Travel Rewards Credit Cards

How to Choose a Travel Credit Card

Looking for a new travel credit card?

You have our sympathy. There are simply WAY too many out there to choose from now.

So, how do you find the right card for you?

Narrow down your search dramatically by deciding what features matter the most to you.

Here is a list of the 5 travel credit cards you should not ignore. We'll go into detail about these in this article:

While the bonus offer, annual fee, and rewards structure are all important factors, there's one thing that's more important - your overall travel goal. You need a credit card that will give you rewards you can actually use. In other words, don't get a hotel card if you rarely stay in hotels.

Here are some questions to ask yourself when considering different cards:

• Do you want free flights and hotel rooms? If you want to earn award flights, the best cards to get are ones that allow you to transfer points to airline partners. If you're looking for free hotel rooms, hotel cards are a no brainer.

• Do you prefer a certain airline or hotel? A card that's co-branded with your preferred airline or hotel chain will usually give you extra perks.

  For example, Delta SkyMiles Gold lets you check your first bag free on Delta flights.

• Are you willing to play the miles game? You can often reap the most value out of your points by transferring them to airline partners, such as with the Chase Sapphire Preferred. If you'd rather not deal with the airline miles transfer game, though, you might appreciate the simplicity of a card like the Capital One Venture.

Travel Credit Card Promotions for October 2020

We've put together an up-to-date list of the top credit card promotions out there for this month. Check it out and hopefully you'll be able to find the right card to suit your needs.

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Travel Card with a Sign-Up Bonus: Chase Sapphire Preferred

• If you spend over $1,334 per month on your credit card, consider this: Chase Sapphire Preferred lets you earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®. This card lets you earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.

  Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.

• Travel purchases include airfare, hotels, cruises, rental cars, and train tickets. Restaurants include fast food.

• Chase transfer partners include:
  • Airlines such as United, Southwest, JetBlue, British Airways, Virgin Atlantic, and Singapore Airlines
    
  • Hotels such as Marriott, Hyatt, IHG, and the Ritz-Carlton

This card is a good fit if you want a hot deal or you plan to transfer points to one of Chase's airline or hotel partners. Plus, travelers will appreciate the following benefits: $0 foreign transaction fees, wide-ranging Visa acceptance, primary auto rental collision damage waiver, trip cancellation/trip interruption insurance, trip delay reimbursement, and baggage delay insurance

So, is it really worth the annual fee? Read our review of the Chase Sapphire Preferred before you apply to see why we think so.

Travel Card for Big Spenders: Capital One Venture

• Capital One Venture offers 100,000 bonus miles when you spend $20,000 on purchases within the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. This card earns 2x miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee.

This card is a good fit if you want a travel rewards card that's simple to use. Rewards are redeemed for statement credit toward travel-related expenses, including airfare and hotel stays, with no seat restrictions or blackout dates.

Travel Card for Ultra-Premium Travel Benefits: American Express Platinum

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• The Platinum Card from American Express, a CreditDonkey partner, offers 60,000 bonus points if you spend $5,000 on purchases in the first three months.

• With Global Lounge Collection, you get complimentary access to five airport lounge networks: Delta Sky Club, Centurion Lounges, Priority Pass Select, The International American Express Lounges, and Airspace Lounges.

  Enrollment is required for Priority Pass Select. When you enroll in Priority Pass Select, you can access over 950 participating airport lounges worldwide.

• You earn Membership Rewards points, which you can transfer to over a dozen frequent traveler programs.
  
  • Airline transfer partners include Delta, Hawaiian, and JetBlue.
    
  • Hotel transfer partners include Hilton and Best Western.

This card is a good fit if you travel frequently and want Platinum benefits such as Platinum Concierge Service and access to select airport lounges. Keep in mind, the travel-friendly benefits come at a price. There is a $550 annual fee (See Rates & Fees).

Is the Platinum Card worth it? Read our Platinum Card review to help you decide.

Vacation Credit Cards

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The right travel card for you will depend on how much you spend per month:

• If you spend over $1,000/month:
  Capital One Venture offers 100,000 bonus miles when you spend $20,000 on purchases within the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. This card earns 2x miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee.

• If you spend over $334/month:
  Capital One® VentureOne® Rewards Credit Card offers a one-time bonus of 20,000 miles if you spend $1,000 on purchases within three months of account opening. 20,000 miles is equal to $200 in travel. This card earns 1.25 miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There is a 0% intro APR on purchases for 12 months. After that, a variable APR, currently 15.49% to 25.49%. There are no foreign transaction fees. There is no annual fee.

Travel Credit Cards with No Annual Fee

• If you are domestic traveler:
  Discover it Miles will match all the miles you've earned at the end of your first year. This offer is limited to new cardmembers only. This card earns 1.5x miles on all purchases and has no annual fee.

• If you are a Bank of America customer:
  Bank of America Travel Rewards offers 25,000 online bonus points if you spend at least $1,000 on purchases within the first 90 days of opening your account. 25,000 points is worth a $250 statement credit toward travel purchases. This card earns 1.5 points per $1 spent on all purchases. You can redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, car rentals, or baggage fees. There are no foreign transaction fees. There is no annual fee.

Airline Credit Cards

• If you like to fly Delta:
  Delta SkyMiles Gold offers 50,000 bonus miles after you spend $2,000 in purchases within your first 3 months. This offer expires 10/28/2020. This card earns 2x miles on Delta purchases, at restaurants worldwide (including takeout and delivery), and at U.S. supermarkets. Earn 1x mile on all other eligible purchases. There is a $99 annual fee ($0 introductory annual fee for the first year) (See Rates & Fees).

  If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Terms apply.

  Did you know: One-way award tickets for domestic travel within the continental US and to Alaska and Canada start at 10,000 miles (plus taxes and fees).
  

  To learn more, read our Delta credit card review.

• If you like to fly American Airlines:
  Citi AAdvantage offers 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in purchases within the first 3 months of account opening. Plus, you earn a $125 AA Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.

  This card earns 2 miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. This card lets you enjoy preferred boarding on American Airline domestic flights. You also get the first checked bag free on domestic AA itineraries for you (and up to 4 companions traveling with you on the same reservation). There is a $99 annual fee (waived for the first 12 months).

• If you spend over $700/month on airfare:
  American Express Gold earns 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. This card earns 4x points at restaurants worldwide. 4x points at U.S. supermarkets (on up to $25,000/calendar year in purchases, then 1x). 3x points on flights booked directly with airlines or on amextravel.com. You can earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations (enrollment required). There is a $250 annual fee (See Rates & Fees).

  This card includes benefits for travelers: There is no foreign transaction fee (See Rates & Fees) and a $100 airline fee credit to cover up to $100 per calendar year in incidental fees (such as baggage fees) at one selected qualifying airline. Terms apply.

Hotel Credit Cards

• 
  Hilton Honors Surpass offers 130,000 Bonus Points after you spend $2,000 on purchases within the first 3 months of opening your new card account. You earn a Weekend Night Reward after you spend $15,000 on purchases on your card in a calendar year. You earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases spent directly at a hotel or resort within the Hilton portfolio. You earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. For all other eligible purchases, you earn 3X Hilton Honors Bonus Points. If you spend $40,000 on eligible purchases in a calendar year, you earn Hilton Honors Diamond status through the end of the next calendar year. There is a $95 annual fee (See Rates & Fees). Terms apply.

Business Travel

• Ink Business Preferred lets you earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. 100,000 points is worth $1,250 toward travel when you redeem via Chase Ultimate Rewards. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn. There are no foreign transaction fees. There is a $95 annual fee.

• If your business spends over $6,667/month:
  American Express Business Platinum offers 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership. You get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Earn an extra half point per dollar on each eligible purchase of $5,000 or more (up to 1 million additional points per year). Earn 1 point per dollar for qualifying purchases under $5,000. You can use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back (up to 500,000 bonus points per calendar year) when you book on amextravel.com. There is a $595 annual fee.

  This card has premium benefits for travelers: The card includes access to the Global Lounge Collection, which gives you complimentary access to over 1,000 airport lounges worldwide. That includes Delta Sky Club, The Centurion lounge network, The International American Express lounges, Priority Pass Select lounges (enrollment required), and Airspace Lounge. In addition, you can enroll your card with Gogo to get 10 Gogo inflight internet passes annually. Terms Apply.

  Related: How Much Are Membership Rewards Worth
  

Wait, There's More Than Just Travel Rewards to Consider

• International Travel: For overseas travelers, consider using a credit card with no foreign transaction fee to help save money while traveling abroad. Most credit cards have a foreign transaction fee of 3%, which applies to all purchases you make while overseas.

• Airline: If airfare is your biggest concern, look for an airline credit card to help you earn free flights. Several of these cards include great introductory deals such as bonus miles toward free flights or special perks such as free checked baggage.

• Hotel: To save on hotel expenses, consider applying for a hotel credit card promotion. Special offers may include bonus hotel points toward free hotel stays.

• Gas: A gas credit card can help stretch your budget. Read our guide to see how using credit cards can help drivers save money.

• Redeeming Points: Some travel rewards cards give you airline miles or hotel points with certain companies' frequent traveler programs, such as United MileagePlus or Hilton Honors. Other cards give you points that you can use only with the credit card issuer's reward program.

  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.

Terms and conditions apply.

Editorial Note: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

For rates and fees of the American Express Platinum card, please click here.
For rates and fees of the Delta SkyMiles Gold card, please click here.
For rates and fees of the American Express Gold card, please click here.
For rates and fees of the Hilton Honors Surpass card, please click here.

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card, The Business Platinum Card® from American Express, Bank of America® Travel Rewards credit card, Capital One® VentureOne® Rewards Credit Card, Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, and Discover it® Miles has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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:

• Some cards let you earn double or even triple points or cash back for each dollar spent on airfare or hotel stays.

• Other possibilities include receiving credits to cover incidentals such as baggage fees, access to special lounges at airports, or concierge services to help trip planning.

• Some programs may require fewer points to redeem award flights or hotel stays, particularly if you book through the card issuer’s travel website.

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:

• You may be able to receive a discounted companion airplane ticket when purchasing one at a high enough fare rate.

• You may also be able to easily transfer points and miles between your credit card and particular frequent flyer programs.

• Other benefits can be perfect for business travelers, including reduction or elimination of foreign transaction fees and additional car rental insurance.

Corporate Tie-ins

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:

• Some cardholders may be able to take advantage of special benefits or avoid certain fees when booking with the selected airline or hotel chain, in addition to earning bonus points or miles.

• Blackout dates or other restrictions may not apply when booking with the appropriate card.

• Just remember to be aware that some of the benefits of these cards are only awarded at the particular company’s properties or flights.