right to travel card

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Acceptable Identification at the TSA Checkpoint

Adult passengers 18 and older must show valid identification at the airport checkpoint in order to travel.

• Beginning May 7, 2025, if you plan to use your state-issued ID or license to fly within the U.S., make sure it is REAL ID compliant . If you are not sure if your ID complies with REAL ID, check with your state department of motor vehicles.  
• State-issued Enhanced Driver’s License
• U.S. passport
• U.S. passport card
• DHS trusted traveler cards (Global Entry, NEXUS, SENTRI, FAST)
• U.S. Department of Defense ID, including IDs issued to dependents
• Permanent resident card
• Border crossing card
• An acceptable photo ID issued by a  federally recognized , Tribal Nation/Indian Tribe
• HSPD-12 PIV card
• Foreign government-issued passport
• Canadian provincial driver's license or Indian and Northern Affairs Canada card
• Transportation worker identification credential
• U.S. Citizenship and Immigration Services Employment Authorization Card (I-766)
• U.S. Merchant Mariner Credential
• Veteran Health Identification Card (VHIC)

In coordination with its DHS counterparts, TSA has identified acceptable alternate identification for use in special circumstances at the checkpoint.

A weapon permit is not an acceptable form of identification. A temporary driver's license is not an acceptable form of identification.

Beginning May 7, 2025, if you plan to use your state-issued ID or license to fly within the U.S., make sure it is REAL ID compliant . If you are not sure if your ID complies with REAL ID, check with your state department of motor vehicles.

Learn more about flying with a REAL ID .

 TSA currently accepts expired driver’s licenses or state-issued ID a year after expiration. DHS has extended the REAL ID enforcement deadline to May 7, 2025. Learn more about REAL ID on  TSA’s REAL ID  webpage.

TSA does not require children under 18 to provide identification when traveling within the United States. Contact the airline for questions regarding specific ID requirements for travelers under 18.

Forgot Your ID?

In the event you arrive at the airport without valid identification, because it is lost or at home, you may still be allowed to fly. The TSA officer may ask you to complete an identity verification process which includes collecting information such as your name, current address, and other personal information to confirm your identity. If your identity is confirmed, you will be allowed to enter the screening checkpoint. You will be subject to additional screening, to include a patdown and screening of carry-on property.

You will not be allowed to enter the security checkpoint if your identity cannot be confirmed, you choose to not provide proper identification or you decline to cooperate with the identity verification process.

TSA recommends that you arrive at least two hours in advance of your flight time.

Names With Suffixes

TSA accepts variations on suffixes on boarding passes and ID. Suffixes are not required on boarding passes. If there is a suffix on the boarding pass, and there is not one on the ID or vice versa, that is considered an acceptable variation.

If your identity cannot be verified, you will not be allowed to enter the screening checkpoint.

Debunking sovereign citizens, freemen-on-the-land and other pseudo-legal theories.

Is there a right to travel without a driver's license in the united states.

Right to Travel vs. Freedom of Movement

The phrase "right to travel" should be clarified because it's commonly confused.

Many cases, documents, etc. using the phrase "right to travel" are in fact about Freedom of Movement , which is the Constitutional right to travel between States at will. If anyone speaks of a "Constitutional right to travel" Freedom of Movement is the only valid thing they could be referring to, as we'll show.

In pseudo-legal circles, "right to travel" means the supposed right to "travel freely in your private property / automobile / conveyance on the public roads / highways without a driver's license, insurance or registration and exempt from regulation or interruption provided one does not engage in commerce / earn profit or cause harm to people or property."

Absolute freedom! Could it be true? How does the law work?

Tenth Amendment, State Codes

Traffic regulation isn't mentioned in the Constitution, the supreme law of the land , therefore the power generally falls to the States pursuant to the 10th Amendment :

The powers not delegated to the United States by the Constitution, nor prohibited by it to the states, are reserved to the states respectively, or to the people.

States are free to enact whatever traffic regulations they want provided they do not violate federal law, as determined by the federal courts, pursuant to their police power .

All 50+ States, through their legislatures consisting of the people's elected representatives, have seen fit to devise and enact their own traffic codes and police them.

Was it always this way?

There wasn't always legislation displacing the common law. Automobile regulation began in the early 1900's. Here is an excellent paper that thoroughly explores the transitional period when decisions could go either way: The Orphaned Right: The Right to Travel by Automobile, 1890-1950 .

Bicycles were regulated decades before automobiles were invented and activists of the day faced many of the same questions and challenges modern right to travel proponents do. An analysis of that period can be found in this publication: The Impact of the Sport of Bicycle Riding on Safety Law .

Constitutionality

The States have all enacted traffic regulations, but do they violate federal law or the Constitution?

Judging constitutionality is ultimately up to the Supreme Court pursuant to Article 3:

The judicial power of the United States, shall be vested in one Supreme Court, and in such inferior courts as the Congress may from time to time ordain and establish.

Appeals are more-often-than-not declined by the Supreme Court so adjudication may stop at the federal United States Courts of Appeals (circuit courts) or District Courts and those are a good place to look for precedent, too. We prefer citations from these federal courts to avoid presumptions of bias that might arise by the State judging its own regulations and because federal decisions are superior to State decisions pursuant to the Supremacy Clause .

Federal Court Decisions

Let's have a look at some federal cases on the right of States to regulate traffic.

Hendrick v. Maryland 235 US 610 (1915)

The movement of motor vehicles over the highways is attended by constant and serious dangers to the public, and is also abnormally destructive to the ways themselves . . . In the absence of national legislation covering the subject a State may rightfully prescribe uniform regulations necessary for public safety and order in respect to the operation upon its highways of all motor vehicles — those moving in interstate commerce as well as others. And to this end it may require the registration of such vehicles and the licensing of their drivers . . . This is but an exercise of the police power uniformly recognized as belonging to the States and essential to the preservation of the health, safety and comfort of their citizens.

Hess v. Pawloski 274 US 352 (1927)

Motor vehicles are dangerous machines; and, even when skillfully and carefully operated, their use is attended by serious dangers to persons and property. In the public interest the State may make and enforce regulations reasonably calculated to promote care on the part of all, residents and non-residents alike, who use its highways.

Reitz v. Mealey 314 US 33 (1941)

The use of the public highways by motor vehicles, with its consequent dangers, renders the reasonableness and necessity of regulation apparent. The universal practice is to register ownership of automobiles and to license their drivers. Any appropriate means adopted by the states to insure competence and care on the part of its licensees and to protect others using the highway is consonant with due process.

There we have three solid federal Supreme Court decisions that set nationwide precedent that cannot be ignored. The Supreme Court is the final arbiter of law in the United States. Unless "right to travel" proponents can come up with a later Supreme Court ruling that states otherwise, their claims are busted.

And we have one less-impressive but telling quote from a lower federal district court:

Wells v. Malloy 402 F. Supp. 856 (1975)

Although a driver's license is an important property right in this age of the automobile, it does not follow that the right to drive is fundamental in the constitutional sense.

A few of the above cases were found in a somewhat inflammatory and dated but comprehensive publication, Idiot Legal Arguments . We picked out the relevant federal cases, but many more high-level State cases can be found there, too, if you're interested.

There actually isn't a whole lot at the federal level because appeals beyond State courts are often denied as it has long been accepted by the federal government that traffic regulation is a proper exercise of State police power. Federal courts uphold the ability of States to regulate road traffic provided it is done so with equality, reasonableness and for public safety and doesn't violate any federal laws or rights.

But I don't "drive" or use a "motor vehicle"! Those are legal terms used to enslave me and I'm smarter than that!

I'm afraid the State and its courts dictate how things are viewed under its law. You don't get to decide what's considered driving or a motor vehicle, they do. You can't simply switch out a few words to avoid responsibility. If you're in territory controlled by the US and/or a State then its laws may be applied to you and you have no lawful recourse (see Law Basics ).

I've heard of people being ignored or let go by police, even without a license or insurance!

Police have discretion . The world is a very dynamic place. There are any number of reasons why you might be passed by or allowed to proceed at any given time. The cop might be a scared rookie, not care, not want to fight, have a date, have to pee, be on lunch break, be at the end of their shift and going home – think about it – they're human, not machines. The priorities of police and prosecuting attorneys vary. The law is what it is, though, and when you understand it you know in the long run you're looking for trouble if you don't obey it.

I don't like traffic regulations. What can I do?

Your lawful remedy is to convince the majority of people in your State to put pressure on your elected representatives in the State legislature to change the law. That or you could move to another State or country where there are less regulations (and perhaps more fatalities ).

Study hard, verify claims, think for yourself, question this, comment.

• Right to Travel
• United States

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How to get a REAL ID and use it for travel

The REAL ID Act is a law that sets higher security standards for state-issued driver's licenses and identification cards (IDs).

Why upgrade your license to a REAL ID?

Beginning May 7, 2025, if you have not upgraded your driver’s license or state-issued ID to be REAL ID-compliant, you will not be able to use it to:

• Board federally regulated commercial aircraft
• Access federal government facilities or military installations
• Enter nuclear power plants

Visit the REAL ID website for more details and frequently asked questions .

Check to see if your license or state ID is already REAL ID-compliant

If your driver's license or state ID has a star in the upper right-hand corner, it is already REAL-ID-compliant. There is nothing more you need to do.

How to get a REAL ID

When you apply for or renew your driver’s license or state identification card, you can choose to make it REAL ID-compliant. Find and visit your state's driver's licensing agency website to see what documentation you will need. Your new card will have the REAL ID star marking at the top right.

Using REAL ID and other ID options to board a plane

If you do not upgrade your license or state ID, you can use a passport or one of these other acceptable forms of identification to fly . 

Can you still get a non-REAL ID-compliant license or state ID?

You will still be able to get a driver's license or state ID card that is not REAL ID-compliant. But you will not be able to use it for air travel or to get into federal facilities or military installations. Find and visit your state's driver's licensing agency website to see how to get a non-REAL ID-compliant license or state ID.

LAST UPDATED: December 18, 2023

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• U.S. Constitution Annotated

The following state regulations pages link to this page.

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Card/Account Holders and Approving Officials Travel Training

Lesson 10: Disputes

What is a dispute.

A dispute is a disagreement between the card/account holder and the merchant with respect to a transaction. Disputable charges include double billings and charges to your card/account that belong to another card/account. Non-disputable charges include sales tax, shipping, and returned or unused airline tickets. Usually, airline tickets are purchased by the Travel Management Company (TMC) using the centrally billed account (CBA) and the amount will never appear on your travel card/account. In the instance when you purchase airline tickets using your own individually billed account (IBA) and you return the tickets, the airline will issue a credit against your account. You, the card/account holder, are responsible for notifying the contractor bank of any items in dispute and will have 90 calendar days from the transaction date to initiate a dispute, unless otherwise specified by the agency/organization.

Payment of the undisputed charges must be made by the payment due date. Once you have submitted the dispute to the bank, delinquency of the disputed amount will be held in abeyance until the matter is resolved.

Please note that you relinquish your right to recover a disputed amount if you do not dispute it before 90 calendar days from the transaction date.

How do you handle questionable charges on the bill?

As a card/account holder, you are responsible for reviewing all charges on your statement. One of the first signs of fraud is at least one “mystery expense” showing up on your statement. Verify your statement by:

• Looking for transactions or account withdrawals that you do not recall making.
• Checking for unknown vendors.

If you do notice a questionable charge, act promptly so that you will have the necessary information before payment is due.

Contact the merchant for clarification on the charge.

• If you need help identifying the merchant, call the contractor bank’s customer service number listed on the back of your GSA SmartPay® Travel card/account.
• If the charge is erroneous, generally the merchant will reverse it, and it will appear as a credit on your next statement.
• Be sure to follow up and make sure the credit was posted to your account and deduct the credited amount from your payment.
• If the credit is not posted in a reasonable amount of time, dispute the charge with the bank.
• If the merchant says it is a legitimate charge to your card/account, ask for proof, such as a signed receipt.
• If, after receiving the additional information from the merchant, you do not agree that it is a legitimate charge, dispute the charge with the bank.

training.smartpay.gsa.gov

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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

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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
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• Best Overall
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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.
• High spend needed for welcome offer.
• 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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International Travel as a Permanent Resident

In general, you will need to present a passport from your country of citizenship or your refugee travel document to travel to a foreign country. In addition, the foreign country may have additional entry/exit requirements (such as a visa). For information on foreign entry and exit requirements, see the Department of State’s website .

If seeking to enter the United States after temporary travel abroad, you will need to present a valid, unexpired “Green Card” (Form I-551, Permanent Resident Card). When arriving at a port of entry, a U.S. Customs and Border Protection Officer will review your permanent resident card and any other identity documents you present, such as a passport, foreign national I.D. card or U.S. Driver’s License, and determine if you can enter the United States. For information pertaining to entry into the United States, see U.S. Customs and Border Protection’s webpage .

Permanent residents are free to travel outside the United States, and temporary or brief travel usually does not affect your permanent resident status. If it is determined, however, that you did not intend to make the United States your permanent home, you will be found to have abandoned your permanent resident status. A general guide used is whether you have been absent from the United States for more than a year. Abandonment may be found to occur in trips of less than a year where it is believed you did not intend to make the United States your permanent residence. While brief trips abroad generally are not problematic, the officer may consider criteria such as whether your intention was to visit abroad only temporarily, whether you maintained U.S. family and community ties, maintained U.S employment, filed U.S. income taxes as a resident, or otherwise established your intention to return to the United States as your permanent home. Other factors that may be considered include whether you maintained a U.S. mailing address, kept U.S. bank accounts and a valid U.S. driver’s license, own property or run a business in the United States, or any other evidence that supports the temporary nature of your absence.

If you plan on being absent from the United States for longer than a year, it is advisable to first apply for a reentry permit on Form I-131 . Obtaining a reentry permit prior to leaving the United States allows a permanent or conditional permanent resident to apply for admission into the United States during the permit’s validity without the need to obtain a returning resident visa from a U.S. Embassy or Consulate abroad. Please note that it does not guarantee entry into the United States upon your return as you must first be determined to be admissible; however, it will assist you in establishing your intention to permanently reside in the United States. For more information, see the Travel Documents page.

If you remain outside of the United States for more than 2 years, any reentry permit granted before your departure from the United States will have expired. In this case, it is advisable to consider applying for a returning resident visa (SB-1) at the nearest U.S. Embassy or Consulate. An SB-1 applicant will be required to establish eligibility for an immigrant visa and will need a medical exam. There is an exception to this process for the spouse or child of either a member of the U.S. Armed Forces or civilian employee of the U.S. Government stationed abroad on official orders. For more information on obtaining a returning resident visa, see the Department of State’s webpage on returning resident visas .

Additionally, absences from the United States of six months or more may disrupt the continuous residency required for naturalization. If your absence is one year or longer and you wish to preserve your continuous residency in the United States for naturalization purposes, you may file an Application to Preserve Residence for Naturalization Purposes on Form N-470. For more information, please see the Continuous Residence and Physical Presence Requirements page.

If you lose your Green Card or reentry permit or it is stolen or destroyed while you are abroad, you may need to file a Form I-131A, Application for Travel Document (Carrier Documentation) . This carrier documentation will allow an airline or other transportation carrier to board a lawful permanent resident bound for the United States without the carrier being penalized. For more information, please see the Form I-131A, Application for Travel Document (Carrier Documentation) page.

More Information

• Welcome to the United States: A Guide for New Immigrants (PDF, 3.57 MB)
• How Do I Get a Reentry Permit? (PDF, 667.32 KB)
• I-131, Application for Travel Document
• I-90, Application to Replace Permanent Resident Card

Other USCIS Links

• Green Card Resources
• How Do I Help My Relative Become a Lawful Permanent Resident? (PDF, 577.38 KB)
• How Do I Renew or Replace My Permanent Resident Card? (PDF, 550.19 KB)
• "How Do I" Guides for Permanent Residents

5 steps to choose the best travel card

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Key takeaways

• Consumers can find travel credit cards that are co-branded with a specific airline or hotel loyalty program, as well as general travel credit cards that apply to most types of travel.
• Many frequent travelers sign up for a new travel credit card in order to score a big welcome bonus, yet it’s crucial to consider a card’s long-term value, as well.
• With travel credit card annual fees ranging from $0 to $695 (or more), consumers will need to assess the value of the travel perks they’ll receive to know if an individual card makes sense for them.
• Ultimately, the best travel credit card for consumers will be the one that gets them the most in rewards and benefits for the annual fee they pay.

Choosing the best travel credit card can be a tough decision, mostly because there are multiple card issuers, rewards programs and types of travel rewards you can earn. That said, the right travel credit card can help you earn points or miles for free travel and improve your travel experience . After all, many top travel credit cards come with annual free nights, travel insurance, waived checked baggage fees, airport lounge access and more.

Before you choose a travel card, you’ll need to understand which type of travel card best suits your spending style and travel needs. Below are five steps to follow to help you choose the best card for traveling.

1. Decide between a co-branded or general travel credit card

Before you do anything else, you’ll want to think long and hard about the type of travel rewards you want to earn . You can start by considering how much flexibility you’d like when it comes to redeeming points or miles , along with your typical travel style and whether you have any preferred airlines or hotels.

When looking for the best credit card for travel rewards , there are two primary types of travel credit cards to consider: co-branded travel credit cards and general travel rewards credit cards .

Quick definitions

Many co-branded travel credit cards come with on-brand travel perks. For co-branded airline cards, that typically means free checked bags, priority boarding, in-flight discounts and other frequent flyer benefits . For co-branded hotel cards, that typically means annual hotel credits or automatic hotel elite status . Because co-branded cards let you earn and redeem rewards in a specific travel program, however, they’re best for travel loyalists who use the same brand frequently.

General travel credit cards allow you to earn rewards in a credit card rewards program that lets you use your points or miles in various ways. For example, you may be able to transfer your rewards to several different airline and hotel loyalty programs or use them to purchase travel through your card issuer’s travel portal . You may also be able to redeem your rewards for statement credits, gift cards and select merchandise, among other options. Generally speaking, flexible travel credit cards are best for people who want to use rewards for travel without being tied down to a specific airline or hotel brand.

2. Look for a big welcome bonus

One of the easiest ways to get massive value from travel cards is to earn a welcome bonus. After all, many top travel credit cards offer welcome bonuses that are worth $1,000 or more, depending on how you redeem your rewards.

For instance, the Chase Sapphire Reserve® offers a welcome bonus of 60,000 points after spending $4,000 on purchases within the first three months of account opening. If you redeem that bonus for travel through the Chase Ultimate Rewards travel portal , your points will be worth 1.5 cents a piece, making your bonus worth $900. And if you redeem your bonus with a high-value Chase transfer partner , your rewards could be worth around 2.0 cents according to our points and miles valuations , making your bonus worth $1,200.

But before banking on those hefty credit card welcome bonuses, make sure you’re able to meet the minimum spending requirements within the required timeframe. For rewards cards, minimum spending requirements typically range from $500 to $15,000 and usually must be met within three to six months. Most people meet spending requirements by charging their daily expenses and monthly bills to their credit card, although that can become more difficult to manage on the higher end of the scale.

Then again, some cards allow you to earn a big welcome bonus with as little as a single purchase. For example, the AAdvantage® Aviator® Red World Elite Mastercard® * offers 50,000 AAdvantage miles after making one purchase and paying the card’s annual fee ($99) in full within the first 90 days. This offer is especially impressive considering the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® *, which also comes with a $99 annual fee (waived the first 12 months), requires you to spend $2,500 within three months of account opening to earn 50,000 AAdvantage miles.

If you’re thinking about opening a rewards card with a higher minimum spending requirement — such as $4,000 over three months — you’ll want to do the math to make sure you can meet this requirement with regular spending and bills. For example, spending $4,000 within three months of account opening requires you to have at least $1,334 in monthly expenses you can charge to the card for three months in a row.

3. Look for lucrative rewards categories that make sense for you

While there’s nothing wrong with going after a big bonus , you should also aim to earn rewards that align with your spending habits in order to reap the benefits of the card long-term. That’s where rewards cards that offer everyday bonus categories and travel perks come in.

If you spend a lot in specific categories, it makes sense to look for cards that offer bonus rewards in those categories. For example, if you spend a lot on dining, gas and groceries, as well as on travel, the Citi Premier® Card would be a great fit. This card offers 3X points on restaurant, supermarket, gas station, hotel and air travel purchases. It also allows you to transfer your rewards to Citi’s airline and hotel partners , which can help you to get more value from your rewards.

On the other hand, if you don’t want to keep track of which credit card to use (and when), you can opt for a flat-rate cash back card like the Citi Double Cash® Card , which offers up to 2 percent cash back on all purchases — 1 percent as you make purchases and another 1 percent when you pay off your purchases. Although the Citi Double Cash isn’t a travel card per se, and you can’t transfer your points to travel partners, it does allow you to redeem your cash back as basic Citi ThankYou points — which can then be redeemed for travel through the Citi portal .

The Capital One Venture Rewards Credit Card is another travel card that is easy to use and is a good choice for travel rewards beginners. This card’s simple earnings structure allows you to earn 5X miles on hotels and rental cars booked through the Capital One Travel portal and an unlimited 2X miles on all other purchases. You can redeem your miles for statement credits, use them for travel purchases through the portal or transfer them to Capital One travel partners for even more value.

4. Identify which travel perks matter most to you

Next, you’ll want to look at rewards cards based on their travel benefits and protections. Ideally, you’ll find a travel credit card that offers perks you can actually benefit from, rather than ones that just sound flashy. The right benefits can help offset your card’s annual fee and generate hundreds of dollars worth of value every year.

Premium travel credit cards tend to have the most benefits , although they also charge higher annual fees. For example, The Platinum Card® from American Express — which is frequently considered one of the best rewards credit cards for travel — comes loaded with well over $1,000 worth of recurring benefits. These benefits come largely in the form of memberships and travel credits in exchange for a $695 annual fee. However, you’ll want to evaluate whether you can take advantage of enough of the card’s plentiful benefits to justify the card’s annual fee .

As you compare travel credit cards with perks that can make the annual fee well worth paying , look for the following benefits:

Airport lounge membership

Credits for expedited airport security, airline elite status boost, airline perks, hotel elite status, annual hotel credits, annual credits, 5. do the math to minimize fees.

Are travel credit cards worth it ? It all depends on the perks you’ll get in exchange for paying an annual fee, and how much that annual fee costs. If you’re considering a travel credit card with an annual fee under $100, justifying the cost should be easy the first year. After all, many travel credit cards offer welcome bonuses worth $500 or more, and that’s on top of the rewards you earn on your spending.

Take the Chase Sapphire Preferred® Card , for example. At the moment, the sign-up bonus for this card is 60,000 points when you spend $4,000 within three months of account opening. That’s worth $750 in travel when you book through Chase Ultimate Rewards , which more than offsets the $95 annual fee.

However, you don’t have to pay an annual fee for a travel credit card at all. There are plenty of travel credit cards with no annual fee that offer solid value. For example, the Discover it® Miles comes with a $0 annual fee and unlimited 1.5X miles on all purchases. Plus, Discover will match all the miles earned at the end of your first year.

When it comes to travel cards, it’s also important to be aware of foreign transaction fees . These fees are usually around 3 percent of each transaction made in foreign currency and they can really add up if you spend a lot overseas. In that case, a credit card with no foreign transaction fees , even if it comes with an annual fee, might save you more in the long run.

Still not sure if you should get a travel credit card? Check out our Credit Card Spender Type tool , where you can get personalized credit card recommendations based on your spending habits, daily needs and credit score.

The bottom line

The right travel credit card for you depends on factors like how often you travel, the type of rewards you’ll use, the benefits you want the most and how much you’re willing to pay to hold the card. Fortunately, there are so many amazing travel rewards credit cards on the market today that you’re sure to find one that suits your needs.

Take the time to compare our list of the best travel credit cards . Then, make an informed decision based on your research. Also, know that you’re not stuck with the same card forever. If you wind up disappointed with the card you select, you can always request a product change or apply for a new card that better meets your needs.

Issuer-required disclosure statement Information about the AAdvantage® Aviator® Red World Elite Mastercard® and Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ United States of America Travel Cost | Budget Your Trip .” Accessed on March 07, 2024.

Best Travel Credit Cards of 2024

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Using Your Global Entry Card

We accept Global Entry cards for lawful U.S. entry at land and sea ports of entry.

Global Entry cards have radio frequency identification chips, which enable their use at Secure Electronic Network for Travelers Rapid Inspection (SENTRI) and NEXUS travel lanes when entering the United States at the land borders. You must follow all program rules for SENTRI when using this card at the Southern land border ports of entry.

You may use this card for expedited entry into the United States via the SENTRI and NEXUS lanes. The card is not valid for entry into Canada via the NEXUS lanes.

Only your passport or lawful permanent resident card are accepted at Global Entry kiosks. The Global Entry card cannot be used at Global Entry kiosks. NEXUS cards are accepted at Global Entry kiosks located on Canadian Preclearance Airports.

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How to Compare Travel Credit Cards

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Regardless of whether you’re just starting to look into travel cards or already have a few under your belt, understanding how to compare travel credit cards can quickly get complicated. From cardholder benefits to annual fees, each card is unique.

So how do you know which ones you should get? Let’s take a look at the different aspects of travel cards, some of the best travel credit card perks and how to figure out which ones are right for you.

What to consider when you compare travel credit cards

Your travel credit card selection will ultimately come down to the following four factors: The size of the welcome bonus, the card's benefits and rewards, how you'll earn points and the card's overall cost (or annual fee).

Welcome offers

Banks want your business. In the highly competitive U.S. credit card market, this means they’ll need to stand out in order to attract your attention. One of the ways they do this is by offering welcome bonuses.

Welcome bonuses can vary, but they usually feature a one-time lump sum of bonus points after making enough purchases on your card in a specific amount of time. You can find offers ranging from 15,000 points all the way up to 180,000 points — but not all bonuses are created equal.

You’ll want to consider how you’re going to redeem those points well before you send in your application. Are you a frequent flyer? A co-branded airline card may be a good option for you. Do you prefer a certain hotel chain? You may want to direct your attention toward hotel cards instead. Make sure you can and will use the bonus points on offer before you sign up.

Some card issuers limit how often you can sign up for new credit cards — and even how many times you’re allowed to receive a welcome offer. Research this before applying.

Some of the best travel credit card offers out there are with credit cards that offer flexible point currencies, such as American Express Membership Rewards , Chase Ultimate Rewards® and Citi ThankYou points . The points these cards earn can transfer to a number of partners, such as airlines and hotel chains. These cards thereby give you more flexibility and ultimately help you avoid pigeonholing yourself into earning points or miles that can only be redeemed with a single loyalty program.

» Learn more: The best travel credit card welcome bonuses right now

Benefits and rewards

Another way card issuers try to differentiate themselves is by the perks they offer. You’ll find a different range of benefits based on the type of card you’re getting. No-annual-fee and mid-tier cards (those costing an annual fee of $100 or less) inherently offer fewer perks than their more expensive cousins, premium travel cards. These credit cards may cost hundreds to renew every year.

When comparing travel credit card rewards, consider how many of these benefits you can realistically maximize — let alone use. For example, several different travel credit cards come with TSA PreCheck/Global Entry credits , but you only need one membership every four years. If you already have one card that offers this credit, then target other benefits when applying for another travel rewards card.

The same can be said of cards like The Platinum Card® from American Express . As a top-tier card, you’ll enjoy complimentary elite status with hotel chains like Marriott and Hilton . Enrollment required. However, the card also comes with a $25 monthly Equinox credit that may not fit into your existing lifestyle. Terms apply.

» Learn more: The best travel credit cards right now

Earning bonus points

Once you’ve earned your welcome bonus, the best way to increase your points balance is by putting purchases on the card itself. Each individual card will offer varying amounts of bonus points for different spending categories. Sometimes these are called bonus categories.

You’ll need to decide how diligent you want to be about earning points. Are you fine with switching out cards in order to maximize your bonus points? Or are you content with keeping a select few on hand and leaving some other cards' rewards on the table?

Based on what you decide, you’ll want to compare the earning structure for the travel cards you’ll own. Some, like the Chase Sapphire Reserve® , offer a flat 3x points on a broad category of travel-related expenses. Others, like The Platinum Card® from American Express , will give you an objectively better 5x points on airfare and hotels — but will restrict how you earn based on how you book your travel. You’ll also face an annual cap of $500,000, after which you’ll earn just 1x point per dollar.

Annual fees

Most travel credit cards aren’t free. True, there are some entry-level cards that’ll provide limited benefits and no annual fee, but the best perks are offered on cards that will cost you money.

Active duty military members can have their credit card annual fees waived by major banks such as American Express and Chase.

The question here is: How much are you willing to spend? Some of the most expensive travel credit cards will charge you upwards of $500 per year. In return, you’ll get best-in-class rewards and the ability to maximize bonus points on your spend.

If you’re not looking to lay out a lot of cash, mid-tier cards such as the Chase Sapphire Preferred® Card can offer similar but less extensive rewards with a much cheaper annual fee. Figure out the budget you’re comfortable spending each year and take a look at cards that fit your needs.

» Learn more: Best no annual fee travel credit cards of October 2021

If you’re looking to compare travel credit cards …

Each travel credit card is unique, and the best way to figure out which one is right for you is by comparing them. Decide what’s important to you, whether it’s a large welcome offer, the ability to earn plenty of points or a whole slew of cardholder benefits, and pick out cards that match what you’re willing to pay.

Not all cards are right for every person, but with the range of available travel credit cards on the market today, odds are you’ll find one that suits your lifestyle.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

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

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 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.

60,000 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℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x 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.

75,000 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.

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MORE FROM VAULT

Best Card to Pair with the Chase Sapphire Reserve: Boost Your Rewards with the Right Credit Card Combo

Natasha Etzel

Credit Cards Expert

Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she’s either dreaming up her next credit card rewards redemption or traveling the globe. Natasha hopes to encourage more people to experience the world around them while making smart financial choices.

Robert Thorpe

Senior Editor

Robert is a senior editor at Newsweek, specializing in a range of personal finance topics, including credit cards, loans and banking. Prior to Newsweek, he worked at Bankrate as the lead editor for small business loans and as a credit cards writer and editor. He has also written and edited for CreditCards.com, The Points Guy and The Motley Fool Ascent.

Updated April 25, 2024 at 11:34 am

For many people, especially frequent travelers, the Chase Sapphire Reserve® is a valuable rewards credit card because of its generous rewards and practical travel benefits. But having other rewards credit cards for purchases beyond travel and dining can be helpful.

So what is the best credit card to pair with the Chase Sapphire Reserve? Keep reading to find out.

Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. At Newsweek, we’ve developed a common language to talk about the value of points and miles: our valuations.

Our valuations translate points into dollars and cents in a way that reflects reality. They are based on actual data across a balance of accessible redemption options, not just the aspirational first and business class redemptions that require a PhD in miles and points to book. The upshot is that our valuations help you understand the actual value you can easily get from your miles and points.

Vault’s Viewpoint

• The Chase Sapphire Reserve® is a travel rewards credit card that can provide value to frequent travelers.
• Pairing the Chase Sapphire Reserve® with another credit card can allow you to maximize your credit card rewards.
• If you have the Chase Sapphire Reserve®, the Chase Freedom Unlimited® can make an excellent addition to your wallet.

The Chase Sapphire Reserve and the Chase Freedom Unlimited®

Having the Sapphire Reserve and the Chase Freedom Unlimited® can allow you to potentially earn more rewards. Here are some reasons why you may want to pair these two Chase cards together.

Earn More Rewards for Everyday Purchases

The Chase Sapphire Reserve® has several bonus categories that allow cardholders to earn at a higher rate. But cardholders only earn 1X points for purchases outside those categories. Meanwhile, the Chase Freedom Unlimited® earns 1.5% cash back on spending outside select bonus categories.

With both credit cards in your wallet, you can earn more rewards to get closer to your redemption goals.

Here’s how to prioritize spending with this credit card combo to maximize your rewards:

• Use the Chase Sapphire Reserve® for dining and travel purchases
• Use the Chase Freedom Unlimited® for all other purchases

The Chase Freedom Unlimited® Has No Annual Fee

The Chase Sapphire Reserve has a pricey annual fee of $550. But the Chase Freedom Unlimited has no annual fee. This credit card pairing is smart because you won’t pay additional yearly fees to earn more rewards.

Combine Your Points to Get Maximum Value

The Sapphire Reserve is a dream rewards credit card for frequent travelers. When redeeming Chase Ultimate Rewards points for travel through the Chase Travel portal, cardholders get 50% more value from their rewards.

For example, redeeming 50,000 points will get you $750 worth of travel by that figure. Meanwhile, 50,000 points are generally only worth $500 when redeemed as a statement credit. That’s why many travelers with the Chase Sapphire Reserve avoid redeeming for a statement credit.

But cardholders with other Chase credit cards earning Ultimate Rewards points can combine their points and transfer them to their Chase Sapphire Reserve® rewards account. This will give them more points to redeem when they’re ready to use them, and they can maximize the value by booking eligible travel through Chase Travel.

Without the Chase Sapphire Reserve® in your wallet, 50,000 points earned from the Chase Freedom Unlimited® would only be worth $500 in cash back rewards. So, having both of these cards is a wise strategy to boost the value of your rewards.

Chase Freedom Unlimited®

On Bankrate Credit Cards's secure site

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

Why Would You Want to Pair One Card with Another?

Choosing the right card to pair alongside your Chase Sapphire Reserve® is necessary to maximize your rewards and get the most out of your credit card perks. Here are two reasons the right credit card combo can be beneficial:

Earn More Rewards

With the right pairing, you can boost your credit card rewards. As you research other cards, consider how the Chase Sapphire Reserve® earns rewards. Doing this will allow you to choose an alternate rewards credit card that earns in other bonus spending categories or at a higher rate for purchases beyond select bonus categories. The more rewards you earn, the more you can benefit when redeeming your rewards.

Maximize the Value of Your Credit Card Rewards

The right pairing can also give you more value from your rewards. As you explore credit card options, consider the card’s rewards program. The Chase Sapphire Reserve is part of the Chase Ultimate Rewards program.

Pairing this travel credit card with another rewards credit card that earns Chase Ultimate Rewards points can be a win. Why? You can transfer your rewards from another Chase credit card to your Chase Sapphire Reserve credit card account to maximize your rewards.

One way to do this is to redeem your rewards for travel through the Chase Travel Portal to get a 50% rewards boost. You can use your points to redeem hotels, flights and rental cars. This redemption strategy could make an upcoming vacation more affordable.

Other Cards to Consider

Not the ideal credit card combo for you? Here are some alternative best credit cards to pair with the Chase Sapphire Reserve®.

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is another card that pairs nicely with the Chase Sapphire Reserve. It has no annual fee and earns a flat-rate 2% cash rewards on all purchases with no spending caps. Since the Chase Sapphire Reserve only earns 1X points on purchases outside the card’s bonus categories, this is an ideal card to swipe for non-travel or dining spending.

This flat rate cash back card also includes cell phone protection insurance, which protects against covered cell phone theft or damage. Cardholders qualify for up to $600 per claim and can make up to two claims per 12-month period. A $25 deductible applies to each claim. You must pay your monthly mobile phone service bill with your credit card to use this perk.

U.S. Bank Cash+® Visa Signature® Card

The U.S. Bank Cash+® Visa Signature® Card is another pairing option for the Chase Sapphire Reserve. This rewards card has no annual fee and offers up to 5% cash back rewards. The best part is it provides customizable rewards. Here’s how this card earns rewards:

• 5% cash back on your first $2,000 in combined eligible purchases every quarter on two spending categories of your choosing (home utilities, electronic stores, fast food, cell phones, department stores, select clothing stores, furniture stores, ground transportation, sporting goods stores, movie theaters, gyms and fitness centers or TV, internet and streaming)
• 2% cash back on one everyday spending category of your choice (grocery stores and grocery delivery, restaurants or gas stations and EV charging stations)
• 1% cash back on other purchases

Using this cash back credit card for your top everyday spending categories outside of dining and travel can allow you to maximize the rewards you earn. The 2% rewards have no spending cap, so this would be a solid card to swipe for gas or grocery spending.

Chase Freedom Flex℠

The Chase Freedom Flex℠ has no annual fee and earns rewards in the following categories:

• 5% cash back on rotating quarterly bonus categories with activation (on up to $1,500 in spending per quarter)
• 5% cash back on travel purchased through the Chase Travel portal
• 3% cash back on dining and drugstore purchases

The 5% cash back rewards apply to up to $1,500 in spending per quarter for a maximum of $75 cash back rewards per quarter. Since these bonus categories rotate, stay alert to these categories so you don’t miss out on the chance to activate and earn more rewards.

Frequently Asked Questions

Is amex gold or chase sapphire reserve better.

The American Express® Gold Card is another popular rewards credit card. But it differs from the Chase Sapphire Reserve. The Amex Gold Card has an annual fee of $250 ( see rates and fees ) and rewards purchases at restaurants worldwide (plus on takeout and delivery in the U.S.), U.S. supermarkets spending and on flights booked directly with airlines or on amextravel.com.

The Chase Sapphire Reserve has a higher annual fee of $550 and rewards for travel (not just flights) and dining purchases. To determine which rewards credit card is best for you, consider your rewards goals, budget, and typical spending habits.

Does Chase Sapphire Reserve Get You Into Airport Lounges?

Yes, the Chase Sapphire Reserve includes a complimentary Priority Pass Select membership. After enrolling in this benefit, primary cardholders and authorized users get complimentary access to participating Priority Pass lounges. Each cardholder and authorized user can bring a maximum of two accompanying guests for free per lounge visit. A fee of $27 per guest will apply to any additional guests per visit.

Do You Get Priority Boarding with Chase Sapphire Reserve?

No, the Chase Sapphire Reserve® is a travel rewards credit card. Since it’s not an airline credit card it doesn’t include priority boarding benefits. Travelers seeking priority boarding may want to apply for a credit card from their favorite airline or achieve elite status through a frequent flyer program to access this travel perk.

Related Articles

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.

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REAL ID requirements are coming next year—here's what U.S. fliers need to know

Domestic fliers have one year left to get REAL ID-compliant documentation before the Department of Homeland Security's new policies go into effect.

Beginning on May 7, 2025, travelers won't be able to board a domestic flight, access certain federal facilities or enter a nuclear power plant unless their driver's license or ID has REAL ID's telltale star marking in the top righthand corner.

The REAL ID Act was introduced in 2005 in an effort to tighten the nation's air travel security in the wake of the September 11 attacks.

The deadline for REAL ID compliance has been repeatedly delayed since its original 2008 deadline. It was most recently pushed back at the end of 2022, with the DHS citing "the lingering effects of the Covid-19 pandemic" as part of the reason for the change.

Once the REAL ID requirement goes into effect, travelers will no longer be able to board domestic flights with an ordinary license.

Travelers who go to the airport after May 7, 2025 without a REAL ID-compliant license will not be able to get past security, the DHS website says. They will, however, be able to board commercial aircraft by showing a valid passport.

Here's what you need to know to be prepared for the switch in 2025.

When do I need my REAL ID?

The DHS deadline is May 7, 2025.

What happens if I don't get REAL ID in time?

Failure to produce a REAL ID-compliant identification at airport security will result in you not being let through to your gate.

If you don't have REAL ID by May 7, 2025 you can still show your U.S. passport or an Enhanced Driver's License issued by Washington, Michigan, Minnesota, New York or Vermont.

For a full list of alternative ID accepted by TSA, visit this link .

How do I sign up for REAL ID?

You can sign up for REAL ID at your local DMV. The DHS includes a helpful map on its website with links to the DMV for every U.S. state and territory where you can set up an appointment.

Each state's driver's licensing agency lists the documentation you will need to bring in order to get a REAL ID. The DHS website states that applicants must bring documentation showing the following:

• Full legal name
• Date of birth
• Two documents bearing your address
• Lawful status

Do I already have REAL ID? How do I know?

To see if your current ID is REAL ID-compliant, check the top right corner. Depending on which state issues your ID, the REAL ID marking will show up in the form of a yellow or black star in the top right corner on the front of your ID.

You can see example photos on the DHS website.

Can I still drive without a REAL ID?

Yes. The REAL ID requirements will only impact air travel.

Want to make extra money outside of your day job?  Sign up for CNBC's new online course  How to Earn Passive Income Online  to learn about common passive income streams, tips to get started and real-life success stories.

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Wells Fargo Autograph Journey Card review 2024: rewards, benefits, and more

The Wells Fargo Autograph Journey Card offers generous travel rewards for a reasonable annual fee, making it an excellent choice for frequent travelers who prioritize earning points on hotels, airlines, and dining expenses.

Marc Guberti

Marc Guberti is a Certified Personal Finance Counselor (CPFC) and Bankrate contributor. He also writes articles on finance and investing for US News & World Report, InvestorPlace, Benzinga, and other publications.

Hanna Horvath

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated April 24, 2024, 2:34 PM EDT

Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc. (Credible), which is majority-owned indirectly by Fox Corporation. The Fox Money content is created and reviewed independent of Fox News Media. Credible is solely responsible for this content and the services it provides.

Advertiser disclosure: Content provided by Bankrate.com. Fox and its content partners earn compensation from the affiliate companies below. This content doesn’t include all available offers, and compensation may impact how and where links appear in the content.

The new Wells Fargo Autograph Journey℠ Visa® Card is a great travel card with a reasonable annual fee. This card is best for frequent travelers thanks to its unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel, and 1X points on all other purchases.

In this review, we'll dive into the features, benefits, and potential drawbacks of the Wells Fargo Autograph Journey card, helping you determine if it's the right fit for your wallet.

Key takeaway

The Wells Fargo Autograph Journey Card offers great rewards on hotels, airlines, and dining expenses alongside travel protection benefits, making it a valuable tool for those who spend heavily in these categories and want to maximize their travel rewards.

Wells Fargo Autograph Journey℠ Visa® Card

• 5X points back on hotels and other great travel rewards
• Generous welcome bonus
• Annual statement credit for airfare purchases
• No portal that restricts which travel purchases qualify for bonus points
• No foreign transaction fees
• Travel protection benefits
• Rewards primarily focused on travel and dining categories
• No introductory APR period
• $95 annual fee

Key features

• Unlimited 5x points on hotels, 4x points on airlines, 3x  points on other travel and dining, 1x on other purchases
• $50 annual airfare statement credit 

Travel protection benefits 

Benefits and rewards.

The Wells Fargo Autograph Journey Card comes with a generous welcome bonus of 60,000 reward points after spending $4,000 within the first three months. This bonus can be redeemed for travel, gift cards, or statement credits, giving you a head start on earning points. 

One of the most attractive aspects of this card is its unlimited reward structure. Cardholders earn 5X points on hotel bookings, making it an excellent choice for those who frequently stay at hotels. 

The card also offers 4X points on airline purchases, helping you accumulate points quickly when booking flights. For other travel expenses and dining, you'll earn 3X points, while all other purchases earn 1X points.

The Wells Fargo Autograph Journey card costs $95 per year, on par or lower than many other comparable travel credit cards. 

You’ll also get a $50 annual statement credit for any airline booking (with a $50 minimum airline purchase), effectively reducing the annual fee to just $45. This credit can offset the cost of flights, making your travel even more affordable.

Redeeming rewards

The Wells Fargo Autograph Journey card is a flexible travel card, which means you can transfer points to hotel or airline partners.

Co-branded cards often offer 2X-5X points on travel and may restrict which airlines or hotel chains you can use points with. For example, an American Airlines credit card often requires you to board an American Airlines plane to get the maximum points back. 

Unlike other travel cards, you don’t have to use Wells Fargo’s travel portal to earn bonus points when booking travel. For example, you can earn 5X points on travel purchases with the Chase Sapphire Preferred® Card , but you must make those purchases within the Chase Travel℠ portal to earn the bonus points.  

The Wells Fargo Autograph Journey card doesn’t have this type of restriction. Also, unlike many other cards, there’s no cap on the rewards you can earn, says David Shipper, Strategic Advisor at Datos Insights. 

This card offers trip cancellation, reimbursing you up to $15,000 for non-refundable expenses such as lodging, flights, and activities if your trip is canceled for a covered reason. This benefit provides peace of mind when booking travel, knowing you're protected against unforeseen circumstances. 

The Autograph Journey card also offers other travel protections, such as trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver. These benefits can save you money and hassle in travel disruptions or mishaps.

Considerations and downsides

While the Wells Fargo Autograph Journey Card offers impressive rewards, there are a few potential downsides.

The card comes with an annual fee of $95, which may be a deterrent for some (especially when there are plenty of solid no annual fee cards on the market). But, the $50 annual statement credit for airfare effectively reduces the annual fee to $45, making it more manageable. 

“The card comes with a $95 fee, which many consumers will not want to pay. However, that fee is in line with other travel-related credit cards (if not a bit lower) and will more than offset by the card's many bonus features,” Shipper says. 

Another drawback is that the card's rewards are focused primarily on travel and dining. If you don't spend heavily in these categories, you may be unable to maximize the card's rewards. 

Additionally, the redemption options for reward points may be limited compared to other travel cards . While Wells Fargo does have a list of travel partners you can transfer points to at a 1:1 rate, the network is not as diverse or large as other competitors.  

This card also doesn’t have a 0% introductory APR offer, making it not the best choice for those who may carry a balance.

Who is the Wells Fargo Autograph Journey card best for?

The Wells Fargo Autograph Journey Card is an excellent choice for frequent travelers who spend heavily on hotels, airlines, and dining. The lack of limits on your bonus points makes this card especially worthwhile.

But if you spend regularly outside of these categories, this may not be the best card for you. 

You’ll get 1X points back on non-travel and non-dining purchases, but that’s the minimum across the industry. You’re better off using another card for groceries, electronics, gas, and everyday purchases.

Alternatives

The Wells Fargo Autograph Journey card offers many perks for people who like to travel often. However, you should compare credit cards before choosing the right travel card for your finances. Here are some alternatives.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card also offers 60,000 bonus points if you spend $4,000 on purchases within the first three months of opening your account.

The card offers 5X points on travel purchased through Chase’s Travel portal, 2X on other travel purchases, 3X on dining and grocery purchases (excluding Walmart, Target, and wholesale clubs), 3X points on select streaming services, and 1X on all other purchases.

The Sapphire Preferred card has a greater range of spending categories that exceed 1X points back. You’ll also get 25% more value when you redeem your points through the Chase Travel℠ portal. For example, 60,000 points can be valued at up to $750 for qualifying travel expenses. The card has a $95 annual fee.  

Capital One Venture Rewards Card

The Capital One Venture Rewards card offers a straightforward unlimited 2X miles for every dollar you spend. You’ll also earn 5X miles on hotels and rental cars booked through Capital One Travel, all for a $95 annual fee.

The new cardholder offer is 75,000 bonus miles if you spend $4,000 on purchases within the first three months of opening your card. The card comes with travel accident insurance.

The ability to earn unlimited 2X miles on every purchase is a good perk for non-travel spending categories. However, you must use Capital One Travel to book your flights and hotels to receive the maximum bonus miles.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card is a good starter card for those who want to earn travel rewards but don’t want to pay an annual fee.

You can receive unlimited 3X points at restaurants, travel, gas and electric vehicle charging stations, transit, popular streaming services, and phone plans. All other purchases are eligible for 1X points. You can redeem points for travel, gift cards, and cash.

The card doesn’t have as many travel benefits but has some notable perks. You’ll get up to $600 of cell phone protection against theft or damage, 24/7 roadside dispatch, and an auto rental collision damage waiver.

You can earn 20,000 bonus points if you spend $1,000 within the first three months of opening your account, which is worth up to $200 in cash back. 

Citi Premier® Card 

The Citi Premier card has a 60,000 bonus point welcome offer if you spend $4,000 after the first three months of opening your account. This card has a $95 annual fee. You can earn a $100 annual hotel credit if you spend $500 or more, helping you offset the annual cost.

The card offers 3X points back on restaurants, supermarkets, gas stations, air travel, and hotels. You will receive 1X points back on all other purchases. Points do not expire, and there is no limit to how many bonus points you can earn.

For a limited time, you can earn up to 10X points on hotels, car rentals, and attractions (excluding flights) booked through Citi’s travel portal. This promotional offer lasts until June 30, 2024. 

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards card is a straightforward card with no annual or foreign transaction fees. You’ll earn a flat 1.5X points on every purchase. You can also receive 25,000 bonus points if you spend $1,000 within the first 90 days of opening your account.

Unlike the Wells Fargo Autograph Journey card, this card has a 0% introductory APR offer. You’ll get 0% APR for the first 15 billing cycles for purchase. The intro balance transfer fee is 3% for the first 60 days, and this balance transfer fee goes up to 4% after the initial promotion.

Bank of America Preferred Rewards members can earn 25%-75% additional points on every purchase. Your membership level depends on your two-month combined average daily balance across your Bank of America bank accounts.

Outside of that, the card doesn’t have as many perks. It’s good for beginners who want to get started earning travel rewards. However, you may earn more rewards and access additional benefits if you use a card with an annual fee.   

The bottom line

The Wells Fargo Autograph Journey card is a great, flexible choice for travelers with a moderate annual fee. The card also has a generous welcome bonus similar to what you will find with other travel cards.

But it’s important to consider your spending habits and travel preferences when deciding if this card is right for you. If travel and dining aren’t your primary spending categories, you may find more value in alternative cards with different rewards. Its rewards, benefits, and travel protections make this card a solid choice for travelers. 

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.  

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On This Page

• Key takeaways
• Delta Reserve vs. Amex Platinum Welcome bonus
• Delta Reserve vs. Amex Platinum Rewards
• Delta Reserve vs. Amex Platinum Travel perks
• Delta Reserve vs. Amex Platinum Other card benefits
• Delta Reserve vs. Amex Platinum Rates and fees
• Delta Reserve vs. Amex Platinum Eligibility

Should I get the Delta SkyMiles Reserve or Amex Platinum card?

Faq: delta reserve vs. amex platinum.

Delta Reserve vs. Amex Platinum: Platinum Comes Out Ahead

• When comparing The Platinum Card® from American Express vs. Delta SkyMiles® Reserve American Express Card , the Platinum Card comes out on top, as it comes with more benefits than the Reserve.
• Both Delta SkyMiles Reserve and Amex Platinum give you access to Delta Sky Clubs, but they have different limits on the number of visits you can make during each program year.
• The Delta SkyMiles Reserve Card has an annual fee of $650 ( see rates and fees ).
• If you get the Platinum Card® from American Express, you’ll pay an annual fee of $695 ( see rates and fees ).

When comparing the Delta SkyMiles® Reserve American Express Card to The Platinum Card® from American Express, it’s clear that the Amex Platinum offers more benefits. With extra bonus points on flights and hotels, plus credits for travel and entertainment, the Amex Platinum stands out as a versatile and rewarding choice. On the other hand, the Delta SkyMiles Reserve focuses on Delta purchases and may be better for you if you’re a loyal Delta customer.

Let’s explore the differences between these two American Express cards to help you choose the right one for your needs.

When comparing the Delta SkyMiles® Reserve American Express Card vs. The Platinum Card® from American Express , the Platinum card is the clear winner . 

It card gives you extra bonus points on eligible flights and prepaid hotels, plus credits designed to defray the cost of travel and entertainment. In contrast, the Delta SkyMiles Reserve only gives you 3 miles per dollar spent on Delta-operated flights.

Here’s a quick overview of how these American Express cards compare. We’ll explore each of these categories in more detail below.

Delta Reserve vs. Amex Platinum: An overview

Why should I get the Delta SkyMiles® Reserve American Express Card?

You should get the Amex Delta Reserve card if you’re a loyal Delta customer who wants to earn 3 miles per dollar spent on all Delta purchases. This airline card also comes with a free annual companion certificate, making it one of the best travel credit cards on the market. If you use the companion pass to purchase a first-class ticket, you can easily earn more in benefits than you spend on the annual fee.

Why should I get The Platinum Card® from American Express?

You should get the Amex Platinum card if you’re not loyal to a specific airline. Instead of earning 3 miles per dollar on Delta flights, you’ll earn 5 Membership Rewards Points® on all eligible flights booked directly with airlines or via American Express Travel.

Additionally, the Amex Platinum card gives you 5X points on all eligible prepaid hotels, plus statement credits for airline fees, digital entertainment and Walmart+.

Delta Reserve vs. Amex Platinum: Welcome bonus

Each card comes with a generous welcome bonus, but which one is better depends on how much you plan to spend.

If you’re interested in the Delta SkyMiles Reserve, American Express is offering a welcome bonus of 60,000 miles if you spend $5,000 within your first six months of membership.

The Amex Platinum has a welcome offer of 80,000 bonus points if you spend $8,000 within six months of opening your account.

Delta Reserve vs. Amex Platinum: Rewards

When we compared the Delta Reserve card vs. Amex Platinum, we discovered that the Amex Platinum card is better for earning and redeeming awards because it comes with fewer restrictions.

Which is better for earning rewards?

Amex Platinum is the clear winner when it comes to earning rewards. 

Instead of earning miles, you earn Membership Rewards Points at the following rates:

• 5 points per dollar spent on all eligible flights booked directly with airlines or via American Express Travel
• 5 points per dollar spent on all eligible prepaid hotels booked via American Express Travel
• 1 point per dollar spent on all other categories

With the Delta Reserve, you only earn 3 miles per dollar spent on eligible Delta purchases. Otherwise, you earn 1 mile per dollar spent on all other categories.

Which is better for redeeming rewards?

The Amex Platinum is also better for redeeming rewards, as you earn points instead of miles. 

You can redeem these points in the following ways:

• Transfer them to airline or hotel loyalty partners.
• Use them to cover your eligible charges.
• Purchase gift cards.
• Deposit them into your checking account.
• Make reservations with American Express Travel.
• Pay with points at checkout (participating merchants only).

Once you earn miles with the Delta SkyMiles Reserve, you have several redemption options:

• Book a trip through Delta Vacations.
• Book Award Travel.
• Use them to purchase seat upgrades, buy premium drinks in the Delta Sky Club or cover certain Delta fees.
• Purchase a Delta Sky Club membership (only available to Medallion members).
• Book hotels and vacation rentals through Delta Stays.
• Place bids on SkyMiles Experiences.
• Purchase magazine subscriptions.
• Transfer them to someone else.
• Donate the miles to your favorite charity.

The SkyMiles Reserve gives you more redemption options, but most of them are specific to Delta purchases. Therefore, the Amex Platinum gives you more flexibility .

Delta Reserve vs. Amex Platinum: Travel perks

This category has no clear winner, as both cards come with generous travel perks. The right card for you depends on your travel habits.

Airport lounge access

Delta Reserve cardholders get complimentary access to the Delta Sky Club when traveling on a same day Delta flight. Starting February 1, 2025 , access will be limited to 15 days of Sky Club usage per program year (February 1 to January 31). However, you can earn unlimited access if you spend $75,000 per calendar year on your Delta SkyMiles Reserve card.

If you get the Amex Platinum, you’ll receive 10 days of usage per year as a standard benefit, but you can earn unlimited access by spending at least $75,000 per calendar year. To access the Sky Club, you must be traveling on a same-day flight operated by Delta.

Amex Platinum members also have access to Escape Lounges and lounges in the American Express Global Collection®, while Delta Reserve members have access to Escape Lounges and Centurion® Lounges.

In this category, both cards are evenly matched. If you prefer to book with Delta, the Reserve has a slight edge since it gives you five additional days of complimentary Sky Club access each year.

Travel insurance

Both cards come with comprehensive American Express travel insurance benefits. For example, American Express offers coverage for trip cancellations , trip interruptions, lost/damaged baggage and trip delays.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

TSA PreCheck/Global Entry

The Delta SkyMiles Reserve and Amex Platinum cards both come with a statement credit for TSA Pre-Check or Global Entry . The TSA PreCheck is worth $85 and the Global Entry credit is for $100. You can use the Global Entry credit every four years or the TSA PreCheck credit every four and a half years.

In-flight benefits

The Delta Reserve entitles you to 20% back on eligible in-flight purchases, such as snacks, beverages and prepurchased meals. You get this benefit in the form of a statement credit. 

With the Amex Platinum, you have the opportunity to earn up to $200 in statement credits per year for incidental airline fees charged to your card. To use this benefit, you must choose a qualifying airline ahead of time.

For this category, the Delta Reserve is better if you always book your flights with Delta. The Amex Platinum is better if you’d rather use another airline.

Annual companion pass

When comparing the Delta SkyMiles Reserve vs. Amex Platinum, the Reserve card comes with a significant benefit that the Amex Platinum doesn’t have: the annual companion pass. Every time your card renews, you’ll receive a companion certificate, which entitles you to one free flight for a travel companion.

The companion certificate is only good for certain fare codes, but you can use it to book a seat in Main Cabin, Comfort+® or First Class. Note that you must choose a destination in the United States, Central America or the Caribbean.

Priority boarding

If you get the Delta Reserve, you’ll be able to board with the Main Cabin 1 group on all Delta-operated flights. The Amex Platinum doesn’t give you access to priority boarding, so the Reserve is the clear winner here.

Checked bags

As a Delta Reserve member, you can check your first bag for free if you book a Delta flight with your eligible card. You don’t get free checked bags with the Amex Platinum.

Hotel credit

In addition to giving you 5 points per dollar spent on eligible hotel stays, the Amex Platinum comes with an annual hotel credit worth up to $200 per calendar year. To earn the credit, simply book a prepaid hotel stay with The Hotel Collection® or Fine Hotels and Resorts®. You must book through American Express travel and use your Platinum Card to cover the charge. (Note: The Hotel Collection requires a minimum two-night stay)

Delta Reserve vs. Amex Platinum: Other card benefits

When comparing the Amex Platinum vs. Delta Reserve, we also looked at non-travel card benefits. Based on our research, the Amex Platinum is one of the best credit cards on the market, as it gives you multiple ways to earn bonus points and statement credits.

Here’s what you get with each card:

Ridesharing credits:

The Amex Platinum entitles you to $15 per month in Uber Cash. plus a bonus $20 in December (up to $200 per year). If you get the Delta Reserve, you’ll have the opportunity to earn up to $10 in statement credits each month ($120 per year) for Curb, Revel, Alto, Lyft and Uber rides.

Amex Offers:

Both cards give you access to Amex Offers, which give you statement credits and other bonuses when you add offers to your account and redeem them before they expire.

Purchase Protection:

The Delta Reserve and Amex Platinum protect eligible purchases for 90 days from the original purchase date. This benefit reimburses you up to $10,000 per occurrence ($50,000 per calendar year) for lost, stolen or accidentally damaged items.

Warranty protection:

Both cards also come with warranty protection. This benefit gives you an extra year of warranty coverage on eligible items. Note that you can only use this benefit on items that have an original manufacturer’s warranty of no more than five years. You must use your Delta Reserve or Amex Platinum to pay for the purchase.

Digital entertainment:

If you get the Amex Platinum, you have the opportunity to earn up to $20 per month ($240 per year) in statement credits on Peacock, The Wall Street Journal, Disney+, Hulu, ESPN+, SiriusXM and The New York Times purchases (Enrollment required). The Delta Reserve card doesn’t have a digital entertainment benefit.

Walmart+ credit:

If you use your Amex Platinum to pay for a monthly Walmart+ membership, you’ll earn a monthly statement credit to cover the cost. This benefit is worth approximately $155 per year. The Delta Reserve card doesn’t have a Walmart+ benefit.

Equinox credit:

If you use your Amex Platinum to pay for an Equinox club membership or an Equinox+ subscription, you’ll earn up to $300 per year in statement credit (Enrollment required). The Delta Reserve doesn’t come with an Equinox benefit.

Delta Reserve vs. Amex Platinum: Rates and fees

Since they’re both American Express cards , the Delta Reserve and Amex Platinum have comparable rates and fees. Once the annual fee for the Delta Reserve increases on May 1, 2024, the Amex Platinum will only cost $45 more per year. 

Both cards have the same cash advance fees, cash advance APR and foreign transaction fees ($0). The Amex Platinum has a slight edge in terms of authorized user fees, and it also has a slightly lower cap on regular APR.

Delta Reserve vs. Amex Platinum: Eligibility

Both cards are reserved for consumers with good to excellent credit scores . Therefore, one isn’t any harder to get than the other, provided you meet the minimum income and credit requirements.

The Delta Reserve is a good fit for consumers who fly Delta regularly and want to maximize their Delta-related benefits.

The Amex Platinum is a better fit for people who aren’t loyal to Delta and would rather focus on earning points and statement credits based on their typical spending habits. If you get the Amex Platinum, you can easily earn back the fee by using the full Equinox, Walmart+, Uber and digital entertainment credits each year.

Featured offers

Delta skymiles reserve american express card®, the platinum card® from american express, is the delta skymiles reserve card better than platinum.

It depends on your needs. The Delta SkyMiles Reserve is the better choice if you want to maximize your Delta travel benefits. If you use multiple airlines, the Amex Platinum is probably a better fit. Although it has a higher annual fee, the Platinum Card gives you 5X points on all eligible flights and prepaid hotel stays.

When should I use Amex Platinum over Delta Reserve?

You should use the Amex Platinum instead of the Delta Reserve if you don’t spend enough on Delta purchases to justify the annual fee for the Reserve card.

Does Amex Platinum give you Delta lounge access?

Yes, Amex Platinum members qualify for unlimited Sky Club Access through January 31, 2025. Starting on February 1, 2025, you’ll receive 10 visits per year as a standard benefit. You can earn unlimited access if you spend $75,000 or more on your Amex Platinum each calendar year.

Is Delta Reserve or Amex Platinum harder to get?

The Delta Reserve and Amex Platinum are for consumers with good to excellent credit scores, so your chances of approval are about the same for both.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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