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Swiss Bankers

The prepaid credit card for travel.

The prepaid credit card for daily life.

The prepaid credit card for discerning customers.

The prepaid credit card for companies.

To the overview

Overview of your card account

Important information:

On April 10, 2024, the customer portal and web access to the card account will be discontinued. Please download the Swiss Bankers App to continue to have unrestricted access to all services.

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Change your PIN What to do in case of loss or theft Top up your card Swiss Bankers App

Travel - the free prepaid credit card for travel

The Swiss Bankers Travel card is the secure prepaid card for use while travelling. You receive the card immediately, can add money to your balance as required and can pay worldwide – without an annual fee and with complete control in terms of spending limits.

The Travel Prepaid Card in CHF, EUR and USD is also available at over 200 outlets .

How you benefit from Travel, the new Travel Cash card.

With no annual fee..

Travel with ease and risk-free with the prepaid Travel card with no annual fee and with a free replacement card if the card should ever go missing.

Pay worldwide.

The card is accepted in more than 70 million shops and hotels throughout the world as well as for online payment. You can withdraw money at cash machines in Switzerland and abroad. If you have any questions, our free client service will be happy to assist you.  

Available immediately.

The Travel card is available quickly and without a credit check in our online shop , at various outlets and at nearly all banks as well as branches of SBB – to all persons aged 16 and over and, with parental authorisation, also to persons aged 12 to 15. You choose whether the card is denominated in CHF, EUR or USD.

Easy to top up.

You can add money to your card in amounts up to CHF/EUR/USD 10’000 at outlets , using the Swiss Bankers app , on our client portal or using e-banking.

Up to 10% cashback at Booking.com.

Save up to 10% on Booking.com on over 28 million accommodation listings worldwide - plus discounted accommodation and the Genius loyalty program.

Swiss Bankers app.

The Swiss Bankers app includes practical features such as balance and spending overviews, adding money to the card balance, immediate card blocking in the event of loss, immediate digital card replacement in the app and more. Benefit from mobile payments . You pay conveniently with your smartphone or your smartwatch, for example via Apple Pay or Samsung Pay.

Country Information.

Useful information about your travel destination.

Safe and secure worldwide – always.

In the event of loss or theft, the card and its credit balance will be replaced by courier service worldwide at no charge. Cards stored digitally in the Swiss Bankers app can be reactivated immediately.

More about security

Fees and card information.

Annual fee: CHF 45

Monthly fee: CHF 2.90

1.5%,  for cards obtained from Swiss Bankers 1.5% 1 , for cards obtained via outlets Fast charging by credit card/debit card (approx. 15min): Additional costs of 1.5% (on charging amount with charging fee). Charging with PostFinance card: Additional costs of CHF 6.  Tip: When you top up your card via online banking, your credit is generally available in one working day. There are no further costs in addition to the top-up fee 1 .

None,  for cards obtained from Swiss Bankers None 1 , for cards obtained via outlets Fast charge by credit card/debit card (approx. 15min): 1.5%. Charge with PostFinance card: CHF 6.  Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day 1 .

None Fast charge by credit card/debit card (approx. 15min): 1.5%. Charge with PostFinance card: CHF 6.  Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day.

1.5 % 1 Fast charging by credit card/debit card (approx. 15min): Additional costs of 1.5% (on charging amount with charging fee). Charging with PostFinance card: Additional costs of CHF 6.  Tip: When you top up your card via online banking, your credit is generally available in one working day. There are no further costs in addition to the top-up fee.

Subject to conditions 1

None 1 Fast charge by credit card/debit card (approx. 15min): 1.5%. Charge with PostFinance card: CHF 6.  Tip: Charge your card via e-banking (2-3 working days), so there are no additional costs.

Ways to top up your card

- Bank transfer/e-banking - Credit card/debit card/PostFinance card - Outlets Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal .

Charge per payment

CHF 1 / EUR 1 / USD 1

Processing fee foreign country

ATM withdrawal fee in Switzerland

CHF 5 / EUR 5 / USD 5

Subject to conditions

ATM withdrawal fee abroad

CHF 7.50 / EUR 7.50 / USD 7.50

Replacement card

Free replacement worldwide in case of loss or theft, usually within three working days, including the remaining card balance. Immediate replacement of cards stored digitally.

Replacement in case of loss or theft, including the remaining card balance, for a fee of CHF 20.00 in Switzerland and CHF 50.00 abroad. Immediate replacement of cards stored digitally.

Immediate replacement in case of loss or theft, including the remaining card balance, for a fee of CHF 20.00.

Replacement in case of loss or theft including remaining card value for a fee of CHF 20.00 in Germany and CHF 50.00 outside Germany. Immediate replacement of cards stored digitally.

Card top-up

Min. CHF 100 / EUR 100 / USD 100 Max. CHF 10 000 / EUR 10 000 / USD 10 000

Min. CHF 100 Max. CHF 10 000

Min. CHF 100 / EUR 100 / USD 100 Max. CHF 20 000 / EUR 20 000 / USD 20 000

Card currencies

CHF / EUR / USD

Use options

- ATM - Payment terminals / machines - Contactless payment - Internet / online payments

- Payment terminals / machines - Contactless payment - Internet / online payments

Mobile payment

- Apple Pay - Samsung Pay - Google Pay - Garmin Pay, Fitbit Pay, SwatchPAY!

Availability

In CHF:  To the online shop In EUR / USD:  To the outlets

To the online shop, Banks, SBB  To the outlets  

Via  Swiss Bankers app

Selected private banks

To the outlets

Maximum number of cards per person

One card directly from Swiss Bankers Five cards via our outlets

Swiss Bankers App Features

– Top up your card – Block your card – Geo-blocking – Spending overview – Many other features

– Block your card – Geo-blocking – Spending overview – Many other features

Order Travel

Order Life Digital

1  Top-up fee may vary depending on the distribution partner   

1  Top-up fee may vary depending on the distribution partner 

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Up to 10% cashback on Booking.com – plus discounted accommodation!

Save up to an additional 10% on 28 million accommodation listings worldwide with the Travel Card

Also applies to existing discounts such as: the Genius loyalty program

The Travel Card is free and has no annual fee

Book your next accommodation now with the Travel Card via the Swiss Bankers booking site

Important: The cashback* is only available via the Swiss Bankers booking site and provided you pay for the accommodation with the Travel Card. You also need an account with Booking.com.

Go to the Swiss Bankers booking page**

** Please note that Booking.com is not subject to banking secrecy and customer data can be transferred outside Switzerland. The Booking.com General Terms and Conditions apply on the Booking.com website or app. Swiss Bankers Prepaid Services AG assumes no liability when using Booking.com's offers.

Frequently asked questions.

Answers to general questions about PIN codes, security, mobile payment and services can be found under Frequently Asked Questions – general .

Where is the prepaid card Travel available?

You can get Travel in the online shop or from a number of banks and at SBB Change sales points. Please visit outlets for a current list of distributors. You can also order a card via the e-banking interface of many major banks.

How many cards can I have?

1 card via the Swiss Bankers online shop . Maximum 5 cards via outlets , but this number varies depending on the distribution partner.

In what currencies is Travel available?

The Travel card is available in euros, US dollars or Swiss francs.

Everything is even easier to do with the Swiss Bankers app.

The practical features of the Swiss Bankers app make using the Travel card even more convenient, with clear presentation of all options and relevant information.

Information about the Travel Prepaid Credit Card

Looking for a free prepaid credit card for travel?

You want to travel with a free credit card and stay in great hotels, from simple bed and breakfasts to five-star luxury hotels, at the best conditions? Then we have the solution for you: The Travel Card from Swiss Bankers offers everything at once. The Travel Card is free and at the same time you save up to 10% on Booking.com at over 28 million accommodation listing worldwide - plus discounted accommodation! Whether for travel in Switzerland, go on city trips in Europe or visit the USA, the Travel card is the perfect travel companion and is available in CHF, EUR and USD.

How can I save money with Travel?

Cashback even on discounted offers!

Benefit from up to 10% cashback* on Booking.com thanks to the Travel Card - even on existing discounts such as the Genius loyalty programme!

Click here for more information

The Travel Card is your exclusive door opener for this offer. Take the opportunity and book your accommodation today.

It's that simple

• Top up your Travel Card with credit
• Book accommodation on the Swiss Bankers booking page
• Pay for your accommodation with your Travel Card
• Receive cashback* after your stay in the Booking.com wallet

Important: The cashback* is only available via the Swiss Bankers booking page and if you pay for your accommodation with your Travel Card. You also need an account with Booking.com.

Why is the Travel prepaid credit card ideal for travelers

• Up to 50% discount in more than 600 hotels – from hostels to five-star hotels
• Free replacement card worldwide (usually within three working days)
• No annual fee
• Available in CHF, EUR and USD without exchange fees
• Over 70 million points of acceptance worldwide
• Full cost control via the Swiss Bankers app
• Mobile payment with Apple Pay, Google Pay, Samsung Pay and much more
• No credit check
• Available to anyone 16 years of age and older (12 years of age and older with the consent of a legal guardian)

Who is the free prepaid credit card suitable for?

If you’re looking for a secure payment card with no annual fee that keeps your spending under control, the Travel prepaid credit card is just the ticket. It is ideal for those who do not want to pay fixed fees and want to use the card worldwide when travelling.

In case of loss, the card is replaced worldwide free of charge, including credit, in one to two days by courier. Digitally, a replacement card can even be made available immediately on your smartphone.

Charges are only incurred when loading, topping up and inserting the card.  If you occasionally need a prepaid credit card, you are well served with Travel. With the free Swiss Bankers app, you benefit from additional advantages: You receive a notification in real time for every payment, keeping an eye on all your expenses and your budget under control. You can pay using your smartphone via mobile payment, change your PIN at any time and ensure maximum protection for your card with security settings, such as blocking countries.

What are the advantages of a card without an annual fee

If you are not sure when and how often you want to use the card, Travel is exactly the right card for you. With the Travel prepaid credit card, you have no fixed costs. You only incur fees when you use it. Even if you don’t know exactly if and when you will need a prepaid credit card, it makes sense to apply for the Travel free of charge online. If you need the card one day, you only have to load it and it will be ready for use immediately.

Are there any transaction fees?

The Travel prepaid credit card is ideal for those who use their card only occasionally. The credit can be topped up as needed. A top-up fee of 1.5% of the added amount is usually charged for this (deviations are possible at some points of sale). If the card is no longer used, no further costs are incurred. Swiss Bankers only charges a fee of CHF 1 per transaction (or EUR 1 or USD 1 depending on the card currency) when you use the card.

Which currencies is the prepaid credit card available in?

You can order the card in CHF, EUR and USD. The loading fee is the same for all currencies.

Who can load and top up the card?

A deposit by bank transfer can be made without restriction either by you or by another person. Loading and topping up via credit card, debit card or PostFinance is only possible with a card issued in your name. Alternatively, you can have another Swiss Bankers cardholder send you money via Send – our innovative money transfer service – at any time.

How can I load and top up the card?

You can load and top up the Travel quickly and conveniently at the branches of the sales partner from whom you ordered or purchased the card. Many Swiss Bankers partner banks offer instant loading and top-up in e-banking. In addition, you can load and top up the Travel Card via the Swiss Bankers app or the customer portal by bank transfer or by credit card, debit card or PostFinance card. When loading or topping up by credit card or via PostFinance, the balance is available on the card within a few minutes. A deposit by bank transfer can usually be credited to your card on the same business day.

How much credit can I add to the card?

The minimum load or top-up amount is EUR/USD/CHF 100, the maximum load or top-up amount or card balance is EUR/USD/CHF 10,000.

How long does it take to load or top up the card ?

You can load and top up the card easily and quickly. By bank transfer, the new balance is usually available on the same business day. If you load or top up by credit card or PostFinance card, the amount will be credited to your card within a few minutes.

How are the high security standards guaranteed?

• You can use the Swiss Bankers app to block or unblock the card for specific countries.
• The PIN code can be changed at any time in the Swiss Bankers app.
• In case of loss, simply and quickly block the card via Swiss Bankers app. We will send you a new Travel card with your existing balance worldwide free of charge by courier within a few days.
• Monitoring of suspicious transactions around the clock by our security experts.
• If fraud is suspected, Swiss Bankers notifies you immediately and blocks the card.

* Cashback is only available if it is displayed when selecting the accommodation. It will only be credited to the Booking.com wallet after a stay and payment for the accommodation. Cashback is between 5% and 10%. The offer can be changed or cancelled by Booking.com at any time within 5 days. Payment in cash and legal recourse are excluded.

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Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases

Wells fargo autograph journey℠ card.

Wells Fargo’s new travel rewards card earns up to 5X points on travel-related purchases.

Expert Take : The Wells Fargo Autograph Journey℠ Visa® Card is an excellent choice for travelers who want to maximize rewards on travel purchases booked directly with airlines, hotels and other providers. While it has an annual fee, the $50 annual flight credit covers more than half of the cost. It also includes complimentary travel protections and cell phone insurance to cover unexpected situations.

• Earns up to 5X points on travel-related purchases
• $50 annual flight credit with a minimum $50 airline purchase
• Flexible rewards redemptions include transfers to airline and hotel partners
• Missing bonus categories on everyday purchases, like gas and groceries
• Does not include an intro APR offer on purchases or balance transfers
• Current list of transfer partners is smaller than competitors

Vault’s Viewpoint on Wells Fargo’s Autograph Journey Card

As competitors like Chase, Amex and Capital One gained legions of loyal followers, Wells Fargo missed out on the growth because of its meager credit card lineup. With the introduction of the Autograph Journey credit card and transferable points, Wells Fargo is taking a huge step forward.

The Wells Fargo Autograph Journey Card is designed with travelers in mind by earning 5X points on hotels, 4X points on airlines and 3X points on dining and all other travel purchases. With the introduction of transferable points, cardholders can redeem for cash back, travel, gift cards and more or transfer points to a growing list of Wells Fargo airline and hotel partners. Plus, it includes a $50 annual statement credit toward airline purchases. Travelers are also covered with an array of travel protections and cell phone insurance in case something goes wrong.

About the Wells Fargo Autograph Journey Travel Credit Card

The Wells Fargo Autograph Journey credit card builds upon the success of the original Wells Fargo Autograph℠ Card , as it also earns flexible points but with a focus on travel and dining purchases.

With the Autograph Journey, you’ll earn up to 5X points on travel-related purchases and an unlimited 3X points on dining worldwide. The card includes an annual flight credit that’s good on any airline, without having to choose an airline ahead of time. When you book trips with the Autograph Journey Card, you’ll receive valuable travel benefits to protect your trip, like rental car protection, trip cancellation/interruption protection, lost baggage reimbursement and more. Your cell phone is also covered up to $1,000, up to two times per 12-month period, when you pay the bill with your Autograph Journey Card (subject to a $25 deductible).

As a new cardholder, you can earn 60,000 bonus points by spending at least $4,000 on purchases within the first three months. These points are worth $600 toward travel and have numerous redemption options, including booking flights and hotels, getting cash back or buying gift cards. Wells Fargo also introduced transfer partners in April 2024, so you can transfer points to airlines and hotels to book award reservations worth potentially even more.

Benefits of the Wells Fargo Autograph Journey Card

In this Wells Fargo Autograph Journey Card review, you’ll learn about the card’s numerous benefits and how they can improve your travel experience.

Earning Power

People who love to travel can maximize their rewards with the Autograph Journey Card. This card’s bonus categories target the areas where travelers spend the most—flights, hotels, dining and other travel purchases.

Flexible Redemptions and Transfer Partners

The points earned from the Autograph Journey credit card have multiple redemption options. You can redeem them as a credit to your Wells Fargo credit card statement, as a deposit to your Wells Fargo bank account or to reduce your Wells Fargo mortgage balance. Points can be used to pay for online shopping or to buy gift cards. You can also book travel through Wells Fargo.

As of April 2024, Wells Fargo introduced hotel and airline transfer partners. The initial partners include:

• Choice Privileges®
• Air France-KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Aer Lingus AerClub
• Iberia Plus

Wells Fargo plans to expand this lineup to offer even more transfer opportunities to cardholders.

$50 Annual Airline Credit

Each year, you’ll receive a statement credit of $50 when you make an airline purchase of $50 or more. Unlike some airline credits, these can be used to buy airfare as well—and you don’t have to choose an airline ahead of time. Qualifying purchases include airfare, upgrades, checked baggage, change fees and more. So, whether you’re booking a flight or paying for a fee related to a flight you’re taking, this annual airline credit has your back.

Travel Protections

The best-laid travel plans can easily go astray when your flight is canceled, your bag is lost or something happens to your rental car. Your trip is covered when you use the Wells Fargo Autograph Journey Visa to book your reservations. Trip cancellation and interruption protection covers you up to $15,000 for lodging, flights and activities when your trip is canceled or interrupted for a covered reason.

If your checked or carry-on luggage is lost or stolen during transit, you’re covered for up to $3,000 per trip. Additionally, your rental car is protected against damage or theft with secondary rental car insurance. The card also comes with up to $1,000,000 in travel accident insurance, travel and emergency services assistance, roadside dispatch and more.

Cell phone Insurance

When you pay your cell phone bill with the Autograph Journey Card, you’re covered for up to $1,000 in cell phone insurance (up to two claims per 12-month period). This coverage protects you against damage, theft or loss, and it requires a simple $25 deductible.

Visa Signature Luxury Hotel Collection

As a Visa Signature credit card, this Wells Fargo credit card includes access to the Visa Signature Luxury Hotel Collection. Book a stay at one of the participating hotels to receive benefits similar to those who have elite status. Benefits include the best available rate guarantee, complimentary room upgrade (when available), complimentary breakfast for two, VIP guest status, late checkout upon request (when available) and a $25 food and beverage credit. Select hotels offer additional perks like a free hotel night, resort credits and more.

Autograph Card Exclusives

Eligible Wells Fargo cardholders also have access to Autograph Card Exclusives. These live, intimate events feature a limited number of tickets available exclusively to cardholders to purchase. Events occur throughout the U.S., and available artists and experiences change during the year.

Who Is the Wells Fargo Autograph Journey Card Best For?

The Autograph Journey from Wells Fargo is best for travelers who want to maximize rewards on travel purchases. This card’s bonus categories center around travel and dining, and it doesn’t require cardholders to book through the bank’s travel portal to earn maximum rewards. This card allows you to book directly with airlines, hotels and other travel providers to earn credit card rewards and perks from the loyalty programs.

While the card has a $95 annual fee, it is offset by its yearly $50 credit toward airline purchases. Simply book flights of $50 or more to automatically receive the statement credit on your next bill. The card’s complimentary travel protections and cell phone insurance also provide peace of mind for frequent travelers and people whose cell phone is an indispensable part of their daily lives.

Travelers who want to earn flexible rewards points that can transfer to airline and hotel loyalty programs will also be excited about this new Wells Fargo credit card . The Autograph Journey launches with five airline partners and one hotel partner. While this total is smaller than competing brands, Wells Fargo is working to expand its list of transfer partners, and more brands will be added throughout the year.

Who Should Consider an Alternative to the Wells Fargo Autograph Journey Card?

While the Wells Fargo Autograph Journey has much to offer, it may not be the right card for every traveler. Wells Fargo intends to add more transfer partners over time, but some consumers may not want to wait that long or roll the dice that new partners will be among their preferred brands. Consumers who want access to a greater array of transfer partners should look at alternatives from Chase , Citi, Capital One or American Express , since each of those programs has 14 or more partners to choose from.

Having access to TSA PreCheck or Global Entry while traveling is a huge timesaver. The Autograph Journey credit card does not offer reimbursement for these Trusted Traveler application fees. Some travel credit cards at the same price point, like the Capital One Venture Rewards Credit Card or the United℠ Explorer Card (whose benefit also applies to the NEXUS program), include reimbursement once every four years.

How Does the Wells Fargo Autograph Journey Card Stack Up to Its Competitors?

Before applying for the Wells Fargo Autograph Journey Card, compare it to these popular travel credit cards to decide which one is best for your wallet.

Wells Fargo Autograph Journey vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is a solid travel credit card that earns Ultimate Rewards points. With this card, you’ll earn 5X points on travel when booking through Chase Travel and 2X points on other travel purchases, such as when purchasing directly with the airline, hotel or other provider. The Autograph Journey doesn’t require you to book through its portal to earn its top rewards rates and earns 50% more points on all other travel purchases. The Sapphire Preferred also earns 3X points on dining, select streaming services and on online groceries (excluding Target, Walmart and wholesale clubs), while the Autograph Journey earns 3X points only on dining.

When you redeem Ultimate Rewards points, you’ll get 25% more value when booking travel through Chase Travel. This extra value means you’ll redeem fewer points than booking similar travel through Wells Fargo. There are also 14 Chase airline and hotel partners , which is nearly three times as many options, and it features well-known domestic brands like United, Southwest, Hyatt and Marriott.

Wells Fargo Autograph Journey vs. Capital One Venture Rewards Credit Card

With the Capital One Venture Rewards Card , you’ll earn an unlimited 2X miles on every purchase and 5X miles on hotels and car rentals booked through Capital One Travel. While it doesn’t offer the same earning power as the Autograph Journey, the Venture Card offers a solid rewards rate on every purchase, which is ideal for people who don’t want to remember which categories offer extra rewards. The card also includes up to $100 reimbursement for Global Entry or TSA PreCheck membership application fees and complimentary Hertz Five Star elite status, which the Autograph Journey cannot match.

Capital One miles can be redeemed for cash back, travel, gift cards and more. Cardholders can also get statement credits for purchases made in the previous 90 days. Further, Capital One offers more than 15 airline and hotel transfer partners, which is three times as many options as Wells Fargo. The card does not charge foreign transaction fees, and it includes auto rental collision damage waiver and extended warranty protection on eligible purchases made with your card.

Wells Fargo Autograph Journey vs. Wells Fargo Autograph℠ Card

For people who want to earn Wells Fargo credit card points but don’t want to pay an annual fee, the Wells Fargo Autograph Card is a solid choice. This card earns an unlimited 3X points on travel, gas, restaurants, transit, popular streaming services and phone plans. These bonus categories are an excellent way to maximize common spending categories, and many of these household categories aren’t available from the Autograph Journey Card.

Additionally, the no-annual-fee Autograph card includes an introductory APR offer on purchases, which the Autograph Journey doesn’t offer. If you need extra time to pay off your purchases without incurring interest charges, the Wells Fargo Autograph Card is the best option. This card includes many of the same protections as the $95 annual fee Autograph Journey, and its points also can be redeemed for cash back, gift cards and more or transferred to airline and hotel partners.

Frequently Asked Questions

What credit score do you need for a wells fargo autograph journey card.

For the best approval odds, you should have good to excellent credit when applying for the Autograph Journey Card. A good FICO credit score ranges from 670 to 739, while very good to exceptional FICO credit score start at 740 and above. If your credit score is below these levels, take steps to improve your score before applying.

How Much Are 60,000 Wells Fargo Points Worth?

At the most basic level, Wells Fargo points are worth 1 cent each toward travel, cash back, gift cards and more. This means that the 60,000 welcome bonus points from the Wells Fargo Autograph Journey Card are worth $600. With the introduction of transfer partners, you may receive even higher value when transferring points to book award flights or hotel rooms.

Does the Wells Fargo Autograph Journey Card Have Lounge Access?

No, the Autograph Journey does not include lounge access. To receive airport lounge access, typically, you’ll need to get a premium credit card for travel with an annual fee that likely ranges $395 or higher. Premium travel credit cards are best for frequent travelers who can justify paying such a high annual fee.

The post Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases first appeared on Newsweek Vault .

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Swiss Bankers Travel Card

Prepaid card

No annual fees

Without annual fee. Worldwide free card replacement including remaining credit in case of loss or theft. The Travel Card can be topped up via the Swiss Bankers App, client portal or distribution partner. The card is available in three currencies (CHF, EUR, USD) - there are no foreign currency fees in the corresponding currencies.

The Travel Card is available from numerous banks (Migros Bank, Bank Cler, cantonal, regional and Raiffeisen banks) as well as SBB. Available with parental consent from the age of 12.

Maximum load amount: CHF 10,000 (or EUR or USD).

A fee of CHF/EUR/USD 1 is charged per transaction (does not apply to cash withdrawals).

Other services: Individual card blocking, geoblocking, issuing statistics and free hotline for customer support.

Recharge by bank transfer: free of charge, via PostFinance: CHF 6, by credit card: 1.5%.

Customer satisfaction

Maximum 4 additional cards.

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14 best travel credit cards of April 2024

The best travel credit cards offer an array of premium perks and benefits . For both occasional travelers and frequent flyers, adding a travel credit card to your wallet is a great way to earn rewards and save money on every trip you take. At The Points Guy, our team has done the legwork and curated a selection of the best travel credit cards for any globe-trotter, whether you prefer to backpack through mountains or settle into a luxury villa for some relaxation. From generous travel credits to premium lounge access, we’ve chosen the cards packed with the best benefits to elevate your next travel experience.

Check out our list below and discover which travel credit card from our partners makes the best addition to your wallet for all of your adventures.

• The Platinum Card® from American Express : Best for lounge access
• Capital One Venture Rewards Credit Card : Best for earning miles
• Chase Sapphire Preferred® Card : Best for beginner travelers
• Capital One Venture X Rewards Credit Card : Best for premium travel
• American Express® Gold Card : Best for dining at restaurants
• Ink Business Preferred® Credit Card : Best for maximizing business purchases
• Alaska Airlines Visa Signature® credit card : Best for Alaska Airlines miles
• Capital One VentureOne Rewards Credit Card : Best for no annual fee
• The Business Platinum Card® from American Express : Best for business travel
• Citi Premier® Card : Best for starter travel
• Chase Sapphire Reserve® : Best for travel credits
• Wells Fargo Autograph℠ Card : Best for variety of bonus categories
• American Express® Business Gold Card : Best for flexible rewards earning
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, credit pointers with brian kelly, how to maximize travel credit cards, helpful tools, how we rate cards, what is a travel credit card, how to choose the best travel credit card, ask our experts, pros + cons of travel credit cards, frequently asked questions.

• Airport Lounge Access
• Global Entry
• No Foreign Fee
• Best Overall
• Find your CardMatch™

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
• The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $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.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: 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 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card .

• This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, worth $1,388 based on TPG valuations and not provided by the issuer.
• You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
• Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• Highest bonus-earning categories only on travel booked via Capital One Travel
• Capital One airline partners do not include any large U.S. airlines.
• 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

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
• Annual $50 Chase Travel Hotel Credit
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
• The card comes with a $95 annual fee.
• 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

Capital One Venture X Rewards Credit Card

If you can maximize the  $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees ). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations ) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full  review of the Capital One Venture X Rewards Credit Card .

• 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
• 10,000 bonus miles every account anniversary
• $395 annual fee
• $300 credit annually, only applicable for bookings made through Capital One Travel portal
• 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

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com ,  Milk Bar, and select Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold .

• 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
• 3 points per dollar on flights booked directly with the airline or with Amex Travel.
• Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening.
• Weak on travel and everyday spending bonus categories.
• Not as effective for those living outside the U.S.
• Some may have trouble using Uber/food credits.
• Few travel perks and protections.
• 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.
• See Rates & Fees

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Alaska Airlines Visa Signature® credit card

There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our  full review of the Alaska Airline credit card.

• Free checked bag for you and up to six guests on your reservation.
• Alaska discounts, including 20% back on in-flight purchases.
• No foreign transaction fees.
• $95 annual fee.
• Limited Time Online Offer—60,000 Bonus Miles!
• Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the  Capital One VentureOne Rewards Credit Card .

• No annual fee.
• Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
• Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
• Earn 1.25 miles per dollar on all purchases.
• Other credit cards can offer you higher rewards for your common purchase categories.
• Capital One airline transfer partners do not include any large U.S. airlines.
• $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
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full  review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• Difficulty meeting $15,000 minimum spend for smaller businesses.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
• 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.
• $695 Annual Fee.

Citi Premier® Card

The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. Since the card earns the same number of points at gas stations, restaurants, supermarkets, airlines and hotels, it’s a great pick for beginner travel cardholders who want a simplified point system. Read our  full review of the Citi Premier .

• For a limited time earn 10 points per $1 dollar spent on hotels, car rentals, attractions (excluding air travel) when book through Citi Travel portal through June 30, 2024
• Earns 3 points per dollar on restaurants, supermarkets, gas stations, air travel and other hotels.
• $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
• $95 annual fee
• Lacks travel protections that other travel rewards cards come with
• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve card .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access to Chase Ultimate Rewards hotel and airline travel partners.
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee.
• May not make sense for people that don't travel frequently.
• 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

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our  full review of the Wells Fargo Autograph here .

• This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
• Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full  review of the American Express Business Gold Card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our  full review of the Bank of America Travel Rewards  card.

• 1.5 points per dollar on all purchases
• No annual fee
• No foreign transaction fees
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
• No travel and purchase protections.
• 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 18.24% - 28.24% 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.

The Amex Platinum is a stellar premium travel card that can provide amazing redemptions . Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.

Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access , automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred , Hertz Gold Plus Rewards and National Car Rental Emerald Club . Enrollment is required for select benefits.

“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card  can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.

With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.

Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners , including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.

“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card  (see  rates and fees ). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.

You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations ) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.

We’ve long suggested the Chase Sapphire Preferred Card   as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points  with strong bonus categories and a reasonable annual fee.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

To add more luxury to your travel experience, consider the Chase Sapphire Reserve® . Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.

At $395 per year (see rates and fees ), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide  and able to bring up to two guests for no additional charge.

For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.

“With an annual fee that is $300 less than The Platinum Card® from American Express (see Amex Platinum rates and fees ), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees ). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations ) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen , former points and miles reporter

Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card , which has a $95 annual fee (see rates and fees ), identical sign-up bonus and similar earning and redemption options.

The Amex Gold earns 4 points per dollar on dining at restaurants, with no foreign transaction fees (see rates and fees ), meaning you’ll get an 8% return on purchases (based on TPG’s valuations ). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards .

Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.

“Groceries and dining at restaurants are two of my top spending categories, and I love that the Amex Gold rewards those purchases with 4 points per dollar. When you factor in the $10 dining credit and $10 in Uber Cash each month, the $250 annual fee is a net cost of $10.” — Senitra Horbrook , former credit cards editor

For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred® Card .

The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations  peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories.

If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card .

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited® Credit Card , which offers 1.5% cash back on all purchases and carries no annual fee.

The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.

Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.

“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith , former credit cards writer

If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred® Card might be a better option.

The no-annual-fee Capital One VentureOne Rewards Credit Card (see  rates and fees ) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees ).

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees ). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith , former credit cards writer

For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card . You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.

There are certain ways to earn bonus points for spending on the Amex Business Platinum Card, but it’s the array of perks on the card that make it a great option. Beyond airport lounge access and automatic hotel elite status, there are a number of statement credits that are specifically targeted to common business expenses.

If you travel for business frequently, this card could help you upgrade your experience in the air and on the ground while saving you money on select business-related services. And the current welcome bonus is just the icing on the cake.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that’s even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell (enrollment required), I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

For less-frequent travelers, consider the American Express®  Business Gold Card , which offers 4 points per dollar spent on your top two spending categories each month on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter).

The Citi Premier is a great all-around card that earns 3 points per dollar on multiple categories. Citi ThankYou points can be redeemed as statement credits or transferred to any of Citi’s partners.

Travel credit card users who are getting into the transferable point world but do not want to commit to a high annual fee should consider the Citi Premier card.

“Out of all of my credit cards, the Citi Premier Card is often my everyday card and a card I typically recommend to friends and family. Earning 3 points per dollar for gas, groceries and restaurants allows you to rack up points even when you're not on the road. Being able to transfer Citi ThankYou points to valuable partners like Turkish Airlines Miles&Smiles and Avianca LifeMiles is also a key reason this card stands out, all while having a modest annual fee of $95.” — Danyal Ahmed , credit cards writer

If you’re looking for a similar card but prefer Chase, the Chase Sapphire Preferred® Card could be a great alternative. The card offers multiple bonus categories, travel and shopping protection and a fair annual fee of $95.

The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit  once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.

Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal  is also a nice perk.

“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred® Card  instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.

The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.

Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.

If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.

If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Citi Premier® Card (see rates and fees ), which offers 3 points per dollar on various travel and food categories. In addition, you can transfer ThankYou Rewards points to any of Citi’s travel partners.

The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.

The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.

The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.

If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees ), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card . You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.

It’s perfect for low-budget beginner travelers  who want a card with no annual fee and a simple way to earn and redeem points.

“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith , former credit cards writer

If you’re interested in a card with transferable miles that still has no annual fee (see  rates and fees ), consider the Capital One VentureOne Rewards Credit Card .

Earn the welcome bonus

One of the best ways to maximize your travel credit cards is to earn the welcome bonus . Most travel credit cards will offer a welcome or sign-up bonus that allows cardmembers to earn points or miles that would otherwise require a very high spend. Welcome bonuses are a crucial part of a card’s value, so before you apply for your next travel card, be sure to plan for how you will meet the spending requirement. Ideally, you would align large purchases with your card opening so that you don’t need to spend frivolously to earn that lucrative welcome bonus.

Use a travel card that matches your travel style

There is a travel credit card for everyone, but not every travel card is the best fit for your wallet . Consider what type of traveler you are, whether you have any brand loyalty and what perks you are looking for from your next credit card. If you travel often and in luxury, consider premium cards like The Platinum Card® from American Express or Chase Sapphire Reserve® . These cards are loaded with tons of luxury perks like lounge access and automatic elite status . 

Alternatively, if you’re a more thrifty traveler who likes to maximize your travel earnings, consider a mid-tier travel card like the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card . These cards allow you to earn points on your travel, and while they don’t come with a long list of luxury perks, they’re much more cost effective for an everyday traveler.

And even beginners don’t have to veer away from travel cards, since many products out there offer an introduction to the travel rewards world without incurring an annual fee.

Knowing what your travel style is like will help you determine what type of travel card you need.

Use loyalty programs to stack your rewards

You don’t have to limit your earnings to just travel credit cards . Many airlines and hotel chains have loyalty programs that can be used in conjunction with your travel card to unlock added perks when doing business with a specific brand. In addition, many travel credit cards allow you to transfer points from your card to your eligible loyalty programs . This can open up nearly endless redemption options.

• Awards vs cash calculator Compare the cost in points or miles to cash.
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Travel rewards credit cards earn points, miles or cash back that are redeemable for travel expenses or are geared toward travel spending. The cards on this list are some of the best credit cards to book flights , hotels and more with their many perks and rewards . 

Travel credit cards offer rewards on different purchases that can help you book flights, hotels and more for little to no out-of-pocket expenses. Some cards also provide valuable perks and benefits that upgrade the overall travel experience — from Global Entry application fee credits to lounge access to complimentary elite status . If you have the right card (or cards) in your wallet, the sky is the limit on where your travels can take you — literally.

Are you new to travel rewards? Check out our beginner’s guide to all things points and miles . You’ll learn about top loyalty programs, how to maximize your credit card strategy to reach your travel goals and so much more.

Related: The complete history of credit cards, from antiquity to today

We have researched various types of travel credit cards to help you figure out which one is best for you.

Travel vs cash back credit cards

A travel credit card is a card that is geared toward travel spending and a cash-back credit card is a card that earns cash back on purchases made with the card.

Generally, when we are talking about travel credit cards we refer to cards that earn points and miles like the Platinum Card from American Express or the Hilton Honors Aspire card. The Platinum Amex earns transferable points which can be used with any of Amex's travel partners while the Hilton Honors Aspire card only earns Hilton points which can be redeemed at Hilton properties. These cards do not earn cash back on any purchases.

Cash back cards generally offer cash back as a flat rate or feature bonus categories that earn an elevated cash back rate. Select cash-back cards can also be a great travel card such as the Blue Cash Preferred Card from American Express which offers 3% cash back on transit including rideshare, trains, buses, and more. Even though it is a cash-back card, the Blue Cash Preferred offers an elevated return on select transportation which potentially makes it a solid travel card option.

How do travel credit cards work?

Travel credit cards work like other reward credit cards: They help you earn rewards, primarily points and miles, on your purchases. This section will primarily focus on transferable rewards credit cards, like the Chase Sapphire Reserve and The Platinum Card® from American Express, as they are what are typically considered travel credit cards.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn transferable points

Transferable points credit cards earn points or miles when you make a purchase on the cards. These points and miles can then be transferred to travel partners for rewards like flights, hotel stays and more. Different cards will have different currencies, but they are generally called either “points” or “miles” (depending on the issuer). All transferable reward credit cards, airline credit cards and hotel credit cards will have their own currency that is redeemable for travel rewards. 

Travel cards have varying rates for different purchase categories. For example, the American Express® Gold Card card earns 4 points per dollar spent on restaurants but only 3 points per dollar spent on flights booked directly with the airline or Amex Travel. While the Amex Platinum may be a better card for travel as it earns 5 points per dollar spent on flights (booked directly with airline or Amex Travel and up to $500,000 per calendar year), the Amex Gold can be a good addition for Platinum holders who spend a lot of money on dining out.

Related: How to redeem American Express Membership Rewards for maximum value

How to redeem points and miles  

Once you’ve decided on a travel credit card and earned a welcome bonus, it’s time to put those points or miles toward free travel. There are many ways to redeem your rewards with travel credit cards. Many cards feature an online booking portal through which you can use your rewards to book things like flights, hotels and car rentals. Before booking your flight, you should consider doing a  flight portal comparison to ensure you're getting the best redemption. Others allow you to transfer your points or miles to individual loyalty programs. Depending on the redemption, this could unlock even more value.

Related: Tips and tricks to get maximum value from your Capital One miles

It’s up to you to decide whether a specific trip is worth spending your rewards. You can use TPG’s monthly valuations to help you determine if the price of your flight or hotel room is worth your points and miles. Some travels are more affordable in cash, but you can always save your points to splurge on a business-class flight to Europe or an overwater bungalow at a luxury resort. 

How to use travel credit card portals  

In the world of travel credit cards, the four major players are American Express, Capital One, Chase and Citi. These issuers also have their own travel portals which can be used to earn and redeem points for travel. 

Some issuers, like Capital One and Chase , offer an incentive to book travel through the bank’s portal but it is not always worth booking through a portal. 

We do not recommend booking hotel travel through card portals as it typically does not honor elite-status benefits or elite-qualifying stay credits. 

Luckily, flights typically allow you to earn bonus points through a card issuer’s portal and with the airline. Keep in mind that this does not apply to all cards. When purchasing in cash, there generally is little variance in booking through a portal or on the airline’s website so if your travel credit card offers incentives to book through the portal , it can be a great way to earn extra points. 

Related: Ultimate guide to the Citi travel portal

Points and miles redemptions will have a fair variance, especially if there are incentives to book through the travel portals. Overall, travel portals can be a great addition to your points redemption journey if properly used. Always remember to compare the price or redemption value of booking through a portal or directly with an airline. 

Booking through a portal may make matters complicated if you ever need to change or cancel your flight. 

Related: Battle of the credit card travel portals: Which is the best for booking flights?

Types of travel credit cards

Travel credit cards are cards that are geared towards travel spending. Luckily, there are many types of travel credit cards which means there is a good option for any traveler. Typically, when talking about travel credit cards, we are referring to transfer rewards credit cards, airline credit cards and hotel credit cards. There are additional types of travel credit cards that are less popular but can still be a good option for the right traveler.

Transferable rewards credit cards earn points and miles that can be redeemed through a card’s rewards program directly or by transferring them to a travel partner . Many of our best travel credit cards fall under this category because they are the most valuable type of points you can earn. Transferable rewards give you the flexibility to redeem your rewards in a way that will be most beneficial to you. Examples of top transferable rewards cards are the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline. For example, an airline card may offer free checked bags , a certain number of elite-qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more.

Hotel cobranded cards work like airline cards. You’ll earn rewards that are redeemable for a particular hotel program, such as Hilton or Marriott. Hotel cards come with their own benefits, such as complimentary elite status or free award-night stays. In addition, hotel cards can help you stack your earnings on hotel stays with the hotel’s program.

For example, if you have a Marriott credit card , you’ll earn bonus points for every dollar spent at participating Marriott properties on top of the 10 base points you get as a member of the Bonvoy program. This can really amplify the rewards you can earn when you use your hotel card to pay for your booking.

The points and miles world can be confusing for new credit card users but it doesn’t have to be. While transferable rewards cards are arguably the best way to earn points and miles for travel, they can also be incredibly confusing. Fixed-value credit cards and cash-back credit cards are good alternatives for beginners who are looking to get into the travel credit card world.

Fixed-value cards earn points or miles that are always redeemed for the same value. For example, the Bank of America® Premium Rewards® credit card earns points worth 1 cent each. These cards are great for beginners who haven’t quite gotten the hang of maximizing transferable points or casual travelers who are looking for their first travel credit card . Fixed-value credit cards are often the best travel credit cards for beginners. 

As more hotels and airlines move to a dynamic pricing model where award pricing shifts dramatically, fixed-value rewards programs are becoming more popular.

Another great credit card option for casual travelers or credit card beginners is cash-back credit cards. You don’t have to worry about points, transfer partners or maximizing your rewards with these cards. Cash-back cards provide a percentage of cash back on your spending and provide a simple way to save on your upcoming travels. 

The Capital One Quicksilver Cash Rewards Credit Card (see rates and fees ) is a great option for beginners to travel rewards. It earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and has no annual fee.

Travel credit card benefits

Some travel cards offer automatic elite status with various programs when you sign up and can also accelerate the journey to elite airline status by converting points to air miles. If you are loyal to a particular hotel brand, status with that brand will be valuable. You’ll be entitled to room upgrades, resort credits, early check-in, late checkout and more. If you’re not loyal, it won’t. The same goes for elite status with an airline — you’ll get lounge access, upgrades, increased baggage allowance, etc. When comparing the perks of various cards like elite status, be realistic about which ones you will and won’t use.

One of the coveted perks of premium travel credit cards is complimentary airport lounge access. Many premium travel credit cards come with Priority Pass lounge access , a membership that allows access to airport lounges across the world. These lounges are a great place to relax before your flight or have a snack during a long layover. Amenities will vary between lounges but most lounges provide wifi, private seating and refreshments. Be sure to check the priority pass guest policy as many lounges allow you to bring a complimentary guest (or guests).

TSA PreCheck and Global Entry are both expedited screening programs for travelers. TSA PreCheck is reserved for expedited security screening for domestic flights and Global Entry provides expedited customs screening for international travelers when entering the United States. 

The application fee for TSA PreCheck is up to $85 and $100 for Global Entry. If you are approved for the program, the membership is valid for 5 years. Many travel credit cards will offer statement credit for the application . 

• 1 Sign-up bonus Choosing a card with a healthy sign-up bonus will help jumpstart the possibility of unlocking elite status across different areas, including airline and hotel loyalty programs.
• 2 Annual fee Premium travel credit cards typically feature higher annual fees. Double-check that the card you choose suits your spending habits and travel needs before applying.
• 3 Bonus categories It also helps to check which bonus categories a card offers to ensure that they align with your spending, whether it’s at restaurants, at grocery stores or on streaming subscriptions.

What's your favorite travel credit card — and why?

• Using credit cards responsibly can help build your credit score
• Travel credit cards can earn cash back, points or miles on every dollar you spend.
• Travel credit cards can provide purchase, theft and fraud protection.
• Travel credit cards provide perks like travel insurance, complimentary hotel stays and more.
• Credit cards can encourage overspending.
• Carrying a balance and using your card irresponsibly can damage your credit score
• The cost of borrowing on credit cards is higher than traditional loans
• Having too many card applications can negatively affect your credit score
• Travel credit cards may be too complicated (or expensive) for those who aren’t frequent travelers.

Generally speaking, you need at least a very good credit score in order to get many popular travel credit cards. According to FICO, the scoring model used by most lenders, this is a score of at least 740. However, there’s no hard-and-fast rule, as each individual credit card issuer looks at a variety of factors in addition to your credit score when deciding whether to approve or decline your application.

Thankfully, there are a number of ways to check your credit score for free , so you can get an idea of where you stand before wasting an application (and a hard inquiry on your credit report) for a card for which you’re unlikely to qualify.

Points and miles are simply two different ways to describe the same thing: the rewards you earn on a credit card. As an example, many popular Capital One credit cards earn miles, whereas cards that participate in Chase Ultimate Rewards accrue points. There’s no appreciable difference between the two words.

This gets a little more complicated when you begin discussing cash-back credit cards. Some of these show earnings with a dollar amount, while others show cash-back rewards in points. However, here too there’s no significant difference. It’s simply how the card issuer chooses to describe the rewards you’re earning.

It depends entirely on your typical travel habits. Many popular travel credit cards feature rewards, benefits and redemption options that only come into play when you’re actually on the road. This includes perks like airport lounge access or statement credits for certain travel purchases. Ultimately, you should look at how much value you expect to get out of a given travel card in one year. Then, compare that to the card’s annual fee to make sure you’re getting at least that much value.

It depends. Generally speaking, you should aim to use your rewards from travel credit cards for travel-related purchases – like flights or hotel rooms. However, everyone has a different version of what “value” looks like here. Some travelers are perfectly content redeeming 25,000 miles for a $250 economy flight. Others would rather save up and use 100,000 miles for a $5,000 business-class ticket. The important thing is to avoid redemptions like gift cards or merchandise, since those typically offer poor value for your points and miles.

Ultimately, it’s up to you to determine whether you want to keep cash in your pocket by using rewards for a particular purchase instead.

Many of the luxury travel cards on this list offer hundreds of dollars in annual travel statement credits. However, not all annual travel statements are created equal. While some cards feature easy redemptions, other cards feature redemptions that come with more restrictions. 

Out of the various cards that offer annual travel credits, the Chase Sapphire Reserve has the easiest redemption process for travel credits . The Chase Sapphire Reserve's travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more. Additionally, the travel does not have to be booked through Chase’s travel portal, and the statement credit will automatically post when you make an eligible purchase. 

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15 Best Travel Credit Cards of May 2024

ALSO CONSIDER: Best credit cards of 2024 || Best rewards credit cards || Best airline credit cards || Best hotel credit cards

A travel rewards credit card brings your next trip a little closer every time you use it. Each purchase earns points or miles that you can redeem for travel expenses. If you're loyal to a specific airline or hotel chain, consider getting one of that company's branded credit cards. Otherwise, check out the general-purpose travel cards on this page, which give you flexible rewards that you can use without the restrictions and blackout dates of branded cards.

Some of our selections for the best travel credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best Travel Credit Cards of May 2024

Chase Sapphire Preferred® Card : Best for Flexibility + point transfers + big sign-up bonus

Capital One Venture Rewards Credit Card : Best for Flat-rate travel rewards

Capital One Venture X Rewards Credit Card : Best for Travel portal benefits

Chase Freedom Unlimited® : Best for Cash back for travel bookings

Chase Freedom Flex℠ : Best for Cash back for travel bookings

American Express® Gold Card : Best for Big rewards on everyday spending

Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee

The Platinum Card® from American Express : Best for Luxury travel perks

Ink Business Preferred® Credit Card : Best for Business travelers — bonus rewards + big sign-up offer

Citi Premier® Card : Best for Triple points on multiple categories

Bank of America® Travel Rewards credit card : Best for Flat-rate rewards + no annual fee, and for balance transfers

Chase Sapphire Reserve® : Best for Bonus travel rewards + high-end perks

World of Hyatt Credit Card : Best for Hotel credit card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments + no annual fee

United℠ Explorer Card : Best for Airline card

Best Travel Credit Cards From Our Partners

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Flexibility + point transfers + big sign-up bonus

Flat-rate travel rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers — bonus rewards + big sign-up offer, triple points on multiple categories, flat-rate rewards + no annual fee, and for balance transfers, bonus travel rewards + high-end perks, hotel credit card, travel rewards for rent payments + no annual fee, airline card, full list of editorial picks: best travel credit cards.

Before applying, confirm details on the issuer’s website.

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.

Bank of America® Travel Rewards credit card

Our pick for: Flat-rate rewards + no annual fee, and for balance transfers

One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus travel rewards + high-end perks

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Chase Sapphire Preferred® Card

Our pick for: Flexibility + point transfers + big sign-up bonus

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Citi Premier® Card

Our pick for: Triple points in multiple categories

The Citi Premier® Card earns bonus points on airfare, hotels, supermarkets, dining and gas stations. There's a solid sign-up bonus as well.  Read our review.

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

Our pick for: Road trips

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee:  $0 intro for the first year, then $95 .  Read our review .

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee ( see rates and fees ). Read our review.

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.

Chase Freedom Flex℠

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and an intro APR offer, too. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Big rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Bilt World Elite Mastercard® Credit Card

Our pick for: Rewards on rent payments

The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. Read our review.

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card . It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

United℠ Explorer Card

Our pick for: United Airlines + best domestic airline card

The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.

» Not a United frequent flyer? See our best airline cards for other options

World of Hyatt Credit Card

Our pick for: Hotel credit card

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

» Not a Hyatt customer? See our best hotel cards for other options.

Ink Business Preferred® Credit Card

Our pick for: Small business — bonus categories + big sign-up offer

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

Are you in Canada?

See NerdWallet's best travel cards for Canada.

OTHER RESOURCES

How travel rewards work.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip. According to a NerdWallet study , 68% of American adults say they have a credit card that earns travel rewards.

With a travel rewards credit card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Some top travel credit cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while the Marriott Bonvoy Boundless® Credit Card grants bonus points when you use the card at Marriott hotels, grocery stores, restaurants or gas stations.

Not all points and miles earned on travel rewards credit cards are the same:

General-purpose travel credit cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. With their flexible rewards, general-purpose options are usually the best travel credit cards for those who don't stick to a single airline or hotel chain.

Airline- and hotel-specific cards — such as the United℠ Explorer Card and the Hilton Honors American Express Card — give points and miles that can be used only with the brand on the card. (Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.) These so-called co-branded cards are usually the best travel credit cards for those who always fly one particular airline or stay with one hotel group.

How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.5 cents per point, and you can spend them like cash. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:

Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions. See our valuations page for business class valuations and details about our methodology.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value out of your miles, that’s even better.

HOW TO CHOOSE A TRAVEL CREDIT CARD

There are scores of travel rewards cards to choose from. The best travel credit card for you has as much to do with you as with the card. How often you travel, how much flexibility you want, how much you value airline or hotel perks — these are all things to take into account when deciding on a travel card. Our article on how to choose a travel credit card recommends that you prioritize:

Rewards you will actually use (points and miles are only as good as your ability to redeem them for travel).

A high earning rate (how much value you get in rewards for every dollar spent on the card).

A sign-up bonus (a windfall of points for meeting a spending requirement in your first few months).

Even with these goals in mind, there are all kinds of considerations that will influence your decision on a travel rewards credit card.

Travel cards are for travelers

Travel cards vs. cash-back cards.

The very first question to ask yourself when choosing a travel credit card is: Should I get a travel card at all? Travel credit cards are best for frequent travelers, who are more likely to get enough value from rewards and perks to make up for the annual fees that the best travel credit cards charge. (Some travel cards charge no annual fee, but they tend to offer lesser rewards than full-fee cards.) A NerdWallet study found that those who travel only occasionally — say, once a year — will probably get greater overall rewards from cash-back credit cards , most of which charge no annual fee, than from a travel card.

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

Travel credit cards fall into two basic categories: co-branded cards and general travel cards.

Co-branded cards carry the name of an airline or hotel group, such as the United℠ Explorer Card or the Marriott Bonvoy Boundless® Credit Card . The rewards you earn are redeemable only with that particular brand, which can limit your flexibility, sometimes sharply. For example, if your credit card's co-branded airline partner doesn't have any award seats available on the flight you want on the day you want, you're out of luck. On the other hand, co-branded cards commonly offer airline- or hotel-specific perks that general travel cards can't match.

General travel cards aren't tied to a specific airline or hotel, so they offer much greater flexibility. Well-known general travel cards include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card . Rewards on general travel cards come as points (sometimes called "miles" but they're really points) that you can redeem for any travel expense. You're not locked into using a single airline or hotel, but you also won't enjoy the perks of a co-branded card.

Evaluating general travel credit cards

What you get with a general travel card.

The credit cards featured at the top of this page are general travel cards. They're issued by a bank (such as Chase or Capital One), carry only that bank's name, and aren't tied to any single airline or hotel group. With these cards, you earn points on every purchase — usually 1 to 2 points per dollar spent, sometimes with additional points in certain categories.

Issuers of general travel cards typically entice new applicants with big sign-up bonuses (also known as "welcome offers") — tens of thousands of miles that you can earn by spending a certain amount of money on the card in your first few months.

» MORE: NerdWallet's best credit card sign-up offers

What do you do with those points? Depending on the card, you may have several ways to redeem them:

Booking travel. With this option, your points pay for travel booked through the issuer's website, using a utility similar to Orbitz or Expedia. For example, if points were worth 1 cent apiece when redeemed this way, you could book a $400 flight on the issuer's portal and pay for it with 40,000 points

Statement credit. This lets you essentially erase travel purchases by using your points for credit on your statement. You make travel arrangements however you want (directly with an airline or hotel, through a travel agency, etc.) and charge it to your card. Once the charge shows up on your account, you apply the necessary points and eliminate the cost.

Transferring to partners. The card issuer may allow you to transfer your points to loyalty programs for airlines or hotel chains, turning your general card into something like a co-branded card (although you don't get the perks of a co-brand).

Cash back, gift cards or merchandise. If you don't plan to travel, you can burn off your rewards with these options, although you'll often get a lower value per point.

Airline and hotel cards sharply limit your choice, but they make up for it with perks that only they can offer, like free checked bags or room upgrades. General travel cards, on the other hand, offer maximum flexibility but can't provide the same kinds of perks, because the banks that issue them don't operate the airlines or hotels. Still, there are some noteworthy perks on general travel cards, including:

Travel credit. This is automatic reimbursement for travel-related spending. Some top travel credit cards offer hundreds of dollars a year in travel credit.

Trusted traveler reimbursement. More and more travel credit cards are covering the application fee for TSA Precheck and Global Entry, programs that allow you to move through airport security and customs more quickly.

Airport lounge access. Hundreds of lounges worldwide operate separately from airlines under such networks as Priority Pass and Airspace, and several general travel cards offer access to these lounges.

Points programs

Every major card issuer has at least one travel card with a points program. American Express calls its program Membership Rewards, while Chase has Ultimate Rewards® and Citi pays in ThankYou points. Wells Fargo has Wells Fargo Rewards, and U.S. Bank has FlexPerks. Bank of America® travel cards offer points without a fancy name. Travel cards from Capital One, Barclays and Discover all call their points "miles."

These programs differ in how much their points are worth and how you can use them. Some offer the full range of redemption options, including transfers to loyalty programs. Others let you use them only to book travel or get statement credit.

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

Airline credit cards earn "miles" with each purchase. You typically get 1 mile per dollar spent, with a higher rate (2 or more miles per dollar) on purchases with the airline itself. (Some airline cards have also begun offering extra miles for purchases in additional categories, such as restaurants or car rental agencies.) These miles go into the same frequent-flyer account as the ones you earn by flying the airline, and you can redeem them for free flights with the airline or its alliance partners.

Co-branded airline cards typically offer sign-up bonuses (or welcome offers). But what really sets them apart are the perks they give you. With some cards, for example, the checked-bag benefit alone can make up for the annual fee after a single roundtrip by a couple. Common perks of airline cards include:

Free checked bags. This commonly applies to the first checked bag for you and at least one companion on your reservation. Some cards extend this perk to more people, and higher-end cards (with higher annual fees) may even let you check two bags apiece for free.

Priority boarding. Holders of co-branded airline credit cards often get to board the plane early — after the airline's elite-status frequent flyers but before the general population. This gives you time to settle in and gives you a leg up on claiming that coveted overhead bin space.

In-flight discounts or freebies. You might get, say, 25% off the cost of food and beverages during the flight, or free Wi-Fi.

Airport lounge access. High-end cards often include a membership to the airline's airport lounges, where you can get away from the frenzy in the terminal and enjoy a complimentary snack. Some less-expensive airline cards give you only limited or discounted lounge access; others give you none at all.

Companion fares. This perk lets you bring someone with you for a lower cost when you buy a ticket at full price.

A boost toward elite status. Miles earned with a credit card, as opposed to those earned from actually flying on the airline, usually do not count toward earning elite status in an airline's frequent-flyer program. However, carrying an airline's high-end card might automatically qualify you for a higher tier within the program.

The biggest U.S. airlines — American, United and Delta — offer an array of credit cards. Each airline has a no-annual-fee card that earns miles on purchases but provides little in the way of perks (no free bags or priority boarding). Each has a high-end card with an annual fee in the neighborhood of $450 that offers lounge access and sumptuous perks. And each has a "middle-class" card with a fee of around $100 and solid ongoing perks. Southwest offers three credit cards with varying fees; smaller carriers may just have a single card.

» MORE: NerdWallet's best airline credit cards

Choosing an airline

Which airline card you get depends in large part on what airline you fly, and that's heavily influenced by where you live. Alaska Airlines, for example, has an outstanding credit card, but the airline's routes are concentrated primarily on the West Coast. So it's not a great option for those who live in, say, Buffalo, New York, or Montgomery, Alabama.

If your local airport is dominated by a single airline, then you're probably flying that carrier most (or all) of the time by default. Delta, for example, is the 800-pound gorilla at Minneapolis-St. Paul and Salt Lake City. United has the bulk of the traffic at Newark and Washington Dulles. American calls the shots at Charlotte and Dallas-Fort Worth. That airline's credit card may be your only realistic option. If you're in a large or midsize market with frequent service from multiple airlines, you have more choice.

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

Hotel credit cards earn points with each purchase. As with airline cards, you typically get more points per dollar for purchases from the co-brand partner, and some cards also give bonus points in additional categories. (Hotel cards tend to give you a greater number of points overall than airline cards, but each individual point is generally worth less than a typical airline mile.) Similar to the airline model, the points you earn with the card go into the same loyalty account as the points you earn from actually staying at a hotel. You redeem your points for free stays.

Hotel cards usually offer a sign-up bonus, but like airline cards, they really make their bones with the ongoing perks. Common perks on hotel cards include:

Free nights. Several cards offer this perk, which can make up for the card's annual fee. You may get a free night automatically every year, or you may unlock it by spending a certain amount within a year. In the latter case, it comes on top of the points you earn for your spending.

Upgrades and freebies. Cardholders may qualify for automatic room upgrades when available, or free or discounted amenities such as meals or spa packages.

Early check-in/late check-out. No one likes having to cool their heels in the hotel lobby waiting for 3 o'clock to check in. And no one likes have to vacate their room by 11 a.m. when their flight doesn't leave till evening.

Accelerated elite status. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder.

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

If you decide to go the hotel-card route, you'll need to decide which hotel group gets your business. Hotels aren't as market-concentrated as airlines, so if your travels take you mostly to metropolitan areas, you'll have a decent amount of choice. Keep in mind that even though there are dozens of nationally recognizable hotel brands, ranging from budget inns to luxury resorts, many of them are just units in a larger hotel company, and that company's card can unlock benefits across the group.

Marriott, for example, includes not only its namesake properties but nearly 30 other brands, including Courtyard, Fairfield, Renaissance, Residence Inn, Ritz-Carlton, Sheraton and Westin. The Hilton family includes DoubleTree, Embassy Suites, Hampton Inn and Waldorf-Astoria. InterContinental includes Holiday Inn, Candlewood, Staybridge and Crowne Plaza. Wyndham and Choice have more than 15 mid-tier and budget-oriented brands between them.

HOW TO COMPARE TRAVEL CREDIT CARDS

No travel rewards credit card is going to have everything you want. You're going to be disappointed if you expect to find a high rewards rate, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based on the following features and choose the best travel credit card for your needs and preferences.

Most of the best travel cards charge an annual fee. Fees in the range of $90 to $100 are standard for travel cards. Premium cards with extensive perks will have fees of $450 or more. Weigh the value of the rewards and perks you'll get to make sure they'll make up for the fee.

Can you find good cards without an annual fee? Absolutely! There are no-fee options on our list of the best travel credit cards, and we've rounded up more here . Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.

Rewards rate

Rewards can be thought of in terms of "earn rate" and "burn rate".

The earn rate is how many points or miles you receive per dollar spent. Some general travel cards offer flat-rate rewards, meaning you get the same rate on all purchases, all the time — 2 miles per dollar, for example, or 1.5 points per dollar. Others, including most co-branded cards, offer a base rate of maybe 1 point per dollar and then pay a higher rate in certain categories, such as airline tickets, hotel stays, general travel expenses or restaurant meals.

The burn rate is the value you get for those points or miles when you redeem them. The industry average is about 1 cent per point or mile. Some cards, particularly hotel cards, have lower value per point on the "burn" side but give you more points per dollar on the earning side.

When comparing rewards rates, don't just look at the numbers. Look at the categories to which those numbers apply, and find a card that matches your spending patterns. Getting 5 points per dollar seems great — but if those 5X points come only on purchases at, say, office supply stores, and you don't spend money on office supplies, then you're getting lousy value.

Sign-up bonus

Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to earn the bonus. While cash-back credit cards often require just $500 to $1,000 in spending over three months to unlock a bonus, travel cards commonly have thresholds of $3,000 to $5,000.

Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a $500 bonus doesn't make economic sense — the interest you'll pay could easily wipe out the value of the bonus.

Finally, keep in mind that the biggest bonuses will come on cards with annual fees.

Foreign transaction fees

A good travel card will not charge a foreign transaction fee. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never leave the U.S., then this isn't much of a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them.

Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.

International acceptance

Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)

Travel protections

Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.

"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $450 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks.

Assuming you take advantage of them, the perks often make up for the annual fee on a card quite easily. This is especially true with co-branded cards. Free checked bags can pay for an airline card several times over, and a free night is usually worth more than the fee on a hotel card. When comparing the perks of various cards, be realistic about which ones you will and won't use. Sure, that card may entitle you to a free spa package the next time you're at a five-star hotel, but how often do you stay at five-star hotels?

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

Pros: why it's worth getting a travel card.

The sign-up bonus gives you a big head-start on travel. Bonuses on the best travel credit cards typically run $500 or more — enough for a roundtrip ticket in many instances.

Perks make travel less expensive and more relaxing. You won't have to worry about cramming a week's worth of clothes into a carry-on if your travel credit card gives you a free checked bag (or automatically reimburses you for the bag fee). Hate the crush of travelers in the terminal? Escape to the airport lounge. Renting a car? Use a travel card that provides primary rental car insurance.

Rewards get you closer to your next trip with every purchase. Spending money on the mundane activities of daily life has a silver lining when you know that every $1,000 you spend will knock $10 or $20 off the cost of that future beach vacation or trip home to see Mom and Dad.

No foreign transaction fee can mean big savings. Take just any old credit card with you on vacation outside the U.S., and $1,000 worth of purchases can cost you $30 off the top due to the foreign transaction surcharge. Good travel cards don't charge this fee.

"Double dipping" gives you more points on travel purchases. Buy a plane ticket or book a hotel room, and you'll earn loyalty points or miles regardless of how you pay. Use the right credit card, though, and you'll earn even more points and miles on top of those.

Strategic redemption can multiply your value. With cash-back credit cards, 1 cent is worth 1 cent, and that's just how it goes. The points and miles on many travel credit cards have variable value based on how you redeem them — booking travel with them vs. transferring them to a partner, booking domestic vs. international flights and economy vs. business class, staying at budget hotels vs. high-end resorts, and so on.

Cons: Why a travel card might not be for you

The best cards charge annual fees. In many cases, the value you get from a credit card more than makes up for the annual fee. But some people are dead set against paying a fee under any circumstances. If that's you, your options in travel cards will be sharply limited, and you won't get the perks that provide a big portion of the value on many cards.

Sign-up bonus spending requirements can be steep. A bonus worth $500, $600 or $700 is attractive, but only if you can afford to earn it with spending you were going to do anyway. If you have to amass thousands of dollars in debt and then pay interest on it, it's not worth it.

Travel cards aren't ideal for infrequent travelers. In the first year with a travel card, you're probably going to come out ahead: You can earn a big sign-up bonus, and several popular cards waive the first year's annual fee, too. In subsequent years, though, you'll break even on that fee only if you use the card enough to make up for it (with the rewards you earn and redeem and the perks you use). Infrequent travelers are more likely to get more total rewards from a cash-back card with no annual fee.

Cash back is simpler and more flexible. Some travel cards allow you to redeem your rewards only for travel. Others give you poor value unless you redeem for travel. Still others have complicated redemption options, making it hard to get the most out of your rewards. With cash-back credit cards, you can use your rewards on anything, you know exactly how much your rewards are worth, and redemption is usually simple.

Rewards cards tend to charge higher interest rates. If you regularly carry a balance from month to month, a travel credit card — or any rewards credit card — probably isn't your best choice. The interest you pay is eating up the value of your rewards. You're better off with a low-interest card that reduces the cost of carrying debt.

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

Plan your credit card application around a big purchase to earn the sign-up bonus.

Seize every opportunity to pick up the tab, especially if your travel credit card pays bonus rewards on dining; your friends can pay you back while you collect rewards.

Redeem rewards for travel instead of gift cards, merchandise or (in most cases) cash back to get the best value.

Join the loyalty program associated with a co-branded card — a frequent-flyer or frequent-guest program.

Shop for essentials in your card’s online bonus mall or through its exclusive offers, if available, to get extra rewards.

OTHER CARDS TO CONSIDER

It’s worth considering whether a travel credit card is even right for you in the first place. A NerdWallet study found that cash-back credit cards often earn more money — even for many travelers.

If you carry a balance from month to month, the higher interest rates typically charged by rewards cards can cancel out any rewards earned. If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.

A good travel credit card shouldn't charge foreign transaction fees, but there are good non-travel cards that also don't charge them. See our best cards with no foreign transaction fee .

If you value transparency and flexibility in your rewards, you can't go wrong with a cash-back card — and you can still use the rewards for travel, if you want.

Finally, if you're still not sure what's right for you, take a look at our best rewards credit cards for options beyond travel and cash back.

NerdWallet's Sam Kemmis contributed to this article.

To view rates and fees of the American Express® Gold Card , see this page . To view rates and fees of The Platinum Card® from American Express , see this page .

Last updated on April 24 , 2024

Methodology

NerdWallet's Credit Cards team selects the best travel rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits and airport lounge access. Learn how NerdWallet rates credit cards.

Frequently asked questions

Travel credit cards earn points (sometimes called miles) each time you buy something. The standard earning rate is 1 to 2 points per dollar spent, and many cards give you extra points for certain purchases, particularly travel expenses. The value of a point depends on the card that earned it and how you redeem it, but a good rule of thumb is to assume each point is worth an average of about 1 cent.

Your points accumulate in a rewards account, where you can use them to pay for travel. Most cards let you book travel directly using a portal similar to those at online travel agencies or on airline and hotel websites, but instead of paying cash, you pay with your points. Depending on the card, you may also have the option of booking travel any way you want, paying for it with the card and then cashing in your points for a credit against those expenses.

Points and miles are just different names for the same thing: the currency used in a travel rewards program. Some travel credit cards call them points, some call them miles.

Airline frequent flyer programs have long used the term “miles” to refer to the rewards you earn for flying. That’s because at one time, you really did earn rewards according to how many miles you flew — the longer the flight, the more miles you earned. Nowadays, most domestic airlines give out “miles” based on how much you spend, not how far you fly, so they’re really just points. (There are a few exceptions, though, notably Alaska Airlines.)

Especially when it comes to redeeming your rewards, there’s no difference between points and miles. The number of points or miles you need is based mostly on the cost of what you’re redeeming them for. It takes more than 500 miles (value about: $5) to get a free 500-mile flight!

The value of a point or mile depends on the card you earned it with and how you redeem it. A common rule of thumb is to assume that each point or mile is worth an average of 1 cent, although you can certainly get a much higher (or lower) redemption value. See our travel loyalty roundup page for NerdWallet’s current valuations for airline miles and hotel points.

Travel credit cards fall into two main categories: co-branded and general-purpose.

• Co-branded travel cards carry the name of an airline or hotel chain. The rewards you earn on the card can typically be redeemed only with that brand (or maybe its partners). Co-branded cards limit your flexibility, but because they are issued in partnership with an airline or hotel, they can give you special perks, like free checked bags or room upgrades.

• General-purpose travel cards are issued by a credit card company and are not directly tied to any particular airline or hotel. They earn points in the issuer's own program, such as American Express Membership Rewards, Chase Ultimate Rewards® or Citi ThankYou. These points are a lot more flexible, as you can use them to pay for a range of travel expenses, including flights on any airline or stays at any hotel. However, they don’t offer the airline- or hotel-specific perks of co-branded cards.

Travel cards — like rewards cards in general — typically require good to excellent credit for approval. Good credit is generally defined as a credit score of 690 or better. However, credit scores alone do not guarantee approval. Every issuer has its own criteria for evaluating applications.

About the author

Sara Rathner

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Visa Gold credit card

Find out what visa gold can offer you, purchase insurance.

• Two years’ warranty  on top of the manufacturer’s guarantee
• Protection from theft  or  accidental damage  affecting your purchases within 90 days
• Delivery insurance  for goods purchased online

Travel insurance & assistance

• Reimbursement  of costs in the event of  cancellation  or  interruption  of a trip
• Assistance  during a trip  abroad
• Coverage  of  excess for rental cars  

Travel accident insurance

• Travel accident insurance following  an accident on public transport 

Insurance missed events

• Reimbursement of ticket costs  for a missed event 

Ask for your Visa Gold card

Are you already a raiffeisen customer, order your sustainable visa credit card via your r-net online banking account, not a raiffeisen customer yet, fill out the online application form to open an account and order your sustainable visa credit card.

In the event of theft or loss of your credit/debit card or disclosure of your PIN code,  please call Worldline Financial Services immediately on: +352 49 10 10 (24-hour service)

Where to find us

Raiffeisen has branches all over Luxembourg so you will be able to find a branch or ATM wherever you are.

Interesting links

Any questions.

We are here to answer your questions and can put you in contact with the right people depending on your requirements.

Raiffeisen Luxembourg

Banque Raiffeisen Société Coopérative 4, rue Léon Laval L-3372 Leudelange

Customer service +352 2450 1

Helpdesk +352 2450 2000

Online Branch +352 2450 1000

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In the event of theft or loss of your credit/debit card or disclosure of your PIN code, please call Worldline Financial Services immediately on: +352 49 10 10 (24-hour service)

Internet banking

Cardul de cumpărături World Mastercard®

Alege cardul de cumpărături World Mastercard® până pe 10 mai 2024, apoi plătești cu el de minimum 500 de lei și câștigi BONUS 100 lei !

Află detaliile din regulament .

Perioada campaniei: 10.04 – 10.05.2024

Perioada tranzacționare cu cardul: 10.04.2024 – 24.05.2024

Aplică acum

Durează doar 1 minut să completezi cererea online.

Nota de informare privind prelucrarea datelor cu caracter personal

Aplică pentru cardul de cumpărături World Mastercard®

1. completezi formularul de aplicare, 2. te sunăm în scurt timp, 3. finalizezi procesul de aprobare și primești cardul, un card la nivelul exigențelor tale.

World Mastercard® face față celor mai variate exigențe: asigurări de călătorie incluse și acces în programul Loungekey din aeroporturi din toată lumea. Plus curs valutar preferențial, rate fixe fără dobândă în străinătate, zero comisioane de tranzacționare și cashback.

Cumperi online sau în magazine, în rate fără dobândă, la toți partenerii noștri din  programul Multishop .

Ești salariat sau pensionar? Poți obține un card de cumpărături doar cu cartea de identitate, fără adeverință de venit sau talon de pensie! 

Criterii minime de eligibilitate

Vârstă: 22 - 65 de ani Venit net: minimum 2.000 de Euro Vechime la locul de muncă: minimum 3 luni Fără credite executate sau rambursate cu întârzieri.

Caracteristicile produsului

Tot ce vrei să știi despre cardul de cumpărături MasterCard®:

• Card de credit, în Lei, pentru persoane fizice.
• Utilizare națională și internațională.
• Limita de credit între 15.000 și 120.000 de Lei.
• Limita zilnică de retragere de numerar: 10.000 Lei.
• Limita lunara de cheltuială: 100% din limita acordată de bancă pentru plăți la comercianți, 40% pentru retrageri de numerar.
• Rambursare lunară minimă: 5% din valoarea creditului utilizat, min. 10 Lei.
• Carduri suplimentare: gratuit, până la 4 carduri suplimentare cu acces total sau parțial la limita de credit.
• Tehnologia contactless te ajută să plătești în magazine cu cardul rapid și în siguranță. Cumpărăturile de până în 100 lei le poți realiza fără a fi necesară tastarea PIN-ului. Doar apropii cardul de POS și plata este realizată. 
• Pot exista situații în care se solicită introducerea PIN-ului doar pentru tranzacții mai mari de 200 de lei, în funcție de limita setată pe POS-ul comerciantului la care vrei să plătești. În străinătate, exista limite diferite, de regulă intre 20 Euro și 40 Euro, în funcție de țara în care efectuezi tranzacția.
• Serviciul Comerț Electronic 3-D Secure: înrolare automata a cardului, pentru siguranță online. Pentru detalii click aici .

 Ghid de utilizare card de cumpărături

Aici vei găsi toate caracteristicile, avantajele, beneficiile și modul de utilizare a cardurilor de cumpărături Raiffeisen Bank.

Ghid de utilizare.pdf

• Curs valutar preferențial pentru orice tip de tranzacție efectuată în străinătate, în valută, și care nu este postată în rate fără dobânda.
• Zero comisioane la tranzacțiile la comercianți și ATM, oriunde în lume. 3 sau 6 rate fără dobânda în străinătate, pentru plățile de peste 300 Lei efectuate la comercianți, în valută.
• 0,5% cashback din valoarea cumpărăturilor în lei, în valoare de maxim 15.000 Lei / ciclu de tranzacționare, efectuate în supermarketuri, benzinării, farmacii, restaurante și cafenele, în România, nepostate în rate fără dobânda.

Regulament Beneficii carduri de cumpărături Mastercard World și Mastercard World

Plăți cu telefonul și ceasul

În siguranță, prin Google Pay (Android), Apple Pay (iOS) și Garmin Pay . fară să mai introduci cardul în POS.

Plățile cu telefonul sau cu ceasul sunt la fel de simple ca o plată contactless cu cardul.

Costuri complete

Dobânzi, taxe, comisioane

Cardul de cumpărături Mastercard®

Taxe și comisioane complete pentru cardul tău World MasterCard

Cardul tău de cumpărături raiffeisen vine cu super avantaje:, călătorești fără griji.

Cu World Mastercard® ai acces la: curs valutar preferențial , zero comisioane pentru plățile la comercianți și retrageri numerar la ATM oriunde în lume, 3 sau 6 rate fără dobândă la plățile efectuate la comercianți în străinătate în valută. Detalii în regulament .

Acces în Mastercard® Business Lounge

Beneficiezi de acces gratuit nelimitat în Business Lounge-urile din Aeroportul Internațional Henri Coandă, Vienna Internațional Airport, Aeroportul internațional Traian Vuia Timișoara, Aeroportul internațional Sibiu, Aeroportul Internațional Avram Iancu Cluj-Napoca, doar prin prezentarea fizică sau în portofelul digital (aplicațiile Apple Pay / GPay) a cardului respectiv. 

Accesul este permis doar pentru carduri valide (cardul nu este blocat, declarat pierdut sau furat și poate fi folosit pentru tranzacții de plată). Accesul este permis doar cu carduri active – care au avut cel puțin o tranzacție POS sau e-commerce efectuată și decontată în ultimele 30 de zile, până cu maximum 96 de ore înainte de solicitarea de acces în Business Lounge. Detalii pe Mastercard Business Lounge .

*Business Lounge-urile Aeroportului Internațional Avram Iancu Cluj-Napoca sunt temporar închise pentru lucrări de extindere, perioada de finalizare a lucrărilor fiind Februarie 2024. Detalii pe Mastercard Business Lounge .

Asigurări și servicii gratuite

Cardul îți oferă asigurări și servicii speciale de călătorie gratuite (de până la 100.000 Euro), fără condiția activării asigurării. În cazul producerii unui eveniment asigurat, contactezi CORIS Assistance la numărul de telefon +4 021.201.90.62. Pentru detalii click aici .

Acces în Programul LoungeKey

Cardul Mastercard World vă permite accesul în saloanele VIP și Business Lounge-urile din peste 1400 de aeroporturi internaționale din întreaga lume. Accesul se realizează prin prezentarea cardului World Mastercard și menționarea participării în Programul LoungeKey. Taxa acces Lounge: 35 USD/Vizitator. Mai multe detalii: aici .

Cashback 0,5%

Primești înapoi 0,5% din valoarea cumpărăturilor în lei, efectuate în supermarketuri, benzinării, farmacii, restaurante și cafenele, în România, nepostate în rate fără dobândă. Detalii în regulament .

Motive în plus ca să alegi Raiffeisen Bank

Reduceri și oferte exclusiviste în România

Beneficiezi de reduceri la branduri de lux și oferte naționale exclusiviste la peste 100 de comercianți de mărci prestigioase. Detalii pe www.mastercard.ro/premium

Programul Priceless Cities de la Mastercard®

Beneficiezi de oferte surprinzătoare în peste 40 de orașe din întreaga lume precum: Paris, Londra, Roma, New York și multe alte orașe. Accesează platforma: www.priceless.com/romania , crează-ți cont și ai acces la experiențe internaționale din zona: culinar, cumpărături, spectacole și evenimente, precum și tratament "special guest" la cele mai bune hoteluri.

Protecția rambursărilor

Ai acces la serviciul de asigurare opțional care acoperă riscul de deces din îmbolnăviri sau accident și îți este oferit gratuit pentru primele 3 cicluri de tranzacționare. 

Primești raportul de activitate pe e-mail

Vei primi raportul de activitate exclusiv pe e-mail, la adresa de e-mail declarată în relație cu banca. Opțional, iți poți descărca raportul de activitate oricând vrei, direct din aplicația Smart Mobile sau îl poți obține gratuit din orice agenție a băncii.

Banca ta, direct pe telefon

Ai taxe zero pentru Smart Mobile când ai un card de cumpărături, indiferent de pachetul pe care îl ai. În plus, activează din Smart Mobile notificările pentru cardul tău de cumpărături și le vei primi gratuit, pentru fiecare plată sau alimentare a cardului.

Non sono state trovate registrazioni.

Come si carica la Carta Swiss Bankers Travel?

• Ricarica possibile da parte della Banca Raiffeisen presso la quale la carta è stata richiesta oppure autonomamente tramite il Card Self Service (e-banking) e l'app Swiss Bankers.
• In generale, l'importo della ricarica viene accreditato sul conto della carta entro 15 minuti.
• Commissione per ogni ricarica: 1.5 % dell'importo caricato

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Lunedì al venerdì: ore 07:30 – 21:00

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+41 844 888 800

+41 58 854 62 00  (dall'estero)

Lunedì al venerdì: ore 07:30 – 18:00

+41 848 847 222

aziendale @ raiffeisen.ch

Swiss Museum Pass

Discover over 500 swiss museums.

• offer / prices
• partner museums

WITH THE ANNUAL SWISS MUSEUM PASS YOU CAN VISIT OVER 500 MUSEUMS FOR FREE (COLLECTIONS AND TEMPORARY EXHIBITIONS).

Would you like to be informed about events and special exhibitions in the museums or special offers from the Museum Pass? SUBSCRIBE TO OUR NEWSLETTER FOLLOW US ON FACEBOOK

recent news

Museum rietberg zurich.

Exclusive: 50% discount on the entrance ticket with the Swiss Museum Pass or a partner card (Raiffeisen membership card / Swiss Travel System STS) during the exhibition “MORE THAN GOLD – Splendour and Thought of Indigenous Colombia” from 22.3.2024 – 21.7.2024.

Meet the Ambassadors 2023

Impressions of the “Meet the Ambassadors 2023” in the Gletschergarten Lucerne on 7.9.2023.

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Our analysts are actively searching for investment opportunities to suit your needs.

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MC WORLD ELITE DEBIT CARD

Mastercard World Elite is an exclusive debit card designed for private banking clients. The card comes with an unrivalled range of benefits relating to travel insurance and other services.

Superior insurance and travel assistance

Your prestigious Friedrich Wilhelm Raiffeisen debit card comes with travel insurance for you and your accompanying family members.

• Superior coverage of medical expenses up to 50 million CZK
• The insurance covers the cardholder and accompanying family members (spouse, cohabiting partner, children and grandchildren up to 21 years of age), however only up to 6 people including the insured person
• The cover is not limited by number of trips abroad; the maximum term of one trip is 120 days
• Covered medical expenses include those associated with common recreational sports, such as downhill skiing and snowboarding on marked ski runs and paths, water skiing, diving with an instructor and more
• Free non-stop assistance
• Newly covers also a cancellation fee or dangerous sports

   Exclusive services and benefits

Free admission to fasttrack lounge

As of 1 July 2021, you can enjoy free access to the FastTrack Lounge at the Václav Havel airport while waiting for your plane from Prague. The FastTrack Lounge at the airport offers:

• Unlimited free access applies to the holder of a MC World Elite FWR card and one guest.
• All you need to do is to show your debit card and boarding pass at the lounge reception desk.
• The lounge staff provides professional individual care in a comfortable setting.
• Admission covers an extensive range of all-inclusive refreshments and drinks.
• The lounge consists of resting and entertainment zones.
• A wide range of daily newspapers and magazines, TV and Wi-Fi are at your disposal.
• The premises also include a well-equipped corner for children.
• In addition, a private lounge for business meetings can be booked and purchased as an extra service.

 Lounge access lets clients pass through the Fast Track security check directly to the departure gates.

Loungekey airport lounge access all over the world

• Access to more than 1100 airport lounges in many cities all over the world
• A visit to a VIP lounge lets you schedule meetings, send messages, make phone calls, work on a computer, or just relax, watch TV, read the news and enjoy refreshments in a pleasant private atmosphere of the lounge while waiting for your plane.
• You can invite your friends, colleagues or family members travelling along to the lounge.
• To enter the lounge, just show your World Elite Friedrich Wilhelm Raiffeisen debit card. Admission is not dependent on your airline, your fare or membership in an airline loyalty programme.

Unique concierge service

Concierge services can assist you in dealing with your affairs to let you enjoy every day easily in peace.

• Information on air transport and booking of air tickets
• Car rentals, taxi arrangements
• Hotel and restaurant bookings
• Flower and gift delivery
• Purchases of tickets to concerts, theatre, sports, exhibitions
• Interpreting over the telephone
• Legal advisory

Mastercard Priceless Cities

The Friedrich Wilhelm Raiffeisen debit card includes Priceless Cities, a programme that brings you unique benefits in the form of exclusive experiences in more than 45 cities and regions of the world. The programme also includes Prague, giving you an opportunity to explore the capital city's hidden beauty and secrets, discovering places you have only dreamed of so far. Moreover, the programme includes attractive benefits.

More information about the programme is available at www.priceless.com/prague .

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Cards : Credit Cards

One card for all your needs

Choose the card that suits you the best.

Discover countless reasons to embrace the power of Credit Cards! Whether it's seizing the perfect opportunity or unlocking a world of card benefits, we have a selection waiting just for you: 

0% commission for all POS & online payments

0% interest installment payments, fast application process.

Mastercard Standard Credit Card : Buy now, pay later

Experience financial convenience with our standard credit card:

• 0% commission for POS and Online payments
• Installment payments with 0% interest
• SmartPay Accessories
• Up to 3 supplementary credit cards
• Up to 45 days grace period
• Credit Card balance and transactions in real time on  Raiffeisen On digital platform

Mastercard World Credit Card : One card for all needs!

As a Mastercard World credit cardholder you will have the best benefits in the market:

• 0% commission on all POS & Online purchases
• Fee access in Tirana International Airport Business Lounge
• One free entry per year to the Business Lounge at 1,100 airports worldwide. (LoungeKey App) and preferential price for other entries
• FREE package data plan 5 x 1GB (3 days)for roaming abroad via Flexiroam
• Travel Insurance
• Medical assistance (Teleshendet App)
• Up to three supplementary Credit Cards with half price
• Free SmartPay accessories

Making contactless payments has never been easier.

Get now your SmartPay Accessories as an innovative solution designed to facilitate your daily life. These cards are a revolutionary way to make contactless payments and cash withdraw from contactless ATMs without the need to carry your main card with you.

• Sticker Card
• Payband Card 

Frequently Asked Questions

On this part you may find the most frequently asked questions about Credit Cards

1. Where can I apply for a credit card?

• Credit Card applications can be initiated at any branch of the bank.
• All salary deposit customers at Raiffeisen bank can also apply through the Raiffeisen On Digital Platform.
• You can complete the online application form on the Web and then the bank will contact you.

2. Who can apply for a credit card?

The application is made by all individuals who have verifiable income:

• Salary deposit customers at Raiffeisen Bank
• Non-salary deposit customers in Raiffeisen Bank
• Customers with business income
• Other customers who apply through cash collateral

3. How do I activate my credit card?

A one-time activation is required for the credit card, and it is performed through:

• First purchase and enter credit card PIN.
• Activation at Raiffeisen Bank ATM by setting the PIN code.
• Calling the bank at the number indicated on the card.

4. What is the card limit, and can I change it?

The respective card limit (credit limit) of your Raiffeisen credit card is shown on your monthly bill. Your Raiffeisen advisor will tell you whether this card limit can possibly be changed.

5. What are the Credit Card Limits?

The credit card limit can be used:

• Up to 100% of card limit in purchases at points of sale (POS)
• Up to 100% of card limit for online purchases
• Up to 100% of card limit for withdrawal in ATM 

6. What are the credit card payment methods?

• By contact / Classic : You insert your Raiffeisen credit card into the merchant's internal terminal and confirm your payment via the reader of your chip and PIN.
• Contactless : You can also make contactless payments with your credit cards from Raiffeisen bank. To do this, hold your credit card near the contactless symbol on the terminal card reader (POS). A green light at the payment terminal, combined with a short signal tone, confirms your payment.  Contactless payment limits:  -Up to 4,500 Lek without PIN at Raiffeisen Point of sale (POS). -Up to 50 Euro / equivalent without using PIN at the other banks Point of sale (POS) inside and outside the country. -The number of contactless transactions without PIN is up to 5 consecutive transactions. -If the sum of 150 Euros (equivalent in Lek currency) of consecutive transaction without PIN is exceeded, the transaction will be approved through PIN.
• Online: Online purchases through the "3D Secure" service, which make the card issued by Raiffeisen Bank very secure. Through this service, you will be contacted via an SMS to your mobile phone number that you have registered in the bank, which will contain the unique 6-digit code with which you will confirm the authorization to make the payment with this card.

7. How can you repay the credit card?

You can repay the credit card starting from a monthly minimum of 5% of the total amount spent.

Credit card repayment can be performed through:

• Raiffeisen On Digital Platform
• Cash Deposit in ATM

Please note! For the repayment through depositing at the ATM, make sure that you deposit the funds at least two working days before the date set for minimum payment (not later than 19:00 of that day), for it to be considered as repayment of this obligation.

• In every branch of Raiffeisen bank

8. What should I do in case the card is Lost or Stolen?

• Notify immediately Raiffeisen Card Service at the following contact numbers: 00355 4 2227 262 for any problem with your debit or credit card, activate, blockage, etc  0800 7777 (fix line)
• You could report your compliant anytime by filling the form you will find on the following link  https://www.raiffeisen.al/alb/about/pages/ankesat/
• Go to the nearest bank branch to report any misuse of the card

9. How can we protect the credit card from damage?

Be careful with rays and magnetic fields: Avoid contact with magnetic fields (such as magnetic switches). Your card should also not be exposed continuously near electronic devices, especially near smartphones.

Proper storage: The card should be stored so that it will not bend or scratch.

• +36 80 455 455
• Send email!

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Travel Insurance - Private Banking ENGLISH

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Travel insurance linked to debit and credit cards.

Travel insurance for private individuals is automatically linked to certain cards, and can be optionally concluded for others, for an indefinite period.

• FWR Mastercard World Elite debit card
• FWR Mastercard Platina debit card
• FWR Visa Gold debit card
• FWR Mastercard Platina credit card

It is worth requesting travel insurance to be linked to the following Raiffeisen debit cards:

• FWR Mastercard Standard debit card
• FWR Visa Classic debit card*
• Onecard debit card*

* From 13/08/2020, this card type may not be requested any longer.

What is covered by the insurance? The insurance includes accident, sickness and luggage insurance , as well as liability insurance .

How long is the insurance valid for? It is adjusted to the period of validity of the card, which means that if the period of validity of the expiring card is extended, the period of validity of the insurance will be extended as well.

How can you apply for the insurance?  You can apply for the insurance simultaneously with the debit or credit card application, or subsequently at any time during the period of validity of the card.

To conclude the insurance please call our call centre at phone number +36-80-455-455, or contact your personal banking advisor.

Dokumentumok

• Terms of contract for travel insurance linked to cards

Department of Defense Travel Card Benefits

Progress informed from the past, and inspired by the future, cardholder guide.

Official travel for the Department of Defense just became easier with the Citi Department of Defense Travel Card. When you are preparing to use your new card, please read What To Do When I First Receive My New Card . For more information regarding your new card, please read the Department of Defense Cardholder Guide .

Department of Defense Travel Insurance

As a cardholder, you will receive global travel accident and lost luggage insurance so you feel safe and secure wherever you travel with a Citi ® Commercial Card.

• Travel Accident Insurance Guide
• Lost Luggage Insurance Guide

MasterCard Guide to Benefits

Visa Guide to Benefits

In addition to the card benefits provided by Citi, Visa provides card benefits such as Car Rental Insurance and Travel and Emergency Assistance. For full details, please read the Visa Guide to Benefits .

Travel Tips

For more information on your Citi Department of Defense Travel Card, please read What to do Before, During and After travel .

Online Tools

Citi's global online tool, CitiManager ® , enables you to manage business expenses from anywhere around the globe from your computer or mobile device; you can view statements online, confirm account balances, sign up for email and SMS alerts, and much more. If you have not already signed up for the CitiManager ® tool, please log on to www.citimanager.com/login and click on the 'Self registration for Cardholders' link. From there, follow the prompts to establish your account.

For more information on the CitiManager ® tool, view our CitiManager ® Cardholder Quick Reference Guide .

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Kreditne kartice

VISA kreditna kartica

Da je koristim umesto čekova i da, u zavisnosti od potrošenog iznosa, plaćanje automatski podelim na 3, 6 ili 12 mesečnih rata.

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Da podelim svaku transakciju na 3 ili 6 rata, po mom izboru, bez obračuna kamate i samo uz naknadu za izvršeno plaćanje.

Debitne kartice

VISA debitna kartica

Da plaćam proizvode i usluge i podižem novac na bankomatima u zemlji i inostranstvu. Da plaćam preko interneta i da mi je novac dostupan 24 sata, 7 dana u nedelji.

DinaCard debitna kartica

Da podižem novac I vršim plaćanja u Srbiji. Da su mi sredstva dostupna 24 sata 7 dana u nedelji i da mogu i da plaćam preko Interneta, a da ne plaćam godišnju članarinu po kartici.

Specijalna ponuda

VISA poklon kartica

Da je poklonim za venčanje, rođendan, godišnjice, bonuse, kao nagradu zaposlenima ili kao nagradu prilikom manifestacija, u iznosu od 2.000 RSD do 15.000 RSD.

Bezbednosne preporuke i saveti

U nastavku ćete naći preporuke i savete banke važne za opštu bezbednost u digitalnom okruženju, plaćanja na internetu i korišćenje platnih kartica.

3D Secure - sigurno plaćanje putem interneta

Šta je 3D Secure usluga?

3D Secure je besplatna usluga koju Vam obezbeđuje Raiffeisen banka a.d. Beograd u cilju povećanja Vaše bezbednosti prilikom plaćanja platnom karticom na internetu, kod trgovaca koji su uključeni u Mastercard Identity Check i/ili Visa Secure program. 3D Secure usluga Vam pruža dodatnu zaštitu od neovlašćenog korišćenja Vaše registrovane platne kartice tokom internet transakcije.

Za korišćenje kartice na 3D Secure internet prodajnim mestima neophodna je registracija za ovu uslugu. Jednom registracijom moći će da se obavlja sigurno plaćanje preko interneta za sve tipove kartica izdanja Raiffeisen banke: debitne i kreditne, za fizička lica, preduzetnike i pravna lica, izuzev za Visa POKLON kartice.

Kada plaćate na internet prodajnim mestima koja još uvek ne učestvuju u  3D Secure progamu, Vašu karticu možete koristiti na način na koji ste je koristili pre registracije.

Za sva dodatna pitanja možete pozvati Kontakt centar na broj telefona  011/3202-800 .

Opis usluge

• Aktivacija i korišćenje 3D secure usluge su potpuno besplatni, i možete je koristiti na bilo kom računaru, bez posebnog softvera.
• Internet prodajno mesto koje podržava plaćanja putem Mastercard Identity Check i/ili Visa Secure.
• Platna kartica Raiffeisen banke koja podržava Mastercard Identity Check i/ili Visa Secure servis plaćanja.
• Korisnik koji je prethodno registrovan za 3D Secure
• Neophodno je da instalirate i aktivirate aplikaciju „Moja mBanka„.Ukoliko ste već aktivirali mobilnu aplikaciju „Moja mBanka“ Vi ste automatski registrovani za 3D Secure uslugu , kao i sve platne kartice izdanja Raiffeisen banke koje koristite. Za potvrdu transakcije plaćanja na internetu koristite jednokratnu lozinku , koju kreirate putem mobilne aplikacije „Moja mBanka„.

Postupak kupovine

Postupak kupovine na internet prodajnom mestu koje podržava plaćanja putem Mastercard Identity Check i/ili Visa Secure, možete pogledati na sledećem linku.

Instaliranje aplikacije

• Instaliranje aplikacije i aktiviranje mobilne aplikacije Preuzmite aplikaciju „Moja mBanka“ sa Google Play ili Apple marketa. Na početnoj strani aplikacije imate ponuđene dve opcije za aktivaciju naloga: KREIRAJ NOVI NALOG i VEĆ IMAM NALOG.

Ukoliko ste novi korisnik digitalnog bankarstva i nemate nalog za elektronsko bankarstvo – RaiffeisenOn Line:

• Na početnoj strani birate opciju KREIRAJ NOVI NALOG.
• Nakon unosa Vaših podataka i aktivacionog koda kreirate korisničko ime i lozinku , koji su Vam neophodni za buduće korišćenje usluga internet i mobilnog bankarstva. Aktivacioni kod dobijate pozivom Kontakt centra (011 3202 100) ili u ekspozituri banke. Važnost aktivacionog koda je 24h od trenutka generisanja.
• Kreiranjem i potvrdom PIN-a aplikacija je aktivirana. PIN koriste za prijavu na mobilnu aplikaciju i kreiranje jednokratne lozinke.

Ukoliko već imate nalog za elektronsko bankarstvo – RaiffeisenOn Line:

• Na početnoj strani birate opciju VEĆ IMAM NALOG.
• Unosite korisničko ime i lozinku, koje koristite za prijavu na RaiffeisenOn Line aplikaciju*.
• Nakon unosa aktivacionog koda, koji automatski dobijate u vidu SMS poruke na broj mobilnog telefona koji ste prijavili u banci, kreirate PIN koji ćete koristiti za prijavu na aplikaciju i kreiranje jednokratne lozinke.

* Ukoliko ste zaboravili korisničko ime ili lozinku, aplikaciju možete aktivirati putem opcije KREIRAJ NOVI NALOG.

Kreiranje jednokratne lozinke za potvrdu transakcije plaćanja na internetu

Na početnoj strani mobilne aplikacije pristupate opciji Token i nakon toga, Kreiraj jednokratnu lozinku . Unosite PIN (koji koristite za prijavu na mobilnu aplikaciju) nakon čega se kreira jednokratna lozinka u vidu koda, i ispisuje na ekranu uređaja. Jednokratnu lozinku unosite na internet prodajnom mestu u procesu plaćanja platnom karticom.

Saznajte više

Dodatne informacije

Saznajte kako da odaberete pravu karticu za sebe i svoje potrebe, kako da uspešno upravljate svojim troškovima i kako da najlakše otplatite svoja dugovanja.

Kalendari za kreditne kartice – 2024. godina

Kalendari za kreditne kartice - 2023. godina

Razlika između debitne i kreditne kartice

Saveti kako odabrati pravu platnu karticu

Saveti kako upravljati kartičnim troškovima

Česta pitanja

Otklonite nedoumice i saznajte više o našoj ponudi kartica kroz izbor najčešće postavljenih pitanja vezanih za kartice naše banke.

Koja je kartica najbolja za mene?

Kako da apliciram za debitnu karticu?

Do you know that you can search branch offices and ATMs?

Just enter a city or address.

• Personal account for free
• Personal account AKTIVNÍ účet
• Account for students and childern
• Regular investments

• Minute loan
• Consolidation and refinancing
• Personal overdraft
• Raiffeisenbank Credit Cards
• Mobile Payments for Android
• Mobile Payments Apple Pay

Repayment plans

• Mortagage Calculator
• Classic Mortgage
• Floating rate mortgage
• Remortgaging
• Non-purpose mortgage
• Buy to let mortgage
• Mutual funds
• Sustainable investment
• Raiffeisen investing application
• Obligatory published information
• Transparent Accounts
• Annual and semi-annual reports
• Raiffeisenbank a.s. Bond Programme
• Common reporting standard
• About Raiffeisenbank
• 412 440 000
• Other Contacts
• Credit Cards (in Czech)
• Personal Finance
• Business Finance
• Private Banking
• Branches and ATMs
• Currency rates
• Personal finance
• Credit Cards
• Special cards
• CSA Credit Card

ČSA CREDIT CARD

Product information.

• Assistance service in the price of the card
• The financial limit as much as CZK 600,000
• Discounts with the sellers with the PREMIUM RB Club
• Transport of a golf bag FREE OF CHARGE on flights operated by the Czech Airlines
• Supplementary card  for your dearest INCLUDED
• Continuous overview of payments thanks to the SMS service Kredit info

Miles for using your ČSA credit card

For every payment made with your card you earn miles in the OK Plus frequent flyer programme of the Czech Airlines . Convert miles into rewards: bonus tickets, class upgrades, holiday stays, car rentals, hotel stays, flight simulator lessons and more attractive services.

For every 100 CZK you get 4 miles . Also, you get 10,000 bonus miles for the first payment or cash withdrawal, additional 10,000 bonus miles for the first 5,000 CZK spent using your ČSA credit card in the first month after the issue of the card, and an annual bonus of 5,000 miles if your average monthly turnover on the card is at least 15,000 CZK. The more you use your ČSA credit card, the more miles and rewards you earn. Moreover, these miles qualify for a Silver, Gold or Platinum OK Plus card (SkyTeam miles), up to 15,000 miles in a calendar year.

Get discounts at hundreds of retailers

The program RB Club gives you an opportunity to get discounts on purchases of goods and services in the area of leisure, fashion, traveling, restaurants, etc.

Travel insurance with insurance cover of up to 2 000 000 CZK

Do you travel along with your family? Travel insurance included in the price of your ČSA credit card, protecting you and your accompanying family, gives you the right sense of certainty.

Place your card transactions (such as card payments at merchants or wire transfers from credit card to any current account) into regular monthly instalments with more favourable interest rate using our repayment plans .

Car assistance for all cases

Are you stuck on the road? No problem. Your ČSA credit card includes services such as car towing and transport of all passengers within a 30 km distance, a courtesy car for 3 days, work of a mechanic, as well as minor service, such as battery recharge, tire replacement or topping up fuel. Car assistance always takes a good care of you and your car. All you need to do is to call the nonstop assistance telephone line at +420 221 586 533 . 　

Car assistance only applies to ČSA credit cards by Raiffeisenbank taken out after 1 March 2016.

Kredit Info SMS service

Do you wish to keep track of your credit card account at all times? Activate the Kredit Info text service. Information about your available balance is sent to you after every transaction. You will thus always know when, where and how much you should pay for the last billing period; also, for one flat-rate fee you get an unlimited number of information text messages.

Contactless payments save your time

The contactless technology lets you pay easily and fast. Just place your card at the terminal and enter your PIN, if the amount exceeds 500 CZK. The payment is made in a couple of seconds.

Secure online payments

3D Secure is a free service provided with your card to secure your online payments. When paying at a merchant supporting 3D Secure, you have to confirmt the payment in RB Klíč application or by one-time code sent to your mobile / internet banking.

If you do not provide us with the required information and documents, the provided information or documents are incomplete or untrue, or if they are not adequately explained or supplemented according to our requirements, we might not be able to assess your creditworthiness and grant the loan to you.

The English webpage is only informative and does not represent a proposal to conclude a contract. The Agreement to issue a credit card including related documents are always executed in the Czech language.

Representative example

Terms and Conditions for the issue and use of credit cards

You don't have to worry about high interest rates.

Take advantage of our repayment plans . You can spread your credit card purchases over regular monthly payments at a better interest rate. For example, if you divide the amount you borrowed into 36 instalments, you can pay only 6.99% p. a.

What do I need to get a credit card? 

• Age over 18  
• Regular net monthly income of at least CZK 12,000
• Have Czech citizenship or permanent residence or a residence permit in the Czech Republic 
• A valid identity document 
• Phone number and email for contact 

How long does it take to issue a credit card? 

If you are already a Raiffeisenbank client, you can process your application completely online.   

If you are not yet our client, we will process your application online and you can sign the contracts via Bank iD or at a branch.  

We will issue your card within minutes after you sign the contract. You don't even have to wait for the plastic card to arrive in the post, just load it into your mobile wallet and you can use it immediately. 

I received a new card, how to activate it?

Activate your newly issued credit card when it is delivered to you.

The card can be activated:

• Online in Internet or Mobile Banking - click Activate in the card details. The first time you make a payment at a merchant, insert the card into the terminal and enter your PIN.
• by first contact transaction at a merchant or ATM. Insert the card into the terminal or ATM and enter the PIN.

I lost my card or it was stolen. How do I block it?

If your card is lost or stolen, block it immediately in your Internet or Mobile Banking in the card details. Or contact our customer service line +420 412 446 402.