through security with CLEAR where available and get up to $179 back per year on your membership when you use your Card. CLEAR uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S.

$100 Shop Saks with Platinum

Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card. That's up to $50 on a semi-annual basis. Enrollment required.

$155 Walmart+ Credit with Platinum

Walmart+ members enjoy shopping perks - both online and in-store - at Walmart. Use your Platinum Card to pay for a monthly Walmart+ membership and receive a statement credit that covers the full cost each month.

$300 Equinox Credit with Platinum

Get a $25 statement credit each month on a digital or eligible club membership at Equinox. Simply use your Platinum Cars to pay for an Equinox+ digital fitness subscription, or eligible monthly Equinox club membership fees. Visit https://platinum.equinox.com/ to enroll.

Fee credit for Global Entry or TSA Pre✓

Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre✓. TSA Pre✓ can expedite security screening and Global Entry can reduce wait time at U.S. Customs at select airports. If you are approved for Global Entry, you will also receive access to TSA Pre✓. Only one credit will be given in a four year period for Global Entry or in a 4.5 year period for TSA Pre✓, depending on whichever application fee is charged to your Card first.

Fine Hotels & Resorts program

Receive complimentary benefits with an average total value of $550* with Fine Hotels & Resorts at over 1,000 properties.

*Average value based on Fine Hotels & Resorts bookings in 2018 for stays of two nights. Benefits include daily breakfast for two, room upgrade when available, property amenity valued at $100, guaranteed 4PM late check-out, noon check-in when available, and complimentary Wi-Fi. Room upgrade not guaranteed; certain room categories not eligible for upgrade. Amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

The Global Lounge Collection

When travel calls, we answer. The American Express Global Lounge Collection unlocks access to more than 1,200 airport lounges across 130 countries and counting. Our unmatched worldwide coverage is made possible through our own networks, The Centurion Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club and Priority Pass Select lounges.

No foreign transaction fees

Enjoy every trip abroad with no foreign transaction fees from American Express with the Platinum Card.

ANNUAL FEE

$550

 

BEST CREDIT CARD FOR DINING & GROCERIES


American Express Gold

clickable art for cc application

NEW CARDMEMBER OFFER

Earn at least 60,000 bonus points after you spend $4,000 on purchases in the first 3 months after account opening. That's approximately $1,200 toward travel rewards when you redeem through transfer partners.

AT A GLANCE

4x Membership Rewards® points

  • Earn 4x Membership Rewards® points when you dine at restaurants worldwide.
  • Earn 4x Membership Rewards® points at US supermarkets on up to $25,000 per calendar year in purchases.

3x Membership Rewards® points

  • Earn 3x Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

$120 Dining Credit

Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

$120 Uber Cash with Gold Card

Whether you're dining or riding, Uber and Gold deliver savings. Enjoy up to $120 in Uber Cash per year for Uber Eats orders or Uber rides in the U.S. Just add your Card to your Uber account and you'll automatically receive $10 in Uber Cash every month.

No foreign transaction fees

Enjoy every trip abroad with no foreign transaction fees from American Express with the Gold Card.

ANNUAL FEE

$250

 

BEST CREDIT CARD FOR 0% INTRO APR


American Express EveryDay

clickable link to cc application

NEW CARDMEMBER OFFER

10,000 bonus points after you spend $1,000 on purchases in the first 3 months after account opening. That's approximately $200 toward travel rewards when you redeem through transfer partners.

AT A GLANCE

Earn 20% extra points

Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.

2x Membership Rewards® points

  • Earn 2x Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1x).
  • Earn 1x Membership Rewards® point for every eligible dollar you spend. Terms and Limitations Apply.

APR

0% intro APR for the first 15 months on purchases. After that 12.99%–23.99% variable APR.

ANNUAL FEE

$0

 

RUNNER-UP BEST CREDIT CARD FOR ROTATING CASH BACK


Discover it

NEW CARDMEMBER OFFER

Best Discover it® bonus offer: Get a $50 Statement Credit when you apply through this referral link and make your first purchase within 3 months of being approved.

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

AT A GLANCE

Earn cash back for every purchase Earn 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.

APR

0% intro APR for 14 months from account opening on purchases and balance transfers. After that, 11.99%–22.99% variable APR.

ANNUAL FEE

$0