Best travel credit cards

Best Overall Travel Credit Card

Chase Sapphire Preferred® Card

Travel Credit Cards

4.9 / 5

Flexible mid-tier travel card with a moderate annual fee, strong bonus categories across dining and travel, and elevated redemption value when booking through the issuer’s travel portal.

Annual Fee

$95

Intro Offer

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Reward Rate

1X - 5X Points

• Up to 5X points on Chase Travel purchases
• Points worth up to 1.5x–1.75x via Chase Travel Points Boost
• Up to $120 Global Entry/TSA PreCheck/NEXUS credit every four years
• Up to $100 anniversary hotel credit through Chase Travel

High-fee premium card aimed at frequent travelers, pairing elevated earn rates with a large annual travel credit, lounge access, and broad insurance protections.

Annual Fee

$795

Intro Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening

Reward Rate

1X - 8X Points

• $300 annual travel credit
• Priority Pass Select plus Chase Sapphire Lounges
• Up to $300 dining credits at Exclusive Tables restaurants
• 8x on Chase Travel including The Edit

United-focused co-branded card with bag and boarding perks, lounge day passes, and boosted miles on United spend for travelers loyal to that airline.

Annual Fee

$150 (waived first year)

Intro Offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open (plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open)

Reward Rate

1X - 9X Miles

• Free first checked bag for cardholder and companion
• 2 United Club one-time passes per year
• Up to 60,000-mile welcome path including authorized user
• Annual fee waived the first year

Hyatt co-branded card that pairs hotel earn rates with anniversary free nights, elite night credits, and complimentary Discoverist status.

Annual Fee

$95

Intro Offer

Earn up to 75,000 Bonus Points: earn 45,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening, plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

Reward Rate

1X - 9X Points

• Complimentary World of Hyatt Discoverist status
• 1 free Category 1–4 night each anniversary year
• Up to 9 total points per $1 at Hyatt
• Extra free night after $15,000 calendar-year spend

No-annual-fee rewards card with flat 3X categories that include travel, plus a modest welcome bonus and cell phone protection.

Annual Fee

$0

Intro Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that’s a $200 cash redemption value)

Reward Rate

1X - 3X Points

• $0 annual fee
• Unlimited 3X on travel, dining, gas, transit, streaming, and phone plans
• 20,000-point bonus worth $200 cash equivalent
• Up to $600 cell phone protection with $25 deductible

Straightforward miles card that earns a flat rate on everyday purchases with simple travel redemptions and a Global Entry/TSA credit.

Annual Fee

$95

Intro Offer

Earn 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

Reward Rate

2X - 5X Miles

• Flat 2 miles per dollar on every purchase
• 5X on hotels, vacation rentals, and rental cars via Capital One Travel
• Up to $120 Global Entry or TSA PreCheck credit
• 75,000-mile bonus equal to $750 in travel

Premium Capital One travel card combining elevated portal earn rates, an annual travel credit, anniversary miles, and broad lounge access including Capital One Lounges.

Annual Fee

$395

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

Reward Rate

2X - 10X Miles

• $300 annual Capital One Travel credit
• 10,000 anniversary bonus miles each year
• Access to Capital One Lounges and Priority Pass
• Up to $120 Global Entry or TSA PreCheck credit

Mid-fee thank-you points card with strong everyday 3X categories plus portal bonuses and an annual hotel saving when booking through Citi Travel.

Annual Fee

$95

Intro Offer

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

Reward Rate

1X - 10X Points

• 3X on air travel, restaurants, supermarkets, gas, and EV charging
• 10X on hotels, car rentals, and attractions via CitiTravel.com
• $100 annual hotel benefit on qualifying CitiTravel stays
• No foreign transaction fees

Ultra-premium charge card dense with travel and lifestyle credits, extensive lounge access, and elite status benefits alongside high earn on flights and Amex Travel hotels.

Annual Fee

$895

Intro Offer

As high as 175,000 Membership Rewards points after spending $12,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Reward Rate

1X - 5X points

• Annual fee $895 with extensive statement credits
• Global Lounge Collection access including Centurion Lounges
• Up to $600 hotel credit on Fine Hotels + Resorts or Hotel Collection
• As high as 175,000-point welcome offer after $12,000 spend

Newer premium Citi travel card with very high portal earn rates, weekend dining multipliers, an annual hotel benefit, and dual lounge access options.

Annual Fee

$595

Intro Offer

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening

Reward Rate

1.5X - 12X Points

• Up to $300 annual hotel benefit via cititravel.com
• 12X on hotels, car rentals, and attractions booked on cititravel.com
• CitiNights 6X dining windows Friday–Saturday
• Priority Pass Select plus Admirals Club passes