If you want to greatly cut the cost of your next vacation, getting great travel credit cards is your best bet. One big reason why I like travel rewards cards is because they reward you in miles, points or cash for every dollar you spend on everyday purchases, which means you rack up rewards very rapidly. These credit cards also give you special travel perks, such as travel insurance, free check-in of your first bag, access to VIP airport lounges or hotel room upgrades.
Because credit card issuers frequently change their travel card promotions, it can be a challenge for you to find the right travel card for yourself. To help you cut through the fine print and mass of offers, I’ve compiled a list of the best travel credit cards that offer the most attractive rewards out there. You need very good to excellent credit score for these cards.
Chase Sapphire Preferred Card. Receive 40,000 points after spending $3,000 during the first 3 months, worth up to $500 in travel bookings through Ultimate Rewards. Earn 5,000 bonus points after adding an authorized user to your account and making a purchase within the first 3 months of card membership. Earn 2 points for every $1 spent on travel and dining at restaurants, and 1 point per $1 for every other purchase. Receive 7% annual bonus points on the points you earned during the year. No foreign transaction fee. $95 annual fee waived the first year. Read review of Chase Sapphire Preferred Card here.
Gold Delta SkyMiles Credit Card from American Express. This card issued by American Express gives you 30,000 bonus miles when spending $1,000 in the first 3 months, and 5,000 miles when adding two more card members to your account. Earn 2 miles for every $1 spent on Delta airfare purchases and 1 mile for every $1 spent on all other purchases. Miles never expire. First checked bag is free, for up to nine people on your reservation. $95 annual fee. Read review of American Express Delta here.
United MileagePlus Explorer. This card issued by JPMorgan Chase gives you 30,000 bonus miles when you spend $1,000 in the first 3 months. Earn 2 miles for every $1 spent on tickets from United Airlines, and 1 mile for every $1 spent on all other purchases. Earn unlimited miles that never expire. Get 10,000 bonus miles when you spend more than $25,000 yearly. You will qualify and receive 5,000 bonus miles after your first purchase and addition of an authorized user to your account; both must occur during the first 3 months from account opening. Miles can be redeemed for airfare, hotel stays or auto rentals. Enjoy 2 annual complimentary lounge passes to the United’s lounge. First bag checked-in is free. No foreign transaction fees. $0 introductory annual fee, after that a $95 annual fee. Read review of United card here.
Chase Sapphire. Earn 10,000 bonus points after spending $500 during the first 3 months. Earn 2 points for every $1 spent on airfare and hotels booked through Ultimate Rewards and 1 point for each $1 spent on all other purchases. No limit to how many points you can earn. Points never expire. No annual fee. Read review of Chase Sapphire here.
Blue Sky from American Express. Receive 7,500 points when you spend $1,000 in the first 3 months. Earn 1 point for every dollar you spend. Points are worth 33% more than on other travel credit cards. Earn unlimited points that never expire. No blackout dates or restrictions when redeeming your points for airfare, hotel accommodations or car rentals. Enjoy 0% APR on purchases and balance transfers for the first 15 months, and 17.24%-22.24% variable APR thereafter. You can choose to pay your bill over a period of time. No annual fee. Read review of American Express Blue Sky here.
Starwood Preferred Guest Credit Card from American Express. Receive 10,000 points after making your first purchase with this card, and 15,000 points after spending $5,000 in 6 months. These 25,000 points can be redeemed for a weekend at a category 4 hotel. Earn up to 5 points for every $1 spent on Starwood purchases, and 1 point for every $1 spent on everything else. No blackout dates when redeeming your points. No introductory annual fee the first year, a savings of $65. Read review of Starwood Preferred Guest here.
Citi Hilton HHonors Visa Signature Card. Receive 40,000 bonus points when you spend $1,000 during the first 4 months. Earn 6 points for every $1 you spend on participating Hilton hotels around the world, 3 points for every $1 you spend on gas stations, supermarkets and drugstores; and 2 points for every $1 you spend on all other purchases. You also have the option of purchasing bonus points if you’re short of points in order to redeem them. For every 1,000 points you purchase, you only have to pay $10. Enjoy HHonors Silver status when staying at Hilton 4 times or 10 nights yearly. No annual fee. Read review of Hilton Rewards here.
Citi® Platinum Select® / AAdvantage® World MasterCard®. Receive 30,000 bonus miles when you spend $1,000 in the first 3 months, which you can redeem for a round trip flight in the US. Earn 2 miles per dollar spent on American Airlines purchases and 1 mile for every dollar you spend on other purchases. Earn $100 American Airlines Flight Discount each year that you spend $30,000 or more in purchases and renew your card membership. Get 10% extra miles on the miles you redeem each month, up to 10,000 bonus miles each year. $95 annual fee, waived for first 12 months. Read review of Citi AAdvantage MasterCard here.
Marriott Rewards Premier Credit Card. This hotel credit card rewards you with 50,000 bonus points when you spend $1,000 in the first 3 months. You will also earn 5 points per dollar spent at Marriott locations, 2 points on airline, dining and car rental purchases, and 1 point for every other dollar you spend. Enjoy unlimited miles. You will also earn 1 free travel e-certificate. $85 annual fee waived the first year. Read our review of Marriott Rewards Premier here.
Travel Credit Card Tips
Travel rewards cards, hotel credit cards and airline credit cards let you earn reward points or air miles whenever you spend on them, and these points or miles can be accumulated towards free flights, hotel nights, car rentals, cruises and other merchandise. If you are a frequent flyer who is not so particular about which airline to fly with or which hotel to stay at, it may be a smarter choice to get a general travel credit card such as Chase Sapphire Preferred, since all of the miles or points you earn can be redeemed towards any airline of your choice. On the other hand, if you tend to fly with a particular airline such as United, Delta or Southwest, it is better to get specific airline credit cards since they come with many travel benefits such as free check-in for the first bag. Travel credit cards have generally flexible reward redemption options, which may let you redeem your miles or points for merchandise, gift cards, hotel stays and others.
All travel cards vary in their rewards programs, and have their own point system. Generally, you can expect 1 or 2 points for every dollar spent on these cards. Many cards listed on this page let you earn bonus points or miles when you spend a certain amount after getting your card. Some cards also don’t impose any foreign transaction fees and/or annual fees.
Many of these cards tend to charge higher interest rates compared to other types of credit cards, so you should always pay your balance in full by the due date each month so as to avoid paying any interest. Use your card wisely, and you will be richly rewarded!