CREDIT CARD

Best travel credit cards of 2024

Journey bank cards make it potential so that you can earn free and discounted journey together with your on a regular basis spending. What’s extra, a few of the greatest journey bank cards additionally provide worthwhile perks that elevate your journey expertise.

On the similar time, every card has its personal set of rewards charges, intro bonuses, annual charges and different phrases, so take your time choosing one which aligns nicely together with your journey and spending habits. The Fortune Recommends™ group evaluated dozens of journey bank cards that will help you get began in your analysis.

See our full methodology right here.


One of the best journey bank cards


One of the best journey bank cards in February 2024

Word: Charges, charges, and account necessities are topic to vary.

Finest premium journey card: Capital One Enterprise X Card

The Enterprise X packs plenty of journey rewards right into a card that prices tons of of {dollars} lower than its opponents.

Capital One Enterprise X Rewards Card

Intro bonus

75,000 bonus miles after spending $4,000 on purchases throughout the first 3 months from account opening

Annual Charge $395
Buy APR 19.99%–29.99% variable
International Transaction Charge None

Why we prefer it: The Capital One Enterprise X Rewards Credit score Card provides wealthy rewards and journey perks, and in contrast to many different premium journey bank cards, the Enterprise X doesn’t make you leap by way of many hoops to earn again the price of its steep annual payment. Along with a Capital One Journey credit score and bonus miles annually, you’ll additionally get complimentary entry to a lot of airport lounge networks with greater than 1,300 places around the globe.

The cardboard additionally provides final flexibility with regards to redeeming your rewards for journey. You may e-book with miles by way of Capital One Journey, or if you would like extra choices, you should utilize your card to pay for travel-related bills and request a press release credit score. In the event you’re feeling formidable, you possibly can even switch your rewards to varied frequent flyer and lodge rewards packages and probably get extra worth out of your miles.

Finest flat-rate rewards journey card: Capital One Enterprise Rewards Credit score Card

The Enterprise Card places the facility into your fingers by incomes miles that you could both use towards your journey purchases or switch to journey companions.

Capital One Enterprise Rewards Credit score Card

Intro Bonus

Earn 75,000 miles after spending $4,000 on purchases inside 3 months from account opening

Annual payment $95
Common APR 19.99%–29.99% variable

 

Journey rewards can get sophisticated, which is why the Capital One Enterprise Rewards Credit score Card looks like a breath of recent air. The cardboard provides a excessive, flat rewards charge in your on a regular basis spending, so that you don’t have to preserve observe of various bonus rewards classes. It additionally provides additional miles on choose journey booked by way of the Capital One Journey platform.

You may redeem your miles by reserving journey by way of Capital One Journey or by utilizing your card to pay for journey by yourself and requesting a press release credit score. Alternatively, you possibly can switch your miles to airline and lodge rewards program companions for extra dynamic redemptions. The cardboard additionally comes with complimentary Hertz 5 Star standing, which helps you to skip the rental counter and get entry to a wider choice of autos. Whenever you use it to pay the applying payment for World Entry or TSA PreCheck, Capital One will reimburse you.

Finest mid-level journey card: Chase Sapphire Most popular® Card

The Chase Sapphire Most popular provides each strong earnings on journey and a helpful suite of journey protections. Plus, Chase’s dozen-plus switch companions provide flexibility in journey redemptions.

Chase Sapphire Most popular

Intro bonus

60,000 bonus factors after spending $4,000 on purchases within the first 3 months from account opening

Annual payment $95
Common APR 21.49%–28.49% variable

 

Why we prefer it: In the event you’re in search of a strategy to maximize your journey rewards with out paying a steep annual payment, look no additional than the Chase Sapphire Most popular® Card. The cardboard provides a formidable welcome bonus and several other alternatives to earn bonus factors in your on a regular basis spending. Annual perks embody a $50 credit score towards lodge stays booked by way of Chase Final Rewards, a ten% factors bonus in your spending all year long and advantages with companions like Lyft, DoorDash, Instacart, and Peloton.

The cardboard provides versatile redemption choices, together with money again, however you’ll get 25% extra worth in case you use your factors to e-book journey by way of Chase. Alternatively, you possibly can switch your rewards to one of many card issuer’s airline or lodge rewards program companions and probably squeeze extra worth out of your factors.

Finest journey card for lounge entry: The Platinum Card® from American Categorical

The Platinum Card® from American Categorical

Intro bonus

Earn 80,000 Membership Rewards® Factors after spending $8,000 on purchases on the Card in your first 6 months of card membership

Annual Charge $695
Buy APR See Pay Over Time APR
International Transaction Charge None

 

Why we like this card

The Platinum Card® from American Categorical prices an annual payment that some will discover laborious to abdomen. However in case you’re a frequent flyer, it could nicely develop into your favourite journey companion. The cardboard provides entry to extra airport lounge networks than every other bank card. At bigger airports, you could even have your decide amongst a number of lounge choices.

The cardboard additionally comes filled with greater than $1,500 in annual journey and way of life credit, elite standing with choose lodge and automobile rental rewards packages and plenty of different perks that contact nearly each side of your journey expertise. That stated, most of the credit are doled out in increments and are for particular distributors, making them tougher to redeem.

Finest journey card for airline loyalists: UnitedSM Explorer Card

The United Explorer card is sensible if you’re one of many over 140 million passengers that flew United final 12 months.

UnitedSM Explorer Card

Intro bonus

60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening

Annual payment $0 introductory annual payment for the primary 12 months (then $95)
Common APR 21.99%–28.99% variable APR

 

Why we prefer it: In the event you like the concept of having fun with rewards and perks with an airline relatively than common journey rewards and advantages, you possibly can’t go fallacious with the United Explorer Card. The cardboard provides a large welcome bonus and some completely different bonus rewards classes, and with a powerful home and worldwide presence, you’ll have loads of choices with regards to redeeming your miles for award flights.

You’ll get some normal airline card advantages, equivalent to a free checked bag for you and a companion, precedence boarding, and a reduction on choose inflight purchases. However you’ll additionally get some perks that almost all mid-tier airline playing cards don’t provide, together with expanded entry to Saver award tickets, premier improve eligibility on award tickets, two one-time passes to the United Membership lounge annually, and an utility payment credit score towards World Entry or TSA PreCheck.

Finest journey card for lodge loyalists: IHG One Rewards Premier Card

The IHG One Rewards Card provides a free night time upon card renewal together with a slew of different advantages, making it nicely well worth the modest annual payment

IHG One Rewards Premier Credit score Card

Intro bonus

165,000 bonus factors after spending $3,000 on purchases within the first 3 months from account opening

Annual payment $99
Common APR 21.49%–28.49% variable

 

Why we prefer it: If you wish to focus your efforts on incomes free lodge stays, the IHG One Rewards Premier Credit score Card provides a formidable array of advantages. The cardboard makes it simple to earn factors rapidly, although it additionally requires plenty of factors to get free stays with IHG.

The place it actually shines, although, is in its perks, which provide worth that far outweighs the cardboard’s modest annual payment. You’ll get a free night time reward annually price as much as 40,000 factors, plus a $100 assertion credit score and 10,000 bonus factors in case you spend $20,000 in a calendar 12 months. Whenever you keep at IHG inns, you’ll take pleasure in Platinum Elite standing, which incorporates perks just like the fourth night time free on award bookings, reward night time reductions, complimentary upgrades, and a welcome amenity. You’ll additionally get an utility payment credit score towards World Entry, TSA PreCheck, or NEXUS.

Finest $0 annual payment journey card: Bilt Mastercard

The Bilt Mastercard not solely has no annual payment, it has a sturdy set of journey switch companions. Even higher, it enables you to earn rewards for paying lease.

Bilt Mastercard Card

Intro bonus

 

None

 

Annual payment $0
Common APR 21.49%, 24.49%, or 29.49% variable

 

Why we prefer it: Whereas it technically isn’t billed as a journey bank card, the Bilt Mastercard®—the one bank card that provides rewards on lease funds—provides journey advantages which can be laborious to disregard. Most significantly, the cardboard permits you to switch your factors to a number of airline and lodge loyalty packages, a uncommon function for a journey card with no annual payment. You’ll additionally pay no international transaction charges and get just a few journey protections, together with journey cancellation and interruption reimbursement, journey delay safety and auto rental collision injury waiver.

Finest 0% intro APR journey card: Capital One VentureOne Rewards Credit score Card

In case your trip plans stretch farther than your price range, the VentureOne has an prolonged 0% APR interval on purchases so you possibly can benefit from the solar with out getting burned with curiosity.

Capital One VentureOne Rewards Credit score Card

Intro Bonus

Earn 20,000 miles after spending $500 on purchases inside 3 months from account opening

0% stability switch time period 15 months
Stability switch payment 3%
Annual payment $0
Common APR 19.99%–29.99% variable

 

Most journey bank cards don’t provide introductory 0% APR promotions, but when that function is a high precedence and also you don’t desire a cash-back card, the Capital One VentureOne Rewards Credit score Card could also be price a glance.

The cardboard provides an introductory 0% APR promotion on each purchases and stability transfers, supplying you with loads of time to repay a big chunk or all of a big buy or high-interest debt from one other card.

The cardboard’s rewards charge isn’t very thrilling, however it does provide versatile journey redemption choices, together with entry to switch companions.

Finest journey card for incomes on journey: U.S. Financial institution Altitude Join

If money again is your choice, the U.S. Financial institution Altitude Join has a sturdy rewards charge on journey purchases plus a choice of perks uncommon for a sub-$100 annual payment card.

U.S. Financial institution Altitude Join

Intro bonus

Earn 50,000 bonus factors after spending $2,000 within the first 120 days price $500 in the direction of journey and extra.

Annual payment $0 first 12 months, then $95
Common APR 21.24% to 29.24%

 

Apparently sufficient, many journey bank cards don’t provide nice rewards on journey spending until you’re reserving by way of the cardboard issuer’s journey portal. In order for you a card that provides best-in-class rewards on your whole journey spending, the U.S. Financial institution Altitude® Join Visa Signature® Card is your greatest wager.

The cardboard additionally provides nice rewards on different on a regular basis spending classes, together with 4 free visits to Precedence Cross lounges annually, an utility payment credit score towards World Entry or TSA PreCheck, and an annual bonus if you use your card to pay for an eligible streaming service.

Finest journey card for honest credit score: Credit score One Wander

The Credit score One Wander card flies below the radar however is price a search for its sturdy earnings on journey, eating and gasoline along with its extra lenient credit score rating necessities.

Credit score One Wander

Intro bonus
Annual payment $95
Common APR 29.74%

 

Why we prefer it: You usually want good or wonderful credit score to qualify for the most effective journey bank cards, however in case you’re not fairly there but, the Credit score One Financial institution Wander® Card must be in your radar. The cardboard provides nice rewards on choose journey purchases and different on a regular basis spending.

Factors will be redeemed in a wide range of methods, however to get a constant redemption charge, assertion credit are the best choice.

Finest journey card for credit score constructing: Capital One Quicksilver Secured Card

You aren’t out of choices if that you must construct your credit score rating earlier than getting a typical journey card. The Capital One Quicksilver Secured Card is a rewarding possibility when you get on observe.

Capital One Quicksilver Secured

Who is that this card good for?

“The Capital One Quicksilver Secured card is sweet for individuals who are rebuilding from poor or honest credit score and desire a card that earns rewards with no international transaction payment.

Annual payment $0
APR 30.74% Variable
Safety deposit $200–$1,000 to $3,000 (relying in your creditworthiness)

 

Why we prefer it: In the event you’re trying to construct or rebuild, you’ll be hard-pressed to get accredited for a real journey bank card. Nevertheless, the Capital One Quicksilver Secured Money Rewards Credit score Card could be a stable various till you’ve the possibility to determine a very good credit score rating.

The cardboard doesn’t cost international transaction charges, making it a good selection for worldwide journey, and also you’ll earn a stable rewards charge on each buy you make. Whereas that you must make a safety deposit equal to your required credit score restrict if you get began, you don’t have to attend to shut your account to get your a reimbursement. With accountable use, you can begin incomes unsecured credit score line will increase after six months, and you may also qualify for an improve to an unsecured Quicksilver card down the street, at which level you’ll get a deposit refund.

Our methodology

The Fortune RecommendsTM group analyzed greater than 50 journey bank cards throughout varied issuers to give you the highest picks.

Listed here are the important thing parts we ranked every card by:

  • Annual payment: Some card issuers require cardholders to pay an annual payment for playing cards with rewards and additional options or advantages. For many of our rankings, we rated playing cards with decrease or zero-dollar annual charges greater.  
  • Rewards: Journey playing cards usually present rewards within the type of factors or miles. For some rankings, we rated playing cards with higher rewards charges greater on our record.
  • Insurance coverage and protections: Whenever you use your card to make purchases, you could be eligible for various kinds of protections on these purchases. Some playing cards provide insurance coverage on travel-related bills, like journey cancellation insurance coverage, baggage delay insurance coverage, journey delay reimbursement, and extra. Some playing cards additionally present non-travel-related reimbursements like mobile phone safety. For some rankings, we rated playing cards greater based mostly on the variety of protections they supplied.
  • Welcome bonus: Whenever you join a brand new bank card, you could be eligible for a one-time welcome bonus within the type of factors or miles. You’ll have to spend a certain quantity inside just a few months of card opening to earn the bonus. We ranked playing cards with greater bonuses and decrease spending necessities greater on our record.
  • Perks: Journey bank cards might provide a wide range of perks—like assertion credit for TSA PreCheck, airport lounge entry, a free checked bag, and extra. We rated playing cards with extra perks greater for a few of our rankings.
  • International transaction charges: Some playing cards cost a flat charge on purchases if you use your card overseas. We rated playing cards with no international transaction charges greater.

How do journey bank cards work?

In contrast to cash-back rewards, which are inclined to work the identical whatever the card issuer, journey rewards can get sophisticated rapidly. In the end, your redemption choices and the worth of your factors and miles will range relying on the rewards program.

Versatile journey rewards

Versatile journey rewards bank cards provide factors or miles by way of the cardboard issuer’s proprietary rewards program. Some examples embody Chase Final Rewards, American Categorical Membership Rewards, Citi ThankYou Rewards, and Capital One Miles.

With versatile journey rewards, you’ll usually get a number of redemption choices, and your rewards are price a set quantity — normally between 0.5 cents and 1.5 cents apiece — relying on the way you redeem them. Journey redemptions usually get extra worth, however that may range by program.

Many of those packages additionally help you switch your factors to airline and lodge loyalty packages, supplying you with entry to extra dynamic redemptions. In the event you’re savvy sufficient, you can get extra worth with a switch accomplice than in case you had been to redeem by way of the cardboard issuer’s rewards program.

Airline rewards

Airline miles, or factors in some instances, are designed primarily that will help you earn award flights together with your favourite airline, equivalent to United, Delta, or Southwest. However not like common factors or miles, airline rewards usually don’t have a set worth.

In some instances, the variety of factors or miles required for a flight could also be linked to the money worth of the ticket, however they might be unrelated. Consequently, the worth of your rewards will range based mostly in your flight dates, itinerary, cabin selection, and different components.

In some instances, you could possibly redeem your airline rewards in different methods, however you usually gained’t get as a lot worth that approach.

Resort rewards

Resort factors help you e-book free lodge stays with a single lodge chain, equivalent to IHG, Hilton, or Marriott. Like airline rewards, lodge factors have dynamic worth, so your redemption charge will range based mostly in your vacation spot, the property, your keep dates, and different variables.

Resort loyalty packages can also help you redeem your rewards in different methods, however it’s usually greatest to stay to free nights.

Do you have to decide a journey bank card?

In the event you often journey otherwise you’re in search of alternatives to journey extra sooner or later, a journey bank card could make it simpler to earn free or discounted flights, lodge stays, rental automobiles, and extra.

What’s extra, a few of the high journey bank cards additionally provide perks that may prevent more cash or offer you a greater general expertise on the airport, in flight, or all through your journey.

That stated, most journey bank cards don’t provide as a lot redemption flexibility as cash-back bank cards. In the event you’re undecided you need to go all in on journey rewards, a cash-back bank card could also be a better option.

Additionally, a lot of the high journey bank cards cost an annual payment. Whereas a lot of them make it simple to offset that price with rewards and perks, the payment continues to be an out-of-pocket price. In the event you’re on a decent price range otherwise you’re usually fee-averse, consider carefully about whether or not you possibly can afford that yearly price and be sure you can get sufficient worth from a card to make its annual payment worthwhile.

How to decide on one of the best journey bank card

With so many various choices accessible, there’s no single journey bank card that’s greatest suited to all vacationers. To find out which one is greatest for you, you’ll need to take into consideration your journey habits, spending profile, and common preferences.

Journey habits

Customers who journey often might profit extra from a premium journey card that provides a broad vary of perks, whereas extra informal vacationers could also be higher off with a mid-tier or no-annual-fee journey card.

In the event you’re loyal to a particular airline or lodge chain, it might make sense to get an airline or lodge bank card, however in case you don’t need to be tied all the way down to a single model, a common journey card may be the fitting transfer.

You’ll additionally need to take into consideration the way you journey and which journey card advantages would provide the greatest expertise. For instance, if your property airport has a number of airport lounges, it might probably make sense to get a card that provides lounge entry.

Spending profile

Most journey bank cards provide tiered rewards, which means you’ll earn bonus rewards on sure spending classes. In the event you spend so much in sure areas of your price range, attempt to discover a card that may reward you extra for these purchases.

Nevertheless, in case you don’t spend so much in any single class otherwise you don’t need to earn a low rewards charge on most of your spending, take into account a card that provides a excessive, flat rewards charge on every part.

Normal preferences

Take into account different options you’re in search of in a journey bank card. Choices might embody switch companions, simple advantages, redemption choices, 0% APR promotions, and extra.

As you analysis and examine journey bank cards, familiarize your self with all of their advantages to find out which one looks like one of the best match based mostly in your wants and preferences.

Often requested questions

Which card is best for worldwide journey?

Usually talking, you’ll desire a bank card that doesn’t cost a international transaction payment. With playing cards that do cost this payment, you’ll usually pay an additional 3% on your whole purchases made overseas.

Moreover, Visa and Mastercard bank cards are typically higher for worldwide journey as a result of they’re extra extensively accepted than American Categorical and Uncover bank cards. You probably have an Amex or Uncover card, take into account bringing a Visa or Mastercard as a backup.

Is Visa or Mastercard higher for journey?

Mastercard boasts acceptance in additional than 210 international locations, whereas Visa says it operates in additional than 200 international locations. So, in case you’re touring to a rustic that’s off the overwhelmed path, so to talk, Mastercard could also be a better option. However for many main worldwide locations, you’re probably nice with both Visa or Mastercard.

What’s the greatest bank card to build up journey miles?

Miles have traditionally been related to airline frequent flyer packages, however some card issuers, together with Capital One and Uncover, use the miles nomenclature for his or her rewards foreign money.

With that stated, one of the best miles bank card for you is dependent upon your journey habits and preferences. If you wish to earn miles with a specific airline, try that airline’s co-branded bank cards to see which one provides one of the best match. In order for you extra common rewards, take into account a card that provides miles or factors with extra versatile redemption choices.


Please word that card particulars are correct as of the publish date, however are topic to vary at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.

Phrases apply to American Categorical advantages and provides. Enrollment could also be required for choose American Categorical advantages and provides. Go to americanexpress.com to be taught extra.

Eligibility and Profit stage varies by Card. Phrases, Circumstances, and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button