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The Pros and Cons of Booking Through Online Travel Agencies

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You’re likely already familiar with online travel agencies, even if you don’t travel often. These companies — such as Priceline , Expedia and Orbitz — act as intermediaries between you and a travel provider.

Booking your travel through an OTA can be a good idea in some circumstances, but you’ll want to be wary of its pitfalls. Let’s take a look at the pros and cons of online travel agencies, so you’ll know what to use to book your next vacation.

Pros of booking through online travel agencies

There are certainly advantages booking through online travel agencies, though you’ll find different experiences whether you’re using public OTAs — such as Kayak — or private ones like those offered by your card issuer, such as the Chase's travel portal .

✅ It may be cheaper

When searching for flights online, you may see different prices for the same routes that vary across websites. Although it may be a result of fare type — for example, some search results may not clarify that a fare is basic economy rather than main cabin or economy — other times, the difference comes down to competition for your business.

Online travel services will often offer slightly lower prices on flights in an effort to entice you as a customer. This is true for both hotels and airlines.

» Learn more: Best credit cards for online travel-booking websites

✅ It can earn you more rewards

Have you ever heard of shopping portals ? By logging into a shopping portal, you can earn rewards for purchases made with many online merchants. Some hotel chains, such as Hilton , Marriott and IHG , can be accessed through shopping portals while still booking directly on the hotel website. In this way, you can earn rewards with the hotel directly as well as with the shopping portal.

The same isn’t true for shopping portals and most airline sites. However, many public online travel agencies are accessible through shopping portals, which can then earn you rewards for airfare bookings. By opting to book in this way, you’ll be able to earn points or cash-back rewards through the shopping portal that you’d otherwise miss.

Some card issuers will also reward you heavily when using their online travel services. Clear examples of this can be seen with Capital One and Chase. With the Capital One Venture X Rewards Credit Card , for example, you’ll get 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel .

The Chase Sapphire Reserve® is similar. With this card, you can get 10 Ultimate Rewards® points per dollar spent on hotels and rental cars booked through Chase's portal.

While these numbers are high, it’s important to remember that there are trade-offs when booking through an OTA rather than directly with a hotel or airline. We’ll get into that a little later.

Online travel agencies offered by your card issuer may not feature the same prices as booking directly; you’ll want to compare these before committing to a purchase.

Some card issuers will go so far as to give your points more value when redeeming through their online travel agencies.

This is true with the Chase Sapphire Preferred® Card . When redeeming points on Chase's travel portal, you’ll get 1.25 cents in value per point rather than 1 cent elsewhere.

» Learn more: How much are your airline miles and hotel points worth this year?

Cons of booking through online travel agencies

There are several downsides when it comes to using online travel services for booking travel. It mainly comes down to the fact that travel providers prefer that you book directly with them — and offer more perks to woo your business.

❌ It can be harder to change a booking

Ever needed to change a flight after it's booked? No matter the reason, attempting to alter or otherwise cancel a flight can be a hassle — especially if you’ve booked through a third party.

Generally speaking, rather than offering you direct assistance, both hotels and airlines will recommend you contact the online travel agency you’ve booked with in order to make any changes.

While you may be able to make changes or get refunds with the travel agency, airlines and hotels can — and will — offer much more flexibility when you’ve booked with them directly. You may also be subject to additional fees charged by the online travel agency, which can erase any savings you’ve received.

❌ You may not receive elite benefits

This is the real kicker for anyone wanting elite status. Although airlines will almost always recognize your elite status and allow you to earn miles even for bookings made through an online travel agency, hotels and rental car companies will not.

This is especially important for hotel chains. Earning elite status with hotels generally relies on elite night credits. Although these can be earned in a variety of ways — including having complimentary status by holding certain credit cards — the main method of acquiring elite night credits is by spending nights in hotels. Rooms booked through an online travel agency do not count toward elite status as elite night credits.

Additionally, you will not receive any of the benefits of your existing elite status if your booking is through a third party. This can mean the loss of perks such as room upgrades, complimentary breakfast and even free Wi-Fi.

» Learn more: The best airline and hotel rewards loyalty programs this year

❌ It may be more expensive

Did you know that many hotel chains have best price guarantees? Hyatt, Hilton, Marriott and IHG all have a guarantee that’ll give you either points or a discount if you find a better rate elsewhere.

These guarantees are generous; Hilton, for example, will match the rate and then discount it by a further 25%.

Although you’ll need to file claims for these guarantees and they face limitations — such as a 24-hour window from when you made the booking — you can save a lot of money on your stay if your request is approved.

Online travel agencies can be hit or miss

There are two sides to every coin and this is no different, as there are several benefits and limitations of online travel services. Depending on your needs and loyalty program status, you’ll want to choose whether to book directly with a travel provider or rely on OTAs to do the job for you.

Booking travel through credit card portals from issuers like Chase and Capital One can earn you big rewards. But if you anticipate altering your travel plans or aim to earn elite status instead, booking directly is the way to go.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1.5%-5% 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.

Up to $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.

Advantages and Disadvantages of Online Travel Agencies (OTAs)

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For many travelers, Online Travel Agencies (OTAs) are the preferred way to search for and book package deals, accommodation, flights, tours, and other travel. Online travel agents like Expedia, Hotels.com and Booking.com are among some of the most popular websites in the world.

For business-savvy tour operators who recognize that organic search engine traffic alone may not generate enough revenue, OTAs are an important component of a successful distribution channel strategy. They can help you reach many more travelers and generate more bookings. However, the advantages of OTAs need to be balanced with the disadvantages, like having to pay a commission on every booking.

To help you figure out the best plan of action, here’s a rundown of the pros and cons of online travel agents, and how you can use them to benefit your business.

What is an Online Travel Agency (OTA)?

An OTA is a one-stop online travel marketplace where travelers can search for, compare, and book everything from flights and hotels, to tours and car rentals.

Think of an OTA as an Amazon.com for travel. OTAs like GetYourGuide and Expedia attract millions of visitors every day because of their convenience, price and product comparison capabilities, and their huge range of hotels, tours, and other travel.

From an OTA’s perspective, the typical business model involves making money by taking a commission from each booking. Many also offer display advertising or charge companies a “pay-per-click” fee to ensure their listing appears at the top of relevant search results. 

Advantages of Online Travel Agencies (OTAs)

Expand your reach.

The main advantage of OTAs is their huge popularity, which enables tour operators to reach more travelers. It’s no secret why OTAs attract so many people:

• Breadth of choice: Just as consumers use Amazon for buyer research and price comparison purposes, OTAs offer a huge range of experiences and price points for travelers who are shopping for something specific or looking for ideas. 
• Price comparison and deals: OTAs are also popular among price-conscious travelers and bargain hunters. They let people search for travel within a set budget, and weigh their options in one place—comparing different options side by side. 
• Convenience and ease of use: Like other online retailers, OTAs are simply an easy and convenient way to shop compared to the offline equivalent. The ability to use filters to narrow down their selection according to their preferences makes OTAs an invaluable time-saving tool when researching travel.

Create marketing efficiencies

OTAs spend enormous amounts of money promoting their websites. If you have a limited marketing budget, it’s a cost-effective way to reach a much larger audience. Listing your tours on an OTA could also increase sales through your own website—a phenomenon known as the “billboard effect” . 

Many savvy buyers use OTAs as a type of meta search engine (a search engine within a website that surfaces results from lots of different search engines).  For example, a traveler searches for “things to do Waikiki” on Expedia. To explore their options and narrow down their preferences, they’ll skim through activities, read reviews, and compare pricing before switching over to Google. Now they have a better idea of what’s out there and what they’re interested in, so their search keywords will be very specific. For example, “Atlantis Submarines Waikiki.”

So how do you benefit from this buyer behavior and make sure your business takes advantage of the billboard effect on OTA websites?

• Have a strong direct pricing strategy. Consider all of your costs, including digital marketing, resellers commission, etc. to come up with a price that works for your audience, market, and business.
• Build a strong SEO and paid-search strategy so you show up prominently in search results.
• Protect your brand name with selective organic and paid keyword combinations.
• Thoroughly read through an OTA’s terms before signing on. Make sure you own your brand name in paid search.

Generate more low season bookings

If you experience a downturn in sales during the low season , listing your tours on an OTA lets you piggyback their marketing efforts—at a time when you may need to reduce your costs—to sell tours more quickly, easily, and cost-effectively (even factoring in commissions) than you might be able to do yourself. 

Gain invaluable insights

When you list your tours on an OTA, you may receive access to the analytics and data insights generated by the platform. Carefully consider how to measure your customers’ buying patterns. You can test different pricing strategies and use the platform’s analytics to spot potential new trends and opportunities, or use these insights to make better-informed business decisions.

Done correctly, all of these things allow business-savvy tour operators to use OTAs as a valuable tool for direct business.

Disadvantages of Online Travel Agencies (OTAs)

Having to pay a commission.

While listing on an OTA is free, OTAs make their money by charging a commission on every booking. This can be as much as 20% of the cost of the sale or even higher. Of course, this cost may be offset by selling more tours, faster. 

Customer service issues and cancellation rules

One reason some travelers don’t like using OTAs is the customer service, or lack thereof. Post-sale, OTAs typically become the main contact for cancellation, booking changes, or issue resolution. If something goes wrong, such as a cancellation due to an unforeseen event, travelers can be left dealing with a large company and the impersonal and unsatisfying customer service that often goes along with that. This may also affect their impression of your business.

Risk of overbooking

Overbookings can be a common problem even if you don’t currently list on an OTA. You might already be taking bookings over the phone, at your office, on your website, and through resellers. Adding multiple online travel agents to the mix can create more work to manage overbooking your tours and activities. Doing it manually or using a number of different systems and processes can be unproductive, reducing the many benefits of selling through OTAs. The best solution for overbooking is a centralized booking system with a channel manager that lets you keep track of all your bookings.

Potential loss of business

It is actually possible to hurt revenues by using an OTA due to common OTA marketing strategies. For example, an OTA might favor some tour companies over others due to them receiving a higher commission. That means your business finds it more difficult to appear in searches, while a competitor appears prominently.

Loss of complete control

The moment you start using an OTA, you face limitations around how you can market your business on their site. This includes restrictions on how tour descriptions are presented, a limited ability to edit and update listings, and so on. The good news is that you can offset this potential disadvantage by connecting to an OTA via a centralized booking system that allows you full control over your content.

Examples of Online Travel Agencies (OTAs)

Ready to get started with OTAs? Here’s an online travel agency list to check out—from huge global brands selling everything from flights to vacation rentals and experiences, to smaller, more niche OTAs. 

A leading booking site for the Asian market in particular, offering all types of travel bookings, especially accommodation. 

Part of the Expedia Group, which owns multiple OTAs, also including Orbitz and Travelocity.

One of the largest OTAs for tours and activities in the world.

GetYourGuide

A growing OTA specializing in unique experiences, especially for millennial travelers.

A growing OTA focused on selling tickets to museums and other attractions, but that does list other local experiences.

All of these websites have a section explaining how they work with tour companies, what their commission is, and how to get started.

Already selling through OTAs? Integrate Rezgo with Expedia, Viator, and GetYourGuide to manage your availability and revenues in one place and ensure a smooth customer experience.

Editor’s Note – July 2022: Updated to reflect the current percentages charged by OTAs.

Written By | Rob Mathison

Rob Mathison is a Vancouver-based freelance writer focusing on tech, travel, digital marketing, and education. He is a co-author of The Complete Resident’s Guide to Vancouver.

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5 benefits of using online travel agencies

Online travel agencies (OTAs) can be one of the greatest allies that lodging operators have. They help open up new markets and secure a stream of steady bookings when used in parallel with a strong direct booking strategy. Travelers gravitate towards OTAs due to their strong presence, which results in trust and credibility.

Here, we look at some of the benefits OTAs bring to travelers.

1. Convenience

With so much information online today, travelers use OTAs to easily browse and book their accommodations using a trustworthy website. OTAs provide the convenience of price, location, and property-type comparisons. The ability to filter down thousands of properties to one that fits their trip goals is an invaluable tool that saves hours of time. 

2. Loyalty programs

Larger OTAs have loyalty programs that reward travelers for booking multiple trips through their site, including rooms (or beds), car rentals, plane tickets, and activities. For example, the new One Key reward program gives travelers the flexibility to earn and use rewards across Expedia Group using OneKeyCash.

3. Price-driven decisions.

Online travel agencies are often considered the cheapest place to book and the best place to find package deals. Though many hotel brands have tried to change this perception by pushing direct booking campaigns and strategies, OTAs still benefit from being thought of as low-cost leaders.

For example, Agoda has a ‘ Coupons & Deals ’ section of its website offering daily deals and spontaneous savings. Every day, these offers change and include incentives such as percentage off coupons and special rates on select hotels. Offers like this are hard for consumers to pass up and help increase the likelihood of generating a booking. 

4. Extensive advertising & marketing budgets

Discount and deal-centric advertising campaigns help shape consumer notions that OTAs are the best place to book. In Q1 2024 alone, Airbnb, Expedia Group, Booking Holdings, and Trip.com Group spent a combined $4.08 billion USD on sales and marketing, up 10.6% from Q1 2023.

How are they spending these enormous budgets? Skift reports the going rate for a 30-second Superbowl slot during the 2024 game was $7 million USD, with Booking.com making an appearance with its Booking.yeah ad. 

Airbnb, on the other hand, partnered with Mattel to deliver the “Malibu Barbie DreamHouse” listing on Airbnb. Airbnb CEO Brian Chesky said this campaign “became a phenomenon on social media and got more press, more articles than our IPO.” 

Online travel agencies have one job: to get their inventory, including yours, in front of the right person at the right time. They’re constantly creating new and innovative ways to get rooms and rates in front of travelers. Of course, the cost of this innovation is how they justify their fees and commissions to the properties that list on their platforms. 

5. Secure global payments & traveler protection

OTAs give travelers the ability to complete safe and secure payment transactions in their preferred currency. They support multiple payment methods depending on location, providing travelers the flexibility that independent properties are often unable to accommodate unless they use secure, integrated payment processing (which the Cloudbeds Hospitality Platform offers) that’s equipped to send hospitality-enriched data to banks and also supports multiple payment methods and currencies. 

In addition, OTAs often offer traveler protection to provide peace of mind while booking. Last year, Airbnb introduced Aircover, a free protection for travelers included for every guest. Its purpose is to help provide refunds or new accommodations if you experience an issue such as a host cancellation, trouble checking in, or a key missing amenity. 

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Exploring the Pros and Cons of Online Travel Agency Bookings: A Comprehensive Guide

When planning a trip, there are numerous options available for booking accommodations, flights, and activities. One popular avenue is booking through online travel agencies (OTAs). These platforms provide a convenient way to compare prices, read reviews, and book all aspects of your trip in one place. However, like any other option, booking through OTAs has its pros and cons.

The Pros of Booking Through Online Travel Agencies

1. Convenience and Time-Saving: One of the biggest advantages of using OTAs is the convenience they offer. With just a few clicks, you can compare prices, check availability, and make reservations. This saves valuable time and effort that would otherwise be spent researching multiple websites or contacting providers individually.

2. Extensive Options: OTAs typically have a wide range of accommodations, airlines, and activities listed on their platforms. This gives travelers the opportunity to explore different options and choose the one that best suits their preferences and budget. Whether you’re looking for a luxury hotel or a budget-friendly hostel, OTAs have got you covered.

3. Deals and Discounts: OTAs often offer exclusive deals and discounts that may not be available elsewhere. These promotions can help you save money on accommodations, flights, car rentals, and more. By taking advantage of these offers, you can stretch your travel budget further and potentially enjoy additional perks like complimentary breakfast or room upgrades.

4. User Reviews and Ratings: One of the key features of OTAs is the ability to read user reviews and ratings. This allows you to get a sense of the quality and reputation of a particular provider before making a booking. By relying on the experiences shared by other travelers, you can make more informed decisions and avoid potential disappointments.

The Cons of Booking Through Online Travel Agencies

1. Lack of Personalized Service: While OTAs offer convenience, they often lack the personalized service that you might receive when booking directly with hotels or airlines. If you have specific requests or preferences, it can be more challenging to communicate them through an intermediary platform.

2. Hidden Fees and Charges: Some OTAs have been known to add hidden fees and charges during the booking process. These additional costs may not be apparent until you reach the final stages of making a reservation. It’s important to carefully review the terms and conditions to avoid any unexpected expenses.

3. Limited Flexibility: When booking through an OTA, you may encounter restrictions or limitations in terms of changes or cancellations. These policies can vary depending on the provider and the type of reservation. It’s crucial to understand the terms and conditions before committing to a booking.

4. Potential Information Gaps: Although OTAs strive to provide comprehensive information, there may be times when important details are missing or incomplete. This can include updates on renovations, construction nearby, or other factors that could impact your stay or travel experience. It’s essential to conduct additional research and reach out directly to the provider if necessary.

In conclusion, booking through online travel agencies offers convenience, extensive options, deals, and access to user reviews. However, it’s important to consider the potential drawbacks such as limited personalization, hidden fees, inflexibility, and potential information gaps. By weighing the pros and cons, travelers can make an informed decision about whether to use OTAs or explore alternative booking methods for their next adventure.

Exploring the Ups and Downs of Booking through Online Travel Agencies: A Comprehensive Analysis

Related questions, what are the advantages and disadvantages of using online travel agencies for booking travel arrangements.

Advantages: 1. Convenience: Online travel agencies (OTAs) offer a convenient platform for travelers to search, compare, and book various travel arrangements from the comfort of their own homes. 2. Wide range of options: OTAs provide access to a vast selection of airlines, hotels, car rental services, and other travel products, allowing users to choose from a wide range of options at different price points. 3. Competitive prices: Due to their large network and bargaining power, OTAs often offer competitive prices and exclusive deals that may not be available through other channels. 4. User reviews and ratings: Most OTAs include customer reviews and ratings for hotels, airlines, and other services, providing valuable insights and helping users make informed decisions. 5. Ease of customization: Many OTAs allow users to customize their travel itineraries by selecting specific flights, accommodations, and additional services to meet their particular needs.

Disadvantages: 1. Additional fees: Some OTAs may charge extra fees for services such as booking changes, cancellations, or seat selections, which can increase the overall cost of the trip. 2. Lack of personalized assistance: Unlike traditional travel agents, OTAs do not typically provide personalized customer service or assistance in case of travel disruptions or emergencies. 3. Limited flexibility: Certain travel arrangements, such as complex itineraries or multi-city trips, may be challenging to book through OTAs, as their systems may not accommodate all specific requirements. 4. Potential misinformation: Occasionally, OTAs may display incorrect information regarding flight schedules, availabilities, or hotel amenities, leading to misunderstandings or inconveniences for travelers. 5. Less negotiation power: While OTAs offer competitive prices, they may have limited flexibility for negotiating terms or additional perks compared to direct bookings with airlines or hotels.

Overall, using online travel agencies can be a convenient and cost-effective option for many travelers. However, it is essential to weigh the advantages and disadvantages carefully and consider individual travel preferences and needs before making a booking decision.

How do online travel agencies impact the financial aspects of planning a trip, such as savings and costs?

Online travel agencies (OTAs) have a significant impact on the financial aspects of planning a trip. They offer several benefits that can help travelers save money and manage costs more effectively.

Savings: OTAs play a crucial role in providing competitive prices for flights, accommodations, and other travel services. They often negotiate exclusive deals and discounts with airlines, hotels, and car rental companies, allowing travelers to access lower prices than those available through traditional booking methods. This competition among different OTAs can result in considerable savings for travelers who shop around and compare prices.

Costs: OTAs also provide transparency and convenience in comparing prices and services across multiple vendors. By using an OTA, travelers can easily compare various options and select the most cost-effective one. Additionally, some OTAs offer package deals that include flights, accommodations, and other services at a bundled price, which can often be cheaper than booking each component separately.

Expert Insights for Financial Planning: Many OTAs also provide helpful financial planning tools and insights. These resources can assist travelers in managing their budgets, tracking expenses, and optimizing their spending during the trip. Moreover, some OTAs offer loyalty programs or reward systems, allowing users to earn points or discounts for future travels, essentially providing a long-term financial benefit.

Travel Insurance: OTAs often offer optional travel insurance packages that provide coverage for unexpected events such as trip cancellation, medical emergencies, or lost luggage. While these add-ons may increase the overall cost of the trip, they offer financial protection and peace of mind in case of unforeseen circumstances.

However, it’s important for travelers to exercise caution when using OTAs. Some OTAs may charge additional fees or have less flexible cancellation policies. It’s crucial to carefully read the terms and conditions, compare prices across different platforms, and consider the reputation and reliability of the OTA before making a booking.

In summary, online travel agencies can have a positive impact on the financial aspects of trip planning. They offer competitive prices, convenient comparison tools, and often provide financial insights and protection options. However, travelers should remain vigilant and make informed decisions to ensure they are getting the best value for their money.

Are there any specific risks or considerations to be aware of when using online travel agencies for booking travel, particularly in relation to credit card payments and protection against fraud?

When using online travel agencies (OTAs) for booking travel, there are certain risks and considerations to keep in mind, especially related to credit card payments and protection against fraud.

1. Security of Payment Information : It is essential to ensure that the OTA’s website has secure socket layer (SSL) encryption, indicated by a padlock symbol in the website address. This encryption protects your credit card information from being intercepted by hackers.

2. Use Credit Cards for Payments : When making online bookings, it is generally recommended to use a credit card rather than a debit card or bank transfer. Credit cards offer better fraud protection and dispute resolution options compared to other payment methods.

3. Read Reviews and Do Research : Before choosing an OTA, read reviews and do thorough research. Look for customer experiences related to any credit card fraud issues or instances of identity theft. Stick to well-established and reputable OTAs.

4. Check the OTA’s Terms and Conditions : Carefully review the OTA’s terms and conditions regarding cancellation policies, refunds, and chargebacks . Ensure they have a fair process in place to protect your rights in case of fraud or unauthorized charges.

5. Monitor Your Credit Card Statements : Regularly monitor your credit card statements for any suspicious activity or unauthorized charges. If you notice anything unusual, contact your credit card provider immediately to report fraud and take necessary actions.

6. Consider Travel Insurance : Travel insurance can provide additional protection against trip cancellations, interruptions, or other unforeseen circumstances. Some policies also cover fraud-related losses, providing an extra layer of security.

Remember, while most OTAs maintain high-security standards, no system is entirely foolproof. By taking these precautions and staying vigilant, you can reduce the risk of credit card fraud and ensure a safer online booking experience with online travel agencies.

Disclaimer: The information provided here is for general informational purposes only and should not be considered as professional financial advice. Always seek the advice of a qualified expert or conduct thorough research with official sources before making any financial decisions.

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Category: Travel

Date: May 31, 2024

Online Travel Agencies – A Brief Introduction

The role of an online travel agency (OTA) is becoming increasingly important in the accommodation industry as they provide a convenient way for travelers to arrange their stay. From the comfort of their home, travelers can compare hotel prices and book them over the internet. 

In this blog, we are going to discuss what an OTA is, the best OTA platforms, travel website development and how to do it right, and more.

Ready? Let’s go.

What Are Online Travel Agencies?

An online travel agency (OTA) arranges and sells accommodations, tours, transportation and trips on an online platform for travelers. They are third parties who sell services on behalf of other companies.

Usually, these OTAs offer many benefits with added convenience with more of a self-service approach. They also include a built-in booking system which allows instant bookings.

How Do Online Travel Agencies Work?

OTAs generally work on two models. They are,

1. Merchant Model

In this model, hotels sell rooms to OTAs at a discounted or wholesale price. Then, the OTA sells them to the customer at a markup price

2. Agency Model

This is a commission-based model where OTAs acts as a distribution partner. OTAs receive full commission after the stay has taken place. The hotel directly receives the payment from the end customer and does not wait for the payment transfer from third-party distributors.

What Are the Benefits of Partnering with Online Travel Agencies?

In one word – exposure! Online travel agents get thousands of website visitors from all over the world. Plus, they have positioned themselves as an authority on everything related to travel. So, people trust the recommendation they receive from OTAs.

By listing in OTAs, accommodation businesses like hotels not only reach a vast set of audience but will also find their service among many other reputable sources of information.

In addition, hotels that are listed on OTAs can also benefit from what is referred to as the ‘billboard effect’. This means that OTAs provide a form of advertising for service providers such as hotels on their platforms. Once the user gains this awareness, they may even go to the website of that particular hotel to make a direct booking.

What Are the Advantages and Disadvantages of Selling Through Online Travel Agents?

Accommodation businesses like hotels and B&Bs have pros and cons of getting listed in OTAs. Let’s take a look at them.

Advantages Of Online Travel Agents

• Low-cost method of selling accommodation services
• Reduced online marketing spend as OTAs invest in advertising to attract potential customers
• Impartial reviews give customers the confidence to book
• Users can easily compare various accommodation costs at one place

Disadvantages Of Online Travel Agents

• Commission rates are charged on every sale. It can range between 10-15% of the gross cost
• Restrictive cancellation terms
• Even if accommodation businesses use OTAs, the need for their own website and booking engine does not go away
• Investment in a balanced multi-channel strategy may be needed to boost sales

Even though OTAs can help to fill your rooms, accommodation businesses must try to maximize revenue through their own website. Consistent work on search engine optimization tactics and other digital marketing techniques is a must. Accommodation businesses must focus on customer retention techniques and directly target their existing customers through emails and direct marketing.

How To Start An Online Travel Agency?

Travel agencies no longer inform customers about the availability of flights and rooms. They issue rooms and get a commission from the respective accommodation businesses. That is why most of the new travel businesses follow the OTA model.

If you plan to enter the OTA arena, you can specialize in pilgrimages, leisure travel, business travel or any niche. But, focusing on how effectively you offer things is the key to success.

Here Are Some Points You Have To Consider When Starting An Online Travel Agency.

• Register the name of your agency and if applicable, take a license as per your local laws
• Try to get a membership in IATA or any other reputed travel organization
• Gain more knowledge about the travel industry and particularly the nice you want to concentrate
• Get your travel website designed by a professional company like ColorWhistle
• Offer deals that focus on a specific geography. Focusing on a particular niche will also bring more success
• Publicize your business in the online space
• Utilize the power of blogging
• Create a good social media presence

Why Do People Use Online Travel Agencies?

 here are some of the main reasons they prefer ota’s..

• Few OTAs offer reward programs which can be used for future travel needs
• Special rates which cannot be found elsewhere
• Some OTAs may have generous cancellation policies. For example, Priceline does not offer any penalty if the user cancels the ticket until the end of the next business day
• Most users may not have an idea on where to book other than an OTA
• OTAs make it easy to compare different rates

Which Are the Best OTA Platforms?

1. booking.com.

Booking.com is one of the largest accommodations websites which has now expanded to smaller markets such as family-operated bed and breakfast, vacation rentals and self-catering apartments.

Interesting statistics

• Every day, 1,550,000 nights are booked
• 68% of nights booked came from families and couples
• 42% of nights booked came from unique places such as homes and apartments
• 38% of reviews are given by guests which are useful for other travelers
• 75% of nights booked come from guests who booked more than 5 times

2. Expedia’s Hotels.com

Expedia’s Hotels.com is a popular brand which has a global audience and attracts diverse travelers. The company gained more power in the industry by acquiring Travelocity.

• Gets over 675 million monthly site visits
• Operates in 70+ countries and 40+ languages
• Attracts 75 million monthly flight shoppers

Airbnb revolutionized the travel accommodation industry by introducing home-sharing. The website has diverse listings and travelers get a sense of safety as they can know their guest’s identity.

• 2.9 million hosts are present on Airbnb
• Average of 800k stays each night
• 14k new hosts join every month

Apart from these major OTAs, there are many small ones such as OneTravel, Vayama, Tripsta, TravelMerry, ExploreTrip, Kiss&Fly, Webjet, GoToGate, Travelgenio, Bookairfare, Fareboom, Skybooker, Travel2be, OneTwoTrip!, and eBookers.

Drive Conversions and Boost your Business with Expert Travel Website Development.

What the future holds for online travel agencies.

It is clear that, in the near future, accommodation businesses are not about to back down from OTAs. They are enjoying the billboard effect and trying their best to retain website visitors and convert them into direct booking. 

Sure, there is a cost involved. The upside of this is that accommodation businesses are working hard to create a loyal customer base that will continue to seek direct bookings.

The chances of OTAs suffering in the long run are pretty slim. Smaller accommodation businesses have a lot to gain from the exposure they receive through OTAs. Plus, a large portion of the younger generation prefers OTAs. So their market will continue to grow.

If you need any help to design, develop or market an OTA website, contact our travel web design and development experts at ColorWhistle . 

We can create an amazing website with beautiful designs combined with dynamic content such as live rates and special offers. Contact us today for your free business analysis and consultation.

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About the Author - Anjana

Anjana is a full-time Copywriter at ColorWhistle managing content-related projects. She writes about website technologies, digital marketing, and industries such as travel. Plus, she has an unhealthy addiction towards online marketing, watching crime shows, and chocolates.

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Pros and cons of an online Travel agency vs. offline travel agency

What is the difference between an online travel agency and an offline travel agency? We will look at the pros and cons of online travel agencies vs. offline travel agencies

By Jessica Freedman

February 9, 2024

As travel managers constantly look for ways to optimize their corporate travel programs, part of doing so is understanding the differences between going digital or taking your travel management needs offline. In this explanatory guide, we will look at the pros and cons of online travel agencies vs. offline travel agencies so that you are prepared to understand the differences in order to choose the travel booking tool and management system that is most suitable for your company.

Here’s what we’ll cover:

• What is a TMC?

What is an OTA?

Pros and cons of online travel agencies, offline travel agencies, pros and cons of offline travel agencies, how to choose the best corporate travel platform.

Let’s start with a short introduction to some simple terminology to give you a guiding hand.

Types of online booking tools

For starters, to recognize the difference between online travel agencies and offline, it’s important to understand that there is a wide range of online booking tools available for travel. Let’s take a look at the different types:

Travel aggregators

Corporate online booking tools, direct bookings, travel agencies.

Travel aggregators are websites that essentially consolidate the travel offers and prices from multiple sources all in one place. This allows users to book at the lowest prices based on the results listed in the search results. This helps users find the best prices out of all the results the aggregator has found. This way it is easy for consumers to know that they are booking at the lowest price possible.

TMCs like BCD (which we will discuss more in detail below) can function as a travel aggregator. For instance, for hotel bookings, TMCs combine GDS content with content from Expedia, Booking.com, HRS, and others offering this all together in a mobile app or website. In the case of AMEX, they have a proprietary online booking tool, called KDS, which also serves as a travel aggregation tool.

 When it comes to business travel, corporate online booking tools are frequently used by businesses to keep a hand on their business travelers. Corporate online booking tools are ideal for keeping track of trips, travel spend, and ultimately streamlining business travel.  GetGoing  and Booking.com for business are examples of corporate online booking tools, as well as EHI Direct .

Direct bookings are carried out by going directly to the airline, hotel, train or rental car company’s respective sites and booking directly instead of through a third party.

We will look more at online travel agencies, or OTAs below, but the idea is that you can get access to travel inventory all in one place. Online travel agencies are the most common way of booking online travel.

What is a TMC?

A TMC, or a Travel Management Company uses a Global Distribution System (GDS) as a travel booking tool. TMCs started before the boom of online travel. Travel was booked in a traditional way via telephone or email and then arrangements were made by travel agents.

Nonetheless, TMCS have evolved since their beginnings, investing in making business travel more digital even though they still have a way to come in terms of technology. TMCs offer the value of industry experience while offering more personal service through their agents. TMCs integrate custom-built booking  preferences to give business travelers the best choices within their travel  policy , allowing them to compare options. As a travel manager you can work with your TMC to decide how you want to set up your business travel program.

A TMC like BCD Travel, AMEX, and CWT can help companies make the most of their travel in general beyond just booking travel. They can give a helping hand with cost analysis, reporting, duty of care, etc., but that isn’t to say that an online travel agency won’t provide you with data reports of your travel spend.

Full-service business and corporate travel management companies can help optimize, manage and improve your business travel, ensuring you adhere to your travel policy, and providing seamless booking experiences, while offering a hand with travel data, allowing you to optimize your travel spend and costs to make the most out of your business travel program.

OTAs, or online travel agencies offer customers the possibility to book their travel online. OTAs started in 1996 with Travelocity being the first online travel agency. Most of them started off with a strong digital product and platform and added agent support/service as an added benefit.

They are third party agents who sell services on behalf of airlines, hotels, car rental companies, tour operators and others. They arrange and sell accommodations, tours, transportation and trips on an online platform for travelers. Some well-known travel platforms such as Booking or Expedia act both as travel agencies and tour operators allowing customers to read reviews to decide where to stay, and also book package holidays.

Several online travel agencies are only customer-facing, like the above examples, whereas other OTAs can service both B2B and B2C like Booking.com, which offers services for business clients as well as regular customers. On the other hand, OTAs like  GetGoing   and Travel Perk are designed exclusively with Business travelers in mind .

What is an online travel agent?

An online travel agent is an OTA that is part of web-based platform that allows users to book travel services over the internet. Online travel agents are intermediaries between travelers and service providers like airlines, hotels, car rental companies and tour operators. They provide a central platform to book, compare and search for travel arrangements, whether it be for business or leisure.

OTAs have a big market share

The global business travel market is a  $695.9 billion industry as of 2020 , and is expected to reach $2,001.1 billion by 2028. Whereas the online travel market is a $433.2 billion dollar industry, with the revenue share of online sales in the global travel and tourism market at 66% (according to a study by  Statista.com ).

As can be noted by the 66% market share of online travel sales, the great majority of reservations are being made via online travel agencies, and for this reason, OTAs have become an important distribution channel for tourism businesses. While OTAs are often used to book holidays and leisure trips, there are also online travel agencies, known as Travel Management Companies, or TMCs that have the same functionality as OTAs but are primarily used by companies or businesses.

Advantages and disadvantages of online travel agency

An online travel agency is convenient, has a wide range of options, allows you to easily compare prices, can be a great way to see reviews and ratings from other users, gives special deals and discounts and is available 24/7. Some disadvantages of an online travel agency is that there may be hidden fees, you have less leeway for personalization, customer service is harder to track down, and there is less flexibility.

Now that you have a better idea of some of the basic terminology, and some of the advantages and disadvantages of an online travel agency, let’s look at some of the pros and cons of an online travel agency.

online travel agency

1. an online travel agency is self-service .

Online travel agencies are a way to self-manage your travel needs. They have an integrated online booking tool that allows you to make travel arrangements, make cancellations, manage bookings and do everything that a brick and mortar travel agency would let you do with the convenience and benefits of a self-service approach. 

2. Keep track and manage travel expenses

In addition to being self-service, as a travel manager, with an online travel agency or TMC you can keep track of your travel spend and optimize your expenses while at the same time automating your travel policy so that travelers will be notified when their travel expenses are out of policy, and ensuring that you stay on budget.

3. Increased productivity

Working with an online travel agency leads to more productivity because you spend less time managing your trips. All your trip information is conveniently stored in your profile so that you can manage, edit and cancel hotel bookings, car rentals, train bookings as necessary. This means that in the case of travel managers, you can work with the OTA to automate your travel policy, which takes the automated work out of the hands of you and your travelers.

4. Help keep travelers safe

In the case of an online travel platform like GetGoing, you can have added assistance in keeping your traveler’s safe thanks to built-in AI technology that prefers the safe travel options, like not passing through high-risk countries, helping to fulfill your duty of care. You can also have access to traveler tracking and emergency support in the case of need. 

1. Less personal

While online provides great convenience, one of the cons is that it is less personal, lacking the personal touch of an in-person offline travel agency. Of course there is always the possibility to call, chat or speak to a representative, it’s not the same as a face-to-face encounter, especially for managing business.

2. Less hand-holding

For those inexperienced travelers, online travel agencies can be more “do-it-yourself” meaning that there is less hand-holding if you need it . This can take away from productivity because travelers must evaluate the options themselves, rather than having a TMC that can give you a helping hand. A TMC would be able to discover the most effective (and safest options), meaning less layovers in potentially risky countries.

3. Hard to get around the rules

When you are working with an offline agency it’s easier to bend the rules or get around travel provider’s policies. TMCs can oftentimes make changes to bookings without charges that travelers or travel managers on their own wouldn’t be able to do thanks to their business relationships with the providers.

Now that we’ve looked in depth at online travel agencies, let’s take a look at offline travel agencies, including their pros and cons.

What is an offline travel agency?

Offline Travel Agencies are travel agencies, including corporate travel departments, who operate from “brick and mortar” offices. This means that they have physical offices rather than operating as an OTA with only a website. Customers typically call or go to their offices to get travel-related services, which they provide using a GDS like Galileo. An offline travel agency usually has a team of travel agents who can help clients book flights, hotels, car rentals and other travel services.

While it’s true online travel agencies have gained popularity for their convenience, there are still many who prefer the personalized service provided by a face-to-face interactions at offline travel agencies. Offline travel agencies may cater to a specific market or specialize in certain kind of travel, i.e., business travel, group trips, leisure travel, etc. and this kind of assistance and hand-holding may give clients a sense of reassurance.

Advantages and disadvantages of offline travel agency

An offline travel agency has its advantages like the ability to get expert advice, personalized service, the face-to-face component, the ease of problem resolution, and the convenience of being hand-held along the process of booking travel. However, there are also some disadvantages like limited accessibility, potentially higher costs, limited choices, time-consuming, constraints on availability of store hours, and perhaps less transparency.

Now that you have a better idea of what an offline travel agency does, as well as the advantages and disadvantages, let’s take a look at some of the pros and cons.

offline travel agency

1. it’s more personal.

As much as we move more and more towards a digital-first approach, there is still an element of face-to-face contact that can’t be replaced. This is one of the main pros of an offline agency, being able to meet in person to book travel and even design your corporate travel program. Also for the travel agency, it’s easier to cater to the traveler’s needs, and really understand what they are looking for.

2. Enhanced service

Since online agencies tend to be more self-service, it can be argued that offline agencies offer enhanced services. Trip planning, including more complex routings or integrated travel booking, which include multiple forms of transport, accommodation and leisure activities can be more easily managed with an offline travel agency, setting them apart from their offline counterparts.

3. It’s more inclusive 

While for the purposes of this article, we are more focused towards business travel, it goes without saying that offline travel agencies are more inclusive. According to a study by the UN’s ICT agency, an estimated 37% of the world’s population (2.9 billion people) have never used the Internet. For that reason, in underdeveloped countries, an offline travel agency is still crucial in order to service this part of the population.

1. Not as flexible

With an offline travel agency, you must adhere to business hours in order to make your business travel plans. If it’s late at night and you are working after hours to plan your business trip, this means you’ll have to wait until the next business day to book your trip. 

2. Less technology-forward

Of course, offline travel agencies use technology like GDS to book your travel, it goes without saying that a traditional offline travel agency is less technologically advanced. Unlike online agencies, they don’t have to rely on technology or even have a fast website to help make travel plans. Since they are dealing with external systems for the most part, there is no precedent for having a technologically-forward website. 

3. Less efficient

While it can be efficient to work with an offline agency when you are booking complex trips with multiple providers, it can be less efficient for everyday use. With OTAs, all the information is readily available making it quick and efficient to book a trip. In the case of going offline, you have to rely on the help of an agent to take care of your everyday travel needs, which can be less efficient than handling travel plans on your own.

Now that you’ve fully understood the pros and cons of an online travel agency vs. an offline travel agency, here are some tips to choose a corporate travel platform that’s right for you.

• Look for balance between online technology with offline support
• Ease of creating your travel policy
• Safety first
• Simple approach to data
• Allows you to save money

1. Look for balance between online technology with offline support

This means that you have a tool that has all the functionalities of an online travel platform, but with expert service and assistance when you need it most. Sometimes business travel doesn’t go as planned; there might be delays, lost luggage, long wait times, cancellations, overbookings or a wide range of other issues. This is why you need to have a support system in place that is ready to help when the going gets tough. At GetGoing you have the ease of digital but with the guarantee of 24/7 service when you need it.   This way you can travel worry-free knowing that an expert is there to lend you a hand if any of these unexpected circumstances arise.

2. Ease of creating your travel policy

When it comes to creating your travel policy, you want to find a travel management company that will support you in creating a policy that allows you to save money, protect your travelers and optimize your business travel. This is why you should look for a TMC that allows you to automate your travel policy . Automation is at the core of productivity and by optimizing your travel policy, you can also save money. 

3. Safety first

Whether you decide to go with an online travel agency or an offline travel agency, ensure that your traveler’s safety is first and foremost. This means that you should be able to offer certain security measures to your travelers so that as business travel slowly recovers, they feel safe to get going. 

4. Simple approach to data

Not everyone on your team is data-savvy, so you want to find a corporate travel management system that makes understanding data easy. Whether you’re a Finance manager , an HR or Office Manager , you need to have a system that allows you to visualize your data, including travel spend, seeing how much travel is booked within your travel policy, and using detailed reports to optimize routes, supplier relations and keep your travelers happy. Having data at your fingertips is the best way to optimize your business travel program. 

5. Allows you to save money

While optimizing your travel program, and understanding your data, you will without a doubt save money.  However, another very important part of business travel is having access to corporate travel deals . Not only does having access to deals save you money, but your staff will also be more productive because they don’t have to look in a million different places for the best deals. 

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GetGoing is your helping hand in business travel so that you can book, manage and optimize your business travel. We provide the ease of a digital platform but with the peace of mind of a travel agency.

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Home / Digital Marketing Blog / The Advantages and Disadvantages of Online Travel Agencies

The Advantages and Disadvantages of Online Travel Agencies

If you’re a business in the travel and tourism sector you’ve probably considered partnering with online travel agencies in an effort to boost your revenue. In this blog, we’ll explore the advantages and disadvantages of working with online travel agencies so you can make an informed decision about whether it’s the right choice for your business.

What is an Online Travel Agency?

An Online Travel Agency (OTA) is a digital platform that facilitates the booking and purchase of travel-related services such as flights, hotels, car rentals, vacation packages, tours, and more. Put simply, they are an intermediary between customers and travel suppliers, offering a centralized platform for travellers to search, compare, and book travel services online.

5 Advantages of Working with Online Travel Agencies

Working with OTAs can provide several advantages for businesses in the travel and tourism industry. Here are the top five advantages:

1. Increased Brand Awareness

Partnering with OTAs allows businesses to tap into their vast user base and reach a wider audience. Listing your business on popular OTAs such as Expedia or Booking.com may significantly increase your brand visibility and awareness among potential customers who may not have discovered your business otherwise.

2. Lower Cost of Operations

OTAs can handle various aspects of the reservation process, including managing bookings, handling returns or exchanges, and customer support. By offloading these operational tasks, businesses can reduce their internal workload and operational costs, allowing them to focus on other core areas of their operations.

3. Access to a Wider Customer Base

OTAs often cater to a diverse range of travelers, attracting customers of various demographics, regions, and preferences. By partnering with OTAs, businesses gain access to this extensive customer base, exposing their offerings to a broader audience and increasing the chances of attracting new customers who align with their target market.

4. Ability to Leverage Their Marketing Budgets

OTAs often have substantial marketing budgets to promote their platform and offerings listed on their site. By partnering with OTAs, businesses can benefit from this marketing power and leverage their advertising campaigns, reaching a larger audience and gaining exposure that may be challenging to achieve independently.

5. Simplified Bookings Process

OTAs typically provide user-friendly platforms that allow customers to browse, compare, and book various travel services seamlessly. By integrating your offerings into an OTA’s booking system, you can provide a hassle-free experience for customers, leading to increased bookings and customer satisfaction.

5 Disadvantages of Working with Online Travel Agencies

While there are several advantages to working with OTAs, there are also some drawbacks that travel and tourism businesses need to consider:

1. Lack of Direct Client Relationship

Since the OTA acts as an intermediary between the business and the customer, it can be challenging to establish a direct line of communication and build a personalized connection with clients, potentially limiting opportunities for upselling or personalized service.

2. Brand Dilution and Loss of Customer Ownership

By listing offerings on OTAs, businesses risk diluting their brand identity and losing ownership of the customer experience. Customers may perceive the services as being solely associated with the OTA rather than recognizing the business behind it. This can weaken the business’s unique selling proposition and diminish the opportunity to foster long-term customer loyalty.

3. Commission Fees

Working with OTAs typically involves paying commission fees for each booking or transaction facilitated through their platform. These fees can eat into the business’s profit margins and impact overall revenue. Therefore, the costs associated with commissions should be carefully considered and factored into your business’s financial calculations.

4. Limited Customization and Branding

Online travel agencies often have standardized templates and formats for presenting travel offerings, limiting the level of customization and branding that businesses can apply. This can restrict the business’s ability to showcase its unique features, highlight its value proposition, or differentiate itself from competitors on the OTA platform.

5. Dependency on Third-Party Platforms

Relying heavily on online travel agencies for bookings and customer acquisition can create a dependency on third-party platforms. While OTAs provide valuable exposure, businesses risk losing control over their distribution channels as any changes or disruptions in the policies, algorithms, or availability of the OTA platform could directly impact the business’s visibility and revenue.

Should You Work with Online Travel Agencies?

Deciding whether or not to work with OTAs is a strategic decision that requires careful consideration. While working with OTAs can expand your reach and boost your bookings, that doesn’t mean you should neglect your marketing efforts of generating direct bookings.

At Ontario SEO, we specialize in driving direct bookings for our clients in the travel and tourism industry. Our marketing campaigns can complement your OTA program or replace them. Contact us today to discover how our comprehensive digital marketing services can support your business goals and ensure a successful online presence.

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The 10 best online travel agencies in 2024

The top 10 online travel agencies.

• Booking.com
• Lastminute.com

Best online travel agencies for business travel

1. travelperk.

Main offerings and features:

• Industry-leading travel inventory
• Flexible booking with FlexiPerk
• Safety alerts with TravelCare
• Integrated travel policy & approval flows
• Centralized invoicing
• Easy & real-time expense reports
• Carbon offsetting with GreenPerk
• 24/7 fast customer support in target 15s
• VAT reclaim
• Integration with 3rd party tools , such as expense management or HR software like Expensify and BambooHR

Save time and money on your business travel with TravelPerk

2. sap concur.

• Works with some of the biggest brands
• Easy tracking and reporting of expenses for expense reports
• Many connected apps, such as Uber and Airbnb for cars and hotels
• One solution for a variety of business travel spending

Click below to compare both platforms’ features and benefits

• Ample integrations
• Award-winning mobile app
• Employee-centric travel management

Click below for a more detailed comparison between both platforms:

Best online travel agencies for leisure travel, 1. booking.com.

• Intuitive booking tool and website
• Flight + Hotel booking for easily planning trips with no cross-referencing travel websites
• Simple car rental options and taxi hire
• Available in over 40 different languages and offers over half a million properties across 207 countries
• You can book experiences in your destination city to entertain you on your travels
• Genius rewards program

• Simple interface and booking tool
• Deals when making more than one booking
• 38 different languages and offers a 24-hour, multilingual customer support service
• Free cancellation within 24 hours of booking
• Millions of reviews to help make your decision

3. Lastminute.com

• Filter hotels according to budgets, star ratings, guest ratings, board types, and more
• ATOL protection on flight + hotel bundles
• Flash sales for last-minute deals
• Payment plans to spread out the cost of travel
• Extra entertainment booking for your trips, like theatrical productions and day trips
• Gift cards for gifting travel

• Expedia rewards for hotels, cars, and more
• Experienced support
• Compare cruise lines
• Big savings when booking flights, hotels, and car rentals
• Operates in nearly 70 countries and in over 35 different languages
• Luxury travel options

• Book hotels, flights, cars, and bundles
• 24/7 support
• Lower prices on the app
• Great last-minute deals for spontaneous travel

6. Bookmundi

Best online travel agencies for flights

1. skyscanner.

• Super flexible booking filters
• Cheaper flights and hotels than other OTAs
• Price alerts for travel routes of interest
• Easy-to-use booking tool and UI
• Hundreds of location and currency options
• One-way, return, and multi-city travel options

2. Kiwi.com

• Simple flight booking tool
• Partnerships with Booking.com and Rentalcars.com
• Discover deals anywhere with the option to open up your search
• Easy-to-use app

How do online travel agencies work?

What are the advantages of booking through an online travel agency.

• Access to comparison tools
• Peer reviews to help you with your decisions
• Flexible cancellation policies
• All your travel in one place
• Local flights and deals

Rewards programs

Comparison tools, peer reviews, flexible cancellation.

Flexiperk: Cancel anytime, anywhere. Get a minimum of 80% of your money back.

One account for all of your travel needs, a local approach to global travel, wrapping up.

Make business travel simpler. Forever.

• See our platform in action . Trusted by thousands of companies worldwide, TravelPerk makes business travel simpler to manage with more flexibility, full control of spending with easy reporting, and options to offset your carbon footprint.
• Find hundreds of resources on all things business travel, from tips on traveling more sustainably, to advice on setting up a business travel policy, and managing your expenses. Our latest e-books and blog posts have you covered.
• Never miss another update. Stay in touch with us on social for the latest product releases, upcoming events, and articles fresh off the press.

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The benefits of online travel agencies

With the current brouhaha swirling around the scuffle between American Airlines and online travel agencies Orbitz and Expedia (in case you haven't heard, American has pulled its fares from Orbitz and Expedia has pulled American's fares from Expedia.com and Hotwire.com), I've seen a lot of blog post comments basically saying, "Who needs online travel agencies? What good are they? I always book directly with the airline's website anyway. Good riddance!"

But before we dance a jig around the grave of these third-party web sites, let's all take a deep breath and remember what travel agents — whether online or "bricks and mortar" — are good for.

Online travel agencies do at least six things well that airline sites don't (meta search sites such as Kayak offer some, but not all, of these advantages):

1. Quick and easy comparison of not just fares but schedules on many different airlines at a glance It's not just fares; it's schedules, too. If your main criterion is arriving, say, by 2 p.m. and aa.com shows all flights arriving by then at $300, then wouldn't you like to quickly see that another airline has 2 p.m. arrivals for $150?

2. Flexible date searches Let's say you can only see your girlfriend in Toledo when the fare is $150 or less and you'll travel any time it goes that low. Most airline sites just do flexible date searches over plus- or minus-three or –seven days (although aa.com does this over 30 days), making flexible date searches time consuming and tedious. Travelocity.com and Cheapair.com perform searches over 330 days ahead, and Orbitz.com, Hotwire.com and Cheaptickets.com do 30-day searches quickly and easily, plus they do so on many airlines at once. (Meta search sites such as Kayak typically only do a plus or minus one-to-three day flexible date search).

3. Multi-airline itineraries It might be cheaper flying your first leg on Airline A, your second on Airline B, and your third on Airline C. Online travel agencies (and good bricks-and-mortar travel agents) will work out the best fare in such scenarios; an airline site will keep you on its own system. Even meta search sites like Tripadvisor.com/Flights and Kayak will send you only to Expedia.com or Orbitz if the best deal is flying out on Frontier and back on US Airways.

4. Packages Ever notice the TotalTrip option on Travelocity? On some trips, especially last-minute ones, we've seen hotel plus air packages for half what air alone costs.

5. Opaque fares Sites like Priceline.com and Hotwire.com sell fares for less than airline sites as long as you don't care to learn the airline and exact flight times before you buy. You can save hundreds, especially on last minute fares.

6. Code share airfares Go to Orbitz.com and you'll often see an odd thing: two flight itineraries leaving and arriving at exactly the same time on two different airlines — let's say Alitalia and Delta. But Delta is selling the trip for $1,000 and Alitalia for $600. This is a code share arrangement. Delta has bought seats on Alitalia and is free to sell them at any price it chooses. Go to Delta.com and you'll only see the $1,000 fare. If you're a savvy traveler, you might think to check Alitalia's web site; if you're not, you'll overpay. Orbitz's fare matrix is the easiest way to quickly identify code shares (Orbitz's sister site Cheaptickets.com which, by the way, still shows American's fares, works the same way).

So here's the bottom line: if American ends up selling its fares the same way Southwest does (and as Airtran will after the merger) — i.e., only on its own website — and then Delta, United/Continental and US Airways follow suit, then you'll be spending a lot more time online looking for the best deal. And you'll probably end up spending more on airfare.

Sure, you can always use online travel agencies to find the lowest fare and then book directly with an airline, but that strikes us somehow as killing the "golden geese."

Are Online Travel Agencies Safe To Use? 👨🏻‍💻 17 Best Online Travel Agencies For Seamless Journeys: Travel Like A Pro ✈️

Are Online Travel Agencies Safe To Use? Online travel agencies are generally safe to use, but it’s essential to choose reputable and well-established platforms with positive customer reviews.

The rise of online travel agencies (OTAs) has made travel planning and booking extremely easy in today’s world.

By providing passengers from all over the world with a variety of services, offers, and packages, these platforms have changed the travel business.

Online travel agents can help you with your search for flights, hotels, holiday packages, or tours.

🤔 What are online travel agencies?

4. travelocity, 5. skyscanner, 6. lastminute.com, 8. trip.com, 10. booking.com, 11. expedia, 12. tripadvisor, 14. priceline, 15. cheapoair.

• 🧐 Things To Consider While Making Reservation Through OTA's

⭐ Advantages & Disadvantages of Online Travel Agencies

Q. is it cheaper to book online or through a travel agent, q. do online travel agencies offer better deals than airlines and hotels directly, q. can i trust user-generated reviews on online travel agency platforms, q. do online travel agencies provide customer support, q. are there any hidden fees when booking through online travel agencies.

• Q. Are the Online Travel Agencies Reliable?

Q. Do Online Travel Agencies offer personalized itineraries?

Q. are online travel agencies more expensive than booking directly, q. can i book international trips through online travel agencies, 😇 conclusion, 🗨️ tell us in the comments as per you which one is the best online travel agencies.

Online Travel Agency (OTA) is the name for a website that sells travel services. It lets customers book flights, hotels, and other trips all from one place. They are like a travel agent in the digital world.

📃 List of 17 Best Online Travel Agencies at Your Fingertips

After a lot of research and considering travelers’ reviews we have shortlisted some of the best online travel companies that are operational nowadays.

• Travelocity
• Lastminute.com
• Booking.com
• TripAdvisor

A US-based internet travel company called VRBO focuses on vacation rentals. Landlords and managers can directly register their houses on VRBO, similar to Airbnb.

When booking through Vrbo, visitors may also get travel insurance. In addition to being a part of one of the largest travel companies in the world, VRBO has a reputation for being a trustworthy lodging option.

A website called Parkos.com makes airport parking stress-free. Thanks to the company’s new online platform, potential consumers can now compare various airport parking and facilities, make a reservation, and pay for it in advance of their trip day.

Both locals and visitors have provided overwhelmingly good feedback since Parkos entered the parking sector in 2014.

All technologically aided services revolve around giving automobile owners confidence that their vehicles are safe when they are away from them.

The majority of people may gain more from this comparison, but those who drive pricey high-end cars may find it interesting.

Also Read: 10 Best Places For New Year Celebration

Hotel reservations are the focus of Agoda , a multinational online travel firm located in Singapore.

Along with many other comparable OTAs on this list, it is owned by Booking Holdings, the parent company of Booking.com.

The Agoda network, which offers more than a million hotels and vacation rentals, is primarily focused on the Asian economy but has now grown into Europe and the United States.

The company’s marketing strategy is centered on giving customers affordable or reduced housing.

In 1996, Travelocity was established as an online travel agency with several services for customers. It is owned and operated by the international travel service provider The Expedia Group.

You can check for airfare and hotel bundles, choices for a rental vehicle, cruises, and more using Travelocity’s website.

Additionally, you can read travel-related articles, order tickets for well-liked attractions, and communicate your journey arrangements with loved ones.

A well-known company with a big customer base is Travelocity. They provide a huge selection of vacation packages, many of which are aimed at families.

Skyscanner is a metasearch aggregator that gathers prices for flights, hotels, and rental cars from all online travel agents (OTAs) in one location. Booking flights and hotels with Skyscanner typically results in the most affordable options.

After making your choice, you will be sent to a third-party booking form on the Skyscanner website where you can complete the transaction and reserve your flight.

Skyscanner is used by millions of people to compare rates and options for their travel arrangements. Simply said, it compiles and presents to customers all of the offers from all online travel agencies (OTAs).

Also Read: 15 Best Countries For Solo Travel 

City hopping is a popular pastime in Europe because of how close together the cities are. Among the top three booking sites is lastminute.com .

In this OTA, flight bookings are made through an aggregator website, and hotel reservations are made through an OTA, both of which we have seen before.

Finding last-minute discounts on hotels, flights, and all-inclusive holiday packages is the specialty of the website lastminute.com.

If you’re brave enough to play the chicken, Last Minute has the best travel deals. For tourists looking for a dealer who isn’t scared to wait until the last minute, there are a couple of better OTAs. We’re certain to have the flight or hotel bargain you’re looking for.

Members of Airbnb are allowed to advertise their available lodging and accept overnight reservations. However, the business has added hotels and homestays to its list of offerings.

However, Air b nb is extremely particular about the standards it must uphold when it comes to hotels that can be offered on its platform.

The majority of hotels must demonstrate their distinctive design, how the neighborhood affects their rooms, and how guests can access communal areas.

The most economical choice may be an Airbnb vacation rental. Additionally, compared to hotels, you are more likely to locate more beds in the same property on Airbnb.

Many Airbnbs provide sofas or futons to accommodate larger groups. For longer visits, many of these hotels provide kitchens and washing machines, enabling visitors to save money by preparing their meals.

The largest OTA in China, Trip.com , a Chinese firm, created Trip.com, an international OTA. Trip.com’s marketing initiatives are primarily aimed at domestic and international travelers to China.

Contrarily, Trip.com has a partnership with Booking.com that enables it to broaden its global reach.

Today, Trip.com has hundreds of millions of users worldwide. The organization wants to give both domestic and foreign travelers the best travel experiences possible.

Wotif also owns LastMinute, a website that offers last-minute discounts on lodging, transportation, and other travel essentials to Australians and New Zealanders.

This local internet travel business mostly caters to travelers from the UK and Europe. On this website, tourists can search for and buy flights, lodging, auto rentals, excursions, and package deals.

Also Read: 11 Best Ways To Become A Travel Enthusiast

The biggest hotel booking website in the world, Booking.com , also lets you book travel and a rental car. It can be used by travelers to learn about different types of lodging, locations, and offers.

However, making reservations for different types of lodging is where its true power lies. For the typical person, it serves as an all-inclusive travel agency.

Hotels and other accommodation facilities are only billed by Booking.com after a reservation is made.

There isn’t a monthly cost that must be paid. An all-inclusive internet travel firm called Bookin.com provides lodging and travel options all around the world.

Online travel agencies (OTAs) are a business model used by many E x pedia Group businesses, notably Expedia, the largest OTA.

The company was founded in 2001 and was based in Bellevue, Washington, in the US.

It is one of the most prosperous travel companies in the world, having localized websites in more than 40 nations.

Expedia has provided access to flights, hotels, and rental cars for more than ten years. They are the largest travel company in the world.

Its marketing plan places a strong emphasis on the value of providing affordable lodging options.

Expedia is an excellent option if you want to pay for your airfare, hotel, and car hire all at once.

One of the most well-known travel platforms, TripAdvisor provides a variety of user-generated information in addition to booking services.

Travelers get access to reviews, images, and ratings posted by other travelers, allowing them to plan their trips with greater knowledge.

The website also offers the ability to compare flights and book excursions and other activities, making it a complete online travel agency (OTA).

A meta-search engine called Kayak searches the internet for the finest travel offers on several platforms.

It provides full results on a single page by comparing costs for airfare, accommodation, rental cars, and other services.

Users of its “Explore” feature can find new places to go and the most cost-effective times to travel.

Budget-conscious travelers choose Kayak because of its simple UI and time-saving features.

The “Name Your Own Price” option on Priceline is known for allowing customers to place bids on hotel rooms and rental vehicles at the prices they like.

Priceline provides regular booking choices like flights, hotels, and rental cars in addition to the bidding system, which may not appeal to everyone.

Travelers who are flexible with their travel plans can take advantage of their Express Deals feature, which offers big reductions on unpublished rates.

Travelers seeking low-cost airline options without sacrificing quality are catered to by CheapOair .

The network appeals to people who are concerned about their spending because it offers exclusive deals and discounts on hotels, flights, and car rentals.

CheapOair makes arranging travel reservations simple with its user-friendly interface and round-the-clock customer service.

Flights, hotels, holiday packages, and activities are just a few of the travel options that Orbitz provides.

Orbitz Rewards, the platform’s loyalty program, enables customers to earn rewards and take advantage of special member advantages.

If customers discover lower rates elsewhere, Orbitz guarantees they will be refunded the difference with its price guarantee promise.

Hotwire is known for providing significantly lower rates for accommodation, travel, and transportation.

Partner hotels can offer lower rates without publicly undercutting their usual pricing because the platform hides the identity of specific hotels until after booking.

For tourists eager to take advantage of this method of surprise booking, Hotwire’s “Hot Rates” provide huge savings.

🧐 Things To Consider While Making Reservation Through OTA’s

When making reservations through an Online Travel Agency (OTA), consider the following:

• Price and Deals: Compare prices and look for exclusive deals and discounts offered by the OTA.
• Cancellation Policies: Understand the OTA’s cancellation and refund policies to avoid any inconvenience in case of changes in your plans.
• User Reviews: Check user reviews and ratings to gauge the reliability and quality of the service.
• Customer Support: Ensure the OTA provides accessible and responsive customer support for assistance during and after booking.
• Hidden Fees: Be wary of hidden fees or additional charges that may not be clearly stated upfront.
• Booking Security: Verify the OTA’s security measures to protect your personal and financial information.
• Travel Insurance: Consider purchasing travel insurance for added protection against unexpected events.
• Flexibility: Choose an OTA that offers flexible booking options to accommodate any last-minute changes.
• Available Services: Confirm that the OTA offers the services you need, such as flights, hotels, car rentals, and activities.
• User-Friendly Interface: Opt for an OTA with an intuitive and easy-to-navigate website or app for a seamless booking experience.

Advantages of Online Travel Agencies

• Convenience: Users can book flights, hotels, and other travel arrangements from the comfort of their homes, saving time and effort.
• Wide Selection: Online travel agencies offer a vast inventory of travel options, providing a variety of choices for different budgets and preferences.
• Price Comparison: Users can compare prices across multiple airlines, hotels, and car rental companies to find the best deals.
• User Reviews: Travelers can read reviews and ratings from other users to make informed decisions about their bookings.
• Exclusive Deals: Many online travel agencies offer exclusive discounts and promotions for their customers.
• 24/7 Access: Online travel agencies are available round the clock, allowing users to make bookings at any time.

Disadvantages of Online Travel Agencies

• Hidden Fees : Some online travel agencies may have hidden fees or additional charges that are not disclosed upfront.
• Lack of Personalized Service: Unlike traditional travel agents, online platforms may lack personalized recommendations and support.
• Technical Issues: Technical glitches or website outages can cause inconvenience and delay in making bookings.
• Limited Flexibility: Some online travel agencies have strict cancellation and refund policies, limiting flexibility for travelers.
• Scams and Fraud: There is a risk of encountering fraudulent websites or services when booking through unknown or unverified platforms.
• Overwhelming Options: The abundance of choices on online travel agency websites can sometimes lead to decision paralysis for users.

🙋🏻‍♀️ FAQs For Online Travel Agencies

There are a lot of questions that come to our mind while making reservations through online travel agencies some of the commonly asked questions are answered below.

A. Booking online often offers better deals and discounts compared to traditional travel agents.

A. Yes, online travel agencies often negotiate special deals and discounts with airlines and hotels, which can result in more cost-effective options for travelers.

A. While most user-generated reviews are genuine and helpful, it’s essential to consider multiple sources and exercise discernment when making decisions based on reviews.

A. Yes, reputable online travel agencies offer customer support via phone, email, or live chat to assist with booking inquiries and travel-related issues.

A. While some online travel agencies may charge service fees or have specific booking terms, reputable platforms are transparent about any additional costs during the booking process.

Q. Are the Online Travel Agencies Reliable ?

A. Absolutely! Online Travel Agencies are reputable and reliable. They work with established partners and have a track record of excellent customer service.

A. Yes, they do! Online Travel Agencies take your preferences and interests into account to craft personalized itineraries tailored to your needs.

A. Not necessarily. Online Travel Agencies often secure exclusive deals and discounts, making them competitive with direct bookings.

A. Yes, you can! Best Online Travel Agencies offer a wide range of international travel options and guide visa requirements.

In conclusion, online travel companies have completely changed how we organize and book our journeys.

These OTAs have evolved into crucial tools for modern travelers thanks to their user-friendly interfaces, vast inventory, and affordable prices.

The top online travel agencies included in this article can assist you in organizing an enjoyable trip, regardless of whether you are an experienced traveler or preparing for your first excursion.

Also, don’t forget to book your personalized holiday package with  Fiery Trippers . Let us make your vacation a romantic as well as a dreamy getaway.

How far in advance should I book my flight? ✈️ 19 Best Website To Book Flights For Cheap Airfare

Unlock Your Adventure: 💡 Mastering the 23+ Best International Travel Tips for Seamless Journeys! 🌍✈️ Exclusive Offer Inside!

13 Things Not to Forget When Traveling Internationally: Essential Tips for International Travel

Rahul Siddharth

He is a dedicated travel writer with a wealth of 10 Years + experience that enriches his narratives. He holds a degree in Hospitality and Hotel Administration from IHM Dehradun, which he couples with hands-on expertise in the field. Drawing from his diverse experiences, Rahul's writings offer readers a captivating glimpse into the world of travel. Embark on a journey of exploration and inspiration with Rahul as your guide. Read More

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The Advantages of Using Online Travel Booking Portals

• March 22, 2023

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Online travel booking portals have revolutionized the travel industry by giving customers the convenience and flexibility to book travel arrangements from their homes. These portals have also brought significant benefits to travel businesses. This article will discuss the benefits of online travel booking portals for businesses.

Increased Visibility and Reach

One of the significant benefits of online travel booking portals is the increased visibility and reach businesses can achieve. Travel portals have millions of users worldwide visiting their websites to book travel arrangements. By listing their services on these portals, businesses can increase their visibility and reach a broader audience, attracting more customers to their services.

Improved Customer Engagement

Online travel booking portals allow businesses to engage with customers in real-time. These portals allow businesses to communicate with their customers through chatbots, emails, and notifications, providing them with up-to-date information about their travel arrangements. This engagement level helps businesses build strong customer relationships, improve customer satisfaction, and increase customer loyalty.

Streamlined Booking Process

Online travel booking portals have simplified the booking process for customers, making it easy for them to research, compare, and book travel arrangements. This streamlined process has resulted in increased sales for businesses. Customers can easily browse different travel options, compare prices and book travel arrangements with just a few clicks. This convenience has increased customer satisfaction and the likelihood of repeat business for travel businesses.

Increased Revenue

One of the most significant benefits of online travel booking portals for businesses is the increased revenue that they can generate. By listing their services on these portals, businesses can reach a broader audience and attract more customers. This increased visibility can increase bookings, resulting in higher revenue for businesses. Additionally, many online travel booking portals offer businesses the option to upsell their services, such as room upgrades, travel insurance, and airport transfers, further increasing their revenue.

Improved Marketing Strategy

Online travel booking portals allow businesses to improve their marketing strategy. These portals have a wealth of customer behavior and preferences data, which businesses can use to tailor their marketing campaigns. Businesses can create targeted marketing campaigns that resonate with their customers by analyzing customer data, leading to increased bookings and revenue.

Reduced Operating Costs

Online travel booking portals can help businesses to reduce their operating costs significantly. These portals provide businesses with a platform to list their services, eliminating the need for traditional marketing and advertising methods. Additionally, these portals automate many of the booking processes, reducing the need for manual intervention and reducing staffing costs.

Improved Operational Efficiency

Online travel booking portals can help businesses to improve their operational efficiency. These portals automate many of the processes involved in booking travel arrangements, such as reservations, payments, and confirmations. This automation helps businesses to reduce errors, eliminate redundant tasks, and improve the speed of their operations. As a result, businesses can provide their customers with a better experience, leading to increased customer satisfaction and loyalty.

Online travel booking portals have significantly benefited the travel industry, providing customers with convenience, flexibility, and a streamlined booking process. By leveraging these benefits, travel businesses can improve their marketing strategies, increase operational efficiency, and provide customers with a better experience, increasing customer satisfaction and loyalty.

Are you looking for online travel booking portal services in Washington, PA ? Globeo is here to make your business trips easy, manageable, and stress-free. Contact us today to learn more about our online booking portal!

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Advantages and Disadvantages of Online Booking Systems

June 23, 2021

For many companies that take bookings, there’s an unspoken rule – if it’s working well enough, don’t fix it. When it comes to taking bookings, that means many don’t stray from old fashioned telephone-based systems and scheduling tools, which typically require members of staff on hand to coordinate and organise bookings manually in real-time. We’re aware that sometimes, the advantages of online booking systems might not be immediately obvious. That’s why we’ve put together this guide to share with you the advantages and disadvantages of an online booking system .

Check out the full version of this article:

Download the PDF

Advantages and Disadvantages overview:

1. online booking systems and scheduling software save your staff time, 2. removing the bottleneck of phone booking systems, 3. greater sales and marketing synergy, 4. increased revenue thanks to upselling, 5. a modern approach to booking, 6. can come at a cost, 7. requires internet access.

Needless to say, there’s a better way of doing things. We speak, of course, about bringing appointments online, accepting payments and implementing online bookings. Online booking systems like BookingLive work by providing a secure and customisable booking platform by which your customers can see event availability, book and pay directly via credit card all on your site.

As a supplier of online booking platforms for customers both big and small, we’ve seen the impact an online booking platform can have on a business, boosting sales and greatly simplifying the booking procedure for both customers and staff.

Advantages of Online Booking Systems

1. online booking systems save your staff time.

When you think about the workflow of your customer service staff, it’s plain to see that an awful lot of time is taken up handling phone calls from people looking to book, explaining options to customers and managing schedules.

The demands of a phone-based booking system require a member of your staff is constantly available to handle bookings. You might not consider this a problem with customer service staff on hand, but consider the man hours which could be released by moving to an online booking platform.

Because BookingLive is fully automated, if there’s space available for a given date, your customer can choose their options, pick a date and time, pay and receive an email confirmation without any human interaction on your end – freeing up your staff to do more valuable things with their time. That’s a huge advantage of online booking platforms, and one which can greatly benefit your business.

Read more about how online booking systems save time here.

One of the major advantages of online booking page is that with phone-based booking software, you’re introducing a huge bottleneck into your business that can prevent customers from placing their bookings with you.

Most telephone booking systems rely on customers calling during office hours, but for many people, they simply don’t have the time to book whilst they’re in the middle of their work day. Not to mention the fact that only one caller can book at a time, unless your operating multiple phone lines (which, in turn, require more staff to deal with). This will not only free up your time but also may open up a new revenue stream.

No matter which way you cut it, that’s a bottleneck that can stifle success and reduce revenue.

Online booking and appointment scheduling platforms like BookingLive, on the other hand, offer the distinct advantage of letting customers book anytime and anywhere they see fit, on whatever device they’re using. It means immediately removing any bottleneck within your booking procedure and unlocking the true potential of your business.

There’s no disadvantage to be found from boosting your appointment booking availability, so don’t hold back on making an online booking platform a part of your online business strategy.

How often do you find yourself saying “all our information is on our website” a day? We’re willing to bet that it’s more than a handful. These days, our websites are more than mere contact information for our brick-and-mortar locations, they’re huge repositories of information regarding our business, what we offer and more.

So, why not offer the opportunity to book alongside that compelling copy? By making your customers leave your product page or website in order to place a booking order, you’re introducing unnecessary complications for your customers, cutting their chances of making the kinds of impulse bookings which bring so much revenue in.

4. A modern approach to booking

Today’s customers aren’t discovering companies through telephone books, and they aren’t finding information about your products and services by sending off for a catalogue. No, they’re increasingly finding out everything they need to know about you’re offering by heading online and via mobile apps.

There’s no shortage of reasons why that’s the case, but you’d be missing out on a huge advantage by not making the most out of the tremendous opportunity the internet offers businesses. By integrating your booking platform with your product pages, you can go where, increasingly, all of your customers are.

As telephone booking trend slowly dies, the competitive disadvantage of not having an online booking platform will widen, leaving you and small businesses especially behind. So keep up with the booking trend and move online.

5. Increased revenue thanks to upselling

In any business, you’re going to face immense competition, which typically leads to something of a race to the bottom in regards to price. That’s why it’s so important to upsell goods and services to your customers. That might mean a meal included on a tour, items available to hire for an activity or a follow on course.

Online booking platforms like BookingLive introduce upselling into the booking process, letting you offer context-specific items and offers to customers who might have come across them otherwise. It’s just another advantage of online booking platforms, and another way to help to grow your business in an age of internet-first bookings.

Learn how to optimise the online upsell with your online booking system here.

Disadvantages of Online Booking Systems

One of the major disadvantages of online booking systems is that, for all their positives, they do come at a monetary cost – don’t believe all the promises of free trials or free online booking systems.

Some charge you per transactions, whilst others charge a flat monthly fee for booking services, so you’ll always know how much you’re paying. Custom made online booking platforms will charge you a hefty lump sum up front, as well as recurring costs for bug fixes and support.

Ultimately, the benefits of an online booking system for your business far outweigh the small monthly cost it would take to implement one, but the notion of cost is something you’re going to have to come to terms with. To find out more about our pricing click here .

Though internet access is widespread these days, it remains true that one of the major disadvantages of online booking systems are their reliance on internet connections. In order to book through an online booking system, your customers will have to have access to the internet. This can be on their smartphone, tablet, computer, laptop or any other internet-enabled device.

That’s why at BookingLive, our system enables you to maintain telephone bookings, plugging the information directly into our system so you can easily maintain and manage your bookings, even from non-online bookings.

Online booking systems open your business up to a range of opportunities including maximising social media, from saving your staff time to a new revenue stream through offering to upsell items.  So keep up with the online booking trend today and contact us, where a member of our staff would be more than happy to discuss how we can help you implement an online booking system.

To see what our current customer’s experience of an online booking system then watch this video!

Written by Sam Johnston , CMO at BookingLive.  

BookingLive: Find out more

Now you’ve weighed up the advantages and disadvantages of an online booking system, find out more about BookingLive’s scheduling system and its partnership with organisations going through digital transformation, and how BookingLive can bring its 10+ years of successfully servicing the public & private sector to support you with your department’s digital goals, please contact us via email, [email protected] or call +44 (0)117 933 8632 to speak with one of our Solutions Specialists.

BookingLive: Get started with a FREE online scheduling & booking automation system today

Claim a free mobile-first online booking system account below, this system is free to use, simple to set up and if you want to take and automate your payments through the system it’s pay as you go with a 2.4% charge covering your Stripe and payment fees as and when you take a payment. We are supporting thousands of business owners across 74+ countries with PAYG online booking automation systems. With your free account, you can set up your products and services in under 5 mins and have your bookable items live and ready for customers to purchase 24/7 on any device from anywhere. If you want to take payments through your online booking & scheduling system it is charged PAYG meaning that a small percentage is charged per sale made.

This flexible risk-free solution provides small business owners with an industry-leading customer experience, automation of administration tasks, automated payment handling and it doesn’t cost anything until you make a sale.

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Maximizing your business potential: The benefits of Online Travel Agents

Working with different selling techniques and channels is necessary for most tour and activities operators.

There are many ways to promote your tours. You can advertise your website on Google My Business, Social Media, and OTAs. Websites like TripAdvisor and Viator are key distribution channels; Tripadvisor, for example,  has over 1 billion reviews and opinions of nearly 8 million businesses . Travelers are reaching out to OTAs for information, comparison, and bookings.

To help you make the best of working with Online Travel Agents (OTAs), in this blog, you'll learn about how they work, their benefits, and how they can increase your bookings.

What are Online Travel Agents (OTAs), and how they work

Let's start from the beginning; after all, what are OTAs? Online Travel Agents are websites or platforms that allow travelers to book travel-related services; this includes flights, rental cars, tours, activities, hotel rooms, and vacation packages. Some popular OTAs include Expedia, Booking.com, Travelocity, and Kayak.

OTAs offer many benefits for travelers; here  are some:

• Travelers can compare their preferences, budget, and travel dates with different operators in a user-friendly way and choose the most suitable tour.
• They can book and pay all in one place - e.g., the flight, hotel, and activities. According to  research by Travelport , 45% of travelers prefer booking the entire travel experience - flights, accommodation, car rental, and extras - on a single website.
• OTAs usually offer great customer support, helping travelers with any queries, changes, or cancellations to their bookings.
• Find the best option through genuine and reliable reviews that previous customers left.

In general, the intention of OTAs it's to make it easier for travelers to find, compare, and book travel services from different suppliers in one place.

Benefits of working with OTAs for tour operators

While we learned the perks of booking through OTAs for travelers, tour operators can also take advantage of the websites and platforms.

Here are some benefits of working with online travel agents (OTAs) for tour and activity operators:

• Increase your visibility.  One of the best benefits for tour operators when working with an OTA is the increased visibility to a broader audience of potential customers. Keep in mind that OTAs often have large marketing budgets and established online platforms that attract more travelers when compared with your website, for example.
• Find new partners to work with.  OTAs can offer tour operators access to their extensive network of other travel industry partners, which can help reach new travelers and grow the business.
• For those who don't have a booking solution, OTAs offer a simplified booking. Online agents often offer easy-to-use booking systems that streamline the booking process for tour operators and their customers.
• Improve your customer experience.  As we mention, many OTAs offer customer service support, which can help tour operators provide a better overall customer experience. This is particularly useful for small tour operators who may need more resources to offer extensive customer support on their own.
• Stay competitive in the travel industry. OTAs often provide competitive pricing, which can help operators attract customers who are looking for the best deals.

While working with online agents has many perks, remember that OTAs earn a commission or a fee for each booking made through their platform. This means that only some of the booking price will come directly to you.

To know more about getting bookings from your website, read  OTA vs Direct Booking: what is the best option in 2022 .

Top travel agencies in the world: OTAs you can work with

Before working with any OTAs, keep in mind that you need to research the best option for your business and read the agreements, such as policies for refund and cancellation, terms and conditions, and all the relevant information, so you don't experience any unpleasant surprises.

You can learn more by reading the article  10 tips to make more money with OTAs .

They provide travelers with flights, hotels, vacation packages, vacation rentals, cruises, activities, attractions, and services. For activities providers, they offer to show your experience through " Expedia Local Expert " to visitors who want to explore your location.

The Expedia Group, Inc, 2022, had a global revenue of 11.7 billion U.S. dollars. The group subsidiaries many websites, such as Expedia.com, Vrbo, Hotels.com, CarRentals.com, CheapTickets, Hotwire.com, Orbitz, Travelocity, and trivago.

This OTA focuses its services on tours and activities, and they offer to reach over 455 million visitors. According to the website, " Viator  is a platform that lets you create experiences that travelers worldwide can book, whether it's guided tours or surfing lessons.".

To create a profile in Viator, you must have a Tripadvisor profile.

GetYourGuide

A platform that offers travel experiences. They offer tour and activities providers to reach a global audience, and according to  GetYourGuide  "gain access to 50 million visitors per month from 190+ countries with your products optimized in 14 languages".

TripAdvisor

According to them, "travelers go to  Tripadvisor  to find deals on accommodations, book experiences, reserve tables at delicious restaurants and discover great places nearby. "

How a channel manager works and helps boost your bookings

Increasing bookings and managing a business can be challenging. Updating relevant information, such as prices and availability on multiple platforms in real-time, can take too much time, and it's an operator prone to human error. You can work with a channel manager to avoid all the work and disturbing your business.

With a  channel manager, such as TrekkSfot's , you experience many benefits, such as:

• Increase bookings. Sell over different OTAs such as Viator, Expedia, GetYourGuide, and many others simultaneously.
• Manage your bookings on one dashboard. Have your inventory updated in real-time and manage availability and pricing in one place.
• Track your sales and make data-driven decisions. Check which channels are selling more and adjust capacities across the channels you're working with.

If you want to know more about the ultimate booking solution that can help you manage your sales with OTAs and much more, get a demo!

Posted by Gabriela Cofre Torres

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4 Benefits of Using Online Travel Service over Local Travel Agent

I don't know if you've noticed or not, but the age of using online travel services is suddenly here when it comes to coordinating one's travel plans. It is interesting to see how travelers' behavior has changed: instead of visiting their trusted local agent, they are now more inclined to book a tour right on the Internet. Why? I guess everything happens for a reason. If you are planning a trip abroad, I can list four benefits of using online travel services like Odynovo over using the travel agent in your neighborhood.

1. It saves time and money

Use online travel services to save time & money

I can't praise online businesses more about how handy they have become. Unlike "brick-and-mortar" businesses, Odynovo is open 24/7, even throughout holidays. You don't have to drive miles or wait until opening hours to reach a travel expert to craft your itinerary; a few clicks and a little typing will do, and we can make international calls that suit your time zone and lifestyle. This is especially convenient for parents who are only free when their children go to bed, as well as people who must work in the daytime and who don't have easy access to the nearest tour office. Working with an online travel service provider also avoids the pressure of a face-to-face conversation. You will have enough time to go over your options and make decisions without someone looming over your shoulder. In addition, online travel services don't charge any consultancy fees, which you usually have to pay at a physical store for their time and personal service. SmartMoney.com reveals that a sum of $250 is required for some to plan an international trip. Nevertheless, this doesn't apply to online businesses. Take Odynovo for instance: you send a tour inquiry stating your budget and places that you want to visit, and one of our professional travel consultants will get back to you with a quote and travel advice in less than 24 hours – at no cost! Any requests for changes will not cost a penny either until you are entirely satisfied with the tour program and ready to go with us.

Isn't $250 saved $250 earned? 

Travel with Odynovo to save time and money

Check out our 10 Most Popular China Private Tours  

2. The online guys provide expert insights and a safety net for your trip 

Don't forget that those who sit behind the computer and handle your tour request are real people who travel a lot too - at least that's how it is at Odynovo. We regularly visit the places we advocate to make sure they are still attractive to you. The hotel and restaurant recommendations you get from us are not picked randomly; instead, they are selected out of dozens on several "field inspections". This insider perspective makes Odynovo truly an expert, with really good travel consultants who add value to change a typical vacation into a more special experience for our guests. The on-site vetting enables us to know like the back of our hands how to make transport connections, where to go in a city, find comfortable accommodation and the best cocktail bar, all arranged in line with your interests as well as special requirements.

You will have someone to turn to should there be questions, such as what to pack or how much things cost. During your trip, there will be 24/7 ground support that you simply won't get by booking through the tour office in town.

The lack of firsthand expertise also cramps traditional travel agents, whose knowledge of destinations is merely acquired from printed brochures or the web. Though they can book different tours for you, it is unlikely that they have been there and are experts at your destination. The proposed itinerary is crucial to a once-in-a-lifetime journey, so let the professional expert help you see to it.

3. It's easy to check out what people say about them

While many traditional travel agents don't even have a website, online travel services have a great presence on the Internet, because it is where people find them and decide whether to place trust in them or not. It's more than easy to see what former guests say about the online travel business. In addition to the testimonials posted on their website, TripAdvisor reviews and Facebook reviews are also reliable sources as business owners don't have control over deleting any of users' posts. Good or bad, travelers like to share their experiences and that works as a useful reference. Paid advertisements are possible, but hundreds would be difficult to make up. You are free to read the reviewers' profile or private message him/her for detailed information.

Genuine reviews from Odynovo's customers

Thousands of Odynovo guests have left feedback on customer rating and review platforms including TripAdvisor,  Facebook (2,792 reviews), Trustpilot, and ProductReview after they traveled with Odynovo (10,000+ positive reviews so far). This is hard for a traditional travel agent to achieve due to privacy concerns, but more often, because of the unwillingness to demonstrate negative sentiments. 

4. They can make your multi-destination holiday seamless

You want to make the holidays count by taking a multi-country trip – but wait, the local staff can only arrange one of them because they have no contacts in other places? Too bad! So you have to mingle with two or more travel agents for different destinations at the same time, ending up being dizzy at the tour programs and spending more cash for their separate services. 

If this describes you, the online travel service can be a lifesaver. The Internet offers limitless possibilities, and there are very few places in the world that you can't travel to when you work with an online tour operator. The seemingly complicated request of doing regional travel especially becomes a simple task for Odynovo, who takes custom tours to more than one continent: Asia, the Middle East, Africa, South America… World cruises and vacation packages are also on offer since the recent expanding progress. It will be the same one person to plan all of your multi-country trips and you can always get priceless insider advice from him or her. I have seen some guests book their cruise voyages with land excursions in Hong Kong, Vietnam, Thailand, and Singapore through Odynovo. All went well without a hitch. 

With the four benefits mentioned above, it has gotten to the point that online travel service provides more value than traditional travel agents. We provide private tour services for over 15,000 travelers each year, and we know how to turn your longed-for trip into a memorable experience. Contact us at [email protected] and let our travel experts make your dream come true. 

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9 Free Services to Take Advantage of Now

Text Callout : Key Takeaways - 9 Free Services to Take Advantage of Now

When you need to be careful with money, taking advantage of what's available at no cost to you is powerful. Reducing expenses this way can help alleviate financial stress brought on by inflation.

Higher prices on goods and services have caused most Americans to make major adjustments to their budgets. According to a 2024 Wells Fargo Money Study , the state of the economy has caused 67% of respondents to cut back on spending.

Free things can expand or refine your budget and help you get the most out of life, even when cash isn’t tight. Here are nine free things or services that you can get online or in person:

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1. Credit Card Benefits

Most credit cards come with plenty of free perks, so log in to your account and review your list of benefits. Odds are there are at least a few that will replace the things you normally pay for.

For example, you can save yourself the checked bag fee (often up to $40 per piece) if your travel card includes it. Your card may also provide you with annual passes to expensive airport lounges, and credits for things like Uber and Lyft, streaming services, food and beverages at the airport and on the plane, TSA PreCheck and Global Entry.

Buying travel insurance may be a waste if your account includes it. You may be covered in case of delayed, lost or damaged luggage; trip delays and cancellations; and medical treatment – all without having to pay for a separate policy.

Other cards come with valuable extras, such as Bank of America’s Museums on Us program, which grants credit and debit card holders free general admission at participating museums on the first full weekend of the month.

2. Items and Programs at Your Public Library 

You can borrow books at the public library instead of buying them, which can save you money on its own, but you may be surprised to learn what else is available. Most libraries offer an array of freebies, such as passes to local attractions, family events, classes, lectures and summer and after-school programs for the kids. Ask the librarian or visit your branch’s website.

“Your library is a haven of free entertainment,” says Andrea Woroch, a writer, speaker, media consultant and money-saving expert from Bakersfield, California.

"You can access media right from home through your mobile device or computer, as many libraries give members the ability to rent video content and e-books through their digital platforms – all for free. Essentially, this means you could cancel your various streaming services and save big on entertainment by using your library,” Woroch says.

Depending on your branch, you may also have free access to activity kits for children, garden supplies, board games and toys, and even tools. Why buy when you can borrow?

Some libraries even give things away, so check regularly to see what’s available. For example, the San Francisco Public Library distributes free drug and alcohol recovery books to the public.

"There’s no need to check them out, they’re yours to keep,” says Doreen Horstin, Park Branch Library manager. “The library hopes to expand the pilot program to all 27 branches in the coming year.”

3. Money-Management Apps

To help you better manage your money, financial technology can come to your rescue. The majority of budgeting applications are free (or have a free version) for users, and they're aimed at helping you keep track of your expenses and increase your net worth .

Apps like YNAB and Rocket Money can help you get your finances in order and set a budget that helps you reach your various goals, whether they’re saving for a big purchase or paying down debt.

“After linking all your financial accounts in one place, the app suggests a budget based on spending categories it pulls up and financial goals you input,” Woroch says.

Many of these apps will send alerts when you’re about to meet your budget cap for each spending category, a prompt that can help you avoid wasteful spending.

4. Travel Advisor 

You can make all of your travel arrangements on your own, but why not save yourself a major headache? Contact a travel advisor who will do it all for you – for free.

Many are paid by commission when they do the booking for you but some do charge fees, so ask up front. If you have an AAA membership, its travel agents are included in the price, so consider taking advantage of that next time you want to book a trip.

To ensure you’re working with a professional, ask if they're a member of the American Society of Travel Agents and certified by The Travel Institute. The advisor you work with can help you figure out where you want to go based on your style and budget, as well as book a rental car, flight, accommodations and tours.

If you get into trouble while you’re on the trip, the advisor can even step in and assist from afar.

Jackie Friedman, president of Nexion Travel Group, host agency for more than 5,000 travel advisors, says travel advisors also have access to special promotions and discounts – and some will even help make your trip special with upgrades to a premium flight cabin or a welcome basket in your hotel room.

5. Hotel Concierge

After arriving at your hotel or resort, scout out the concierge desk. The people who work there can be particularly helpful when you’re new to the area and don’t want to overspend on tourist traps.

Concierges can give you shopping advice, local travel guidance and maps. They can also arrange for taxis and other types of transportation, and make reservations for restaurants, shows, tours and attractions. Some will even go the extra mile and create a custom itinerary tailored for your budget.

Be aware that while concierges don’t charge hotel guests for their services, they gladly accept gratuities for any help they give beyond answering basic questions.

6. Small Business Advice 

When you want to launch your own business and are looking for support, you don't need to spend a dime to get the best advice from people who have years of experience.

SCORE is a nonprofit organization and resource partner of the U.S. Small Business Administration (SBA) – and it provides its services for free to any U.S. citizen or permanent resident.

After enrolling in the program, you're partnered with a SCORE mentor in the industry you’re interested in. That person will provide you with individualized support, guidance, best practices consulting and education regarding the small business world.

Also check out the SBA's Small Business Development Centers that are located throughout the U.S. At no charge to you, you will have access to professional advice that can help you with business planning, marketing, problem solving, technical assistance and acquiring capital.

7. Fitness Training

A personal trainer can help you get into shape, but Lessons.com reports that the average cost is $40 to $100 per hour at the gym, and $100 to $175 per hour (or more) at home.

Whether you’re joining or already a member of a health club, find out if you're entitled to free personal training, says Trae Bodge, a journalist and shopping expert in Montclair, New Jersey. If you don’t remember mention of it in the contract, head to the front desk and find out if it’s free for members.

“No matter how experienced you are, this is always something to take advantage of,” Bodge says. “The trainer will know the gym inside and out and will hopefully teach you something new based on your fitness needs. The number of sessions you can get for free varies by health club but if you get only one, ask the trainer to design a routine that you can follow on your own.”

Another free option: YouTube videos. Although it's not the same as working with a professional in person, the variety is astronomical. Experts like Pamela Reif and Juice & Toya are always at the ready, and won’t cost you a penny.

8. Budget and Debt Assistance  

If you wind up in financial trouble, don't despair. You can get free access to a credit counselor who's ready to help.

“Credit counseling may involve analysis of a consumer’s financial situation, evaluation of debt reduction strategies for paying off or managing debt and education about money management,” says Madison Block, product marketing manager for American Consumer Credit Counseling Inc.

The credit counseling agency will connect you with a trained professional who will review your entire financial picture without judgment. You’ll receive advice on budgeting and planning and get resources specific to your situation.

To ensure you connect with an agency that doesn’t charge for this service, visit the National Foundation for Credit Counseling or the Financial Counseling Association of America .

9. Tax Preparation Help  

You can pay to have someone prepare your taxes, but you may not need to. The IRS has several free programs.

Through the IRS Free File program, you can file your taxes for free with guided tax preparation software. To qualify, your adjusted gross income must be $79,000 or less. Visit the IRS Free File: Guided Tax Software page .

Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) are also free programs operated by people trained and certified by the IRS.

The general eligibility requirement for VITA includes an income of no more than $60,000. You may also qualify if you have a disability or English-language limitations. TCE is for people who are 60 and older and is particularly good for senior citizens who have questions about pensions and retirement plans.

To locate a nearby VITA or TCE site use the IRS’s VITA locator tool or call 800-906-9887.

The Bottom Line on Freebies

There’s no need to pay for something when you can get the same or similar service for free. Not only is it a gratifying feeling, but you can use the money you don’t spend on other expenses or to save for future goals.

Consider this list a start. Once you begin looking for freebies, you may find them in plenty of other places.

Copyright 2024 U.S. News & World Report

• Credit Cards

Best Business Credit Cards

Best business credit cards of june 2024.

Expert Reviewed

Updated: May 31, 2024, 8:01am

Business owners know every penny they spend counts. When it comes to making the most of business transactions, using a business credit card can be a rewarding strategy.

Business credit cards can offer a range of benefits. These include rewards or cash back, loyalty points, travel protections and expense management. The key to finding the best business credit cards for you is identifying which of those factors matter for your business and determining what you value most: rewards, cash back or help with building credit.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 48 business cards ranked
• 13 types of businesses considered
• 6,500 data points collected
• 53 years of industry experience
• Ink Business Preferred® Credit Card : Best Ultimate Rewards-Earning Business Card
• The Business Platinum Card® from American Express : Best Business Card for Travel Benefits
• Venture X Business * : Best Offer for New Business Cardholders
• Capital One Spark Miles Select for Business * : Best Flexible Rewards Business Card With No Annual Fee
• The Blue Business® Plus Credit Card from American Express : Best Flexible Rewards 0% Intro APR Business Card
• The American Express Blue Business Cash™ Card : Best Cash-Back 0% Intro APR Business Card
• Capital One Spark Cash Plus * : Best Cash-Back Card With No Preset Spending Limit
• Spark Cash Select from Capital One * : Best No Annual Fee Cash-Back Business Card
• Ink Business Cash® Credit Card : Best Cash-Back Business Card for Category Bonuses
• Ink Business Unlimited® Credit Card : Best Flat-Rate Cash-Back Business Card
• JetBlue Business Card * : Best Business Card for Coast-To-Coast Flights
• Southwest® Rapid Rewards® Premier Business Credit Card : Best Midrange Airline Business Card
• United℠ Business Card : Best Business Card for United flyers
• Southwest® Rapid Rewards® Performance Business Credit Card : Best Business Card for Domestic Flights
• IHG One Rewards Premier Business Credit Card : Best for Long Business Trips
• World of Hyatt Business Credit Card : Best Hotel Card for Businesses
• Wyndham Rewards Earner® Business Card * : Best Business Card for Road Warriors
• The Hilton Honors American Express Business Card : Best Hotel Business Card for Global Reach
• U.S. Bank Triple Cash Rewards Visa® Business Card * : Best Rewards-Earning Balance Transfer Business Card
• U.S. Bank Business Platinum Card * : Best Long-Term Balance Transfer Business Card
• Best Credit Cards Of 2024
• Best Credit Card Sign Up Bonuses
• Best Cash Back Credit Cards
• Best Travel Rewards Credit Cards
• Best Student Credit Cards

Ink Business Unlimited® Credit Card

1.5% Reward Rate

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

Welcome Bonus

Earn $750 bonus cash back

Regular APR

18.49% - 24.49% Variable

Credit Score

Excellent, Good (700 - 749)

Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.

• Unlimited 1.5% cash back rewards on purchases
• No annual fee
• Generous welcome bonus
• 0% Intro APR on purchases for 12 months
• Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
• High foreign transaction fees
• Not a good card for balance transfers
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• 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.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Best Flexible Rewards Business Cards 2024

Best ultimate rewards-earning business card, ink business preferred® credit card.

Up to 3X Reward Rate

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and Read More

Earn 100,000 bonus points

21.24%-26.24% Variable

Chase Ultimate Rewards® are a highly coveted form of flexible points, and the Ink Business Preferred® Credit Card earns them at elevated rates.

Why we like it

Some earning categories have caps for bonus points, but the limits are high enough that it won’t impact some businesses.

What we don’t like

The travel protections on this card are substantially less inclusive than what you’d find on premium personal cards.

Who it’s best for

Business owners who are interested in flexible travel rewards.

In this age of digital media, many small business owners find themselves spending significant money on social media ads. That makes the Ink Business Preferred and its bonus earning on advertising purchases with social media sites and search engines incredibly valuable. Plus, you’ll be able to transfer your rewards to any of Chase’s airline and hotel partners directly from the card without needing to combine them with any other personal Chase card.

• Remarkable welcome bonus
• No foreign transaction fees
• Employee cards at no additional cost
• Rewards for common business expenses
• Has annual fee
• Rewards cap on high earning categories
• Potential gaps in reward coverage for key business categories
• 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
• 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.

Best Business Card for Travel Benefits

The business platinum card® from american express.

Up to 5X Reward Rate

Get 5X Membership Rewards® points on flights and prepaid hotels on American Express Travel; Earn 1.5X points on eligible purchases Read More

Earn 150,000 points

19.49% - 28.49% Variable

Good,Excellent (700 - 749)

Small business owners who can take advantage of the many statement credits and travel benefits that are offered by The Business Platinum Card® from American Express  could find value well in excess of its annual fee.

The travel perks that are included with this card can make business travel far more comfortable.

You’ll need to pay close attention to fine print, deadlines and enrollment information in order to use many of the card’s benefits.

Business owners who will regularly use the included travel perks.

The 35% points rebate is the quiet hero of this card. It makes essentially any first or business class redemption guaranteed to be worth 1.5 cents per point (along with all tickets on the airline of your choice). In an era where award availability can be hard to find, that’s a feature you’ll likely find yourself utilizing on a regular basis.

• Excellent welcome bonus
• A slew of potential statement credits
• Extensive airport lounge access
• Rich suite of travel perks
• High spending requirement to earn welcome bonus
• Annual fee and additional cardholder fees are very high
• Limited spending bonus categories
• Some credits are doled out in increments, making them harder to use
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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 statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $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 the 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 the 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.
• Terms Apply.

Best Offer for New Business Cardholders

Venture x business *.

Earn 150,000 bonus miles

The Venture X Business * has one of the largest welcome offers on the market and earns double points on all purchases.

There are some easy wins from the card’s benefits, including an annual travel credit and airport lounge access.

The Venture X Business requires payment in full, so your business will need to have reliable cash flow.

Business owners who want to earn flat-rate transferable miles.

While many credit cards offer Priority Pass membership, there are only a few that actually come with restaurant benefits still attached. The Venture X Business card’s priority pass membership still allows for restaurant access for you and up to two guests, equating to up to $84 in credit at select airport restaurants worldwide.

• No preset spending limit
• Unlimited 2 points per dollar on all purchases (more on some travel purchases)
• Impressive travel benefits
• Free employee cards and virtual cards
• Dedicated support from business representatives
• Annual bonuses
• High annual fee
• Full card balance must be paid every month
• Earn 2 miles per dollar spent on every purchase
• Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
• Annual $300 travel credit for bookings through Capital One Travel
• 10,000 bonus miles each year after the first membership anniversary

Best Flexible Rewards Business Card With No Annual Fee

Capital one spark miles select for business *.

Earn unlimited 1.5X miles per dollar on every other purchase; earn unlimited 5x miles per dollar on hotels and rental Read More

50,000 miles

Though light on perks, the Capital One Spark Miles Select for Business * is easy to manage since it earns flat-rate rewards without an annual fee.

Cardmembers have access to more than 15 travel partners they can transfer miles to for award redemptions, which is impressive for a no annual fee card.

Capital One has lousy redemption rates if you prefer to convert your miles to cash.

Business owners who prioritize travel rewards but can’t justify an annual fee.

While this card’s benefits are limited, it is one of the few no-annual-fee cards that allows transfers to airline and hotel partners. With its flexible rewards, businesses can also redeem them in many ways, including cash back, travel or covering previous travel purchases.

• No foreign transaction fee
• Earn unlimited miles that never expire
• Miles can be transferred to Capital One’s travel partners
• Business management tools including quarterly reports
• Free employee cards
• No intro APR offer for balance transfers
• High penalty APR
• Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
• Use your miles on flights, hotels, vacation packages and more—you can use your miles to cover eligible travel purchases to over a dozen travel partners
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Free employee cards which also earn unlimited 1.5X miles from their purchases

Best 0% APR Cards for Businesses 2024

Best flexible rewards 0% intro apr business card, the blue business® plus credit card from american express.

Up to 2X Reward Rate

Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter

Earn 15,000 points

18.49% - 26.49% Variable

Excellent/Good (700 - 749)

The Blue Business® Plus Credit Card from American Express  earns 2 points per dollar on the first $50,000 of spending annually, which may be enough for small businesses. An intro APR offer sweetens the deal.

Double miles without an annual fee is an excellent and uncommon combination.

The introductory APR period only lasts for 12 months.

New businesses and independent contractors who prefer flexible rewards.

For small businesses looking to earn valuable travel rewards at a rapid clip, you can’t go wrong with the Blue Business Plus. Its simplicity means you won’t have to worry about maximizing bonus categories, and it’s also the only small business card that can transfer points to any of Amex’s airline and hotel partners without ever having to pay an annual fee.

• Wide variety of airline transfer partners
• High rewards rate on the first $50,000 in annual spending
• There’s a foreign transaction fee
• 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• Terms Apply

Best Cash-Back 0% Intro APR Business Card

The american express blue business cash™ card.

Up to 2% Reward Rate

Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back on Read More

Earn 2% cash back on the first $50,000 in spending, and pay no annual fee while also receiving an introductory APR offer.

This card excels in simplicity with its flat-rate (yet still generous) cash back.

The 0% intro APR offer is enticing, but only lasts for 12 months.

New businesses and independent contractors who prefer simple cash back.

For companies with moderate spending, the Blue Business Cash offers one of the simplest deals for earning rewards. Businesses earn a strong 2% cash back on purchases without needing to pay an annual fee or remember bonus categories, all while getting other popular Amex perks like rental car insurance ¹ and vendor payment tools.

• Introductory APR on purchases
• Great extra benefits like purchase protection and car rental insurance
• Business-oriented benefits like employee cards and authorized manager accounts
• Highest-earning cash-back reward capped after $50,000 in annual spending
• No low introductory APR for balance transfers
• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

Best Business Cash Back Cards 2024

Best cash-back card with no preset spending limit, capital one spark cash plus *.

Earn unlimited 2% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked Read More

Earn a $1,200 cash bonus

Excellent (750 - 850)

The Capital One Spark Cash Plus * differentiates itself as a top-tier option by offering a generous welcome bonus, easy rewards and flexible spending limits.

The flat-rate rewards mean your business has one less thing to think about when you’re already mentally stretched.

This is a charge card that requires payment in full every month, which leaves less flexibility for your company.

Businesses that are able to pay their card in full while earning flat-rate cash rewards.

This card offers huge value for businesses that spend heavily. However, they must be able to pay off their purchases in full each month to avoid its massive late fee penalties.

• High 2% cash-back rate applies to all purchases
• Earn unlimited 5% on hotels and rental cars booked through Capital One Travel
• No intro APR offer
• Card balances must be paid in full each month
• Earn a $1,200 cash bonus after spending $30,000 in the first three months
• Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
• $150 annual fee
• Free employee cards, which also earn unlimited 2% cash back on all purchases
• Get your annual fee refunded every year you spend $150,000
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount

Best No Annual Fee Cash-Back Business Card

Spark cash select from capital one *.

Up to 5% Reward Rate

Earn 1.5% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Read More

18.49%, 21.49% or 24.49% Variable

Businesses that can’t justify paying an annual fee will still earn above-average rewards with the Spark Cash Select from Capital One * thanks to a straightforward structure.

The cash bonus available to new cardholders could seriously help small businesses.

It may be possible to find a flat-rate card that offers a better return if your business is well qualified.

Business owners who prefer cash-back rewards without an annual fee.

Businesses of any size will enjoy straightforward minimum cash-back opportunities on this card plus increased earnings on travel when booked directly through Capital One Travel.

• Earn 1.5% cash back
• Chance to earn a welcome bonus
• Excellent credit required
• Spending requirement to earn bonus is high
• Earn unlimited 1.5% cash back on eligible purchases
• Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening

Best Cash-Back Business Card for Category Bonuses

Ink business cash® credit card.

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable Read More

Earn up to $750 bonus cash back

The Ink Business Cash® Credit Card bumps your cash-back rates up in several spending categories, all without charging an annual fee.

The earning rate at office supply stores and toward internet, cable and phone services is sky-high for a business card.

Cardholders will need to watch out for earning caps in bonused spending categories and could hit limits quickly.

Business owners who spend a lot on office-related expenses.

Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.

• No additional fee for employee cards
• High rewards rates in select bonus categories
• High cash advances & balance transfer fees
• Spending cap on bonus categories
• Low rewards rates outside of bonus categories
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Best Flat-Rate Cash-Back Business Card

The Ink Business Unlimited® Credit Card earns an elevated cash-back rate on all purchases, with the added perk of offering a low introductory APR for businesses who need payment flexibility.

This card comes with a well-rounded set of features so businesses don’t need to choose between welcome offers, an intro APR or ongoing rewards.

To unlock maximum value from your rewards, you’ll need to pair this card with another credit card that earns Chase Ultimate Rewards.

Business owners who prefer simple rewards.

Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.

Best Business Airline Cards 2024

Best business card for coast-to-coast flights, jetblue business card *.

Up to 6X Reward Rate

• 6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases

Earn up to 60,000 bonus points

21.24% or 29.99% variable

Good/Excellent (700 - 749)

The JetBlue Business Card * offers excellent value to JetBlue loyalists, with anniversary points, award rebates and a path to earn Mosaic status.

This card comes loaded with benefits when flying JetBlue.

JetBlue routes are relatively limited, which might mean fewer options for redemptions that are interesting to you.

Business owners who frequently fly from coast to coast.

The JetBlue Business card is a no-brainer for anyone who flies the airline with a companion at least once a year, since the free checked bag perk alone can be worth more than the card’s annual carrying cost.

• Earn Mosaic Elite status upon spending $50,000 annually
• Free first checked bag for you and up to 3 companions
• Limited redemption options
• Points have a fixed value
• Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
• Earn 5,000 bonus points every year after your account anniversary
• Redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary
• Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
• Set controls on employee cards for credit lines, single purchase limits, or cash access; receive consolidated statement with all expenses and employees can access individual statement online

Best Midrange Airline Business Card

Southwest® rapid rewards® premier business credit card.

Up to 3x Reward Rate

Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and Read More

Earn 60,000 points

21.49% - 28.49% Variable

Good, Excellent (700 - 749)

The Southwest® Rapid Rewards® Premier Business Credit Card provides perks like an annual points bonus, Early Bird check-in passes and 25% off in-flight purchases which help to justify this card’s annual fee.

Cardholders interested in earning status can make great use of the ability to earn unlimited tier qualifying points through business spending.

Southwest doesn’t have any partner airlines, so you’ll be committed to redemptions specifically on Southwest.

Business owners who want to earn Southwest points.

This card is an excellent pairing to a Southwest personal card for anyone aiming to earn a coveted Southwest Companion Pass while taking on a lower annual fee. But for the more loyal Southwest passenger, the Southwest Rapid Rewards Performance Business card, with its added perks and higher welcome offer, is likely the better option.

• High rewards rate on several methods of travel
• Annual 6,000 points bonus
• $99 annual fee
• Travel insurance protections are limited to baggage
• Increased point earnings on hotel and car rentals are limited to Rapid Rewards partners
• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• 6,000 bonus points after your Cardmember anniversary.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.

Best Business Card for United flyers

United℠ business card.

Up to 2x Rewards Rate

Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, Read More

Earn 75,000 bonus miles

$0 intro annual fee for the first year, then $99

21.99% - 28.99% Variable

The United℠ Business Card gives cardholders special treatment throughout their journey with perks when flying plus easy-to-earn airline miles on spending.

This card pairs beautifully with United personal credit cards by offering an annual 5,000-mile bonus for holding both a personal and business version.

Purchases on United Airlines earn a measly 2 points per dollar, which isn’t very inspiring for a co-branded card.

Business owners who want perks when flying United.

Business cardholders are incentivized with 5,000 anniversary bonus miles to maintain a personal United credit card as well, which might make sense for die-hard United fliers. Two free United Club passes provide a soft landing for long layovers.

• Robust set of travel perks and benefits
• Option to earn annual bonus miles and credits
• High standard APR
• Very high balance transfer and cash advance fees
• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Best Business Card for Domestic Flights

Southwest® rapid rewards® performance business credit card.

Up to 4X Reward Rate

Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel and Read More

Earn 80,000 points

The Southwest® Rapid Rewards® Performance Business Credit Card is loaded with premium benefits and reward bonuses on more than just Southwest purchases.

Southwest packaged benefits that cover your entire flying experience from the security lines to in flight to award redemptions.

Despite the premium annual fee, cardholders will still need to qualify for A-List status.

Business owners who prefer budget flights.

Frequent Southwest travelers can find huge value in the 365 inflight Wi-Fi credits per year. This benefit helps travelers stay connected with the office (and family) during their flight so they can hit the ground running once the plane lands.

• Earn A-list status faster
• Rich set of flight benefits
• Base rewards rate is only 1 point per $1 spent
• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest® purchases.
• Earn 3X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.

Best Business Hotel Cards 2024

Best for long business trips, ihg one rewards premier business credit card.

Up to 26X Reward Rate

Earn up to 26 total points per $1 spent when you stay at an IHG hotel; 5 points per $1 Read More

Earn 140,000 bonus points

Small business owners who regularly stay at IHG Properties will appreciate that the IHG One Rewards Premier Business Credit Card provides generous earnings for stays within the brand and valuable perks.

The anniversary free night alone can lead to excellent value, just for being a cardholder.

Because IHG points are worth less than some other travel rewards, the earning rates aren’t as generous as they look.

Business owners who take long trips.

The anniversary free night that comes with the IHG One Rewards Premier Business Card makes this card a keeper year after year. The key is to use it for a hotel room that costs more than $99 per year, which isn’t hard to do. The certificate can be exchanged for a free night worth up to 40,000 IHG One Rewards points. However, if the room rate is higher, it’s possible to top it off with points from your IHG account.

• Get a free anniversary night certificate
• Redeem three award nights, get the fourth night free
• Includes Platinum Elite status
• IHG One Rewards are worth less than a penny a point on most redemptions
• The $50 United Travel Bank credit can be complicated to maximize
• Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Best Hotel Card for Businesses

World of hyatt business credit card.

60,000 Bonus Points

21.49% - 28.49% variable

The World of Hyatt Business Credit Card offers one of the best paths to earning Hyatt points. Statement credits and tier-qualifying nights are also easy wins for brand loyalists.

The card also unlocks the ability to gift Discoverist status to up to five employees, which can be a great incentive.

The annual fee is high compared to other mid-tier hotel credit cards.

Business owners who prefer a top-notch hotel experience.

This card is strategic for any Hyatt loyal business owner, but especially for those chasing Hyatt status. With its ability to earn five elite nights for every $10,000 spent on the card, cardholders are given an easier path toward valuable Globalist status via spending, making it a great complement to nights actually spent in Hyatt hotels.

• Welcome bonus
• Solid earnings rates
• Automatic Discoverist status
• Low earning rate for non-bonused spending
• Base level status with the card offers limited benefits
• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
• 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees

Best Business Card for Road Warriors

Wyndham rewards earner® business card *.

Up to 8X Reward Rate

Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases. Earn 5 points per $1 spent on Read More

Up to 100,000 bonus points

21.24% - 29.99% variable

The Wyndham Rewards Earner® Business Card * earns at industry-leading rates on gas and eligible hotel stays, with discounted rates and elite status as worthy extras.

Cardholders can earn points quickly thanks to high multipliers on some spending categories.

Wyndham Guest Rewards expire after four years, whether or not you are active in the program.

Business owners who prefer budget hotels on the road.

The Wyndham Rewards Earner Business Card has some of the most practical benefits for business owners who frequent Wyndham hotels. The discount on award bookings, automatic Diamond status, 15,000 points awarded on your card anniversary plus the ability to utilize points for vacation rentals, all make this card worth having even if you aren’t loyal to the brand.

• Wyndham Diamond Status, which matches to Caesar’s Diamond
• Industry leading 8 points per dollar spent on gas
• Earn 5 points per dollar on utilities, which is a category not often bonused
• Cell phone insurance in addition to 5 points per dollar earnings on cell phone bills
• 10% award redemption discount, on top of already reasonable award rates
• Wyndham is not tailored for luxury travelers
• Popular categories such as dining and non-Wyndham travel not given category bonuses
• Top-tier status at Wyndham means less than it would at other chains
• Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening, plus an additional 50,000 bonus points after spending $15,000 on purchases within the first 12 months
• Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases
• Earn 5 points per $1 spent on marketing, advertising and utilities
• Earn 1 point per $1 spent on all other purchases
• Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
• Receive 15,000 bonus points each anniversary year
• Receive cell phone protection for the next calendar month when you pay your wireless bill with your card

Best Hotel Business Card for Global Reach

The hilton honors american express business card.

Up to 12X Reward Rate

Earn 12X Hilton Honors Bonus Points on eligible purchases at participating hotels and resorts within the Hilton portfolio; Earn 5X Read More

Earn 130,000 points

20.99% - 29.99% Variable

The Hilton Honors American Express Business Card  is an easy win for regular Hilton guests: Its quarterly statement credits toward Hilton stays more than cover the cost of an annual fee.

The card adds ease to your work travel, thanks to automatic Gold Elite status and National Car Rental status that soften the stress of being away from home.

Hilton redemptions are priced dynamically, so some stays may require an obscene amount of points.

Business owners who want a variety of hotel options.

The complimentary Hilton Honors Gold status granted by the card provides a daily food and beverage credit at select U.S. brands. And Gold members staying at select international Hilton brands get free breakfast, with many offering generous breakfast offerings such as full buffets.

• Complimentary Hilton Honors Gold status
• $240 in credits on Hilton purchases per year, $60 per quarter
• Points have a low redemption value
• Points transfer rate to partners is a poor value
• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
• You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• Terms apply.

Best Balance Transfer Cards for Businesses 2024

Best rewards-earning balance transfer business card, u.s. bank triple cash rewards visa® business card *.

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; Earn 3% cash Read More

$500 cash back

19.24% - 28.24% variable

High cash back rates, a welcome bonus, no annual fee and an introductory APR that extends to balance transfers make the U.S. Bank Triple Cash Rewards Visa® Business Card * a unicorn.

This is an exceptionally well-rounded card that can be a great fit for businesses even after the introductory APR period.

There’s a foreign transaction fee, so this card won’t be a good option for businesses that regularly make purchases in other currencies.

Business owners who want to pay down a balance transfer or large purchase over time.

The Triple Cash Visa Business card is a strong option for businesses that have minimal travel needs and who are looking to maximize their cash-back earnings across a variety of spend categories. As a bonus, it offers a $100 software credit.

• Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants.
• Introductory APR on purchases and balance transfers
• Reward categories may not align with how some businesses spend
• Foreign transaction fee
• There’s a balance transfer fee which can eat into your savings when transferring a balance
• Earn $500 cash back after spending $4,500 in the first 150 days of opening the account
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the travel rewards center, 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases
• $100 annual software credit for recurring software subscription expenses

Best Long-Term Balance Transfer Business Card

U.s. bank business platinum card *.

The U.S. Bank Business Platinum does not offer rewards on purchases.

17.24% - 26.24% (Variable)

Small businesses that are approved for the U.S. Bank Business Platinum Card * will receive a year and a half to pay down eligible balance transfers with the intro APR.

Paying 0% Intro APR on purchases and balance transfers for 18 billing cycles is pretty much unbeatable and gives a long stretch of time to businesses that need it.

This card doesn’t earn rewards, which limits its value after the introductory period ends.

Business owners looking for a long 0% intro APR period.

Thanks to its long intro APR offer, business owners with high upfront expenses will find most value from the U.S. Bank Business Platinum Card.

• Extra-long introductory APR on both purchases and balance transfers
• $0 annual fee
• No reward earning
• No major benefits
• High balance transfer fee
• Generous intro APR offer on purchases and balance transfers
• Low annual fee
• Domestic service center providing 24/7 support
• Visa Spend Clarity – track spending and manage expenses

Summary of the Best Business Credit Cards of 2024

Overview of the best business credit cards of 2024, best ultimate rewards-earning business card: ink business preferred® credit card.

The Ink Business Preferred® Credit Card offers the ability to earn valuable Chase Ultimate Rewards® points at compelling rates and an impressive bonus offer, making it a top pick for business travel. Ultimate Rewards are valuable because they are so flexible. You can redeem directly for travel at 1.25 cents per point through Chase Travel℠ or transfer to over a dozen loyalty programs including United , Southwest and Hyatt .

Rewards: Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per dollar on all other purchases.

Welcome offer: Earn 100,000 points after spending $8,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits and drawbacks: The “select business categories” include shipping, internet, cable and phone, social media and search engine advertising and travel. If your business does a lot of online advertising, this card will rake in the rewards.

Ultimate Rewards from the Chase Ink Business Preferred can be combined with personal Ultimate Rewards points to help grow balances quickly.

This card also offers cellphone insurance limited to three claims of up to $1,000 each per year, subject to a $100 deductible. This card also offers trip cancellation and interruption insurance, primary auto rental insurance when you rent for business purposes, purchase protection and extended warranty coverage.

Best Business Card for Travel Benefits: The Business Platinum Card® from American Express

With a high annual fee, The Business Platinum Card® from American Express (terms apply, see rates & fees ) won’t be for everybody, but it’s a fantastic option for businesses that prioritize travel benefits. The perks on this card are unbeatable.

Rewards: Earn 5 Membership Rewards® points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and 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 and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases with the card within the first 3 months of card membership.

Annual fee: $695

Other benefits and drawbacks: This card doesn’t skimp on the perks. Cardholders get airport club access through American Express’ Global Lounge Collection and elite status after enrollment with travel brands including Hilton, Marriott, Avis, National and Hertz. Statement credits abound in the first year of membership with the ability to earn credits after eligible spending on airline incidentals, a CLEAR® Plus membership, Dell Technologies, Indeed, Adobe and more (enrollment required for select benefits. Expires 12/31/24). For businesses that will use all (or many) of these offers, it can be a compelling card.

Best Offer for New Business Cardholders: Venture X Business *

Earning transferable miles on every purchase without limits (and at a strong rate), the Venture X Business * will turn heads for business owners who appreciate travel perks and rewards.

Rewards: Earn 10 miles per dollar on hotels and rental cars booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel and 2 miles per dollar on other eligible purchases.

Welcome offer: Earn 150,000 bonus miles after spending $30,000 in the first three months of account opening.

Annual fee: $395

Other benefits and drawbacks: The annual fee on this card is a potential stumbling block, though anyone who can make use of the $300 annual travel credit for purchases made through Capital One Travel may be willing to overlook it. The card offers valuable benefits, including access to Priority Pass and Capital One airport lounges , that also make the cost palatable. But there are some downsides, too. For one thing, the card requires payment in full which could be a dealbreaker if cash flow is tight. Additionally, the impressive welcome offer requires substantial spending, which might make it impossible to earn.

Best Flexible Rewards Business Card With No Annual Fee: Capital One Spark Miles Select for Business *

The Capital One Spark Miles Select for Business * earns flat-rate, flexible rewards with no annual fee, which can be a winning combination. There are no expiration dates or earning caps, other advantages that might interest you.

Rewards: Earn 1.5 miles per dollar on every purchase.

Welcome offer: Earn 50,000 bonus miles after spending $4,500 on purchases within the first 3 months of account opening.

Annual fee: $0

Other benefits and drawbacks: Travel any way you like with Capital One Rewards . You have the option to redeem miles through Capital One’s booking engine, reimburse yourself for travel booked directly and charged to your card or transfer miles to one of more than 15 travel partners. Travelers will also appreciate that the card includes rental collision coverage, roadside assistance and there are no foreign transaction fees.

Best Flexible Rewards 0% Intro APR Business Card: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express (terms apply, see rates & fees ) is somewhat unique because you can earn Membership Rewards points without paying an annual fee. The card also has an introductory APR offer, which can help a new business acquire inventory or pay upfront expenses but gain some additional time to pay in full without accruing interest.

Rewards: Earn 2 Membership Rewards points per dollar on everyday business purchases such as office supplies or client dinners up to the first $50,000 in purchases per year, then 1 point per dollar on all other purchases.

Welcome offer: Earn 15,000 Membership Rewards points after spending $3,000 in purchases in the first 3 months of account opening.

Annual fee: No annual fee

Other benefits and drawbacks: This card offers a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate of 18.49% - 26.49% applies. This can be enticing if you want to save money on interest with a lower APR, but carrying a balance isn’t going to be a good idea in the long run when the introductory period is over.

We do like the fact you can earn extra Membership Rewards points on everyday business purchases such as office supplies or client dinners. If you want a similar card but prefer cash back to points, consider The American Express Blue Business Cash™ Card (terms apply). However, if your business regularly spends more than $50,000 per year, a card without a cap may be a better choice.

Best Cash-Back 0% Intro APR Business Card: The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card (terms apply, see rates & fees ) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card if you want to earn without worrying about categories and you typically spend $50,000 or less a year.

Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Welcome Offer: Earn a $250 statement credit after spending $3,000 in purchases in the first 3 months of account opening.

Annual Fee: No annual fee

Other benefits and drawbacks: A business that routinely spends more than $50,000 in a year would fare better with a card that doesn’t cap earnings rates. If you want a similar card but with more flexible rewards than cash, consider The Blue Business® Plus Credit Card from American Express which is this card’s Membership Rewards-earning sibling.

Best Cash-Back Card With No Preset Spending Limit: Capital One Spark Cash Plus *

Your business has enough to worry about: Keep rewards simple—and generous—with the Capital One Spark Cash Plus * . All earnings are offered at a flat, fair rate and cash-back redemptions are as easy and flexible as they come. The adaptable purchasing power and no preset credit limit is also a great way to set cruise control for your finances.

Rewards: Earn 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

Welcome offer: Earn a $1,200 cash bonus after spending $30,000 in the first three months.

Annual fee: $150

Other benefits and drawbacks: It’s impossible not to look at the extremely generous welcome offer, though some businesses won’t qualify given the high spending requirements to earn it. Another caveat is that this is a pay-in-full charge card , so your business will need the cash flow to cover your bill rather than paying over time. Assuming these aren’t nonstarters for you, it’s a rewarding card thanks to its cash-back earnings and an annual fee refund if you spend $150,000 or more in your cardmember year.

Best No Annual Fee Cash-Back Business Card: Spark Cash Select from Capital One *

With the Spark Cash Select from Capital One * , you can earn cash back on every purchase with no annual fee, making it ideal for businesses trying to avoid the cash outlay. This straightforward card also comes with a welcome bonus for new cardmembers.

Rewards: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

Welcome offer: Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening.

Other benefits and drawbacks: For the most part, this is a straightforward card without the frills of more premium options. Basic features like free employee cards, $0 fraud liability and reporting summaries can assist with your accounting, but the card’s greatest draw is a solid rewards structure and easy redemptions.

Best Cash-Back Business Card for Category Bonuses: Ink Business Cash® Credit Card

If you want a no annual fee card that allows you to earn valuable rewards, the Ink Business Cash® Credit Card is a good option. This card is marketed as a cash-back card , but can be paired with a premium Chase Ultimate Rewards®-earning card to unlock more value.

Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Welcome offer: Earn $350 bonus cash back after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.

Other benefits and drawbacks: The higher rewards rates have an annual limit which may not be ideal for some businesses. While the standalone card earns cash back, cardholders can utilize airline partner transfers and other redemption options when combined with select premium Ultimate Rewards cards (personal or business). The card also offers protections that you don’t often see on a no annual fee card, including primary car rental insurance for business rentals and purchase protection.

Best Flat-Rate Cash-Back Business Card: Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited® Credit Card is marketed as a cash-back card and offers a relatively high rate of cash back. When paired with a premium Chase Ultimate Rewards® card, rewards are treated as transferable Ultimate Rewards points which makes this card even more valuable. The Ink Business Unlimited® Credit Card tops the Ink Business Cash® Credit Card if you want a flat earnings rate rather than bonus categories.

Rewards: Earn 1.5% cash back rewards on every business purchase.

Welcome offer: Earn $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.

Other benefits and drawbacks: The “set it and forget it” rewards from the Chase Ink Business Unlimited couldn’t be easier to earn, making this a solid choice if you only want one business card. That said, to unlock the full potential of this card, you’ll need to pair it with another Ultimate Rewards-earning card like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve® .

If you’re after the highest rate of cash back alone, another card may provide more value.

Best Business Card for Coast-to-Coast Flights: JetBlue Business Card *

The JetBlue Business Card * offers a solid welcome bonus and plenty of time to earn it. In addition to basic airline credit card benefits, the card also provides bonus points each year, points rebates, sizable savings on inflight purchases and a path toward elite status with the airline.

Rewards: Earn 6 points per dollar on JetBlue purchases, 2 points per dollar at restaurants and office supply stores and 1 point per dollar on all other purchases.

Welcome offer: Earn 50,000 bonus points after spending $4,000 on purchases and an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.

Annual fee: $99

Other benefits and drawbacks: You’ll get 5,000 bonus points each year after your card anniversary, which helps offset the card’s annual fee. Additionally, each time you redeem points for an award flight, you’ll get 10% of them back. While many airline credit cards offer 25% discounts on inflight purchases, this card’s savings are 50%.

TrueBlue Mosaic status, which includes a second free checked bag, free inflight alcoholic beverages, free upgrades and more, is in reach when you spend $50,000 on the card each year. That said, JetBlue’s domestic route map is mostly made up of cities on the coasts, making the card less appealing to those who frequently travel the interior of the country through airports that the airline doesn’t serve.

Best Midrange Airline Business Card: Southwest® Rapid Rewards® Premier Business Credit Card

Famous for free checked bags, Southwest Airlines already offers a more inclusive flying experience, but the Southwest® Rapid Rewards® Premier Business Credit Card upgrades your flight even more, plus lets you earn Rapid Rewards with every purchase.

Rewards: Earn 3 points per dollar spent on Southwest purchases, 2 points per dollar spent on Rapid Rewards hotel and car partners and local transit and commuting. Earn 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 points after spending $3,000 on purchases within the first 3 months of account opening.

Other benefits and drawbacks: Compared to the more expensive Southwest® Rapid Rewards® Performance Business Credit Card, this mid-range card focuses more on a path to earnings than showering you with benefits. That said, cardholders can still make use of two EarlyBird Check-Ins per year, a 25% discount on inflight purchases and a head start toward earning the companion pass, thanks to a 10,000-mile boost of qualifying points.

Best Business Card for United Flyers: United℠ Business Card

Offering mostly classic airline benefits, the United℠ Business Card fills a need for travelers looking to enhance their United experience. With a reasonable annual fee that’s quickly substantiated by an annual credit toward United flight purchases, this card is an obvious choice for anyone who flies the airline.

Rewards: Earn 2 miles per dollar on United purchases, on dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting and 1 mile per dollar on all other purchases.

Welcome offer: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening.

Annual fee: $0 intro annual fee for the first year, then $99

Other benefits and drawbacks: Benefits for being a cardholder include a free checked bag and priority boarding when flying United, two United Club day passes annually and a 25% discount on inflight purchases. It gets better, too. The card also offers a $100 credit after charging qualifying flight purchases to your card. Cardholders can also earn 25 Premier qualifying points (PQP) after each $500 spent each year (up to 1,000 PQP), helping you achieve status faster.

Best Business Card for Domestic Flights: Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card provides impressive value for people who regularly fly domestic on Southwest, which ranked the highest in customer satisfaction for economy airlines by J.D. Power. Despite a relatively high annual fee, the card offers solid rewards, bonus anniversary points, upgraded boardings, inflight Wi-Fi credits and a path to elite status.

Rewards: Earn 4 points per dollar spent on Southwest purchases, 3 points per dollar spent on Rapid Rewards hotel and car rental partners, 2 points per dollar spent on local transit, including rideshares, commuting, social media, search engine advertising, internet, cable and phone services. Earn 1 point per dollar on all other purchases.

Welcome offer: Earn 80,000 points after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $199

Other benefits and drawbacks: Meant for the most loyal passengers, this card makes it easier to earn A-List status by offering 1,500 tier qualifying points for every $5,000 spent. Other travel perks include a boost toward a coveted companion pass simply for being a cardholder and up to $500 in credits to cover the cost of point transfers—a great incentive to share with employees. The card also offers an application fee credit for Global Entry or TSA PreCheck® and a handful of travel and shopping protections.

That said, Southwest has a limited international presence. If you want access to more destinations abroad, it may be better to go with an airline that operates internationally or has international partners.

Best For Long Business Trips: IHG One Rewards Premier Business Credit Card

It’s easy to accumulate a lot of rewards with the IHG One Rewards Premier Business Credit Card . What’s more, you’ll get a free night when you book award stays of four or more nights, making it a solid choice for longer business and personal trips.

Rewards: Earn up to 26 total points per dollar at IHG® Hotels and Resorts, 5 points per dollar on travel, dining, select business, and at gas stations and 3 points per dollar on all other purchases.

Welcome offer: Earn 140,000 bonus points after spending $4,000 on purchases in the first three months of account opening.

Other benefits and drawbacks: The card offers a $100 statement credit and 10,000 bonus points every year when you spend $20,000. It also comes with a free anniversary night certificate, elite status and reimbursement for expedited airport security screening programs. While it’s easy to earn points, it also takes a lot of points to book award stays which can dilute the value of your rewards.

Best Hotel Card for Businesses: World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card earns top marks on our business hotel card rankings due to its combination of valuable perks and attractive earnings rates. This card makes it easy to earn rewards faster on paid Hyatt stays and on everything else you buy.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 points per dollar spent in a cardholder's top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per dollar spent on fitness club and gym memberships and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Other benefits and drawbacks: The World of Hyatt Business Credit Card makes it easy to earn rewards that can be used for hotel stays in this program. The card offers a $100 rebate (redeemable as $50 statement credits, twice a year) on Hyatt purchases and an incentive for spending $50,000 annually on the card: 10% of redeemed points back for the remainder of the year on up to 200,000 points redeemed.

The downside of Hyatt is its lack of reach in many smaller U.S. markets as well as large sections of the globe. There are many places where a Hyatt portfolio hotel is nowhere to be found.

Best Business Card for Road Warriors: Wyndham Rewards Earner® Business Card *

The Wyndham Rewards Earner® Business Card * offers industry-leading rewards on gas station purchases and healthy earnings on Wyndham hotel stays. The card could be a no-brainer if you spend a lot of time on the road and are comfortable staying in the budget brands that make up the vast majority of Wyndham’s portfolio.

Rewards: Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 spent on marketing, advertising and utilities and 1 point per $1 spent on all other purchases.

Welcome offer: Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening, plus an additional 50,000 bonus points after spending $15,000 on purchases within the first 12 months.

Other benefits and drawbacks: With 15,000 anniversary points and a 10% discount on “go free” rewards at Wyndham hotels, you’ll have access to free nights faster than you can say “Super 8.” Since basic hotels start at 7,500 points per night, it takes less than $1,000 in spending on gas or at Wyndham hotels to earn a free night. That’s an unheard-of rate, as long as you’re not looking for luxury.

Best Hotel Business Card for Global Reach: The Hilton Honors American Express Business Card

Wherever you go, you’ll likely find a Hilton portfolio hotel there. The Hilton Honors American Express Business Card (terms apply, see rates & fees ) is worth exploring for its complimentary Hilton Gold Status as a cardholder, and you can earn a generous welcome bonus and a high rate of rewards on your eligible spending.

Rewards: Earn 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating hotels and resorts within the Hilton portfolio and 5 Hilton Honors Bonus Points per dollar spent on the first $100,000 in purchases each calendar year, 3 points thereafter.

Welcome offer: Earn 130,000 Hilton Honors bonus points after spending $6,000 in purchases on the card within the first six months of card membership.

Annual fee: $195

Other benefits and drawbacks: This card can be worth it for the welcome offer alone, but don’t forget that you’ll also get automatic Hilton Gold Status. This elite status can afford you benefits like food and beverage credits, room upgrades based on availability and more. Even if you’re just an occasional Hilton guest, this card could make sense. You’ll also get four statement credits of up to $60 each—one per quarter, for a total of $240 per year—when charging eligible Hilton expenses to your card.

Best Rewards-Earning Balance Transfer Business Card: U.S. Bank Triple Cash Rewards Visa® Business Card *

The U.S. Bank Triple Cash Rewards Visa® Business Card * is one of few business cards offering a balance transfer introductory rate. Making the card even more appealing are cash-back rewards and welcome offer opportunities.

Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers and restaurants and 1% cash back on all other eligible purchases.

Welcome offer: Earn $500 cash back after spending $4,500 in the first 150 days of opening the account.

Other benefits and drawbacks: The U.S. Bank Triple Cash Rewards Visa® Business Card * offers a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a regular APR of 19.24% - 28.24% variable. A balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, applies, adding to more possible savings. With free employee cards and a $100 annual software credit, this card could be worth holding onto even after the intro APR period expires.

Best Long-Term Balance Transfer Business Card: U.S. Bank Business Platinum Card *

There’s really only one reason to consider the U.S. Bank Business Platinum Card * , but it’s a big one: The card has an introductory APR that’s irresistible to businesses who need to pay over time.

Rewards: This card does not earn rewards.

Welcome offer: This card does not offer a welcome bonus.

Other benefits and drawbacks: A 0% intro APR could save you a lot of money if you expect to need time paying down a balance. And with this card, you’ll get a long window: 0% intro APR on purchases and balance transfers for 18 billing cycles, followed by a regular APR of 17.24% - 26.24% variable. A balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, applies. However, watch out for the lack of other benefits. There’s no welcome offer, no ongoing rewards and no major perks to add value.

Methodology of Best Business Credit Card

To create this list, Forbes Advisor analyzed over 100 business credit cards. Our main criteria relates to value: Will any fees you pay for this card be outweighed by the benefits you will receive?

We evaluated each card compared to other similar cards, meaning comparing hotel cards to hotel cards, cash back cards to cash back cards, and the like.

For each card, we gathered information that potential cardholders would use in their decision-making process, including:

• Annual fees
• Reward earning rates and values
• Welcome bonuses
• Interest rates and/or promotions
• Card benefits, credits and perks
• Consumer protections

Read more: How Forbes Advisor rates credit cards

Complete Guide To Business Credit Cards

What is a business credit card.

• How To Apply For a Business Credit Card and Get Approved

What Are the Types of Business Credit Cards?

How to build business credit, who should get a business credit card, how to compare business credit cards in 2024, pros and cons of business credit cards, how to make the most of your business credit card, alternatives to business credit cards, is a business credit card worth it, frequently asked questions (faqs).

A business credit card is a line of credit issued to a small business or sole proprietorship. Business credit cards allow business owners to keep business and personal expenses separate. By doing so, record keeping is easier—especially at tax time.

How Do Business Credit Cards Work?

Business credit cards operate just like personal credit cards with the exception that the card may have a different rewards structure or offer different protections.

How To Apply for a Business Credit Card and Get Approved

• Get preapproved or pre-qualified first. This will give you a sense of your approval odds.
• Check your latest credit score . For most small business cards, your personal credit score is still relevant.
• Research credit card options . There are dozens of options available, each with different fees, interest rates, rewards, benefits and promotions.
• Pick the best card for your needs . Once you’ve looked at choices, you’ll need to narrow it down to one card that fits your priorities.
• Fill out a card application . You’ll need to provide information including your Employee Identification Number (EIN) or Social Security number (SSN), basic business information, annual business revenue, estimated business spending and other details.
• Submit your application and wait for a decision . Many credit card decisions come instantly, though a few may take a few days to process. In some cases, you may need to follow up with additional information by phone.
• Get your card in the mail. This usually takes 7-10 days, though some premium cards may expedite shipping.

Learn more about how to get a business credit card .

How To Get a Business Credit Card Without a Personal Guarantee

Establishing business credit can be difficult, and some cards will require a personal guarantee. This means an individual (usually the one applying for the card on behalf of the company) will be held liable for any balances left unpaid on the card.

For individuals who don’t want to be tied to a business account, there are cards available that don’t require a personal guarantee, such as the Brex Card * .

How To Get an Instant Approval Business Credit Card

Most cards that let you apply online will let you know right away if you are approved. Occasionally the bank may want additional information before giving you a credit line, but if it’s a “yes,” you’ll usually learn when you apply.

How To Get a Business Credit Card With Bad Personal Credit

For small business cards, your personal credit score is often considered as part of the application process. If you have bad credit, you’ll need to limit the cards you consider to those that are designed for anyone with poor or limited credit history. Business secured cards are the most accessible option for those who can afford the deposit required to secure the card. Other options include improving your credit score before applying or looking for cards that don’t require a personal guarantee.

Read more: Best Business Credit Cards For Bad Credit

How To Get a Business Credit Card for a Startup

Small businesses, even startups, can get a business credit card .

When applying for a business credit card, it’s acceptable to put $0 for revenue, which is often the case with a startup. Banks will take into account any other income sources as well as the applicant’s personal credit score and previous relationship with them (a personal checking account, for example) when deciding whether or not to approve a business credit card.

The two most common types of business credit cards are either small business cards or corporate cards . The recommendations on our list include small business cards, which can be applied for without establishing a custom financial arrangement.

How Many Business Credit Cards Should I Have?

Each individual business may have a different ideal number of business credit cards . Carrying multiple business cards may allow you to earn more varied and higher rewards, provide a more comprehensive set of business benefits and more, but managing multiple accounts requires more time and oversight.

Building business credit works in the same way as building personal credit—by using it and paying off the bill on time and in full each month. However, businesses can also do a few other things to help establish credit.

Registering a business and obtaining an Employer Identification Number (EIN) from the IRS will establish a credit file for the business. Then that business can open vendor accounts (accounts with suppliers, for example) that report payment history to business credit bureaus. Another number that will help build business credit is a D-U-N-S Number , which can be obtained from Dun & Bradstreet, a business credit reporting agency.

Of course, opening a business credit card is one of the best ways to build business credit . Small businesses, even startups, can be eligible for business credit cards, so this is often step number one for businesses looking to build a credit history.

Any business that intends to charge purchases should get a business credit card. Keeping personal and business expenses separate is a good rule-of-thumb for accounting purposes. Additionally, getting—and responsibly using—business credit cards help to build your business credit history which can be useful when applying for future loans or other financing.

Read more: Things To Know Before Getting a Business Credit Card

Ask an expert

Why should you get a business credit card?

Jannese Torres

Credit Cards Expert

Jerod Morales

Credit Cards Editor

Becky Pokora

Credit Cards Writer

A business credit card is good if you have longer term plans to access funding for your business and want to establish business credit. Having evidence of an established business with a solid credit history will help you qualify for lines of credit and other loans in the future. It’s also a good way to keep business transactions separated from your personal ones and can make your accounting/reconciliation process much smoother during tax time.

Business credit cards are crucial to making sure personal and business expenses stay separate and don’t get muddled. It makes organizing finances so much cleaner, and with the right card I can earn something back for all those business expenses.

Not only are business credit cards convenient, but they’re also an excellent way to establish a business credit score so that you have more options for financing on other future purchases.

With the many different types of business credit cards available in 2024, picking the best business credit cards can be a lengthy process. Prospective cardholders have multiple factors to take into consideration before landing on the best match.

Annual fees often cover membership benefits offered by cards. Prospective cardholders should calculate how much they’ll need to spend in order to accumulate enough rewards or cash back to offset that fee.

Earnings Structure

Some cards have high rewards rates, but when it comes to redeeming your points or miles, they fall flat. Be diligent in evaluating each point value and be sure you’re looking past the number of points in favor of what the points will actually get you.

Some cards will offer not only a welcome bonus but also an intro APR . Consider the amount of time the low interest rate applies, and make sure you have a plan to pay off any large purchases before the intro APR expires and the card’s regular interest rate applies.

Ongoing APR

If your business needs to carry a balance, looking for a card with low interest rates or interest-free promotional periods can save money. Always remember that APRs are determined based on your creditworthiness, so the lowest interest rate presented in the terms and conditions might not be what you’re granted upon approval.

Financing Options

Is the card a charge card or a credit card? A charge card will need to be paid off monthly, while a credit card will allow you to carry a balance with interest. Make sure you know which type of card you are applying for and that it will best fit your needs.

To make the most of your business card, you’ll want to find a card with benefits and rewards that line up well with your business needs. Ensure that you only spend what you can afford to pay off in full so that you don’t nullify the value of your rewards by paying interest. By using the included perks, and earning rewards on every purchase, you can leverage your card to be an asset for your business. It can take some effort to fully maximize your credit card rewards , but the literal payoff makes it worth it.

It can be tempting to simply use a card you already have for business expenses, but there are many reasons to specifically consider a business credit card instead of a personal card . Alternatively, you may wish to use a different form of financing, such as:

• Small business loans
• Business line of credit
• Invoice financing
• Crowdfunding

A Third Of Small Businesses Intermingle Personal and Business Expenses on Credit Cards

According to a survey for Forbes Advisor conducted in March 2024, one third of small businesses intermingle both personal and business expenses on the same credit card. Some businesses may also use multiple cards and multiple tactics on how to split charges.

There are often no barriers for charging personal expenses on business cards or vice versa, but it can be a tricky situation anyway. It can make bookkeeping more complicated and provide less visibility into budgets. In many cases, it can also make it difficult to get access to the credit limit you need to cover both types of expenses.

If you have a legitimate business, and even if you’re just starting out, applying for a dedicated business card comes with many advantages. Rewards are just one of those: Choosing a card designed for small businesses might provide elevated earning rates in categories that make sense for businesses and you may get access to a welcome offer, too.

Business credit cards allow small business owners, startups and corporate managers alike to track finances separately and gain access to revolving capital. Regardless of how small or established your business is, it can also help you:

• Better manage your expenses
• Build a business credit history
• Take advantage of business-specific rewards and benefits

Before you apply for a business credit card, carefully consider both the advantages and disadvantages to determine whether it’s the right move for you.

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

To view rates and fees for The Business Platinum Card® from American Express please visit this page . To view rates and fees for The Blue Business® Plus Credit Card from American Express please visit this page . To view rates and fees for The American Express Blue Business Cash™ Card please visit this page . To view rates and fees for The Hilton Honors American Express Business Card please visit this page .

What is the best small business credit card?

Choosing the best business card for your particular circumstances will be based on a combination of your business spending patterns, your goals in owning a particular business card (such as if you want rewards or a 0% introductory APR offer) and your personal credit history. There’s no one best card that can satisfy everyone’s needs.

What credit score do you need for a business credit card?

The specific credit score you’ll need for any particular business card or to meet any specific issuer’s requirements will vary, and it’s likely you’ll need good or better credit for many of the cards on our list above. Secured business credit cards offer opportunities for businesses and business owners with weaker credit to build credit.

How is a business credit card different from a personal credit card?

The main way business credit cards differ from personal credit cards is in their lack of consumer protections like those in the Card Act . Business credit cards may also report to business credit agencies and offer different rewards and benefits than personal credit cards.

When you apply for a business credit card, is approval based on your personal credit score?

When you apply for a business credit card, your approval will be based on your personal credit score. It also means you’ll be personally liable for any debts accrued on the card, even if they’re from your business and that business fails. The issuer will also take other factors into consideration, like your business income and credit history.

Why does your business credit score matter?

Just like having a strong personal credit score can qualify you for better rates on your loans, a good business score can also signal to lenders that you’re qualified for financing on purchases or other loans. For example, if you need to sign a lease on a bigger space for your business, add a new truck to your fleet or make a big purchase of supplies for your business, a potential lender will likely check your business credit score to determine your creditworthiness and what terms to grant you.

What is the easiest business credit card to get?

A secured business credit card will likely be among the easiest cards to receive approval for since lines of credit with secured cards are collateralized. Though these cards do require business owners and operators to secure the line of credit with a deposit, they can offer great ways for businesses to build credit.

Which business credit cards do not require a personal guarantee?

Not many business credit cards will approve applications without a personal credit check, but several cards do not require a personal guarantee . Carefully weigh the benefits (or lack thereof) of these cards against other options.

Which business credit cards report to Dun and Bradstreet?

Dun and Bradstreet is just one of the credit bureaus that have a business credit score matrix.  Most major banks will report to the main business credit bureaus, including Dun and Bradstreet, but it is always best to check directly with your bank if you have any questions.

Can you apply for a business credit card without a business?

Whether it’s a full-fledged endeavor or a side hustle from your corporate job, it’s still possible to get approved for a business credit card. That’s because business cards typically rely on your personal credit score as one of the determining factors for approval. If your FICO Score isn’t as good as your business idea, there’s a small handful of secured credit cards for businesses that can help you improve your credit while you build your brand.

Be aware that with nearly all small business cards, just like with a personal credit card, you are personally liable for any debts accrued to the card. In other words, if your business fails, you’re still responsible for any debt left on the card.

What business credit card gives the highest limit?

Business credit card issuers don’t publicly disclose their credit limits. However, if you have a well-established business with a lot of expenses, you may consider a charge card with no pre-set spending limit.

Potential options include The Business Platinum Card® from American Express and the Capital One Spark Cash Plus * .

How do you apply for a business credit card as a sole proprietor?

You don’t need to set up your business as a separate entity to get approved for a business credit card. In many cases, you don’t even need an EIN to get approved. Simply provide all the required information on the credit card application and provide your SSN.

If you don’t have a name for your business, you can simply put your name as the name of the business.

How can you get a business credit card for an LLC?

If your business is set up as an LLC, you enjoy certain legal protections when it comes to personal liability. However, you’ll still need to make a personal guarantee when you apply for a small business credit card and undergo a personal credit check.

In other words, the application process is the same as if you were running a sole proprietorship or partnership. If you have an EIN, be sure to include it in the application, so you can use the card to build business credit.

Other Business Credit Cards To Be Considered

• Best Business Cards With 0% APR Offers
• Best Balance Transfer Business Credit Cards
• Best Cash-Back Business Cards
• Best Business Cards For Start-ups
• Best Business Gas Cards
• Best Amex Business Cards
• Best Chase Business Credit Cards
• Best Business Cards for Fair Credit
• Amex Blue Business Plus Credit Card Review
• Chase Ink Business Unlimited Card Review
• Chase Ink Business Premier Card Review
• Chase Ink Business Cash Review
• Chase Ink Business Preferred Card Review

*The information for the following card(s) has been collected independently by Forbes Advisor: Venture X Business, Capital One Spark Miles Select for Business, Capital One Spark Cash Plus, Spark Cash Select from Capital One, JetBlue Business Card, Wyndham Rewards Earner® Business Card, U.S. Bank Triple Cash Rewards Visa® Business Card, U.S. Bank Business Platinum Card, Brex Card . The card details on this page have not been reviewed or provided by the card issuer.

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Jannese Torres is an award-winning Latina money expert. She became an accidental entrepreneur after a job loss inspired her to turn her food blog into a six-figure business. Throughout the years, her passion for entrepreneurship led her to notice a gap in the conversation around money.   Inspired by the J. Lo and Cardi B song, “Dinero,” in 2019, she decided to start teaching marginalized communities on topics like entrepreneurship, investing and financial independence through her five-time award-winning personal finance podcast & platform, “Yo Quiero Dinero.” Jannese not only is knowledgeable about credit cards and credit, but she's also an expert in the areas of digital entrepreneurship, content creation, financial independence, creating multiple income streams and passive income.   With over a decade of experience in digital entrepreneurship, content creation and multicultural marketing, she is now a highly sought-after business maven who helps her clients monetize their skills and pursue financial independence. She's the author of "Financially Lit: The Modern Latina's Guide to Level Up Your Dinero & Become Financially Poderosa."

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Best travel credit cards of June 2024

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Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best luxury hotel card:  Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for expedited security screening:  Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card
• What to know about travel credit cards
• Tips for choosing the best travel card

Travel credit card perks

How do credit card points and miles work.

• Expert advice on travel cards

How we assess the best travel credit cards

• Frequently asked questions
• Ask the experts

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Best starter travel card

Chase Sapphire Preferred® Card

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

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.

Regular APR

• 5x 5x on travel purchased through Chase Travel℠.
• 3x 3x on dining, select streaming services and online groceries.
• 2x 2x on all other travel purchases.
• 1x 1x on all other purchases.

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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, 75,000 points are worth $937.50 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

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

• 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
• Zero foreign transaction fees make this an excellent choice for international travelers.
• You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
• The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
• 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

Best for luxury travel

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

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. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

• 5X 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.
• 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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.
• 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.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
• 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.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

• 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• 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

Best for foodies

American Express® Gold Card

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. 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.

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• 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.

Best for everyday spending

Citi Strata Premier℠ Card

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

• 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

• 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.
• 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.
• 1.5X 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.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• 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 19.24% - 29.24% 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.

Best for point values

Chase Sapphire Reserve®

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
• 5x Earn 5x total points on flights through Chase Travel℠.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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, 75,000 points are worth $1125 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®

Best for practical perks

Capital One Venture X Rewards Credit Card

• 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

10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• 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

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (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.

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

• 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• Intro Offer: 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!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 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.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best luxury hotel card

Marriott Bonvoy Brilliant® American Express® Card

• Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases

• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• 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 restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• 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.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• Enjoy your first checked bag free on Delta flights.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

• Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

• You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
• Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
• Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
• It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site Earn 5x points on eligible travel, dining, and gas Earn 1x points on all other purchases

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

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.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

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.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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What is online bill pay?

Setting up online bill pay.

• Potential drawbacks
• Safety and security tips

What is Online Bill Pay?

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• Online bill pay is a standard service offered by banks and credit unions.
• It allows customers to set up one-time or automatic payments to various providers.
• Online bill pay is free to use, and most banks guarantee on-time delivery.

In decades past, responsible bill-pay management involved checking your mailbox daily for bills and paying them with paper checks through the mail. 

Today, with online bill pay, you can view, schedule, and pay your bills right from your bank's website or mobile banking app . It not only saves paper, but it can save you time, hassle, and money.

Online bill pay is a service offered by banks and credit unions . Bill pay allows you to pay your bills from one account without visiting multiple providers' websites or writing checks. 

Most online bill pay is linked to a checking account . Online bill pay addresses three payment types:

• Immediate one-time payments
• Future one-time payments
• Automatic payments

Many large service providers now offer "eBills" and are able to receive payment from your bank electronically. However, for smaller providers that only accept paper checks, most financial institutions can send them on your behalf. In these ways, online bill pay could help you finally cut the checkbook out of your life for good.

Online bill pay is part of standard online and mobile banking services, so similarly to other services like mobile check deposit , you won't have to worry about additional fees.

Choosing a platform: Bank vs. third-party services

Setting up online bill pay with your bank or credit union is usually a quick and easy process, and typically free. 

If your institution doesn't offer bill pay, or the system is not reliable, you may want to use a third-party bill pay service, which may charge a fee.

Registering accounts and payees

If your bank or credit union offers bill pay, log in to your online account and navigate to the "Bill Pay" tab. If you're using a third-party service, the process for setting up payments will be similar.

You'll need to enter each payee's name and information. You may want to have a bill handy so that you can enter your payee's name, address, and account number accurately.

Once you've added your payees, you can begin creating payments. For bills that are the same each month, you may want to set up recurring payments. For all others, you can make an immediate one-time payment or schedule your payment days or weeks in advance.

Benefits of online bill pay

Time savings and convenience .

The biggest advantage of setting up automatic bill payments online is that it can help you automate your payments. Bills that are the same amount each month, like your mortgage or car payment, are great candidates for setting up automatic payments with online bill pay.

Even for bill amounts that vary from month to month, scheduling payments in advance can help you avoid late or missed payments. With eBills, most financial institutions make it easy to set reminders for when your bills are due.

Your bank or credit union should tell you how many business days it will take for your payments to arrive to your payee. And some will even reimburse your late fees if your properly scheduled payments aren't delivered on time.

Enhanced security and payment tracking

Online bill pay can help you consolidate your payments in one place. Instead of having to visit a separate website for your internet service provider, phone provider, and mortgage lender  to make a payment, you can just log on to your online banking portal and pay them all. 

It also eliminates the risks involved with writing paper checks . With online bill pay, you won't have to worry about mail delays or someone stealing your check. 

Potential drawbacks of online bill pay

One of the potential drawbacks to moving to online bill pay is that you may forget to check your bills and schedule payments. After all, you might not have an envelope arriving in your mailbox each month to remind you about your payment due date. 

To avoid late or missed payment, you'll want to set aside a specific time each week to log on to your online banking account and manage your upcoming bills. You can also review bank statements to keep tabs on which payments have gone through last.

You'll also need to make sure that there are enough funds in your checking account to cover the payments. If there are insufficient funds, your bank may use overdraft protection to cover the payment, and you may incur fees.

Also, for bills with variable monthly amounts, you'll need to remember to change the payment amount each time. If you'd prefer to give service providers permission to withdraw the full bill amount each month, you may be able to set up direct payments with them using a debit or credit card or ACH transfer .

How to use online bill pay safely

Ensure that you have a secure password for your online banking portal and enable two-factor authentication where available. 

Do not share personal banking information over the phone or in an email with anyone claiming to be a bank representative. Avoid clicking links when you receive a text message or email from a sender claiming to be your financial institution. Instead, type the website into your web browser and log in to your online portal from there.  

Online bill pay FAQs

Visit your bank or credit union's website and find the "Bill Pay" or "Pay Bills" tab. You'll need to enter your payee's name, address, and account number, which you can find on your last bill or statement.

Yes, banks and credit unions use encryption to safely store customers' personal information. Beyond standard banking security practices for online bill pay, there are also personal decisions you can make to make sure your information is safe. For example, you can use a strong password and two-factor authentication where available.

The best banks and credit unions allow you to schedule recurring payments at various frequencies, from weekly to monthly to quarterly. 

Contact your bank to identify the issue. In the meantime, consider paying the bill directly on the provider's website to avoid any late fees.

Understand your bank's processing times and schedule payments several days in advance of the due date.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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