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.

Best Travel Credit Cards of July 2024

loaded with features<\/a> 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 \u2014 through both Chase and transfer partners \u2014 and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//why-i-love-chase-sapphire-preferred///">Why expert Margaret Weck loves using the Chase Sapphire Preferred<\/a> Alternatives:<\/strong>  If you\u2019re looking for an even simpler travel card, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-venture-rewards-credit-card///">Capital One Venture Rewards Credit Card<\/a> is a terrific option. Its flat rewards rate makes it easy to know exactly how much you\u2019ll earn with every purchase and though it can\u2019t match the Sapphire Preferred\u2019s redemption flexibility, it offers more redemption options than the typical travel rewards card. <\/div>","pros_and_cons_header":"What you should know","pros":["You earn Ultimate Rewards points with this card \u2014 some of the most valuable and flexible rewards around, especially if you pair it with Chase\u2019s 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."],"cons":["Doesn\u2019t 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."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It carries solid travel perks and protections, a great mix of bonus categories, valuable points and flexible redemption."},"program":{"id":43,"name":"Chase Ultimate Rewards (Sapphire Preferred and Ink Business Preferred cards)","active_rate":{"id":44,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Auto Rental Insurance","image":"d6ec79897b86788fd06161de100bae33.png"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Lost Luggage Reimbursement","image":"231ad48ab7e885376229897f37b65348.png"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Primary Auto Rental Insurance","image":"9fb1075bfc14ead7984202901ff13e5d.png"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Roadside Assistance","image":"aa9e23720be9c22177565be427797d94.png"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Travel Assistance","image":"26421ca115c6cf8f5b77f401ccc2b7e3.png"},{"name":"Trip Cancellation Insurance","image":"a1b8370a910a1d34fa62103b4eb338fe.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Visa","image":"aef17b2f1dfc88c2fe6534963ae586cd.png"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best starter travel card

Add to compare

Chase Sapphire Preferred® Card

Bankrate score

4.8

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

Bankrate review

Bankrate score

4.8

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

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

60,000 bonus points

$1,200 value

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.

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% Variable

Why you’ll like this card: It carries solid travel perks and protections, a great mix of bonus categories, valuable points and flexible redemption.

- 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.
Pros

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.

Cons

Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.

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

Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-sapphire-preferred-card///">Chase Sapphire Preferred\u00ae Card<\/a> 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.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["You can\u2019t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.","The card\u2019s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don\u2019t have large purchases on the horizon."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It earns rewards easily with its 2X miles and gives you the flexibility to cover a range of recent travel purchases with miles."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Miles","image":null},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for flat-rate rewards

Add to compare

Capital One Venture Rewards Credit Card

Bankrate score

4.9

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

Bankrate review

Bankrate score

4.9

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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

Earn 75,000 miles

$1,275 value

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

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

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It earns rewards easily with its 2X miles and gives you the flexibility to cover a range of recent travel purchases with 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.
Pros

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.

Cons

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

Why expert Holly Johnson loves the Platinum Card\u00ae from American Express<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-venture-x///">Capital One Venture X Rewards Credit Card<\/a> 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.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["The $695 annual fee may not be worth it if you don\u2019t spend much on travel frequently or can\u2019t take full advantage of the card\u2019s luxury \u2014 and often niche \u2014 perks.","Redeeming and maximizing the card\u2019s credit and benefits requires some legwork and can be a bit confusing."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"No other card offers so many annual credits, such comprehensive airport lounge access and such valuable travel protections and hotel privileges."},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Airport Lounge Access","image":"0a7bb0c9d2441e79b34993203e8d1f86.png"},{"name":"Annual Uber Credit","image":"57d3b70966ec41ae81d620b6c000eb39.png"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Elite Status","image":"9fa189a52338b4574699750e7a6e121d.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Free Wi-Fi Access","image":"b67ead4ff3cb0e57462c3dce8e876546.png"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Private Jet Access","image":"2566a3a19d7cf57528d908d8d8163ce5.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"TSA\/Customs Reimbursement","image":"2c364fe0-bd24-11e9-a841-3728becc33ed.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Ultra-Premium Card","image":null},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for luxury travel

Add to compare

The Platinum Card® from American Express

Bankrate score

4.8

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

Bankrate review

Bankrate score

4.8

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

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

Earn 80,000 points

$1,600 value

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

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 - 5X

Annual fee

$695

APR

See Pay Over Time APR

Why you’ll like this card: No other card offers so many annual credits, such comprehensive airport lounge access and such valuable travel protections and hotel privileges.

- 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.
Pros

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.

Cons

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.

Reasons to get the VentureOne Rewards Card<\/a> Alternatives:<\/strong> A general-purpose <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//cash-back//best-flat-rate-cash-back-credit-cards///">flat-rate credit card<\/a> that offers 2X points or 2 percent cash back on all purchases may bring more value if you don\u2019t travel often and aren\u2019t ready to upgrade to a travel rewards credit card with an annual fee. However, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//discover-it-miles///">Discover it\u00ae Miles<\/a> 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.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards\u2019 value.","Capital One has no major U.S. carrier in its line-up of travel partners."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s one of the only no-annual-fee travel cards that lets you transfer miles to airline and hotel partners."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Miles","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for no annual fee

Add to compare

Capital One VentureOne Rewards Credit Card

Bankrate score

4.1

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

Bankrate review

Bankrate score

4.1

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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

20,000 miles

$340 value

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

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

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s one of the only no-annual-fee travel cards that lets you transfer miles to airline and hotel partners.

- 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 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.
Pros

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.

Cons

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

Why the Amex Gold is worth the annual fee<\/a> Alternatives:<\/strong> If the Amex Gold Card\u2019s annual fee sounds high, <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//amex-gold-vs-chase-sapphire-preferred///">consider the Chase Sapphire Preferred\u00ae Card<\/a>. It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["Although the card touts a solid collection of travel perks, it doesn\u2019t 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."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Food-related perks are the core of this card \u2014 from its annual dining and food delivery credits to its competitive dining rewards rates."},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for foodies

Add to compare

American Express® Gold Card

Bankrate score

5.0

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

Bankrate review

Bankrate score

5.0

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

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

Earn 60,000 Membership Rewards® Points

$1,200 value

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

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.

3X - 4X

Annual fee

$250

APR

See Pay Over Time APR

Why you’ll like this card: Food-related perks are the core of this card — from its annual dining and food delivery credits to its competitive dining rewards rates.

- 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.
Pros

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.

Cons

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.
- Terms Apply.

Chase Sapphire Preferred\u00ae Card<\/a> could be an even more lucrative everyday rewards card. That\u2019s 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).<\/div>","pros_and_cons_header":"What you should know","pros":["It\u2019s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it\u2019s 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."],"cons":["The annual hotel benefit, though generous, isn\u2019t very flexible: You\u2019ll 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\u2019s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s a great option for occasional travelers thanks to its everyday rewards, practical perks and pairing potential."},"program":{"id":46,"name":"Citi ThankYou Points (Premier card)","active_rate":{"id":47,"label":"2023","active":1,"unit_value":"0.01600"}},"tags":[{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for everyday spending

Add to compare

Citi Strata Premier℠ Card

Bankrate score

4.5

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

Bankrate review

Bankrate score

4.5

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Citi's secure site

See Rates & Fees

Intro offer

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

70,000 bonus points

$1,120 value

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

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.

1X - 10X

Annual fee

$95

Regular APR

21.24% - 29.24% (Variable)

Why you’ll like this card: It’s a great option for occasional travelers thanks to its everyday rewards, practical perks and pairing potential.

- 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).
Pros

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.

Cons

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 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
- $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

Is the Bank of America Travel Rewards card worth it?<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-ventureone-rewards-credit-card///">Capital One VentureOne Rewards Credit Card<\/a> 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.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["It only offers 1.5X points on purchases, and you can\u2019t transfer points can\u2019t 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\u00ae program may be out of reach for many cardholders."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It boasts a more valuable welcome offer than most no-annual-fee travel cards and is one of the few that offers an intro APR."},"program":{"id":40,"name":"Bank of America Travel Rewards","active_rate":{"id":41,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"FICO Score","image":"3c51fb9d53203e43288b4d33bc8ffb99.png"},{"name":"Flat Rate Rewards","image":null},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Personal","image":null},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Visa","image":"aef17b2f1dfc88c2fe6534963ae586cd.png"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for intro APR

Add to compare

Bank of America® Travel Rewards credit card

Bankrate score

4.1

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

Bankrate review

Bankrate score

4.1

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Bank of America's secure site

Intro offer

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

25,000 points

$250 value

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

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

Annual fee

$0

Regular APR

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

Why you’ll like this card: It boasts a more valuable welcome offer than most no-annual-fee travel cards and is one of the few that offers an intro APR.

- 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.
Pros

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.

Cons

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.
- 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.
- 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.
- 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.

Why expert Holly Johnson loves the Chase Sapphire Reserve Card<\/a> Alternatives:<\/strong> 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 <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-venture-x-vs-chase-sapphire-reserve///">competitive airport lounge access<\/a>, up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.<\/div>","pros_and_cons_header":"What you should know","pros":["You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.","Its <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-sapphire-reserve-benefits-guide///">top-tier benefits<\/a> include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks."],"cons":["The card\u2019s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.","You won\u2019t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Points are worth 50 percent more when you redeem via Chase Travel \u2014 the best value you can get on a general travel card without transferring points."},"program":{"id":44,"name":"Chase Ultimate Rewards (Sapphire Reserve card)","active_rate":{"id":45,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Airport Lounge Access","image":"0a7bb0c9d2441e79b34993203e8d1f86.png"},{"name":"Annual Travel Credit","image":"3f500bac6b57606be541be2d7aa59aa9.png"},{"name":"Auto Rental Insurance","image":"d6ec79897b86788fd06161de100bae33.png"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Lost Luggage Reimbursement","image":"231ad48ab7e885376229897f37b65348.png"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Primary Auto Rental Insurance","image":"9fb1075bfc14ead7984202901ff13e5d.png"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Roadside Assistance","image":"aa9e23720be9c22177565be427797d94.png"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Travel Assistance","image":"26421ca115c6cf8f5b77f401ccc2b7e3.png"},{"name":"TSA\/Customs Reimbursement","image":"2c364fe0-bd24-11e9-a841-3728becc33ed.svg"},{"name":"Ultra-Premium Card","image":null},{"name":"Visa Infinite","image":"b45a9e873cc0f4f7fee4e378cbf6c82a.png"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for point values

Add to compare

Chase Sapphire Reserve®

Bankrate score

5.0

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

Bankrate review

Bankrate score

5.0

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

Bankrate review

Recommended credit score: 740 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

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

60,000 bonus points

$1,200 value

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

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.

1x - 10x

Annual fee

$550

Regular APR

22.49% - 29.49% Variable

Why you’ll like this card: Points are worth 50 percent more when you redeem via Chase Travel — the best value you can get on a general travel card without transferring points.

- 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.
Pros

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.

Cons

The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.

You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC

practical benefits<\/a> 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:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//venture-x-benefits-guide///">Capital One Venture X Benefits Guide<\/a> Alternatives:<\/strong> If a higher annual fee is no issue, consider The Platinum Card\u00ae from American Express. It\u2019s 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 <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-sapphire-reserve///">Chase Sapphire Reserve\u00ae<\/a> may be better if your luxury travel experience calls for racking up more rewards.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That\u2019s 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."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s likely your most cost-effective path to top-tier perks like airport lounge access, and annual travel credits."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Capital One","image":null},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for practical perks

Add to compare

Capital One Venture X Rewards Credit Card

Bankrate score

5.0

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

Bankrate review

Bankrate score

5.0

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

Bankrate review

Recommended credit score: 740 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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

75,000 miles

$1,275 value

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

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

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s likely your most cost-effective path to top-tier perks like airport lounge access, and annual travel credits.

- 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
- 2 Miles 2 Miles per dollar on every purchase, every day
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.
Pros

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.

Cons

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

Why I love the Chase Freedom Unlimited<\/a> Alternatives:<\/strong> If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-freedom///">Chase Freedom Flex\u00ae<\/a>.<\/div>","pros_and_cons_header":"What you should know","pros":["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."],"cons":["The welcome offer isn\u2019t as competitive as other cards\u2019 offers.","Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack."},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for pairing

Add to compare

Chase Freedom Unlimited®

Bankrate score

4.8

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

Bankrate review

Bankrate score

4.8

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

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

Up to $300 cash back

Rewards rate

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% cash back on all other purchases.

1.5% - 5%

Annual fee

$0

Regular APR

20.49% - 29.24% Variable

Why you’ll like this card: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.

- 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% cash back 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®.
Pros

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.

Cons

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.
- Member FDIC

Best for hotel bookings

Add to compare

Wells Fargo Autograph Journey℠ Card

Bankrate score

3.9

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

Bankrate review

Bankrate score

3.9

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Wells Fargo's secure site

See Rates & Fees

Intro offer

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

60,000 bonus points

$600 value

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

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.

1X - 5X

Annual fee

$95

Regular APR

21.24%, 26.24%, or 29.99% Variable APR

Why you’ll like this card: It boasts a nice mix of travel perks and a top rewards rate on hotel bookings, without no need to book through an issuer portal.

- 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).
Pros

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.

Cons

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 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, 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.

Hilton Honors benefits<\/a> like Silver status, it\u2019s also a great fit if you\u2019re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//why-i-love-hilton-honors-amex///">Why expert Holly Johnson loves the Hilton Honors American Express Card<\/a> Alternatives:<\/strong> The American Express\u00ae 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 <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//hilton-honors-american-express-ascend-card///">Hilton Honors American Express Surpass\u00ae Card<\/a> may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.<\/div>","pros_and_cons_header":"What you should know","pros":["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\u2019s biggest spending categories, making it a terrific standalone option for earning Hilton points."],"cons":["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\u2019 rewards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s remarkably well-rounded thanks to its everyday reward categories, which make it a lucrative card even if you only travel occasionally."},"program":{"id":4,"name":"Hilton Honors","active_rate":{"id":5,"label":"2023","active":1,"unit_value":"0.00600"}},"tags":[{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best no-annual-fee hotel card

Add to compare

Hilton Honors American Express Card

Bankrate score

4.3

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

Bankrate review

Bankrate score

4.3

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

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

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

Earn 70,000 points

$420 value

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

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.

3X - 7X

Annual fee

$0

APR

20.99%-29.99% Variable

Why you’ll like this card: It’s remarkably well-rounded thanks to its everyday reward categories, which make it a lucrative card even if you only travel occasionally.

Best travel credit cards of July 2024

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Table of contents

Why choose Bankrate

Bankrate's Best Travel Credit Cards of July 2024

Table of contents

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

The Platinum Card® from American Express

Capital One VentureOne Rewards Credit Card

American Express® Gold Card

Citi Strata Premier℠ Card

Bank of America® Travel Rewards credit card

Chase Sapphire Reserve®

Capital One Venture X Rewards Credit Card

Chase Freedom Unlimited®

Wells Fargo Autograph Journey℠ Card

Hilton Honors American Express Card