By helping you earn miles or points toward airfare, hotel stays, and more, travel rewards cards can be a great way to make your next trip more affordable. Whether you're a frequent business traveler wanting elite perks or a family looking to save, you should be able to find a travel rewards card that's right for you.
How to Choose a Travel Credit Card
Looking for a new travel credit card?
You have our sympathy. There is simply WAY too many offers to choose from now.
But how do you find the right one for you?
It turns out, you can narrow down your search dramatically by deciding which one of the bottom links matter the most to you:
Here's the deal: If you spend over $1,334 per month on your credit card, consider the Chase Sapphire Preferred. Chase Sapphire Preferred currently offers 40,000 bonus points after you spend $4,000 in the first 3 months from account opening (worth $500 toward travel rewards when you redeem through Chase Ultimate Rewards). There is a $95 annual fee ($0 introductory annual fee for the first year).
Is it worth the $95 annual fee? Read our review of the Chase Sapphire Preferred here.
Earn Rewards for Travel
Also consider how you would like to book your reward travel: some cards require you to book through the card issuer’s website, while others have more flexible options. Be sure to review the card's terms and conditions to see whether it has blackout dates or other restrictions on redeeming points.
Most travel and airline credit cards require very good to excellent credit to apply. Like most rewards cards, travel and airline credit card offers tend to charge higher interest rates compared to other types of credit cards, so if you don't plan on paying your balance in full each month, consider a low interest credit card instead.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.
Travel Rewards Benefits
Travel rewards credit cards not only help you save money on expenses, such as flights and hotel rooms, they also usually offers points (or miles) that can be redeemed toward other discounts or benefits. A travel-focused credit card might also provide additional benefits when it is used to pay for travel expenses.
The majority of travel rewards credit cards work like regular rewards cards, with cardholders earning a certain number of points for each dollar spent on purchases using the card. The difference is that cards focused on travel rewards usually offer bonuses, either when you use them to pay for travel-related expenses, or when you redeem points for travel savings. Some examples may include:
A Focus on Business
Many credit cards aimed at businesspeople also emphasize travel rewards, as work-related travel remains common despite today’s challenging economy:
Some cards bear the name of a travel-related company, such as an airline or hotel chain, and provide even better bonuses for purchases at that particular business. Potential perks include:
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