The Best Travel Rewards Credit Cards

Are you a frequent flyer, hotel regular or just now looking to explore the world? Explore our in-depth guide to find the card with the best travel benefits so you can look ahead to you next adventure.

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The Best Travel Rewards Credit Cards

Whether you're traveling for work, vacationing with family, or setting off on a solo adventure, getting away can be exciting — but also expensive.

The best travel rewards credit cards will not only reward you for the money you spend while traveling, but they can also help you earn points on everyday purchases that can be redeemed for travel.

Free flights, upgrades, and hotel stays just from responsibly using your credit card are what make these travel reward cards so wonderful.

But if you're not careful, you could end up with a travel rewards card that accrues miles so slowly you might start to wonder if you'll ever get to pack your bags.

Stories also abound of people accruing thousands of points only to discover that those points expired or that they could only be exchanged for limited benefits.

Or, worse, you could end up paying more in fees than you actually earn in rewards.

There's no single travel rewards card that's "the best" for everyone, but there are a few cards that offer a great mix of low fees, fast rewards, and useful perks.

We've researched the best travel rewards credit cards to find the top four cards for savvy travelers.

Four Things to Consider

Ask yourself these questions when choosing a travel rewards credit card

First things first: You may be wondering whether you should choose a flexible travel rewards credit card or stick with a branded airline credit card or hotel credit card. Here are a few questions to ask yourself before you decide.

Do you travel often? Travel rewards cards typically offer the strongest rewards when you redeem them for travel purchases. Therefore, frequent travelers will get the most out of their rewards card.

How Often Do Americans Travel By Air For Leisure Trips? (2017)

Are you a big spender? Some of the most well-known cards in this category, like the Chase Sapphire Reserve and the American Express Platinum card, charge hefty annual fees to match.

For big spenders and jet-setters, those fees are worth it — but for the average consumer, a card with lower fees will likely be a better choice.

Are you a road tripper? While tolls and parking garages typically qualify as travel expenses, gas doesn't — so your biggest travel expense, you may be better off looking into the best gas credit cards.

Is flexibility important to you? The biggest benefit of a travel rewards credit card is flexibility — you can redeem your rewards for a statement credit against any travel purchase, so you're not limited to one airline or hotel brand.

What, exactly, are "travel expenses"? Airfare, hotel rooms, taxis, vacation house rentals, and car rentals qualify.

You may be wondering whether any money spent overseas would also qualify, but the answer is no — only purchases that are categorized by the credit card issuer as "travel" will qualify.

For example, if you grab lunch at a café in Paris on vacation, that would still be categorized as "dining" on your travel rewards credit card.

(If you're making a purchase overseas, use an online currency converter to find out how many points you'll earn.)

Check the Fees!

Save more money by choosing a travel rewards card with low fees

A travel rewards card is a great way to save money on future trips — but if you're not careful, you can get blindsided with high fees from the credit card issuer that actually cost you money.

Here's what you need to look out for.

Watch for high-interest rates. Big sign-up bonuses, bonus miles, and fast rewards are important, but don't overlook the APR. If it's high and you carry a balance, you could quickly cancel out any rewards you earn.

Don't pay for overseas purchases. If you're a frequent traveler, you don't want a card that charges a foreign transaction fee when you use it outside the U.S. Otherwise, you could end up spending more on those transaction fees than you earn in rewards.

Make sure you can cover the annual fee. For example, if you choose a card that offers 2% rewards but charges a $95 annual fee, you'll need to spend at least $4,750 in a year to earn that $95 back in rewards — so if you're not a big spender, look for a card with no annual fee.

The American Express Platinum card may be one of the best travel credit cards for big spenders — but the annual fee may be too steep for the average traveler to recoup easily, which is why we didn't include it on this particular list.

The Rewards

The best travel cards make it easy to earn and redeem points

The four travel rewards credit cards on our list take the stress and hassle out of earning and redeeming rewards, so you won't feel like you're solving a complicated math problem every time you try to book a free night in a hotel room.

Earning rewards should be easy. If you've ever signed up for a rewards card that offers complicated rewards like "double points on dining purchases on the second Thursday of every month that ends in ‘y'," then you know how frustrating that can be.

The best travel rewards cards have a simple earning structure, so you know exactly how much you're earning every time you swipe your card.

Rewards should rack up fast. Especially if there's an annual fee, you want to be able to earn rewards fast enough to get a few freebies each year.

After all, what's the fun in having a rewards card if you're not getting any rewards?

Rewards should outpace the fees. Don't just look at how many points or miles you'll earn per dollar — consider whether those rewards add up enough to offset the annual fee.

Again, that's why cards like the American Express Platinum card or Chase Sapphire Reserve may not be the best pick for someone on a budget.

Even at three points per dollar you'd need to spend $15,000 just to offset a $450 annual fee.

Flexible redemption is key.The best travel rewards cards let you earn free flights and free nights without having to worry about blackout dates and other exclusions.

These reward cards make it easy to turn everyday purchases into once-in-a-lifetime travel experiences.

Chase Sapphire Preferred

This is the best air miles card for a card that's not really an air miles card

Looking for this card? Apply now

If you fly often, you may assume that an airline credit card would be the best type of rewards credit card for you.

But the Chase Sapphire Preferred credit card may actually be your best bet for earning and redeeming free flights.

Earn a ton of points right off the bat

No slow-and-steady earning here — frequent travelers will earn points quickly.

The sign-up bonus is hard to beat..

Points go further when redeemed for travel. The Chase Sapphire Preferred offers a bonus when you redeem points for travel.

Affordable annual fee. There's a reason we featured this card instead of the Chase Sapphire Reserve.

While the Chase Sapphire Reserve is also an excellent option in the travel rewards category, the annual fee is a bit high for many customers.

The Chase Sapphire Preferred card accrues points at a slightly slower rate, but the lowwer annual fee is easier on the wallet.

The Chase Sapphire Preferred offers extra convenience for air travelers

Think of the Chase Sapphire Preferred as the air miles card for people who aren't loyal to one specific airline. It offers several great perks for frequent flyers:

Redeem points anywhere. Did you spot an amazing deal for a $75 round-trip flight? Go ahead and book it.

Points-to-miles transfer. Cardholders who fly often love this feature — you can exchange your Chase rewards points for airline miles in several airline loyalty programs, including Southwest Rapid Rewards and United MileagePlus.

Earn freebies faster. Need a few extra miles for a free flight through your loyalty program? No need to wait until your next flight to earn miles — use your Chase Sapphire Preferred for everyday purchases, and then transfer the points.

Rewards are easy to redeem. The Chase Ultimate Rewards program is clear-cut and easy to navigate.

If you don't travel often, you may be underwhelmed.

Keep in mind you'll earn the most points when you spend in the travel and dining categories.

Sign up before your next vacation. Since you earn bonus points on travel purchases, the best time to apply for a Chase Sapphire Preferred card is before you book a trip.

Reconsider if you don't travel much. If you only travel once or twice a year, you may feel like you're spending way too much time (and money!) stuck in the one-point-per-dollar bracket. If that's the case, you may be happier with a card that has a more generous across-the-board earn rate.

Capital One Venture

The best credit card for stress-free travel

The Capital One Venture credit card is another standout option when you want easy rewards and flexible redemption — and you'll also enjoy a few extra travel perks.

Earn double miles on everyday purchases

Spend more, earn more. There's no limit to how many double miles you can earn, which is great news if you use your credit card for everything.

Save money on your next trip. Apply for a Capital One Venture card before you book, and charge any travel expenses to the card. Once you hit the spending threshold, you can use your sign-up bonus to get a statement credit for those expenses.

Get the added security of Visa Signature travel benefits

Frequent travelers appreciate the extra protection — and peace of mind — they get from the Capital One Venture credit card's built-in benefits.

Get travel help. Capital One Venture cardholders get complimentary 24-hour concierge service.

Get insured. If you book your car rental using your Capital One Venture credit card, you'll be covered in the event of collision or theft. Visa Signature benefits also include travel accident insurance in case you're injured while traveling.

Get protected. If your card is lost or stolen while you're traveling, Visa will issue an emergency replacement card and a cash advance.

Again, the "miles" aren't really miles

The same rules apply here as for the Barclaycard above — you can't transfer your Capital One Venture miles directly to an airline, but they can be redeemed as a statement credit towards any travel purchase — including airfare on any airline.

But in the end, that just means even more flexibility for redeeming your rewards.

Discover it Miles

If you want to travel and earn miles, but you're still building credit, this is the card for you

Looking for this card? Apply now

If you're not sure if a travel rewards card is right for you, this is a low-risk way to find out — and, even better, you don't need impeccable credit to get approved.

Earn extra points during your first year

If earning travel rewards from your credit card purchases is new to you, the Discover it Miles credit card can start you off on the right foot.

Here are a few things that make it an appealing option.

Simple earning structure.

There's no annual fee.

Points are matched the first year.

Get a low intro APR.

Transfer balances from high-interest cards.

The Discover it Miles card can help you build credit

Many of the top travel rewards credit cards require "Good" to "Excellent" credit scores to qualify. But if you're still building or repairing your credit history, there are ways the Discover it Miles credit card can help you get on the road to better credit.

Challenges Cardholders Face In Using Travel Rewards Program (2017)

Easy to qualify. According to MileCards.com, as long as your credit score is 600 or higher, you have a chance of qualifying.

Track your score. Discover offers free access to your FICO Score. You can view your score on your monthly statement, the Discover website, or on the mobile app.

Protect your credit. Discover will also monitor every purchase for suspicious activity. And if your card gets lost or stolen, you can simply freeze your account to prevent fraudulent purchases.

Other travel rewards credit cards will offer faster earn rates

While the Discover it Miles card is a great option for those who don't qualify for a more premium travel rewards card — or just don't want to pay an annual fee — its earn rate won't exactly "wow" you.

One rate to rule them all. The simple earning structure means there's no opportunity to rack up bonus points.

Low spending limits. The accessibility of this card is appealing if your credit score is good but not great, but some users complain about low spending limits.

Sign up before a big purchase. Since there's no sign-up bonus, your best bet for earning miles quickly is to take advantage of introductory offer by signing up for the Discover it Miles card before you make a high-dollar purchase, like a home repair or a vacation.

Southwest Rapid Rewards Premier Business

If you're looking for a travel rewards credit card and you travel for business domestically, this card is a viable option.

Looking for this card? Apply now

In general, a flexible travel rewards card is likely to earn rewards faster and give you more options for redeeming them.

However, if you fly often for work — and you do most of your traveling within the United States — you may want to consider the Southwest Rapid Rewards Premier Business credit card.

The business perks for this card separate it from the standard version in a big way.

Earn points for your business expenses

Get rewarded for business travel.

Earn money when your employees spend. Want to earn points faster? Get employees their own travel rewards cards at no additional cost, and earn points on their purchases too.

Enjoy rewards right away.

Enjoy member perks when you travel on Southwest Airlines

Southwest Rapid Rewards Premier Business credit cardholders get special treatment when they fly on Southwest Airlines.

Look elsewhere for lounges. Unlike some frequent flyer programs and travel reward cards, Southwest does not offer free airport lounge access.

We think the other perks outweigh this, but if airport lounge access is a must-have for you, consider shopping around for another travel rewards card.

The Southwest Rapid Rewards Premier credit card has an annual fee. If you fly on Southwest often, it should be relatively easy to recoup this fee.

Gauge your Southwest loyalty. Before you apply for a Southwest Rapid Rewards Premier Business credit card, consider how much domestic travel you plan to do this year.

If you don't expect to fly Southwest often, you'll likely be happier with a more flexible travel rewards card.

Most Traveled Domestic Air Routes

With the right travel rewards card, today's purchases can pay for tomorrow's vacation

From bargain hunters to luxury jet-setters there are all types of travelers, so it only makes sense that there's a lot of variety when it comes to travel rewards credit cards.

When you're choosing the best travel credit card, think about how often you travel and where you spend the most money each month — then choose a travel rewards credit card that'll turn those purchases into points you can use for a much-deserved getaway.

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