travel credit card fab

FAB Infinite Travel Card

• Endless choices on redeeming across 800+ airlines, 500,000+ hotels and car rental
• Travel benefits including Miles Transfer to other partners and exclusive travel discounts
• No international transaction bank fees

TRAVEL BENEFITS

Experience travel benefits that give you endless choices.

Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more.

Get a guaranteed AED 1,500 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.

Use your Travel Card abroad with no foreign transaction bank fees on your purchases (excluding currency conversion/scheme charges).

One complimentary night for every three paid nights when booked through the FAB Travel Portal.

Unlimited free access across over 1,000+ airport lounges globally for the cardholder and one guest.  Learn more

Exchange 1 FAB Mile to 1 mile / point or more of participating airline and hotel partners. Participating partners include: - Aeroplan - Avianca LifeMiles - BIG Rewards  - British Airways Executive Club - Club Vistara - Emirates Skywards - Flying Blue  - Fortune Wings Club  - IHG ®  Rewards - Jumeirah One - Turkish Airlines Miles&Smiles - Wyndham Rewards

BRITISH AIRWAYS DISCOUNT

Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE. Use promo code “BAOFFER” on the FAB Travel Portal to access the offer.

Enrol as Jumeirah One member and receive exclusive benefits with tier level upgrades for select cardholders.

Use your FAB Infinite Travel Card on UBER internationally and get up to US $25 credit per ride (up to six rides).

Get up to eight free airport transfers a year within the UAE no matter which airport you are using. - One free ride per trip within the same emirate - Two free rides per trip between emirates

As a VISA Infinite Elite cardholder, get 20% off three Careem rides by VISA.

 EARN FAB MILES WITH EACH USD 1

- Get 1.5 FAB Miles for each USD 1 spent on retail purchases anywhere - Get 2 FAB Miles for each USD 1 spent on any travel purchase

Access the FAB Travel Portal through your  FAB Mobile  app or  Online Banking .

LIFESTYLE BENEFITS

Visa cardholder benefits that make life more rewarding.

As a Visa cardholder, get great travel and entertainment benefits with your Visa FAB credit card.

Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card.  Learn more

Visa’s 24-hour concierge provides a personal service for all Visa Infinite cardholders. They take care of the details so you can take your seat and enjoy.  Learn more

Discounts on green fees at a growing number of golf clubs across the globe.  Learn more

Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app.  Learn more

- Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments - Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues Learn more

As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.

We’ve got you and your purchases covered

Benefits to help you feel protected wherever you go and whenever you spend.

Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets.  Learn more

Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets.  Learn more

Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances.  Learn more

All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date.  Learn more

Enjoy double the original manufacturer’s or retailer’s warranty for up to one year. For claims, email  [email protected]

Benefit from automatic protection against unauthorised transactions or fraudulent use of your card

The best travel credit cards in the UAE for air miles, hotel deals and more

By Keith J Fernandez

Tapping your credit card for convenience reasons alone is now an unforgivable missed opportunity. For several years now, UAE residents have been able to collect points on credit card spending for redemption against discounts on movies and dining, as well as cashback against fuel or retail purchases. But inveterate travellers know that credit cards can be used to turn everyday expenses into unforgettable getaways, and taking out the right credit card means that every dirham you spend can be redeemed against airline tickets, hotel stays or other incentives. 

Common features of travel credit cards in the UAE

Before signing on the dotted line, it’s worth taking a look at some common benefits that travel credit cards offer in the UAE. You’ll most commonly be eligible for the following – often without spending a dirham. Make sure to ask about these perks:

Welcome gift

Most travel credit cards offer reward points or miles as a sign-on bonus.

No annual fee

Another sign-on incentive, annual fees are typically waived for the first year. Some cards will carry this annual waiver forward if you spend a certain amount on your card each year.

Free access to airport lounges

The best credit cards offer a set number of complimentary visits to airport lounges , usually in the UAE, but sometimes in other countries. So if your flight is delayed – or you’ve somehow whizzed through check-in – you can relax with a nice, cold glass of something calming.

Supplementary credit cards

Typically, cardholders can sign up for a specified number of supplementary cards. These usually don’t cost more, and the overall credit limit doesn’t change. You should be able to set the spending limit on each add-on credit card.

Travel insurance

Some travel credit card issuers provide free travel accident insurance cover to the cardholder as well as compensation for the missed or delayed flights and lost luggage.

Golf benefits

Tee fees may be waived a couple of times a year for travel credit cardholders at specific golf courses in the UAE. 

Other benefits

Travel credit cards in the UAE may also provide benefits such as discount coupons for dining, complimentary movie tickets, concierge services, valet parking, purchase protection, et cetera.

The best travel credit cards in the UAE

There are a broad range of travel-friendly credit cards available in the UAE and we’ve researched the pros and cons, so you don’t have to. Here’s a shortlist of some of the most useful. Most are available in a number of variations aimed at different income levels.

Emirates Citibank Ultima Credit Card

Touted as being made of metal for the primary account holder, the best thing about this Citibank credit card is actually that you earn one Skywards mile on every $1 spent within the UAE. That rises to 1.5 Skywards miles for every dollar spent on foreign exchange and 2.5 Skywards miles on every dollar spent at Emirates.com. Once your application is approved, you receive a welcome bonus of 25,000 Skywards miles, and an additional 10,000 Skywards miles when you pay the $817 (Dh3,000) annual membership fee each year. Other benefits include two complimentary bookings with the airport concierge service, Marhaba, and up to six Careem airport car transfers (up to $30 each) and valet parking services. Are you eligible? You’ll need to be a UAE resident and earn a minimum monthly salary of $10,000 (Dh36,750).

Emirates NBD dnata Platinum Credit Card

Nothing less than the best for you? Emirates NBD may have just the ticket for you. As one of the most flexible credit cards, it carries straightforward discounts on airline tickets, holiday packages and dining in the UAE, as well as offering the bank’s Credit Shield Pro life and job loss insurance policy. In addition, there’s unlimited complimentary airport lounge access to more than 25 regional and international airports. Finally, it’s one of the cheaper credit cards, at $143 (Dh525) per year. As an introductory offer, the bank is advertising up to $272 (Dh1,000) in travel vouchers on its website. Are you eligible? UAE residents will need to earn at least $2,180 (Dh8,000) to apply for the card.

ADIB Etihad Guest Gold Card

High-flyers based in Abu Dhabi may want to consider ADIB’s co-branded cards with Etihad airways. They range from classic to platinum, each with a different eligibility profile. For example, the ADIB Etihad Guest Gold Card offers a substantial welcome bonus of 35,000 Guest miles. On international expenses, it provides 1.5 air miles for every $1.10 (Dh4) spent, or one air mile per $1.10 on domestic transactions. Other features include a coveted companion Etihad Airways ticket voucher when you spend $40,840 (Dh150,000) or more on your card, a high cash withdrawal limit and access to 850 VIP airport lounges globally (complimentary twice a year).

Are you eligible? ADIB doesn’t list the minimum salary requirement on its website, but the financial services comparison website, Policybazaar.ae, states that it’s a minimum of $1,361 (Dh5,000) per month.

HSBC Platinum Select Credit Card

Hate paying annual fees? You’re in luck with HSBC, which gives you Air Miles every time you spend on one of its credit cards. These can be traded in for free tickets (including the taxes) in any class. There are no blackout dates, so if there’s a seat available on the flight, you can book it through the Air Miles travel shop. Other features include discounts on restaurants with the discount app, Entertainer, as well as discounts on airlines such as British Airways. 

Are you eligible? To apply, you’ll need to live in the UAE and transfer at least $2,723 (Dh10,000) a month into an HSBC Personal Banking Account.

First Abu Dhabi Bank Infinite Travel Card

True globetrotters may want to pick a credit card that doesn’t limit your booking options to a single airline or hotel brand. FAB’s Infinite Travel card offers a choice of more than 800 airlines, and more than 500,000 hotels and car rentals for redemption against FAB miles. Partner programmes include Emirates Skywards, KLM-Air France’s Flying Blue, Avianca LifeMiles, Turkish Airlines Miles & Smiles, Club Vistara, Jumeirah One and IHG Rewards. You get 1.5 FAB miles on each dollar spent on retail purchases anywhere, and 2 miles for each dollar spent on travel. Redemption and payments all happen within the FAB Miles mobile app. Besides a welcome travel voucher of $408 (Dh1,500) on activating your card, other benefits include one complimentary hotel night for every three paid nights, complimentary access to more than 1,000 airport lounges globally for the cardholder and one guest, up to eight airport transfers a year within the UAE and up to six airport transfers capped at $25 per ride with Uber internationally.

Are you eligible? Bank account holders will need to earn at least $8,168 (Dh30,000) to apply.

What to consider before taking a travel credit card in the UAE

With the UAE’s tax-free salaries, many expats are spoilt for choice when it comes to being eligible for travel credit cards. But enticing as accruing air miles sounds, there’s always a caveat: you may well spend more than you intended in pursuit of your travel goal and sometimes you might be better off just buying the ticket directly. Paying your monthly statement in full can help you stay financially healthy, but you’ll also want to take a closer look at yearly fees, annual interest rates, and the complexity of each rewards programme before signing up for any credit card. Some rewards are widely advertised but notoriously expensive to cash in on so ask your friends and colleagues for their experiences. It’s also worth considering what’s more important to you: lounge access or hotel discounts? And do you really need to transfer your salary to the bank? No travel friendly credit card will offer the best of all its features, so decide what’s most important to you before making a final decision.

New FAB Travel Visa Card Offers Rewarding Travel Benefits

First Abu Dhabi Bank (FAB) has joined with Visa to launch the new FAB Travel Visa Credit Card, offering UAE customers a market-leading choice of flexible, added-value benefits when planning and booking travel abroad, or for turning purchases at home into holiday savings.

Available in three levels – ‘Elite Infinite’, ‘Infinite’ and ‘Signature’ – the FAB Travel Visa Credit Card is notable for the wide range of practical travel extras it provides.

Cardholders earn FAB Miles for every US dollar spent on retail purchases and can use these to book tickets across more than 800 airlines, accommodation at over 500,000 hotels worldwide, car rentals, and many other purchases. There are zero foreign transaction fees from FAB on purchases when using the card abroad, plus desirable features such as unlimited airport lounge access and travel insurance bundled into the package. All this through an easy-to-use Travel Portal accessed through the FAB Mobile app.

Futoon AlMazrouei, Group Head of Consumer Banking UAE at FAB, said: “The FAB Travel Visa Credit Card offers what we believe are the best benefits of any equivalent product available today. Card features provide value, convenience and confidence when travelling, including bookings with a best-in-class selection of trusted airline and accommodation brands. With enthusiasm for international travel returning, customers will appreciate top-quality travel insurance bundled with flight purchases made using the card, while access to airport lounges and private transfers also provide added peace of mind, as well as added comfort, during every journey.”

Shahebaz Khan, Visa's General Manager for the UAE, commented: "With many destinations easing their travel restrictions thanks to increasing vaccination rates in many parts of the world, we are starting to see demand return for international tourism. We are therefore pleased to partner with FAB in offering the Travel Visa credit card to the bank’s UAE customers.  It offers a compelling combination of convenience and security, with benefits – such as a selection of discounts at top brands - that enhance the travel experience. On top of it all, frequent travellers will be able to enjoy global acceptance at over 70 million Visa merchant partners worldwide."

Customers signing up to the Visa credit card will receive a ‘welcome’ travel voucher of between AED 1,000 and AED 2,000 to spend on their next holiday booking. Depending on the level of card, the FAB Travel Card can offer free airport transfers in the UAE, Careem by Visa and International UBER discounts, lounge access including up to 2 guests, concierge service with access to exclusive events including spa offerings, along with personal travel advisors and expert assistance.

Other discounts include meet-and-greet services at over 450 destinations internationally. Customers can receive one hotel night free for each three nights booked using the FAB Travel Portal, and there are offers on staycations and dining, including special rewards with Jumeirah Hotels and British Airways.

The inclusive insurance covers travel accident cover, international medical and travel assistance.  For those with memberships of other travel rewards programmes, customers can exchange FAB Miles to miles or points with participating airline or hotel partners.

The FAB Travel Visa Card is powered by global loyalty technology leader Ascenda who helped bring the highly compelling card value proposition to life.

For more information on the FAB Visa Travel Credit Card visit  www.bankfab.com .

© 2000 - 2024 Al Bawaba (www.albawaba.com)

Background Information

First abu dhabi bank.

FAB, the UAE’s largest bank and one of the world’s largest and safest institutions, offers an extensive range of tailor-made solutions, and products and services, to provide a customised experience. Through its strategic offerings, it looks to meet the banking needs of customers across the world via its market-leading Corporate and Investment Banking and Personal Banking franchises.

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FAB Multi Product Package Offer

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

OTHER KEY BENEFITS

• Golf offers
• Valet Parking
• Cinema Tickets
• Dining Offers
• Airport Lounge Access
• Purchase Protection
• Extended Warranty

TOP REASONS TO CHOOSE

• A wide selection of travel and lifestyle credit cards
• Get FAB Rewards equivalent of up to AED 10,000*
• Enjoy market leading rates for Mortgages

Non AED Transaction Fee

Cash Advance Fee

Joining Offers

• FAB One Current Account or Personal Current Account plus FAB iSave Account plus FAB credit card ( FAB Cashback Card, FAB Rewards Signature, Etihad Guest Signature, Blue FAB Signature Card by Al Futtaim, FAB Share Platinum or FAB Rewards Platinum Credit Card) plus FAB Personal Loan or FAB Auto Loan or FAB Home Loan - AED 3750 ( UAE Nationals) and AED 2500 ( Expats)
• Double your Bundle Rewards when you transfer your salary to FAB. 
• Earn additional FAB Rewards worth AED 2,500 with a Personal or Auto Loan or Home Loan of AED 50,000 in addition to a credit card.

Key Features

• FAB One Current Account Features:
• Free debit card with lifestyle benefits
• Free lounge access at selected airports for FAB Mastercard debit cardholders
• Four free cash withdrawals from any ATM in the UAE
• FAB Rewards on account balances
• Free cheque books
• No minimum balance charges
• Free international remittances
• FAB isave Account Features:
• Up to 5.25% interest per year on new funds
• No minimum balance requirement
• No restriction on the number of withdrawals
• Instant account opening through the FAB Mobile app
• Credit Cards:
• Instant credit card opening through the FAB Mobile app
• Travel, lifestyle, and cashback benefits
• FAB Rewards, cashback in Al-Futtaim FAB Rewards, SHARE points or Etihad Guest Miles for every transaction
• 0% Easy Payment Plans, Quick Cash, Balance Transfers
• Personal Loans :
• Exclusive benefits for UAE Nationals
• Interest rates starting from 4.74% per year
• Loan amounts of up to AED 5 million
• First installment grace period up to 210 days
• Exclusive benefits for expatriates:
• Interest rates starting from 5.34% per year
• Loan amounts up to AED 2 million
• First installment grace period up to 120 day
• The option of a non-salary Transfer Personal Loan with competitive terms if your employer is not on FAB’s Approved List of Employers
• Loans of up to AED 1.5 million or 80% of the car value
• Exclusive Benefits for UAE Nationals
• Competitive profit rates as low as 2.15% (equivalent to a reducing rate of 4.10%) per year
• Exclusive Benefits for Expatriates
• Competitive profit rates as low as 2.29% (equivalent to a reducing rate of 4.35%) per year
• Home Loans:
• Own your own home with FAB’s range of mortgage options and rates starting from 3.99%.
• Low down payments, high loan amounts, flexible rate options and helpful mortgage advisers
• Up to 85% financing for first-time buyers
• No approval-in-principle fee
• *Offer valid for the new and selected existing customers only. Products need to be availed within 60 days .

FAB Blue FAB Platinum Credit Card by Al-Futtaim

• Balance Transfer
• Airport Chauffeur Services
• Earn 5% cashback at Al-Futtaim brands with FAB Rewards
• Get a complimentary 0% Balance Transfer for up to 12 months
• Upto 4 movie tickets per month from AED 15
• Enjoy 2 complimentary airport transfers per annum
• Get up to AED 650 cashback with a Blue FAB Platinum Card

3.15 % / or AED 150

Apply for a Blue FAB Platinum Credit Card on the FAB Mobile app and receive up to AED 500 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 5,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023. First Year introductory rate of 2.08% per month

• Enjoy exclusive offers from Al-Futtaim brands
• Get a first-year introductory offer on interest rates starting from 2.08% per month Get access to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
• Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda
• Enjoy access to prestigious properties with the Visa Luxury Hotel Collection
• Get up to 30% off retail rates for yQ Airport meet & assist services at over 450 destinations globally
• Unlock 2-for-1 offers - xperience with the ENTERTAINER mobile app
• Get 10% credit back on Careem BIKE rentals
• Enjoy up to four movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema (minimum monthly spend on the credit card to quality for the benefit is AED 3,000)
• Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
• Enjoy 2 complimentary airport transfers per annum.
• Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
• Buyers Protection for extra peace of mind when purchasing an eligible item
• Receive up to four free supplementary cards for your family

Reward Features

• Earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys R Us, Toyota and many more*
• Earn two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere

FAB Cashback Credit Card

• Health & Fitness
• 5% cashback on supermarket and 3% on school fees and Dining
• Unlimited complimentary ariport lounge access
• FAB credit card instantly. Zero paperwork!

3.15 % / Min AED105

Apply for a new FAB Mastercard credit card and earn cashback and earn AED 300 cashback as welcome bonus

Make one retail transaction in the first 30 days of card issuance and you’ll receive AED 300 as bonus cashback.

• Cashback on all domestic and International transactions
• Free Supplementary Card
• Movie tickets as low as AED 15
• Unlimited complimentary ariport lounge access at select GCC lounges for primary & supplementary card holders
• Buy 1 Get 1 Free offers using the Mastercard app
• Exclusive Avis rent a car benefits
• Luxury Serviced Apartments and Hotel Offers
• 3.5% interest per month for Banking customers ( with salary transfer) & 3.75% interest per month for Non-Banking (Non salary transfer) customers.

Earn Cashback

• 5% cashback on supermarket (including online) Posted as 12.5 FAB Rewards/ AED 1 spending
• 3% cashback on school fees. Posted as 7.5 FAB Rewards/ AED 1 spending 
• 3% cashback on dining. Posted as 7.5 FAB Rewards/ AED 1 spending
• 0.15% All other spend . Posted as 0.3 FAB Rewards/ AED 1 spending

Cashback on non AED spend will earn 1% cashback.

5% cashback (up to AED 200 per month maximum) on supermarket spending 3% cashback (up to AED 200 per month maximum) on school fees 3% cashback (up to AED 200 per month maximum) on dining 0.15% unlimited cashback on all other spending

Things To Be Aware Of

• Max cashback caps apply to specific categories
• Annual fee of AED 525 for non salary transfer customers
• Foreign transaction fee is 2.49% + scheme charges

FAB Blue FAB Signature Credit Card by Al-Futtaim

• Get up to AED 1,000 cashback with a Blue FAB Signature Card
• Complimentary access to over 1,000 airport lounges globally
• 1st year introductory offer on interest rates starting 2.08%
• Earn 5% cashback in Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands. Get an additional 1% cashback via the Blue App when the Blue FAB Credit Card is registered and presented at the time of payment
• Earn 1% cashback in Al-Futtaim FAB Rewards for every AED 1 spent elsewhere
• Enjoy 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and brands
• Get a first-year introductory offer on interest rates starting from 2.08% per month (with the second year at 3.75% per month for customers with a salary transfer to a FAB account and 3.50% per month for non-salary transfer customers)
• Enjoy up to four movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema (minimum monthly spend on the credit card to quality for the benefit is AED 4,000)
• Reaching the airport on time has never been easier! Blue FAB Signature Credit Cardholders can enjoy 2 complimentary airport transfers per annum
• Enjoy complimentary access to over 1,000 airport lounges globally
• Benefit from a 24-hour concierge
• Access over 300 airport restaurant offers globally through the Visa Dine & Travel app
• Over 900 intriguing and prestigious properties from boutique gems to world famous hotels
• Up to 25% off on dining, spa & stay at Jumeirah Hotels & Resorts
• Opt for Credit Shield benefits so that your outstanding balance will be paid off if something happens and you can’t meet your credit card payments
• Receive SMS alerts on all your credit card transactions
• Benefit from an Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
• Get Buyers Protection for extra peace of mind when purchasing an eligible item
• Get multi-trip travel insurance coverage for you and your family
• Fraudulent Card Misuse offers protection against unauthorised transactions or the fraudulent use of your card by unrelated third parties
• Get Quick Cash at great rates directly in your UAE account
• Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app
• Manage your card, payments and much more quickly and easily through the FAB Mobile app
• Earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys ‘R’ Us, Toyota and many more*

FAB du Titanium Credit Card

• Contactless Tech
• Roadside Assistance
• No annual fee
• 10% cashback on du bills
• Fab rewards are instantly redeemable for du bills
• Access to airport lounges across the Middle East

3.15 % / Min 105

• 10% discount on du postpaid and home services
• 10% discount on du Smart Phone Privilege Plan
• 10% bonus credit on prepaid line recharges
• 10% discount on du home services bill payments
• Accelerated First Reward points on du transactions
• Select a loyalty program of your choice - rewards or cashback
• Reward redemption against your du bill payments
• Tap & go
• Talk for free
• Unlimited access to airport lounges across the Middle East
• VIP Diamond Lounge Access
• Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
• 10% cashback on your du postpaid line bills
• 10% cashback on du home services bill payments
• 10% cashback on prepaid line recharges
• 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior. Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

• Earn up to 2.5 FAB Rewards for every AED 1 you spend
• Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday
• Cashback categories have maximum caps
• Some benefits require minimum spends per month

FAB GEMS Titanium Credit Card

• Travel Insurance
• Up to 4.25% fixed discount on advanced payment of GEMS fees
• 10% Cashback with Shop Smart
• Enjoy access to airport lounges across the Middle East
• Enjoy special offers at restaurants, premium retail etc.
• Up to 4.25% discount on GEMS school tuition fee
• Convert the school fees into 0% interest Easy Payment Plan for up to 12 months
• Unlimited VIP airport lounge access in the Middle East
• Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
• Earn FAB reward points on all spends - domestic & international
• Special offers at numerous food & beverage outlets and family entertainment venues in UAE
• Education protection coverage up to AED 500,000 per child
• Home content insurance

Earn FAB Reward Points

• Earn 2.5 FAB Rewards Star for every AED 1 spent

Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday.

• Your child/children must be enrolled in a GEMS school
• Some benefits require minimum spend

FAB Etihad Guest Platinum Credit Card

• 10,000 welcome Etihad Bonus Guest Miles
• 25% Etihad Guest Miles discount voucher
• Miles Accelator and Double Miles on recurring trans.
• Airport Transfers Facility
• Free Cinema Tickets

Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.

Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.

Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.

• Receive 10,000 Etihad Guest Miles as welcome bonus for primary Card
• Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
• Miles Accelator Program
• Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
• Optional Miles Accelerator program
• 2 complimentary airport pick up and drop off services per calendar year
• Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
• 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
• 40% discount at over 100 golfcourses worldwide
• Visa VOX Cinemas offer - 50% off on Sundays
• Global purchase protection
• Extended warranty
• International medical and travel assistance

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

• Domestic transactions (AED): 2.0 Miles earned per AED 10
• International transactions (non-AED): 3.5 Miles earned per AED 10
• Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

• Some benefits require min spend
• Supplementary cards have annual fee of AED 250

FAB du Platinum Credit Card

• 10% discount on your du smartphone Privilege Plan monthly data charges
• Select a loyalty program of your choice - rewards, miles or cashback
• Mastercard Priceless Cities offers
• Mastercard Buy 1 Get 1 free offers
• Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
• AVIS Car rental offers
• Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
• Careem chauffeur benefits - 20% off 3 rides every month
• Tap & Go
• Free access 6 times a year to VIP airport lounges worldwide
• Free VIP Diamond Lounge Access at Abu Dhabi airport
• Valet parking up to 5 times a month in Dubai & Abu Dhabi
• Upto 4 discounted tickets at VOX

You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior. Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

• Earn up to 4 FAB Rewards for every AED 1 you spend

FAB Etihad Guest Signature Credit Card

• 35,000 welcome Etihad Guest Miles
• 50% Etihad Guest Miles discount voucher
• Access to 1000+ airport lounges across the world
• Fast track enrolment to Etihad Guest Silver Membership
• Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

• Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
• Double Etihad Guest Tier Miles
• Earn Etihad Guest Miles on all your purchases
• Visa luxury hotel collection offers
• 8% discount on hotel bookings made at Hotels.com
• 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
• 10% discount on Etihad Airways holiday package
• Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
• Fast track enrolment to Etihad Guest Silver membership
• Complimentary inflight wi-fi vouchers
• Access to 1000+ airport lounges across the world, 8 times per annum
• Visa golf access - exclusive discounts on highly prestigious golf courses
• Exclusive 24/7 Concierge Service
• Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
• Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
• Extended warranty & purchase protection on purchases made on the card
• 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
• Subscribe to Anghami Plus and enjoy upto four months free for the first year
• Domestic transactions (AED): 2.75 Miles earned per AED 10
• International transactions (non-AED): 4.5 Miles earned per AED 10
• Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS

All purchase transactions (domestic or international): 2.5 Miles earned per AED 10

Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

FAB Al-Futtaim Platinum Credit Card

• Enjoy 2 airport transfers every year
• Exclusive offers and 5% cashback from Al-Futtaim showrooms
• Complimentary 0% balance transfer for up to 12 months
• Earn Al-Futtaim Stars on all purchases and redeem them for a range of travel benefits
• Enjoy 0% EPP at Al-Futtaim showroom and storess
• 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
• Exclusive offers from Al-Futtaim showrooms and stores
• Unlimited airport lounge access across select airports in the Middle East
• Purchase protection cover
• Global lost & stolen reporting service & emergency card replacement
• Introducty interest rate of 2.08% for first year post which the standard rates apply
• 3.25% with salary transfer and 3.5% without salary transfer

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases.

EXCLUSIVE AL-FUTTAIM OFFERS

Get exclusive offers from Al-Futtaim brands.

FAB Rewards Platinum Credit Card

• Earn more FAB Rewards on your spending and gaming
• Movie tickets from just AED 15
• Get up to two airport transfers a year
• Purchase Protection and Extended Warranty

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.

• Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
• Visa lifestyle benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
• Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city)
• Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
• Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
• International Medical and Travel Assistance: If you used your FAB Rewards Platinum Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
• principal country of residence for up to 90 days*.
• Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

FAB REWARDS

The fastest way to increase your FAB Rewards earning 

• FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
• More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
• More FAB Rewards: Earn up to 1 FAB Reward per AED 1 spent on your card.
• Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more.

FAB Ferrari Infinite Credit Card

• Exclusive Ferrari offers
• Extensive premium lifestyle benefits
• Premium travel benefits
• Exclusive Ferrari experiences - Ferrari Driving Experience, Ferrari Challenge Race, Ferrari Factory and Museum Tour
• Complimentary Premium Subscription to the Scuderia Ferrari Online Community
• Choice of loyalty rewards - Rewards, Miles or Cashback
• Unlimited access to 750+ airport lounges globally for cardholder plus a guest
• Airport Dining Discount Program with DragonPass
• Discounts with Agoda
• Visa Luxury Hotel Collection
• 90+ TimeOut Dining offers in UAE
• 20% off at Jumeirah Dining establishments
• Jumeirah Hotel Stay Offers
• YQ Meet & Greet Service discounts
• AVIS Car Rental offers
• Medical & Travel assistance
• Global Customer Assistance Services
• Multi-trip travel insurance cover up to US $1,000,000
• Purchase protection

Choose from First Rewards, First Miles or First Cashback

First Rewards

• Earn 1 First Reward point for every 1 AED spent locally
• Earn double reward points for international spends (points awarded for minimum spend of AED 500 and maximum of AED 20,000)
• No reward points on utility bill spends above AED 2,000
• Earn double reward points for supermarket spends
• No points for govt and fuel spends

To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more First Miles Earn 2 First Miles for every $1 spent internationally and 1 First Mile for every $1 spend locally. Redeem against any airline, hotel or any travel service in the world without any blackout dates. First Cashback Guaranteed cashback earnings up to 5%, with no minimum spend criteria.

• Some benefits require minimum spend of AED 1,500 p.m

FAB Blue FAB Infinite Credit Card by Al-Futtaim

• Unlock 2-for-1 offers - xperience with the ENTERTAINER app
• Get up to AED 1,500 cashback with a Blue FAB Infinite Card

Apply for a Blue FAB Infinite Credit Card on the FAB Mobile app and receive up to AED 1,000 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 10,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023.

• Get a first-year introductory offer on interest rates starting from 1.66% per month
• Enjoy up to eight movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema
• Enjoy six airport transfers per year from just AED 40 (intra-city service only)
• Enjoy 6 complimentary airport transfers per annum.
• Enjoy complimentary access to over 1,000 airport lounges globally for you and a guest
• Get access to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
• Get 20% off three Careem rides monthly and 50% off three Careem Food & Shop orders every month
• International transactions will incurre scheme charges too

FAB Manchester City FC Titanium Card

• No Annual fee
• Win a trip to Etihad Stadium to watch Manchester City
• Win a chance to meet the Manchester City Team in the UK
• Exclusive Manchester City Football Club experiences
• Win a trip to the Etihad Stadium to watch Manchester City in action
• Witness One of the Final Matches in the UK
• Win official kids coaching lessons
• Win Mall Vouchers
• Redeem loyalty points against MCFC merchandise
• Priceless Arabia Mastercard Offers
• Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

FAB Etihad Guest Infinite Credit Card

• 75% Etihad Guest Miles Discount Voucher
• Fast Track Enrolment to Etihad Guest Gold Membership
• Complimentary Inflight Wifi Vouchers
• Optional Etihad Guest Miles Accelerator
• 55,000 welcome Etihad Guest Miles

Get a warm welcome with 55,000 Etihad Guest Miles bonus.

• Receive 55,000 Etihad Guest Miles as welcome bonus
• Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
• 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
• Fast track enrolment to Etihad Guest Gold membership
• 6 complimentary airport pick up and drop off services per calendar year
• Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
• Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
• Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
• Domestic transactions (AED): 3.5 Miles earned per AED 10
• International transactions (non-AED): 6.0 Miles earned per AED 10
• Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND

All purchase (domestic or international): 2.5 Miles earned per AED 10

Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

FAB Rewards Elite Infinite Credit Card

• More FAB rewards on Gaming
• Earn up to 4 FAB Rewards for every AED 1 spent on your card
• Valet parking, Airport transfers and Golf discounts

3.15 % / or AED 105

Get a FAB Rewards welcome bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.

• Enjoy four free valet parking services a month at selected locations in the UAE.
• Enjoy eight movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema.
• Get exclusive discounts at great golf courses*.
• Get even more great offers with Visa including offers on dining, The Entertainer and Global Blue*.
• Get up to eight free airport transfers a year.
• Get up to eight free Meet and Greet Services at Dubai International Airport
• Enjoy free airport lounge access in 1,000+ lounges worldwide for you and a guest
• Enjoy travel benefits and discounts with Visa’s partners including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many more*.
• Get complimentary travel insurance of up to USD 1 million*.
• Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
• Benefit from automatic protection against unauthorised transactions or the fraudulent use of your card*.
• If you used your FAB Rewards Elite Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to
• 90 days*. Learn more.
• If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

FAB REWARDS WELCOME BONUS

MORE FAB REWARDS ON GAMING

Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.

MORE FAB REWARDS

Earn up to 4 FAB Rewards per AED 1 spent on your credit card.

REDEEM INSTANTLY

Instantly redeem your FAB Rewards through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more.

• International transaction has scheme charges in addition

FAB Rewards Infinite

• Earn up to 5 FAB Rewards for every AED 1 you spend
• Access to over 1,000+ Airport Lounges
• Complimentary multi-trip travel insurance
• Golf discounts with Visa Golf

3.15 % / AED 158

• A convenient solution for all those enjoy the basic luxuries in life! FAB Infinite Credit Cardholders can enjoy 3 valet parking services per month at select locations.
• FAB Infinite Credit Cardholders can enjoy 6 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal, and Oscar Cinemasand at AED 20 during weekends at Vox Cinemas.
• Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses.
• Make the most of your trip with a 24-hour Concierge Service to help you with an array of travel-related tasks.
• Plus hundreds more top-class offers available to FAB Infinite Credit Cardholders.
• Get welcomed at the airport in style! FAB VISA Infinite Credit Cardholders can enjoy 6 Meet & Greet services per annum from AED 40 (individual booking) or AED 100 (family booking). Note: The service at Abu Dhabi airport is temporarily on hold until
• further notice
• Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest.
• Visa gives you 20% off on 3 airport transfers with Careem.
• Get complimentary Travel Accident Insurance of up to USD 1 million.
• Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty.
• Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
• If you have used your FAB Visa Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90

Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.

Earn up to 4 FAB Rewards per AED 1 spent on your card

• Spend critiera applicable for Valet and Movies

FAB Rewards Signature Credit Card

• Benefits and discounts across travel and lifestyle
• Get up to two airport transfers a year from AED 40
• Enjoy free access to 1000+ airport lounges worldwide.
• Valet Parking: Enjoy two free valet parking services a month at selected locations in the UAE.
• Golf Discounts: Get exclusive discounts at great golf courses*.
• Visa Lifestyle Benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
• Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city) .
• Airport Lounge Access: Enjoy free access to 1000+ airport lounges worldwide.
• Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners, including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
• Travel Accident Insurance: Get complimentary travel insurance of up to USD 500,000*.
• Fraud: Benefit from automatic protection against unauthorised transactions or the fraudulent use of your card*.
• International Medical and Travel Assistance: If you used your FAB Rewards Signature Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
• *Services offered and supported by Visa. Terms and conditions of the offer(s) may change without prior notice. Click here for more details about these great benefits

The fastest way to increase your FAB Rewards earning: 

FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance. More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more. More FAB Rewards: Earn up to 2 FAB Rewards per AED 1 spent on your card. Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more

FAB SHARE Platinum Credit Card

• Get 2 for 1 cinema tickets at VOX Cinemas
• Get 10,000 complimentary SHARE points
• Get a chance to win back your monthly spend at MOE and CC
• Accelerate your value back in SHARE points with no limits on your SHARE earnings
• Get 10,000 complimentary SHARE points (worth AED 1,000) when you activate your FAB SHARE Platinum Credit Card
• Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
• Earn up to 6.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
• Earn up to 4.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
• Earn up to 2.25% value back in SHARE points on international spending, other retail spending, and online shopping
• Get a chance to win back your monthly spend at Mall of the Emirates and all City Centres in the UAE (up to AED 1,000 for one winner)
• First-of-its-kind biometric verification is built into your credit card for even safer transactions
• Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app

Carrefour (in-store or online)

• Regular SHARE points earning per AED 1 spent*   = 0.25%
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent =6.5%
• Additional earnings when you transfer your salary to a FAB account =0.25%

Spending at Mall of the Emirates and City Centres across the UAE*

• Regular SHARE points earning per AED 1 spent* =Up o 1%
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 3%
• Additional earnings when you transfer your salary to a FAB account = 0.25%

Spending at VOX Cinemas, Ski Dubai, Dreamscape, iFLY Dubai, Magic Planet, and Little Explorers

• Regular SHARE points earning per AED 1 spent* = 3%
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 3% (at Mall of Emirates or City Centres in the UAE)
• Additional earnings when you transfer your salary to a FAB account= 0.25%

Other retail, online and international spending

• Earning on the FAB SHARE Standard Credit Card per AED 1 spent= 2%

Spending at selected merchants* including utility and fuel providers and other supermarkets

• Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 0.5%

FAB SHARE Signature Credit Card

• Earn up to 7% value back in SHARE points at Carrefour
• Access to more than 1,000 airport lounges worldwide
• Get 2-for-1 offers with the Entertainer App from Visa
• Get 20% off three Careem rides monthly
• Earn up to 8.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
• Earn up to 6.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
• Earn up to 2.75% value back in SHARE points on international spending, other retail spending, and online shopping
• FAB SHARE Credit Cardholders can enjoy two VOX Cinemas tickets for the price of one ticket
• Use SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
• Get free access to more than 1,000 airport lounges worldwide through LoungeKey from Visa
• Get 20% off three Careem rides monthly, 30% off three Careem Food & Shop orders every month, and 10% credit back on Careem BIKE rentals from Visa
• Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
• *Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 5%
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 5% (at Mall of Emirates or City Centres in the UAE)
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent= 2.5%

FAB SHARE Standard Credit Card

• Biometric verification is built into your credit card
• h no limits on your SHARE earning
• Earn up to 5.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
• Earn up to 3.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
• Earn up to 1.75% value back in SHARE points on international spending, other retail spending, and online shopping
• Use SHARE points to pay for purchases and experiences at Mall of the Emirates and all City Centres across the UAE
• Get great rates and convenient repayment plans on balance transfers
• *Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 2%
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent = 2% (at Mall of Emirates or City Centres in the UAE)
• Earning on the FAB SHARE Standard Credit Card per AED 1 spent= 1.5%

FAB Standard Credit Card

• Free for life
• Upto 25 days interest free
• High credit limits
• Shop smart - 10% discount on leading global online stores
• Complimentary Bronze Meet and Greet Service
• Complimentary Lounge Access (Dubai or Abu Dhabi International Airport)
• Accident care plan
• Emergency auto assistance

FAB Visa Infinite Travel Card

• Guaranteed AED 1500 travel voucher as joining offer
• No international transaction bank fee
• 1 complimentary night for every 3 paid nights on FAB portal
• Redeem across 800+ airlines, 500,000+ hotels and car rental
• Unlimited free access across over 1,000+ airport lounges

Get a guaranteed AED 1500 travel voucher on card activation  to use for travel bookings on the FAB Travel Portal.

• Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more.
• Get a guaranteed AED 1500 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
• Use your Travel Card abroad with no foreign transaction fees on your purchases (excluding currency conversion / scheme charges).
• One complimentary night for every three paid nights when booked through the FAB Travel Portal.
• Unlimited free access across over 1000+ airport lounges globally for the cardholder and one guest.
• Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE.
• Enrol as Jumeirah One member and receive exclusive benefits with tier level upgrades for select cardholders.
• Use your FAB Elite Infinite Travel Card on UBER internationally and get up to US $25 credit per ride (up to six rides).
• Get up to 8 free airport transfers a year within the UAE no matter which airport you are using.
• One free ride per trip within the same emirate
• Two free rides per trip between emirates
• As a Visa Signature and Visa Infinite cardholder, get 20% off three Careem rides by Visa. For details visit ae.visamiddleeast.com.
• Visa cardholder benefits that make life more rewarding. As a Visa cardholder, get great travel and entertainment benefits with your Visa FAB credit card
• Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card.
• Visa’s 24-hour concierge provides a personal service for all Visa Elite Infinite cardholders.
• Discounts on green fees at a growing number of golf clubs across the globe.
• Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app.
• Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments
• Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues
• As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.
• Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets.
• Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets.
• Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances.
• All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date.
• Enjoy double the original manufacturer’s or retailer’s warranty for up to one year.
• Above offers are subject to change.

Get 1.5 FAB Mile for each USD $1 spent on retail purchases anywhere

Get 2 FAB Miles for each USD $1 spent on any travel purchase 

Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.

Participating partners include :

• Avianca LifeMiles
• BIG Rewards
• British Airways Executive Club
• Club Vistara
• Emirates Skywards
• Flying Blue
• Fortune Wings Club
• IHG® Rewards
• Jumeirah One
• Turkish Airlines Miles&Smiles
• Wyndham Rewards

First Abu Dhabi Bank (FAB) Credit Cards

• First Abu Dhabi Bank (FAB) Cashback Credit Cards
• First Abu Dhabi Bank (FAB) Cobranded Credit Cards with Etihad Airlines
• First Abu Dhabi Bank (FAB) No Annual Fee Credit Cards
• First Abu Dhabi Bank (FAB) Points / Rewards Credit Cards
• First Abu Dhabi Bank (FAB) Premium Credit Cards
• First Abu Dhabi Bank (FAB) Travel / Air Miles Credit Cards

First Abu Dhabi Bank (FAB) Credit Cards Features

• First Abu Dhabi Bank (FAB) Credit Cards with Air Miles
• First Abu Dhabi Bank (FAB) Credit Cards with Airport Chauffeur Services
• First Abu Dhabi Bank (FAB) Credit Cards with Airport Lounge Access
• First Abu Dhabi Bank (FAB) Credit Cards with Balance Transfer
• First Abu Dhabi Bank (FAB) Credit Cards with Cinema Tickets
• First Abu Dhabi Bank (FAB) Credit Cards with Contactless Tech
• First Abu Dhabi Bank (FAB) Credit Cards with Dining Offers
• First Abu Dhabi Bank (FAB) Credit Cards with Extended Warranty
• First Abu Dhabi Bank (FAB) Credit Cards with Golf offers
• First Abu Dhabi Bank (FAB) Credit Cards with Health & Fitness
• First Abu Dhabi Bank (FAB) Credit Cards with Purchase Protection
• First Abu Dhabi Bank (FAB) Credit Cards with Roadside Assistance
• First Abu Dhabi Bank (FAB) Credit Cards with Travel Insurance
• First Abu Dhabi Bank (FAB) Credit Cards with Valet Parking

Credit Cards by Bank

• Emirates NBD Credit Cards
• Abu Dhabi Commercial Bank (ADCB) Credit Cards
• Dubai Islamic Bank (DIB) Credit Cards
• Mashreq Bank Credit Cards
• Abu Dhabi Islamic Bank (ADIB) Credit Cards
• Al Masraf Credit Cards
• American Express Credit Cards
• Citibank Credit Cards
• Commercial Bank International (CBI) Credit Cards
• Commercial Bank of Dubai (CBD) Credit Cards
• Deem Credit Cards
• Finance House Credit Cards
• HSBC Credit Cards
• Najm Credit Cards
• Noor Bank Credit Cards
• RAKBANK Credit Cards
• Simplylife Credit Cards
• Standard Chartered Bank (SCB) Credit Cards
• Union National Bank (UNB) Credit Cards
• United Arab Bank (UAB) Credit Cards
• Dubai First Credit Cards
• Emirates Islamic Credit Cards

First Abu Dhabi Bank

First Abu Dhabi Bank PJSC, formerly National Bank of Abu Dhabi PJSC, is a United Arab Emirates-based public joint stock company that is engaged in the banking sector. It is structured, along with its subsidiaries, into the following business segments:

Domestic Banking, comprised of the following divisions, namely consumer banking, business banking group and elite banking; International Banking, which manages the overseas banking network and credit derivative book.

Financial Markets segment, which operates through liquidity management and interest rate group, trading and investment group, institutional coverage and primary market, corporate coverage, and e-commerce group.

Corporate and Investment Banking segment, which provides corporate and investment clients with advice and solutions.

Global Wealth segment, comprised of private banking, asset management group, custody, and business development, among others, and the Islamic Business segment, which offers Islamic banking solutions.

Headquartered in Abu Dhabi, FAB bank’s international network spans five continents, providing the global relationships, expertise, and financial strength to support local, regional, and international businesses seeking to do business at home and abroad.

The bank delivers the best financial services that enable the customers to grow stronger. The objective is to treat your financial needs with priority, speed and always being transparent and secure.

Range of services offered by FAB –

• Credit Cards
• Prepaid Cards
• Bancassurance
• Wealth Management Advisory

FAB Credit Cards

Known for their customer friendly products and features, First Abu Dhabi Bank is a leader in credit cards space in Dubai, UAE . They offer popular cards under Travel, Lifestyle and Cashback segments. They recently launched FAB Cashback credit cards   which has one of the best cash back proposition in the market. Explore our Top 10 Fab Credit Cards .

Welcome to an exploration of the exclusive offers available on First Abu Dhabi Bank (FAB) credit cards in the United Arab Emirates (UAE). FAB, a leading financial institution in the region, offers a range of credit cards tailored to suit diverse lifestyles and preferences. From travel perks to dining privileges, cashback rewards to shopping discounts, FAB credit cards provide an array of benefits designed to enhance your everyday experiences and elevate your financial journey.

In this guide, we'll delve into the enticing offers and promotions available to FAB credit card holders across various categories, allowing you to maximize savings, indulge in luxury experiences, and unlock unparalleled conveniences. Whether you're a frequent traveler, a culinary enthusiast, or simply seeking to optimize your spending, there's a FAB credit card offer waiting to cater to your needs and aspirations.

Join us as we navigate through the realm of FAB credit card benefits, unveiling the opportunities that await you in the vibrant landscape of the UAE. Let's embark on a journey of discovery and seize the countless advantages that FAB credit cards bring to enrich your lifestyle and elevate your financial well-being.

Exclusive Cinema Offers with FAB Credit Cards

Are you a movie enthusiast looking for affordable ways to enjoy the latest blockbusters? Look no further! FAB Credit Cards bring you a range of exclusive cinema offers that promise an unparalleled movie-watching experience. From discounted tickets to special privileges, here's everything you need to know about FAB's cinema offers:

1. Blue FAB Infinite Credit Card by Al-Futtaim:

  - Enjoy up to eight movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

  - Minimum monthly spend required: AED 6,000.

2. Blue FAB Platinum Credit Card by Al-Futtaim:

   - Grab up to four movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

   - Minimum monthly spend required: AED 3,000.

3. Blue FAB Signature Credit Card by Al-Futtaim:

   - Avail up to four movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

   - Minimum monthly spend required: AED 4,000.

4. Cashback Credit Card:

   - Get up to two cinema tickets every month for AED 15 each on weekdays and AED 20 each on weekends at Reel Cinemas, Royal Cinema, and Oscar Cinema.

   - Enjoy a 20% discount on food and drinks.

5. Etihad Guest Infinite Credit Card:

   - Grab six movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

6. Etihad Guest Platinum Credit Card:

   - Enjoy four movie tickets per month at discounted rates with Reel Cinemas and Cine Royal.

   - Buy 1 get 1 free on VOX Cinema tickets for Sunday showings.

7. Etihad Guest Signature Credit Card:

   - Avail of four movie tickets per month at discounted rates with Reel Cinemas and Cine Royal.

8. FAB SHARE Platinum, Signature, and Standard Credit Cards:

   - Enjoy two VOX Cinemas tickets for the price of one.

9. GEMS Titanium Credit Card:

   - Grab two movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

10. Rewards Elite Infinite, Rewards Infinite, Rewards Platinum, and Rewards Signature Credit Cards:

    - Enjoy up to eight, six, or four movie tickets per month starting from AED 15 on weekdays and AED 20 on weekends at Reel Cinemas and Cine Royal.

With such fantastic offers available across a wide range of FAB Credit Cards, movie buffs can now indulge in their favorite pastime without breaking the bank. Whether you prefer action-packed blockbusters or heartwarming dramas, there's something for everyone at the cinema. So, why wait? Apply for your FAB Credit Card today and start enjoying the magic of the silver screen like never before!

Elevate Your Golfing Experience with FAB Credit Cards

Are you passionate about golfing and seeking exclusive benefits to enhance your experience on the green? Look no further than FAB Credit Cards, which offer a range of enticing golf offers to elevate your game. Here's a comprehensive review of the golf benefits available across various FAB Credit Card products:

1. Etihad Guest Infinite Credit Card:

   - Unlock exclusive discounts on highly prestigious golf courses through Visa Golf.

   - Elevate your golfing experience to the next level with unparalleled savings.

2. Etihad Guest Platinum Credit Card:

   - Enjoy golf discounts with Visa Golf, enabling you to access highly prestigious golf courses at exclusive rates.

   - Take advantage of these offers to enhance your golfing adventures and enjoy unparalleled savings.

3. Etihad Guest Signature Credit Card:

   - Take your golfing experience to new heights with Visa Golf, offering exclusive discounts on highly prestigious golf courses.

   - Elevate your game and enjoy the privileges of playing at top-tier golf courses with significant savings.

4. Rewards Elite Infinite, Rewards Infinite, and Rewards Signature Credit Cards:

   - Gain access to exclusive discounts at top-notch golf courses, enhancing your golfing experience.

   - Enjoy the prestige of playing at renowned golf courses while benefiting from significant savings.

5. Visa Infinite Travel Card:

   - Experience the thrill of golfing at great courses with exclusive discounts available to Visa Infinite Travel Cardholders.

   - Maximize your golfing adventures and enjoy substantial savings with these exclusive offers.

Overall, FAB Credit Cards provide avid golfers with unparalleled opportunities to elevate their game and enjoy prestigious golfing experiences at discounted rates. Whether you're a seasoned golfer or just starting out, these exclusive benefits ensure that you can enjoy the sport to the fullest while saving money. Apply for your FAB Credit Card today and take your golfing adventures to new heights!

Experience Convenience and Luxury with FAB Credit Card Valet Offers

Are you looking for a hassle-free parking experience that adds a touch of luxury to your outings? Look no further than FAB Credit Cards, which offer exclusive valet parking benefits at selected locations across the UAE. Here's a detailed review of the valet offers available on various FAB Credit Card products:

1. Rewards Elite Infinite Credit Card:

   - Enjoy the convenience of four complimentary valet parking services every month at selected locations in the UAE.

   - Experience the luxury of seamless parking, allowing you to focus on enjoying your day without worrying about parking hassles.

2. Rewards Infinite Credit Card:

   - Benefit from three free valet parking services per month at designated locations across the UAE.

   - Enhance your outings with the convenience of valet parking, making every trip a stress-free experience.

3. Rewards Signature Credit Card:

   - Indulge in the luxury of two complimentary valet parking services each month at selected venues in the UAE.

   - Elevate your parking experience with the convenience and prestige of valet services, adding a touch of sophistication to your outings.

With FAB Credit Cards, you can enjoy the convenience and luxury of valet parking without any additional cost. Whether you're heading for a shopping spree, dining out, or attending an event, these valet offers ensure that parking is the least of your worries. Apply for your FAB Credit Card today and elevate your parking experience to new heights!

Elevate Your Travel Experience with FAB Credit Card Airport Transfer Offers

Are you tired of stressing about airport transportation and rushing to catch your flight on time? FAB Credit Cards have got you covered with their exclusive airport transfer offers, ensuring a seamless and stress-free journey to and from the airport. Here's a comprehensive review of the airport transfer benefits available on various FAB Credit Card products:

1. Blue FAB Infinite & Platinum Credit Cards by Al-Futtaim:

   - Enjoy the convenience of 2 airport transfers per year at a nominal fee starting from AED 40 per trip.

   - Book your transfers hassle-free by contacting [email protected] or calling 04 852 4856.

2. Blue FAB Signature Credit Card by Al-Futtaim:

   - Benefit from 6 airport transfers per year within the city or between cities, starting from AED 40 for intra-city service or AED 100 for intercity service.

   - Book your transfers effortlessly by contacting [email protected] or calling 04 852 4856.

3. Etihad Guest Infinite & Platinum Credit Cards:

   - Enjoy 6 or 2 airport transfers per year, respectively, starting from AED 40 for within-city service or AED 100 for intercity service.

   - Book your transfers seamlessly by contacting [email protected] or calling 04 852 4856.

4. Rewards Elite Infinite, Rewards Infinite, Rewards Platinum, and Rewards Signature Credit Cards:

   - Avail up to 8, 6, or 2 airport transfers per year, respectively, starting from AED 40.

   - Ensure a stress-free journey with hassle-free booking.

   - Enjoy up to 8 free airport transfers per year within the UAE, including international airport transfers with Uber.

   - Experience luxury travel with complimentary rides within and between emirates, along with international airport transfers.

With FAB Credit Card airport transfer offers, you can bid farewell to transportation worries and focus on enjoying your travel experience. Whether you're traveling for business or leisure, these exclusive benefits ensure a smooth journey from start to finish. Apply for your FAB Credit Card today and elevate your travel experience to new heights!

Elevate Your Travel Experience with FAB Card Airport Lounge Access

Are you tired of the hustle and bustle of crowded airport terminals? With FAB Credit Cards, your travel experience just got a whole lot better. Let's take a closer look at the exclusive airport lounge access benefits offered by various FAB Card products:

1. Blue FAB Infinite Credit Card:

   - Access over 300 airport restaurant offers globally through the Visa Dine & Travel app, ensuring a delightful dining experience before your flight.

2. Blue FAB Platinum Credit Card:

   - Enjoy complimentary access to over 1,000 airport lounges worldwide, providing you with a serene and relaxing environment to unwind before your journey.

3. Blue FAB Signature Credit Card:

   - Experience luxury travel with complimentary access to over 1,000 airport lounges globally, where you and a guest can indulge in premium amenities and services.

   - Enjoy free, unlimited access to over ten airport lounges in select countries, including the UAE, KSA, Jordan, Kuwait, and Egypt, ensuring a comfortable and convenient pre-flight experience.

5. du Titanium Credit Card:

   - Relax in style with complimentary access to more than ten VIP lounges across the Middle East, offering business facilities and complimentary refreshments.

6. Etihad Guest Infinite Credit Card:

   - Unlock up to 12 visits to over 1,000 airport lounges worldwide using LoungeKey, complemented by exclusive discounts on airport transfers with Careem.

7. Rewards Elite Infinite, Rewards Infinite, and Rewards Signature Credit Cards:

   - Enjoy free airport lounge access in over 1,000 lounges worldwide, providing you and a guest with a tranquil retreat amidst the airport hustle.

8. FAB SHARE Signature Credit Card:

   - Gain free access to over 1,000 airport lounges worldwide through LoungeKey from Visa, ensuring a seamless and enjoyable travel experience.

   - Enjoy complimentary access to 10+ airport lounges across the Middle East, allowing you to relax and rejuvenate before your flight with no prior booking required.

10. Manchester City FC Titanium Card:

    - Experience the privilege of travel with complimentary access to over 10 VIP lounges in select countries, offering business facilities and refreshments for a seamless journey.

11. Visa Infinite Travel Card:

    - Enjoy unlimited free access to over 1,000 airport lounges globally for you and a guest, ensuring a luxurious and comfortable start to your travels.

With FAB Credit Cards, travel becomes a truly luxurious and stress-free experience. Say goodbye to airport terminal chaos and hello to relaxation and comfort in exclusive airport lounges worldwide. Apply for your FAB Credit Card today and elevate your travel experience to new heights!

Unlock Exclusive Hotel Offers with FAB Credit Cards

Looking to elevate your travel experience? With FAB Credit Cards, you can unlock a world of exclusive hotel offers and enjoy unparalleled savings on your accommodation. Let's explore the enticing hotel benefits offered by various FAB Card products:

   - Gain access to over 900 intriguing and prestigious properties worldwide, from boutique gems to renowned hotel chains. With millions of options available, Booking.com provides incomparable choices for your stay.

   - Enjoy the luxury of over 900 prestigious properties globally, with savings of up to 12% on hotel bookings. Additionally, indulge in up to 25% off on dining, spa, and stays at Jumeirah Hotels & Resorts for a truly lavish experience.

   - Benefit from savings of up to 12% at over 985,000 hotels and vacation rentals worldwide with Agoda. Whether you're planning a weekend getaway or an extended vacation, enjoy unbeatable discounts on your accommodation.

   - Enjoy up to 10% cashback on your hotel bookings, making your travel experience even more rewarding. With millions of properties available on Booking.com and 15% discount on hotel rooms at IHG Hotels & Resorts, your savings are guaranteed.

5. Rewards Elite Infinite, Rewards Infinite, and Rewards Signature Credit Cards:

   - Unlock a plethora of travel benefits and discounts with Visa's partners, including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, and Booking.com. Whether you're looking for luxury accommodation or budget-friendly options, these cards have got you covered.

6. Visa Infinite Travel Card:

   - Enjoy the ultimate luxury with one complimentary night for every three paid nights when booked through the FAB Travel Portal. Experience unparalleled comfort and convenience with this exclusive offer.

With FAB Credit Cards, your hotel stays become more than just accommodation—they become unforgettable experiences. Whether you're traveling for business or leisure, these cards offer unbeatable benefits and savings that enhance every aspect of your journey. Apply for your FAB Credit Card today and embark on your next adventure in style!

 Comprehensive Protection Offers with FAB Credit Cards

FAB Credit Cards not only provide convenient payment solutions but also offer a range of protection benefits to ensure peace of mind for cardholders and their families. Let's delve into the detailed review of the protection offers available with various FAB Credit Card products:

1. Blue FAB Platinum Credit Card & Blue FAB Signature Credit Card:

   - Multi-trip travel insurance coverage for you and your family.

   - Buyers Protection for added assurance when purchasing eligible items.

   - Extended Warranty providing double the repair period offered by the original manufacturer's warranty for up to one year.

2. Etihad Guest Infinite Credit Card:

   - Travel Accident Insurance: Enjoy complimentary coverage of up to USD 1 million.

   - Purchase Protection and Extended Warranty: Receive coverage extending 12 months beyond the manufacturer or retail warranty.

   - Medical and Travel Assistance Insurance: Eligible when using the card to pay for travel outside the principal country of residence for up to 90 days.

3. Etihad Guest Platinum Credit Card & Etihad Guest Signature Credit Card:

   - Purchase Protection and Extended Warranty: Benefit from coverage extending 12 months beyond the manufacturer or retail warranty.

   - Complimentary International Medical and Travel Assistance: Ensures a memorable trip with free assistance during international travel.

4. FAB SHARE Signature Credit Card:

   - Free International Medical and Travel Insurance from Visa.

   - Purchase Protection and Extended Warranty: Coverage extending 12 months beyond the manufacturer or retail warranty.

5. GEMS Titanium Credit Card:

   - Education Protection Coverage: Provides coverage of up to AED 500,000 per child for educational expenses.

6. Rewards Elite Infinite, Rewards Infinite, Rewards Platinum Credit Cards, & Rewards Signature Credit Card:

   - Complimentary Travel Insurance: Coverage of up to USD 1 million.

   - Free Medical and Travel Assistance Insurance: Eligible when using the card to pay for travel outside the principal country of residence for up to 90 days.

7. Visa Infinite Travel Card:

   - Free Travel Accident Insurance: Coverage of up to USD 1 million when purchasing travel tickets using the FAB Travel Card.

These protection offers provide comprehensive coverage for various aspects of cardholders' lives, including travel, purchases, and education expenses. With FAB Credit Cards, you can enjoy financial security and peace of mind in every aspect of your life journey.

Review of Meet and Greet Offers on FAB Credit Cards

FAB (First Abu Dhabi Bank) Credit Cards present an array of enticing perks, and their Meet and Greet services stand out as a valuable addition for travelers. Here's a detailed review of the Meet and Greet offers available across different FAB credit card categories:

   - This top-tier card offers an impressive benefit of up to eight complimentary Meet and Greet Services at Dubai International Airport.

   - The service adds a touch of luxury and convenience to the travel experience, ensuring a smooth transition through the airport.

   - Cardholders can avail up to six airport Meet and Greet Services at Dubai International Airport.

   - With options starting from AED 40 for an individual or AED 100 for a family, this offer provides flexibility and affordability for travelers seeking personalized assistance at the airport.

3. Etihad Guest Infinite Credit Card:

   - Elevating the airport experience, cardholders can enjoy six Meet & Greet services annually at Dubai International Airport.

   - With competitive pricing starting from AED 40 for individual bookings or AED 100 for family bookings, this service ensures a warm welcome and seamless journey through the airport.

4. Visa Infinite Travel Card:

   - Offering a global perspective, this card provides discounted Airport Meet & Greet Services in over 450 destinations worldwide.

   - With a generous 30% discount, cardholders can enjoy personalized assistance and expedited airport procedures, enhancing their travel experience significantly.

Overall, FAB Credit Cards' Meet and Greet offers add immense value for travelers, particularly those frequenting Dubai International Airport or traveling globally. Whether it's complimentary services, affordable options, or discounted rates, these offers cater to diverse needs and preferences, ensuring a hassle-free and enjoyable airport experience. With FAB, travelers can elevate their journey from the moment they arrive at the airport, making every trip a memorable one.

Review of other FAB Credit Card Offers

FAB (First Abu Dhabi Bank) offers a diverse range of credit cards tailored to different lifestyles and preferences. Here's a comprehensive review of some of their enticing offers across various card types:

   - Enjoy 25% off on designated Basic Health Checkup Items when you pay with Visa.

   - Up to 15% off at Farfetch and 10% discount with Budget.

   - Similar benefits to the Infinite card, including 25% off on designated Basic Health Checkup Items and discounts at Farfetch and Budget.

   - Standout perks such as a 24-hour concierge service, up to 30% off retail rates for yQ Airport meet & assist services globally, and 2-for-1 offers with the ENTERTAINER app.

   - Additional peace of mind with Event Ticket Cancellation.

4. du Titanium Credit Card:

   - Offers curated especially for Mastercard cardholders, covering dining, shopping, entertainment, sports, tickets, hotels, and attractions.

5. Etihad Guest Infinite Credit Card and Signature Credit Card:

   - Both cards offer a 24/7 Concierge Service to assist with various travel-related tasks, enhancing the travel experience for cardholders.

6. FAB SHARE Platinum, Signature, and Standard Credit Cards:

   - Unique feature to use SHARE points for purchases and experiences at prominent malls across the UAE.

7. Manchester City FC Titanium Card:

   - Provides numerous complimentary offers throughout the Middle East & Africa, spanning fine dining, premium spas, and various activities.

8. Rewards Elite Infinite, Infinite, Platinum, and Signature Credit Cards:

   - Offers additional benefits with Visa, including discounts on dining and experiences with the ENTERTAINER and Global Blue.

9. Visa Infinite Travel Card:

   - Unique perks such as no foreign transaction fees on purchases abroad, discounts on standard and international leisure rates, and extended warranty coverage.

Overall, FAB Credit Cards cater to a wide range of needs, from travel enthusiasts to avid shoppers. The array of discounts, offers, and additional services make these cards an attractive choice for individuals seeking value and convenience in their financial products. Each card is tailored to provide specific benefits, ensuring there's something suitable for every lifestyle.

The credit card offers information provided for First Abu Dhabi Bank (FAB) credit cards for informational purposes only. While we strive to ensure the accuracy and timeliness of the information presented, we cannot guarantee its completeness or suitability for your financial circumstances.

Please note that credit card terms and offers are subject to change without notice, and the availability of specific offers may vary based on factors such as creditworthiness, residency status, and other eligibility criteria determined by FAB.

We encourage all users to thoroughly review the terms and conditions, including fees, interest rates, rewards, and benefits associated with each credit card offer before making any financial decisions. It is essential to understand the potential risks and responsibilities involved in using credit cards and to manage credit card usage responsibly to avoid debt and financial difficulties.

By accessing and using the credit card offers information provided, you agree that you are solely responsible for evaluating its accuracy, relevance, and suitability for your circumstances, and you acknowledge and accept any risks associated with your use of credit cards.

What Is the Minimum Salary Required to Apply for First Abu Dhabi Bank in Dubai, UAE?

FAB Cards starts with AED 5K minimum income to AED 30K on premium Credit Cards in UAE . There are 6 Credit cards offered to customers earning AED 5000.

How Do I Get a FAB Credit Card?

One can apply for a First Abu Dhabi Bank credit card through

• Visiting one of the bank’s branches and submitting required documents
• Apply directly on the bank’s online application forms.
• Banks Kiosks at various locations

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

Why Choose Soulwallet.com for First Abu Dhabi Bank Credit Cards Over Others?

Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most suitable credit cards and personal finance options.  The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based Best fits credit card tool can show customers which cards can save maximum Dhirams based on their customized spend.

What types of First Abu Dhabi Bank Credit Cards Does Soulwallet Has to Offer?

Soulwallet listing consists of all Best credit cards in Dubai, UAE offered by FAB. FAB currently offers cashback, travel, and lifestyle cards. FAB Cashback credit card offers 5% cashback on supermarket, fuel, and utilities, this is a popular credit card in the cashback segment.

What are the benefits of having a First Abu Dhabi Bank Credit Card?

FAB Credit Cards are loaded with features such as complimentary Cinema ,  Airport Lounge access , Airport Transfers , Valet offers , complimentary golf rounds ,  travel insurance , purchase protection ,  extended warranty and many more. One can do detailed comparisons of these features on Soulwallet. FAB’s Etihad co brand cards are quite popular in the travel segment.

Can I Earn Loyalty Points with First Abu Dhabi Bank?

Yes, FAB has a unique offering where in customers can choose from First Rewards, First Miles, or First Cashback. Reward ranges from 1 to 1.75 on domestic spend. FAB Signature, Elite and Infinite credit cards offer Star reward points where one can earn up to 2 stars for 1 AED domestic spend.

Do All FAB Credit Cards have No Annual Fee?

While there are quite a few credit cards with no annual fee , there are also premium credit cards which has an AMF of AED 2500.

What are the exclusive cinema offers available with FAB Credit Cards? 

FAB Credit Cards offer discounted movie tickets and special privileges at select cinemas, with varying benefits depending on the card type.

How many movie tickets can I get per month with the Blue FAB Infinite Credit Card?

Cardholders can enjoy up to eight movie tickets per month, with prices starting from AED 15 on weekdays and AED 20 on weekends at specified cinemas

What is the minimum monthly spend required for the Blue FAB Platinum Credit Card's cinema offer?

The minimum monthly spend required for the Blue FAB Platinum Credit Card's cinema offer is AED 3,000, with cardholders eligible for up to four movie tickets per month.

What is the discount percentage for dining at cinemas with the Cashback Credit Card?

The Cashback Credit Card offers a 20% discount on food and drinks at cinemas, in addition to providing discounted movie tickets.

How many movie tickets can I get per month with the Etihad Guest Infinite Credit Card?

With the Etihad Guest Infinite Credit Card, cardholders can grab up to six movie tickets per month at discounted rates

Do the Etihad Guest Credit Cards offer any additional benefits for cinema tickets?

Yes, Etihad Guest Credit Cards provide various benefits such as discounted rates and buy-one-get-one-free offers for cinema tickets at select cinemas.

What is the offer for FAB SHARE Platinum Credit Cardholders at VOX Cinemas?

FAB SHARE Platinum Credit Cardholders can enjoy a 2-for-1 offer at VOX Cinemas, providing excellent value for movie enthusiasts.

How many movie tickets can I get per month with the GEMS Titanium Credit Card?

The GEMS Titanium Credit Card offers two movie tickets per month at discounted rates, making it an attractive option for cinema-goers.

Do Rewards Infinite Credit Cardholders get any exclusive cinema offers?

 Yes, Rewards Infinite Credit Cardholders can enjoy up to eight movie tickets per month at discounted rates, providing significant savings for movie lovers.

What are the advantages of the Visa Infinite Travel Card for cinema-goers?

The Visa Infinite Travel Card offers benefits such as discounted rates and complimentary tickets, making it an excellent choice for cinema enthusiasts looking for added perks.

What benefits does the Blue FAB Platinum Credit Card offer for hotel bookings?

The Blue FAB Platinum Credit Card offers savings of up to 12% on hotel bookings, providing cardholders with significant discounts on accommodation expenses.

Can I avail of discounted rates on hotel bookings with the Blue FAB Signature Credit Card?

 Yes, the Blue FAB Signature Credit Card offers discounts of up to 12% at over 985,000 hotels and vacation rentals worldwide, ensuring savings on accommodation expenses.

What is the cashback percentage for hotel bookings with the Cashback Credit Card?

The Cashback Credit Card offers up to 10% cashback on hotel bookings, providing cardholders with valuable rewards for their accommodation expenses.

Are there any travel insurance benefits provided with the Blue FAB Platinum Credit Card?

Yes, the Blue FAB Platinum Credit Card offers multi-trip travel insurance coverage for cardholders and their families, providing peace of mind during their travels.

How many complimentary airport transfers can I get per year with the Blue FAB Infinite Credit Card?

Cardholders can enjoy two complimentary airport transfers per year with the Blue FAB Infinite Credit Card, starting from a nominal fee.

What are the benefits of airport transfers for Etihad Guest Infinite Credit Cardholders?

Etihad Guest Infinite Credit Cardholders can benefit from discounted rates and additional perks for airport transfers, ensuring a seamless journey to and from the airport.

How can I avail of the airport transfer service with FAB Credit Cards?

Cardholders can avail of the airport transfer service by contacting the provided channels, such as [email protected] or calling 04 852 4856.

What are the benefits of the Visa Infinite Travel Card for airport transfers?

The Visa Infinite Travel Card offers benefits such as complimentary airport transfers within the UAE and internationally, providing cardholders with convenience and savings.

Are there any restrictions on the airport transfer offers with FAB Credit Cards?

There might be restrictions such as eligibility criteria or usage limits on the airport transfer offers with FAB Credit Cards, so it's essential to review the terms and conditions.

Can I use the airport transfer service for international trips?

Yes, many FAB Credit Cards offer airport transfer services for international trips, providing cardholders with convenience and peace of mind during their travels.

What types of protections are offered with the Blue FAB Platinum and Signature Credit Cards?

The Blue FAB Platinum and Signature Credit Cards offer protections such as multi-trip travel insurance coverage, buyer's protection, and extended warranty for added security and peace of mind.

Do the Etihad Guest Credit Cards provide any protection benefits?

Yes, the Etihad Guest Credit Cards offer protection benefits such as travel accident insurance, purchase protection, and extended warranty, ensuring cardholders are covered during their travels and purchases.

What is the education protection coverage provided with the GEMS Titanium Credit Card?

The GEMS Titanium Credit Card provides education protection coverage of up to AED 500,000 per child, offering financial security for educational expenses.

Are there any purchase protection benefits with Rewards Signature Credit Cards?

Yes, Rewards Signature Credit Cards offer purchase protection benefits, extending coverage beyond the manufacturer or retail warranty, providing added assurance for purchases.

What is the coverage provided for travel insurance with Rewards Infinite Credit Cards?

Rewards Infinite Credit Cards offer comprehensive travel insurance coverage of up to USD 1 million, ensuring cardholders are protected during their travels.

 How can I make use of the international medical and travel assistance with FAB Credit Cards?

Cardholders can make use of international medical and travel assistance by using their FAB Credit Cards to pay for travel outside the principal country of residence, ensuring assistance during emergencies or unforeseen situations.

Do Visa Infinite Travel Cardholders get any additional protection benefits?

Yes, Visa Infinite Travel Cardholders enjoy additional protection benefits such as extended warranty coverage and no foreign transaction fees on purchases abroad, providing added value and convenience.

Can I extend the warranty on purchases made with FAB Credit Cards?

Yes, FAB Credit Cards offer extended warranty coverage, providing cardholders with additional protection beyond the manufacturer or retail warranty period for eligible purchases.

What are the eligibility criteria for availing protection benefits with FAB Credit Cards?

The eligibility criteria for availing protection benefits with FAB Credit Cards may vary depending on the card type and specific offer, so it's essential to review the terms and conditions for each benefit.

Are there any additional charges associated with the protection offers?

While many protection offers may be complimentary or included as part of the card benefits, some services or coverage may have associated fees.

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I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Features of FAB Credit Card

• Provides high movie benefits on the fab cards
• Provides credit cards on annual fees AED 0 - AED 2.5K
• Provides high cashback benefits
• Can avail balance transfer facility
• Low fees and charges are levied
• Can avail free valet parking benefits
• Can avail dining discounts on selected restaurants
• Can get discounts on travel bookings
• Can earn reward points and air miles
• Can redeem fab points for travel, hotel bookings, etc.

Eligibility Criteria of FAB Credit Card

• A minimum salary of AED 5000 - AED 40,000 is needed
• Only UAE nationals and expats are eligible
• Applicant must be of minimum 21 yrs

Documents Required of FAB Credit Card

• Salary transfer letter (Salaried individuals)
• Salary Certificate
• Valid Emirates ID
• UAE Residence Visa(For Expats)
• 3-6 months bank statements
• Address Proofs(Utility bills)
• Passport (Expats)
• Trade licence(Self employed individuals)

First Abu Dhabi (FAB) Credit Card Interest rates

18 Credit Cards Provided By First Abu Dhabi (FAB)

Blue FAB Infinite Credit Card

Interest Rate

Minimum Salary

Balance Transfer

• You can earn 5% cashback in Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands.
• Start getting an additional 1% cashback via the Blue App when the Blue FAB Credit Card is registered and presented at the time of payment
• Accelerate your Al-Futtaim FAB Rewards earning with your Blue FAB Credit Card from Al-Futtaim.
• You can earn up to 1% cashback in Al-Futtaim FAB Rewards for every AED 1 spent elsewhere
• Start enjoying 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and brands
• Get a complimentary 0% Balance Transfer for up to 12 months when applied within 90 days of card issuance
• You can enjoy exclusive offers from Al-Futtaim brands
• You can get a first-year introductory offer on interest rates starting from 1.66% per month (with the second year at 3.75% per month)
• You can earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys ‘R’ Us, Toyota and more
• You can earn up to two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere
• Start enjoying up to eight movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas and Cine Royal (minimum monthly spend on the credit card to quality for the benefit is AED 6,000)
• Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
• Reaching the airport on time has never been easier! Blue FAB Infinite Credit Cardholders can enjoy 6 airport transfers per annum from AED 40 (intra-city service) or AED 100 (intercity service).
• You can enjoy complimentary access to over 1,000 airport lounges globally for you and a guest
• Get the benefit from a 24-hour concierge
• Get access to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
• Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda
• Enjoy access to prestigious properties with the Visa Luxury Hotel Collection
• Get up to 30% off retail rates for Airport meet & assist services at over 450 destinations globally
• Unlock 2-for-1 offers - Experience with the ENTERTAINER mobile app
• Indulge in tax-free shopping with VIP refund services at Global Blue Lounges located in the heart of the most exciting shopping districts
• Enjoy extra peace of mind with Event Ticket Cancellation when purchasing event tickets
• Benefit from an Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
• Get Buyers Protection for extra peace of mind when purchasing an eligible item
• Get multi-trip travel insurance coverage for you and your family
• Fraudulent Card Misuse offers protection against unauthorized transactions or the fraudulent use of your card by unrelated third parties

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Blue FAB Platinum Credit Card

• Get an additional 1% cashback via the Blue App when the
• Blue FAB Credit Card is registered and presented at the time of payment
• Start enjoying 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and stores
• Get a first-year introductory offer on interest rates starting from 2.08% per month (with the second year at 3.75% per month)
• Start earning ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys R Us, Toyota and many more*
• Earn up to two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere
• The minimum salary required is AED 8000.
• You can enjoy up to 4 movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema (minimum monthly spend on the credit card to quality for the benefit is AED 3,000)
• You can add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
• Blue FAB Platinum Credit Cardholders can enjoy 2 airport transfers per annum at AED 40 per trip.
• Get a Blue FAB Platinum Credit Card by Al-Futtaim instantly on the FAB Mobile app
• You can get an FAB account and credit cards instantly.
• Zero paperwork Open an account and get a credit card, with just your Emirates ID
• You can use your FAB Rewards to pay your bills anytime, anywhere Check your balance, send money and earn rewards in a few taps
• Enjoy B Lounge with 20% off on Food & Beverages, offer is valid until 31 May 2024
• Enjoy Interest free plan on Amazon.ae, offer is valid until 31 Dec 2023
• Enjoy Al Futtaim 0% Easy Payment Plan at Al Futtaim brands, offer valid till 31 Dec 2023
• You will get Balance transfer, Offers and winners, Quick Cash, Easy Payment Plan

Blue FAB Signature Credit Card

• Enjoy 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and stores
• Get 5% cashback in Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands.
• Get an additional 1% cashback via the Blue App when the Blue FAB Credit Card is registered and presented at the time of payment
• Enjoy exclusive offers from Al-Futtaim brands
• You can earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys ‘R’ Us, Toyota and many more
• Reaching the airport on time has never been easier! Blue FAB Platinum Credit Cardholders can enjoy 2 airport transfers per annum at AED 40 per trip.
• You can add your Blue FAB Credit Card to Apple Pay, Google Pay & Samsung Pay
• Get a Blue FAB Signature Credit Card by Al-Futtaim instantly on the FAB Mobile app
• FAB Mobile puts the power of the bank in your hands
• Start Enjoying up to four movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas and Cine Royal (minimum monthly spend on the credit card to quality for the benefit is AED 4,000)
• Get your FAB account and credit cards instantly.
• Zero paperwork Open an account and get a credit card, with just your Emirates ID Use your FAB Rewards to pay your bills anytime, anywhere Check your balance, send money and earn rewards in a few taps
• Accelerate your Al-Futtaim FAB Rewards earning with your Blue FAB Credit Card from Al-Futtaim
• B Lounge- Enjoy 20% OFF on Food and Beverages. Offer valid until 31 May 2024
• Al Futtaim- 0% Easy Payment Plan at Al Futtaim brands- Offer valid until 31 December 2023
• Amazon.ae- Enjoy Interest Free Plan on Amazon.ae- Offer valid until 31 December 2023
• Enjoy complimentary access to over 1,000 airport lounges globally
• You can enjoy 10% discount with Budget
• Pay with Visa to enjoy 25% off on designated Basic Health Checkup Item
• Access over 300 airport restaurant offers globally through the Visa Dine & Travel app
• Up to 15% off at Farfetch. Over 900 intriguing and prestigious properties from boutique gems to world famous hotels
• Up to 25% off on dining, spa & stay at Jumeirah Hotels & Resorts. Save up to 12% discount over 985,000+ hotels & vacation rentals worldwide

GEMS Titanium Mastercard Credit Card

• Provides discounts on paying school fees using GEMS Mastercard
• Get lifestyle, travel, dining benefits in UAE
• Can avail only if the kids are studying at GEMS school
• The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged. The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged.
• Minimum salary of AED 5000 is required
• Save up to 4.25% off on GEMS school fees paid using GEMS MasterCard Credit Card
• Can pay GEMS school fees on 0% EPP
• Visit any Fitness First club in UAE and pay only AED 30 on each visit(4 visits per month)
• Can get movies tickets for AED 20(Weekends) and AED 15(Weekdays) at Cine Royal, Oscar Cinemas, and Reel Cinemas
• Get complimentary airport lounge access
• Get free Meet and Greet services at the airports
• Get Airport transfer facilities for free on your next travel
• Exclusive discounts at most popular venues in UAE like Ski Dubai, Magic Planet, Dreamland AquaPark etc.,
• Provides education protection cover for the child
• Free travel accident insurance cover
• Get FAB stars on every usage of the card
• Earn 2.5 FAB Stars on every dirham spent on local or international purchases
• Get a 25% discount on a Filo subscription. T&Cs Apply.

Visa Platinum Credit Card

• Get 1.75 Stars on 1 AED
• Discounts on movie tickets
• Complimentary offers at fitness clubs
• Discounts on movies at Reel Cinemas, VOX Cinemas etc.
• Provides pickup and drop facility at the airport
• Can get free access to airport lounges in the Middle East region
• Minimum salary of AED 8000 is required
• Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
• Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
• Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
• Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
• Can get 2 free airport transfer services per annum
• Get reward stars on every dirham spent
• Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
• Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
• Starting from September 2022 annual fee will be applicable to all Platinum credit cardholders.
• The annual fee is waived with a minimum annual spend of AED 18000.
• With salary transfer, AED 200 annual fee is charged.
• Without salary transfer, AED 300 annual fee is charged.

World Elite Credit Card

• Free Amazon Prime Membership
• Free Valet parking
• Movie tickets at AED 15
• An exclusive card provided to Private banking customers
• Provides high travel benefits like airport lounge access, travel insurance, airport transfers, meet and greet services, etc.
• Discounts on movie tickets at Reel cinemas, oscar cinemas and Cine Royal
• Discounted careem rides
• Exclusive Amazon Prime membership benefits
• Mastercard Buy 1 - Get 1 free benefits
• Minimum salary of AED 50,000 is required
• Amazon Prime Membership: - One year free Amazon Prime Membership is provided on FAB World Elite Credit Card - Free shipping on the next day delivery - Same day delivery is provided on discounted rates - Free shipping is provided on Amazon US - Free access to Prime Video, Amazon original videos, and much more - Exclusive deals for Prime members
• Monthly 4 free valet parking facility is provided at selected locations
• Get 8 movie tickets at Reel cinemas, Oscar Cinemas and Cine Royal for AED 15 on weekdays and AED 20 during weekends. At Vox Cinemas avail tickets at AED 20 on weekends.
• 24*7 concierge service can be availed
• Get Careem Chauffeur service for free
• Get MyUS shipping for free
• 10% cashback on shopsmart.ae
• 8 free airport transfer facilities per annum
• 8 free Meet and Greet services are provided
• Free access to 850+ airport lounges worldwide
• Get complimentary night stays at Marriott Bonvoy Hotel
• 10% off on bookings made at Luxury service apartments
• Get Hertz Gold Plus Rewards membership for free
• 10% discount on bookings made on Cleartrip
• Exclusive offers on Avis
• Get travel accident insurance, travel inconvenience insurance
• Get rental collision and damage waiver of up to USD 50,000

Elite Infinite Credit Card

• Earn 5 FAB rewards per AED 1
• FAB rewards can be redeemed for Cashback
• A rewards credit card that provides rewards on every expense made
• Can get lifestyle benefits like golf privileges and valet parking facility
• Movie tickets on discounted rates
• Free travel benefits like airport transfer, airport lounge access, meet and greet service
• A minimum salary of AED 50,000 is needed
• FAB Rewards: - 5 FAB rewards are provided on every AED 1 spent - FAB rewards can be redeemed for cashback, shopping, utility bill payments, dining benefits, etc.
• 4 free valet parking facility is provided per month
• Get 8 movie tickets at Reel cinemas, Oscar Cinemas and Cine Royal for AED 15 on weekdays and AED 20 during weekends. At Vox Cinemas avail tickets at AED 20 on weekends. A monthly spend of minimum AED 3000 is required to avail this.
• Get discounts at Golf courses
• 24*7 concierge service is provided
• 10% cashback can be availed on purchases made at shopsmart.ae
• Exclusive Visa offers
• Free access to 1000+ airport lounges worldwide
• 4 free airport transfer facility with Careem
• Purchase protection and extended warranty, credit shield, travel accident insurance, international travel and medical insurances are provided
• Starting from September 2022 annual fee will be applicable to all Elite Infinite cardholders.
• The annual fee is waived with a minimum annual spend of AED 36,000.
• With salary transfer, AED 600 annual fee is charged.
• Without salary transfer, AED 800 annual fee is charged.

Visa Signature Credit Card

• Provides high travel benefits
• Can avail lifestyle, entertainment and leisure benefits
• Can get reward stars on every dirham spent
• A minimum monthly salary of AED 15000 is required
• Apply for a Signature Credit card, Get a cashback of up to 900 AED. T&Cs Apply. This offer is valid up to 31 March 2023.
• Get access to fitness first clubs for AED 30 per visit
• Buy movie tickets at Royal, Reel and Oscar cinemas for just AED 15
• Get exclusive discounts at golf clubs
• Avail 24/7 concierge services
• Get free airport transfer facility
• Get free airport meet and drop services
• Get access to 900+ airport lounges worldwide
• Earn 1.75 reward stars on every 1 dirham spent on international purchases
• Earn 1 reward star on every 1 dirham spent on domestic purchases
• Provides complimentary travel accident insurance
• Starting from September 2022 annual fee will be applicable to all Signature credit cardholders.
• The annual fee is waived with a minimum annual spend of AED 24,000.
• With salary transfer, AED 300 annual fee is charged.
• Without salary transfer, AED 400 annual fee is charged.
• Get 20% off on 3 airport transfers with Careem. Use promo code VISASIGNATUREUAE and pay with Visa Signature when you book your airport transfer with Careem.

Cashback Credit Card

• 5% cashback on supermarket, utilities, fuel
• AED 300 cashback as welcome bonus
• High cashback on expenses made at supermarket, utility bills, fuel
• Bonus cashback is provided as welcome rewards
• Get a discount on movie tickets at Cine Royal, Reel cinemas, and Oscar Cinemas
• Discounts on Careem rides
• Avail Buy 1 - Get 1 free offer through Mastercard
• Get credit shield plus and wallet shield on the card
• High travel benefits like airport lounge access, discounts at Avis, luxury service apartments at discounted price
• 3.50% is charged as interest on retail purchases
• A minimum salary of AED 5000 is needed
• 5% cashback on spendings made at supermarket both offline and online
• 5% cashback on fuel expenses
• 5% cashback on utility bills
• AED 300 cashback is provided as a welcome bonus on making a transaction in the first 30 days after receiving the card. The cashback is provided in the form of 75,000 FAB rewards
• On non-AED transactions, 2% cashback is provided
• 10% cashback is provided on shopping at shopsmart.ae
• Get movie tickets at Reel cinemas, Oscar Cinemas and Cine Royal for AED 15 on weekdays and AED 20 during weekends. A monthly spend of minimum AED 3000 is required to avail this.
• Get 20% discount on food and beverages at movies
• 20% off on careem ride bookings
• Buy 1 - Get 1 free offer at a wide range of stores through Mastercard app
• Free access to 10 airport lounges at UAE, Jordan, Egypt, Kuwait and KSA
• Exclusive discounts on bookings made at Avis
• 15% off at selected luxury service apartments

Visa Infinite Credit Card

• Can get a wide range of travel and lifestyle benefits
• High discounts at Fitness clubs, cinemas and much more
• Earn up to five FAB rewards on every AED 1 spent.
• A minimum salary of AED 30000 is required
• Apply for an Infinite credit card, Get a cashback of up to AED 1200. T&Cs Apply. This offer is valid up to 31 March 2023.
• Get concierge service any time that helps you with dining and travel bookings
• Can visit any Fitness Fitness clubs for AED 30 (per visit)
• Watch movies at AED 20(Weekends) and AED 15(Weekdays) at Reel Cinemas, Cine Royal and Oscar Cinemas. 4 tickets per month
• Avail airport transfer services for free
• Can access more than 1000+ airport lounges globally using your Visa Infinite Card
• Can earn stars every time you use the card
• Earn 2 stars on 1 dirham spent using the card
• Starting from September 2022 annual fee will be applicable to all Infinite cardholders.
• The annual fee is waived with a minimum annual spend of AED 30,000.
• With salary transfer, AED 400 annual fee is charged.
• Without salary transfer, AED 600 annual fee is charged.

du Titanium Credit Card

• Avail smart services and convenient banking service
• Automatic and convenient utility bill payment
• The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged. <br> The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged.
• The minimum salary required to avail this card is AED 5000
• You can access airport lounges across the middle east. Countries include Jordan, Egypt, Kuwait, Saudi Arabia, and UAE
• Enjoy earning bonus accelerated first reward points on du transactions by opting for first rewards loyalty program
• With 'First Rewards' you get redemptions at over 1,500 locations
• Can avail 10% discount on Du bill payments
• Can avail buy 1 get 1 free offer on movie tickets

Manchester City Titanium Credit Card

• Access Airport Lounges Across the Middle East
• Can avail shopping discounts at selected outlets
• Can win a trip to Etihad stadium
• There is a requirement of a minimum salary of AED 5000 to avail this card and its benefits.
• Earn 1 reward point per AED spent on local purchases and 2 reward points per AED spent on international expenses. The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged.
• The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged.
• Get a discount on car rentals up to 15% across Asia, Europe, Africa & the Middle East & 12% across US & Canada
• Get up to discount at City Football Schools UAE up to 20% off on Full Season Programme & 10% off on one term programme.
• Get up to 20% off on Uber rides.

Etihad Guest Platinum Credit Card

• Can earn Etihad guest miles on every purchase made
• Can get benefits on travel, movies, fitness clubs, golf clubs, etc.
• The interest of cash advance will be charged at 3.5% per month until 14 May 2023 & from 15th May 2023 onwards 3.99% per month will be charged.<br> The interest on Retail purchases will be charged at 3.50% per month until 14 May 2023 & from 15th May 2023 onwards 3.85% per month will be charged.
• The interest of cash advance will be charged at 3.5% per month until 14 May 2023 & from 15th May 2023 onwards 3.99% per month will be charged. The interest on Retail purchases will be charged at 3.50% per month until 14 May 2023 & from 15th May 2023 onwards 3.85% per month will be charged.
• A minimum salary of AED 8000 is required
• Can earn 10,000 Etihad guest miles as a signup offer
• Can earn 2 miles on every AED 10 spent anywhere in the UAE
• Can earn 3.5 miles on every AED 10 spent on international purchases
• Can earn 4 miles on every AED 10 spent at Etihad airways and partners
• Can avail airport transfer facility for free
• Can get complimentary airport meet & greet services
• Can get access to fitness first clubs on paying AED 30
• Get movie tickets for AED 15 at Oscar Cinemas, Reel Cinemas, Cine Royal
• Avail Buy 1 Get 1 free offer on Vox cinemas
• Get discounts at golf clubs
• Can get purchase protection
• Get a 25% Discount Voucher for Etihad Guest Miles. T&Cs apply

Share Platinum Credit Card

• You can accelerate your value back in SHARE points with no limits on your SHARE earnings
• Start earning up to 7% value back in SHARE points at Carrefour for each AED 1 spent
• Enjoy earning up to 6.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
• You can earn up to 4.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
• Start earning up to 2.25% value back in SHARE points on international spending, other retail spending, and online shopping
• Enjoy by getting 2 for 1 cinema tickets at VOX Cinemas
• First-of-its-kind biometric verification is built into your credit card for even safer transactions
• Get a chance to win back your monthly spend at Mall of the Emirates and all City Centres in the UAE (up to AED 1,000 for one winner)
• Just apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
• You can earn SHARE points on all your spending across the UAE and worldwide, including mall shopping, groceries, movies, purchases from exclusive partners, and more
• You can use your SHARE points to pay for purchases and experiences at 3,500 stores in Mall of the Emirates and City Centres across the UAE
• Start accessing SHARE discounts, exclusive contests and member benefits on the SHARE app
• FAB SHARE Credit Cardholders can enjoy two VOX Cinemas tickets for the price of one ticket
• You can use SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
• Opt for Credit Shield benefits so that your outstanding balance will be paid off if something happens and you can’t meet your credit card payments
• Receive SMS alerts on all your credit card transactions
• Enjoy Purchase Protection covering theft, accidental damage, or non-delivery of purchases for up to 12 months from the purchase date from Visa
• Enjoy an Extended Warranty of 12 months beyond the manufacturer or retail warranty from Visa
• Get discounts on airport transfers with Careem and Visa
• Simply get 2-for-1 offers with the Entertainer App and Visa
• You can receive up to four free supplementary cards for your family
• Get great rates and convenient repayment plans on balance transfers
• Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app
• Manage your card, payments and much more quickly and easily through the FAB Mobile app
• Enjoy 20% OFF on Food and Beverages- Offer valid until 31 May 2024- Locations: Sheraton Abu Dhabi
• Just add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay and enjoy the services

Etihad Guest Signature Credit Card

• Can earn Etihad guest miles on every usage of the card
• Can avail travel, entertainment and golf benefits
• A minimum salary of AED 15,000 is required
• Earn 35,000 Etihad Guest miles as a welcome bonus on the primary card
• High discounts on travel and hotel bookings
• Earn 4.5 Etihad miles per 10 AED spent on foreign transactions
• Earn 2.75 Etihad miles per 10 AED spent on local transactions
• Earn 5.5 Etihad miles per 10 AED spent on Etihad bookings
• Get 2 free airport transfer services
• Get complimentary airport meet and greet services
• Get access to airport lounges anywhere in the world
• Get 4 movie tickets for AED 15 at Reel Cinemas(Dubai), Cine Royal(Abu Dhabi) and Oscar Cinemas(Dubai & Al Ain)
• Get discounts at selected golf clubs
• Can get accident travel insurance and purchase protection
• Get a 50% Discount Voucher for Etihad Guest Miles. T&Cs apply
• Get 2 Complimentary Inflight Wi-Fi vouchers. T&Cs apply.
• Limited Offer Get up to 100,000 Etihad Guest Miles with a FAB Etihad Guest Signature Credit Card using the FAB Mobile app. Conditions apply.

Infinite Travel Credit Card

• High travel benefits and offers are provided
• Get access to airport lounges for free
• Earn travel miles on the expenses made using the card
• Offers on travel bookings & travel vouchers are provided
• The retail interest rate of upto 3.75% is charged monthly
• A minimum salary of AED 30,000 is required
• Annual fees of AED 1500
• Get AED 1500 travel voucher on card activation
• With no foreign transaction fees levied can use the card outside UAE
• Per every three nights get one complimentary night for free on bookings made on the FAB travel portal
• Free unlimited access to 1000+ airport lounges globally for cardholders and one guest
• Can exchange FAB miles with partnered airlines and hotels
• Get upto 10% off on British Airways
• Exclusive benefits on Jumeriah One membership
• Can use the card on Uber internationally and get USD 25 credit per ride for the first 4 rides
• Get 8 free airport transfers per year in the UAE
• Get 20% off on three careem rides
• Earn 1.5 FAB miles per USD spent on retail purchases and 2 FAB miles per USD spent on travel purchases
• Get Visa cards benefits on dining, entertainment, golf, airport meet & greet discounts, car rental
• Free travel accident insurance, international travel and medical assistance

SHARE Signature Credit Card

• You can earn up to 6.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
• You can earn up to 2.75% value back in SHARE points on international spending, other retail spending, and online shopping
• Start Getting 2 for 1 cinema tickets at VOX Cinemas Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
• Earn up to 8.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
• You can get a chance to win back your monthly spend at Mall of the Emirates and all City Centres in the UAE (up to AED 1,000 for one winner)
• Earn more SHARE points faster on all your spending with no limits on your SHARE earnings with the FAB SHARE Signature Credit Card
• Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
• With Fraudulent Transaction Protection, benefit from automatic protection from unauthorised transactions or the fraudulent use of your card for up to USD 4,000 per year from Visa
• Receive up to four free supplementary cards for your family
• Access SHARE discounts, exclusive contests and member benefits on the SHARE app
• Earn SHARE points on all your spending across the UAE and worldwide, including mall shopping, groceries, movies, purchases from exclusive partners, and more
• You can SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
• Get free access to more than 1,000 airport lounges worldwide through LoungeKey from Visa
• Get 2-for-1 offers with the Entertainer App from Visa
• Get 20% off three Careem rides monthly, 30% off three Careem Food & Shop orders every month, and 10% credit back on Careem BIKE rentals from Visa
• Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
• Enjoy 20% OFF on Food and Beverages; Offer valid until 31 May 2024
• Accelerate your SHARE points earning across all your spending and get great benefits including free access to thousands of airport lounges.
• Get free international medical and travel insurance from Visa
• Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty from Visa

Etihad Guest Infinite Credit Card

• Get 5,000 Etihad Guest Miles as guaranteed one-time bonus on spending a minimum AED 5,000 on your FAB Etihad Guest Infinite Credit Card (Offer valid till 21 September 2021)
• Get 55,000 Etihad miles as a welcome bonus
• Earn Etihad miles on every expense made anywhere in the world
• Earn 6 Etihad miles per 10 AED spent on foreign transactions
• Earn 3.5 Etihad miles per 10 AED spent on local transactions
• Earn 7 Etihad miles per 10 AED spent on Etihad bookings
• Can earn 2.5 Etihad miles per 10 AED on balance transfer
• 75% Etihad Guest Miles discount voucher every year when you spend AED 200,000 or more on your card
• Avail Meet and greet services as complimentary
• Get 8 free airport transfer facility
• Get free access to airport lounges worldwide via Lounge Key
• Get movie tickets for AED 10 at Reel Cinemas, Cine Royal and Oscar Cinemas
• Limited Offer Get up to 200,000 Etihad Guest Miles with a FAB Etihad Guest Infinite Credit Card using the FAB Mobile app. Conditions apply.

FAB Credit Card Benefits

• FAB Cashback Credit Card offers - Earn  5% cashback at Supermarket both online and offline shopping - Earn 5% cashback on fuel - 5% cashback on utility payments made using the cashback card - FAB cashback card provides AED 300 welcome bonus. This is provided as FAB rewards of 75,000 and FAB rewards can be redeemed for cashback, shopping, dining discounts, etc.
• Can get access to FAB Rewards i.e. First Rewards and First Cashback
• Avail complimentary Meet and greet services
• Get up to 8 free airport transfer facilities
• Get complimentary access to airport lounges in the world
• Get movie tickets at AED 10 at Oscar Cinemas, Cine Royal and Reel Cinemas
• Can get exclusive discounts art golf clubs in the UAE region
• Free valet parking service
• Can avail shop now and pay later facility
• Can get discounts on du bills

Frequently Asked Questions

⭐ What is the minimum amount to spend to avail movie benefits?

A. To avail the movie offers and benefits you need to spend at least AED 2000 using your FAB Credit Card.

⭐ Can I get movie benefits anywhere in UAE?

A. Movie benefits can be availed only at the selected cinemas.

⭐ On what I can redeem my loyalty points earned?

A. You can redeem your loyalty points for shopping, travel, dining benefits and much more.

⭐ On what can I redeem my FAB first rewards earned?

A. You can redeem your First Rewards for electronics, jewelry, accessories, McDonald's, CineRoyal cinemas and many other places.

⭐ How do I redeem my FAB first rewards earned?

A. You can contact the FAB customer care service 600 525500 and request for the redemption.

⭐ On what can I redeem my first miles earned?

A. You can redeem your first miles to travel tickets, car rentals, hotel stays and much more.

⭐ What is the minimum amount to be spent to avail cashback?

A. There are no minimum amount criteria to avail cashback.

⭐ When does the cashback expire?

A. There is no expiration for the cashback earned using your FAB Cards.

⭐ Can I use my First Abu Dhabi Bank Credit Card outside UAE?

A. Yes, you can use your First Abu Dhabi Bank Credit Card on international transactions also.

⭐ Do I get cashback on international transactions?

A. Yes, you can avail cashback on using your FAB Credit Card anywhere in the world.

⭐ Can I get loyalty points even on my supplementary cards?

A. Yes, you can earn loyalty points on the supplementary cards too.

⭐ What are the charges for credit shield cover?

A. The charges on the credit shield are 1.04%(per month) of the outstanding balance.

⭐ What are the credit cards available Zero annual fees?

A. FAB Gold Credit Card, Al Futtaim World Elite Mastercard Credit Card, Visa Infinite Credit Card, Standard Credit Card, GEMS Titanium Mastercard Credit Card, Visa Signature Credit Card, Al Futtaim Platinum Mastercard Credit Card, Visa Platinum Credit Cards are provided for Zero annual fees.

⭐ For how long are FAB credit cards provided for no annual fees?

A. FAB Credit Cards are provided for no annual fees lifelong.

⭐ When does the interest rate gets added?

A. The interest rate will be added only if the monthly payments of the credit card are delayed.

⭐ What are the charges for using the card outside UAE?

A. 2.05% of the transaction amount and scheme charges will be added on using the credit card anywhere outside UAE.

⭐ How can I get my FAB card?

A. You will get your FAB credit card either by courier or you can directly collect it by visiting.

⭐ Can I discount of any school fees payments?

A. No, you can avail discounts only at GEMS School and Aldar Schools, with their respective credit cards.

⭐ What are the offers provided on FAB credit card?

A. FAB provides several dining, shopping, etc. discounts. Check here the list of FAB credit card offers

⭐ What is the minimum salary required?

A. The minimum salary required for a FAB credit card is AED 5000.

⭐ What is the annual fees charged?

A. The annual fees charged on a FAB credit card is from AED 500 and there are some zero annual fees cards available as well.

⭐ What is the interest rate charged?

A. The interest rates on a FAB credit card starts from 3.25%.

First Abu Dhabi Bank (FAB) is one of the largest banking institutions established in 2017 and is a merger of NBAD and FGB. FAB offers tailor made solutions, products and services to the customers.The international network of FAB is spread over 5 continents providing global relationships, expertise and financial strength to local and international business. FAB offers its diversifying services by having differentiation, agility and innovation as their main motto and vision

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16 Best Travel Credit Cards of June 2024

ALSO CONSIDER: Best credit cards of 2024 || Best rewards credit cards || Best airline credit cards || Best hotel credit cards

The best travel credit card is one that brings your next trip a little closer every time you use it. Purchases earn points or miles you can use to pay for travel. If you're loyal to a specific airline or hotel chain, consider one of that company's branded travel credit cards. Otherwise, check out our picks for general-purpose travel cards that give you flexible travel rewards without the restrictions and blackout dates of branded cards.

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best Travel Credit Cards of June 2024

Chase Sapphire Preferred® Card : Best for Max flexibility + big bonus

Capital One Venture Rewards Credit Card : Best for Flat-rate rewards

Capital One Venture X Rewards Credit Card : Best for Travel portal benefits

Chase Freedom Unlimited® : Best for Cash back for travel bookings

American Express® Gold Card : Best for Big rewards on everyday spending

Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee

The Platinum Card® from American Express : Best for Luxury travel perks

Ink Business Preferred® Credit Card : Best for Business travelers

Citi Strata Premier℠ Card : Best for Triple points on multiple categories

Bank of America® Travel Rewards credit card : Best for Flat-rate rewards + no annual fee

Chase Sapphire Reserve® : Best for Bonus rewards + high-end perks

World of Hyatt Credit Card : Best for Best hotel card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments

United℠ Explorer Card : Best for Best airline card

PenFed Pathfinder® Rewards Visa Signature® Card : Best for Credit union benefits

Wells Fargo Autograph Journey℠ Card : Best for Booking directly with airlines/hotels

Best Travel Credit Cards

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Max flexibility + big bonus

Flat-rate rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers, triple points on multiple categories, flat-rate rewards + no annual fee, bonus rewards + high-end perks, best hotel card, travel rewards for rent payments, best airline card, credit union benefits, booking directly with airlines/hotels, full list of editorial picks: best travel credit cards.

Before applying, confirm details on the issuer’s website.

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.

Bank of America® Travel Rewards credit card

Our pick for: Flat-rate rewards + no annual fee

One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus rewards + high-end perks

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Chase Sapphire Preferred® Card

Our pick for: Max flexibility + big bonus

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Wells Fargo Autograph Journey℠ Card

Our pick for: Booking directly with airlines/hotels

The Wells Fargo Autograph Journey℠ Card stands out among general-purpose travel cards because it pays its highest rewards rates on travel bookings made directly with airlines and hotels, rather than requiring you to go through the issuer's travel agency, where prices might not be competitive. The points are flexible, you get a good bonus offer, and the card comes with a few other nice perks. Read our review.

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Citi Strata Premier℠ Card

Our pick for: Triple points on everyday categories

The Citi Strata Premier℠ Card earns bonus points on select travel, supermarkets, dining, gas stations and EV stations. There's a solid sign-up bonus as well. Read our review.

U.S. Bank Altitude® Connect Visa Signature® Card

Our pick for: Road trips

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee:  $0 intro for the first year, then $95 .  Read our review .

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee ( see rates and fees ). Read our review.

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Big rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Bilt World Elite Mastercard® Credit Card

Our pick for: Travel rewards on rent payments

The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. Read our review.

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card . It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

United℠ Explorer Card

Our pick for: B est airline card

The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.

» Not a United frequent flyer? See our best airline cards for other options

World of Hyatt Credit Card

Our pick for: Best hotel card

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

» Not a Hyatt customer? See our best hotel cards for other options.

Ink Business Preferred® Credit Card

Our pick for: Business travelers

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 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℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

Are you in Canada?

See NerdWallet's best travel cards for Canada.

OTHER RESOURCES

How travel rewards work.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip. According to a NerdWallet study , 68% of American adults say they have a credit card that earns travel rewards.

With a travel rewards credit card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Some top travel credit cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while the Marriott Bonvoy Boundless® Credit Card grants bonus points when you use the card at Marriott hotels, grocery stores, restaurants or gas stations.

Not all points and miles earned on travel rewards credit cards are the same:

General-purpose travel credit cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. With their flexible rewards, general-purpose options are usually the best travel credit cards for those who don't stick to a single airline or hotel chain.

Airline- and hotel-specific cards — such as the United℠ Explorer Card and the Hilton Honors American Express Card — give points and miles that can be used only with the brand on the card. (Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.) These so-called co-branded cards are usually the best travel credit cards for those who always fly one particular airline or stay with one hotel group.

How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.5 cents per point, and you can spend them like cash. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:

Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions. See our valuations page for business class valuations and details about our methodology.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value out of your miles, that’s even better.

HOW TO CHOOSE A TRAVEL CREDIT CARD

There are scores of travel rewards cards to choose from. The best travel credit card for you has as much to do with you as with the card. How often you travel, how much flexibility you want, how much you value airline or hotel perks — these are all things to take into account when deciding on a travel card. Our article on how to choose a travel credit card recommends that you prioritize:

Rewards you will actually use (points and miles are only as good as your ability to redeem them for travel).

A high earning rate (how much value you get in rewards for every dollar spent on the card).

A sign-up bonus (a windfall of points for meeting a spending requirement in your first few months).

Even with these goals in mind, there are all kinds of considerations that will influence your decision on a travel rewards credit card.

Travel cards are for travelers

Travel cards vs. cash-back cards.

The very first question to ask yourself when choosing a travel credit card is: Should I get a travel card at all? Travel credit cards are best for frequent travelers, who are more likely to get enough value from rewards and perks to make up for the annual fees that the best travel credit cards charge. (Some travel cards charge no annual fee, but they tend to offer lesser rewards than full-fee cards.) A NerdWallet study found that those who travel only occasionally — say, once a year — will probably get greater overall rewards from cash-back credit cards , most of which charge no annual fee, than from a travel card.

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

Travel credit cards fall into two basic categories: co-branded cards and general travel cards.

Co-branded cards carry the name of an airline or hotel group, such as the United℠ Explorer Card or the Marriott Bonvoy Boundless® Credit Card . The rewards you earn are redeemable only with that particular brand, which can limit your flexibility, sometimes sharply. For example, if your credit card's co-branded airline partner doesn't have any award seats available on the flight you want on the day you want, you're out of luck. On the other hand, co-branded cards commonly offer airline- or hotel-specific perks that general travel cards can't match.

General travel cards aren't tied to a specific airline or hotel, so they offer much greater flexibility. Well-known general travel cards include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card . Rewards on general travel cards come as points (sometimes called "miles" but they're really points) that you can redeem for any travel expense. You're not locked into using a single airline or hotel, but you also won't enjoy the perks of a co-branded card.

Evaluating general travel credit cards

What you get with a general travel card.

The credit cards featured at the top of this page are general travel cards. They're issued by a bank (such as Chase or Capital One), carry only that bank's name, and aren't tied to any single airline or hotel group. With these cards, you earn points on every purchase — usually 1 to 2 points per dollar spent, sometimes with additional points in certain categories.

Issuers of general travel cards typically entice new applicants with big sign-up bonuses (also known as "welcome offers") — tens of thousands of miles that you can earn by spending a certain amount of money on the card in your first few months.

» MORE: NerdWallet's best credit card sign-up offers

What do you do with those points? Depending on the card, you may have several ways to redeem them:

Booking travel. With this option, your points pay for travel booked through the issuer's website, using a utility similar to Orbitz or Expedia. For example, if points were worth 1 cent apiece when redeemed this way, you could book a $400 flight on the issuer's portal and pay for it with 40,000 points

Statement credit. This lets you essentially erase travel purchases by using your points for credit on your statement. You make travel arrangements however you want (directly with an airline or hotel, through a travel agency, etc.) and charge it to your card. Once the charge shows up on your account, you apply the necessary points and eliminate the cost.

Transferring to partners. The card issuer may allow you to transfer your points to loyalty programs for airlines or hotel chains, turning your general card into something like a co-branded card (although you don't get the perks of a co-brand).

Cash back, gift cards or merchandise. If you don't plan to travel, you can burn off your rewards with these options, although you'll often get a lower value per point.

Airline and hotel cards sharply limit your choice, but they make up for it with perks that only they can offer, like free checked bags or room upgrades. General travel cards, on the other hand, offer maximum flexibility but can't provide the same kinds of perks, because the banks that issue them don't operate the airlines or hotels. Still, there are some noteworthy perks on general travel cards, including:

Travel credit. This is automatic reimbursement for travel-related spending. Some top travel credit cards offer hundreds of dollars a year in travel credit.

Trusted traveler reimbursement. More and more travel credit cards are covering the application fee for TSA Precheck and Global Entry, programs that allow you to move through airport security and customs more quickly.

Airport lounge access. Hundreds of lounges worldwide operate separately from airlines under such networks as Priority Pass and Airspace, and several general travel cards offer access to these lounges.

Points programs

Every major card issuer has at least one travel card with a points program. American Express calls its program Membership Rewards, while Chase has Ultimate Rewards® and Citi pays in ThankYou points. Wells Fargo has Wells Fargo Rewards, and U.S. Bank has FlexPerks. Bank of America® travel cards offer points without a fancy name. Travel cards from Capital One, Barclays and Discover all call their points "miles."

These programs differ in how much their points are worth and how you can use them. Some offer the full range of redemption options, including transfers to loyalty programs. Others let you use them only to book travel or get statement credit.

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

Airline credit cards earn "miles" with each purchase. You typically get 1 mile per dollar spent, with a higher rate (2 or more miles per dollar) on purchases with the airline itself. (Some airline cards have also begun offering extra miles for purchases in additional categories, such as restaurants or car rental agencies.) These miles go into the same frequent-flyer account as the ones you earn by flying the airline, and you can redeem them for free flights with the airline or its alliance partners.

Co-branded airline cards typically offer sign-up bonuses (or welcome offers). But what really sets them apart are the perks they give you. With some cards, for example, the checked-bag benefit alone can make up for the annual fee after a single roundtrip by a couple. Common perks of airline cards include:

Free checked bags. This commonly applies to the first checked bag for you and at least one companion on your reservation. Some cards extend this perk to more people, and higher-end cards (with higher annual fees) may even let you check two bags apiece for free.

Priority boarding. Holders of co-branded airline credit cards often get to board the plane early — after the airline's elite-status frequent flyers but before the general population. This gives you time to settle in and gives you a leg up on claiming that coveted overhead bin space.

In-flight discounts or freebies. You might get, say, 25% off the cost of food and beverages during the flight, or free Wi-Fi.

Airport lounge access. High-end cards often include a membership to the airline's airport lounges, where you can get away from the frenzy in the terminal and enjoy a complimentary snack. Some less-expensive airline cards give you only limited or discounted lounge access; others give you none at all.

Companion fares. This perk lets you bring someone with you for a lower cost when you buy a ticket at full price.

A boost toward elite status. Miles earned with a credit card, as opposed to those earned from actually flying on the airline, usually do not count toward earning elite status in an airline's frequent-flyer program. However, carrying an airline's high-end card might automatically qualify you for a higher tier within the program.

The biggest U.S. airlines — American, United and Delta — offer an array of credit cards. Each airline has a no-annual-fee card that earns miles on purchases but provides little in the way of perks (no free bags or priority boarding). Each has a high-end card with an annual fee in the neighborhood of $450 that offers lounge access and sumptuous perks. And each has a "middle-class" card with a fee of around $100 and solid ongoing perks. Southwest offers three credit cards with varying fees; smaller carriers may just have a single card.

» MORE: NerdWallet's best airline credit cards

Choosing an airline

Which airline card you get depends in large part on what airline you fly, and that's heavily influenced by where you live. Alaska Airlines, for example, has an outstanding credit card, but the airline's routes are concentrated primarily on the West Coast. So it's not a great option for those who live in, say, Buffalo, New York, or Montgomery, Alabama.

If your local airport is dominated by a single airline, then you're probably flying that carrier most (or all) of the time by default. Delta, for example, is the 800-pound gorilla at Minneapolis-St. Paul and Salt Lake City. United has the bulk of the traffic at Newark and Washington Dulles. American calls the shots at Charlotte and Dallas-Fort Worth. That airline's credit card may be your only realistic option. If you're in a large or midsize market with frequent service from multiple airlines, you have more choice.

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

Hotel credit cards earn points with each purchase. As with airline cards, you typically get more points per dollar for purchases from the co-brand partner, and some cards also give bonus points in additional categories. (Hotel cards tend to give you a greater number of points overall than airline cards, but each individual point is generally worth less than a typical airline mile.) Similar to the airline model, the points you earn with the card go into the same loyalty account as the points you earn from actually staying at a hotel. You redeem your points for free stays.

Hotel cards usually offer a sign-up bonus, but like airline cards, they really make their bones with the ongoing perks. Common perks on hotel cards include:

Free nights. Several cards offer this perk, which can make up for the card's annual fee. You may get a free night automatically every year, or you may unlock it by spending a certain amount within a year. In the latter case, it comes on top of the points you earn for your spending.

Upgrades and freebies. Cardholders may qualify for automatic room upgrades when available, or free or discounted amenities such as meals or spa packages.

Early check-in/late check-out. No one likes having to cool their heels in the hotel lobby waiting for 3 o'clock to check in. And no one likes have to vacate their room by 11 a.m. when their flight doesn't leave till evening.

Accelerated elite status. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder.

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

If you decide to go the hotel-card route, you'll need to decide which hotel group gets your business. Hotels aren't as market-concentrated as airlines, so if your travels take you mostly to metropolitan areas, you'll have a decent amount of choice. Keep in mind that even though there are dozens of nationally recognizable hotel brands, ranging from budget inns to luxury resorts, many of them are just units in a larger hotel company, and that company's card can unlock benefits across the group.

Marriott, for example, includes not only its namesake properties but nearly 30 other brands, including Courtyard, Fairfield, Renaissance, Residence Inn, Ritz-Carlton, Sheraton and Westin. The Hilton family includes DoubleTree, Embassy Suites, Hampton Inn and Waldorf-Astoria. InterContinental includes Holiday Inn, Candlewood, Staybridge and Crowne Plaza. Wyndham and Choice have more than 15 mid-tier and budget-oriented brands between them.

HOW TO COMPARE TRAVEL CREDIT CARDS

No travel rewards credit card is going to have everything you want. You're going to be disappointed if you expect to find a high rewards rate, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based on the following features and choose the best travel credit card for your needs and preferences.

Most of the best travel cards charge an annual fee. Fees in the range of $90 to $100 are standard for travel cards. Premium cards with extensive perks will have fees of $450 or more. Weigh the value of the rewards and perks you'll get to make sure they'll make up for the fee.

Can you find good cards without an annual fee? Absolutely! There are no-fee options on our list of the best travel credit cards, and we've rounded up more here . Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.

Rewards rate

Rewards can be thought of in terms of "earn rate" and "burn rate".

The earn rate is how many points or miles you receive per dollar spent. Some general travel cards offer flat-rate rewards, meaning you get the same rate on all purchases, all the time — 2 miles per dollar, for example, or 1.5 points per dollar. Others, including most co-branded cards, offer a base rate of maybe 1 point per dollar and then pay a higher rate in certain categories, such as airline tickets, hotel stays, general travel expenses or restaurant meals.

The burn rate is the value you get for those points or miles when you redeem them. The industry average is about 1 cent per point or mile. Some cards, particularly hotel cards, have lower value per point on the "burn" side but give you more points per dollar on the earning side.

When comparing rewards rates, don't just look at the numbers. Look at the categories to which those numbers apply, and find a card that matches your spending patterns. Getting 5 points per dollar seems great — but if those 5X points come only on purchases at, say, office supply stores, and you don't spend money on office supplies, then you're getting lousy value.

Sign-up bonus

Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to earn the bonus. While cash-back credit cards often require just $500 to $1,000 in spending over three months to unlock a bonus, travel cards commonly have thresholds of $3,000 to $5,000.

Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a $500 bonus doesn't make economic sense — the interest you'll pay could easily wipe out the value of the bonus.

Finally, keep in mind that the biggest bonuses will come on cards with annual fees.

Foreign transaction fees

A good travel card will not charge a foreign transaction fee. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never leave the U.S., then this isn't much of a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them.

Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.

International acceptance

Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)

Travel protections

Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.

"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $450 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks.

Assuming you take advantage of them, the perks often make up for the annual fee on a card quite easily. This is especially true with co-branded cards. Free checked bags can pay for an airline card several times over, and a free night is usually worth more than the fee on a hotel card. When comparing the perks of various cards, be realistic about which ones you will and won't use. Sure, that card may entitle you to a free spa package the next time you're at a five-star hotel, but how often do you stay at five-star hotels?

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

Pros: why it's worth getting a travel card.

The sign-up bonus gives you a big head-start on travel. Bonuses on the best travel credit cards typically run $500 or more — enough for a roundtrip ticket in many instances.

Perks make travel less expensive and more relaxing. You won't have to worry about cramming a week's worth of clothes into a carry-on if your travel credit card gives you a free checked bag (or automatically reimburses you for the bag fee). Hate the crush of travelers in the terminal? Escape to the airport lounge. Renting a car? Use a travel card that provides primary rental car insurance.

Rewards get you closer to your next trip with every purchase. Spending money on the mundane activities of daily life has a silver lining when you know that every $1,000 you spend will knock $10 or $20 off the cost of that future beach vacation or trip home to see Mom and Dad.

No foreign transaction fee can mean big savings. Take just any old credit card with you on vacation outside the U.S., and $1,000 worth of purchases can cost you $30 off the top due to the foreign transaction surcharge. Good travel cards don't charge this fee.

"Double dipping" gives you more points on travel purchases. Buy a plane ticket or book a hotel room, and you'll earn loyalty points or miles regardless of how you pay. Use the right credit card, though, and you'll earn even more points and miles on top of those.

Strategic redemption can multiply your value. With cash-back credit cards, 1 cent is worth 1 cent, and that's just how it goes. The points and miles on many travel credit cards have variable value based on how you redeem them — booking travel with them vs. transferring them to a partner, booking domestic vs. international flights and economy vs. business class, staying at budget hotels vs. high-end resorts, and so on.

Cons: Why a travel card might not be for you

The best cards charge annual fees. In many cases, the value you get from a credit card more than makes up for the annual fee. But some people are dead set against paying a fee under any circumstances. If that's you, your options in travel cards will be sharply limited, and you won't get the perks that provide a big portion of the value on many cards.

Sign-up bonus spending requirements can be steep. A bonus worth $500, $600 or $700 is attractive, but only if you can afford to earn it with spending you were going to do anyway. If you have to amass thousands of dollars in debt and then pay interest on it, it's not worth it.

Travel cards aren't ideal for infrequent travelers. In the first year with a travel card, you're probably going to come out ahead: You can earn a big sign-up bonus, and several popular cards waive the first year's annual fee, too. In subsequent years, though, you'll break even on that fee only if you use the card enough to make up for it (with the rewards you earn and redeem and the perks you use). Infrequent travelers are more likely to get more total rewards from a cash-back card with no annual fee.

Cash back is simpler and more flexible. Some travel cards allow you to redeem your rewards only for travel. Others give you poor value unless you redeem for travel. Still others have complicated redemption options, making it hard to get the most out of your rewards. With cash-back credit cards, you can use your rewards on anything, you know exactly how much your rewards are worth, and redemption is usually simple.

Rewards cards tend to charge higher interest rates. If you regularly carry a balance from month to month, a travel credit card — or any rewards credit card — probably isn't your best choice. The interest you pay is eating up the value of your rewards. You're better off with a low-interest card that reduces the cost of carrying debt.

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

Plan your credit card application around a big purchase to earn the sign-up bonus.

Seize every opportunity to pick up the tab, especially if your travel credit card pays bonus rewards on dining; your friends can pay you back while you collect rewards.

Redeem rewards for travel instead of gift cards, merchandise or (in most cases) cash back to get the best value.

Join the loyalty program associated with a co-branded card — a frequent-flyer or frequent-guest program.

Shop for essentials in your card’s online bonus mall or through its exclusive offers, if available, to get extra rewards.

OTHER CARDS TO CONSIDER

It’s worth considering whether a travel credit card is even right for you in the first place. A NerdWallet study found that cash-back credit cards often earn more money — even for many travelers.

If you carry a balance from month to month, the higher interest rates typically charged by rewards cards can cancel out any rewards earned. If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.

A good travel credit card shouldn't charge foreign transaction fees, but there are good non-travel cards that also don't charge them. See our best cards with no foreign transaction fee .

If you value transparency and flexibility in your rewards, you can't go wrong with a cash-back card — and you can still use the rewards for travel, if you want.

Finally, if you're still not sure what's right for you, take a look at our best rewards credit cards for options beyond travel and cash back.

NerdWallet's Sam Kemmis contributed to this article.

To view rates and fees of the American Express® Gold Card , see this page . To view rates and fees of The Platinum Card® from American Express , see this page .

Last updated on June 21 , 2024

Methodology

NerdWallet's Credit Cards team selects the best travel rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits and airport lounge access. Learn how NerdWallet rates credit cards.

Frequently asked questions

Travel credit cards earn points (sometimes called miles) each time you buy something. The standard earning rate is 1 to 2 points per dollar spent, and many cards give you extra points for certain purchases, particularly travel expenses. The value of a point depends on the card that earned it and how you redeem it, but a good rule of thumb is to assume each point is worth an average of about 1 cent.

Your points accumulate in a rewards account, where you can use them to pay for travel. Most cards let you book travel directly using a portal similar to those at online travel agencies or on airline and hotel websites, but instead of paying cash, you pay with your points. Depending on the card, you may also have the option of booking travel any way you want, paying for it with the card and then cashing in your points for a credit against those expenses.

Points and miles are just different names for the same thing: the currency used in a travel rewards program. Some travel credit cards call them points, some call them miles.

Airline frequent flyer programs have long used the term “miles” to refer to the rewards you earn for flying. That’s because at one time, you really did earn rewards according to how many miles you flew — the longer the flight, the more miles you earned. Nowadays, most domestic airlines give out “miles” based on how much you spend, not how far you fly, so they’re really just points. (There are a few exceptions, though, notably Alaska Airlines.)

Especially when it comes to redeeming your rewards, there’s no difference between points and miles. The number of points or miles you need is based mostly on the cost of what you’re redeeming them for. It takes more than 500 miles (value about: $5) to get a free 500-mile flight!

The value of a point or mile depends on the card you earned it with and how you redeem it. A common rule of thumb is to assume that each point or mile is worth an average of 1 cent, although you can certainly get a much higher (or lower) redemption value. See our travel loyalty roundup page for NerdWallet’s current valuations for airline miles and hotel points.

Travel credit cards fall into two main categories: co-branded and general-purpose.

• Co-branded travel cards carry the name of an airline or hotel chain. The rewards you earn on the card can typically be redeemed only with that brand (or maybe its partners). Co-branded cards limit your flexibility, but because they are issued in partnership with an airline or hotel, they can give you special perks, like free checked bags or room upgrades.

• General-purpose travel cards are issued by a credit card company and are not directly tied to any particular airline or hotel. They earn points in the issuer's own program, such as American Express Membership Rewards, Chase Ultimate Rewards® or Citi ThankYou. These points are a lot more flexible, as you can use them to pay for a range of travel expenses, including flights on any airline or stays at any hotel. However, they don’t offer the airline- or hotel-specific perks of co-branded cards.

Travel cards — like rewards cards in general — typically require good to excellent credit for approval. Good credit is generally defined as a credit score of 690 or better. However, credit scores alone do not guarantee approval. Every issuer has its own criteria for evaluating applications.

Business travel can earn credit card rewards just like leisure travel. Credit cards that earn rewards for travel purchases don't distinguish between one or the other — meaning, if a card pays 3X points on airfare, for example, it's going to pay it no matter why you're buying the ticket. There are also travel credit cards specifically designed for business operators, with benefits and perks better aligned with their needs.

Where things get complicated is when you're not arranging the travel yourself. With credit card points, the rewards go to the cardholder. So if you arrange travel through your employer and the cost goes on the "company card," then the company card gets the points. Put it on your own card and get reimbursed later, and you get the points. (And if you have a company card with your name on it? That may come down to company policy.)

When redeeming travel rewards, you want to get as much value as possible. If you can get more value by using your rewards than by using cash, then it's smart to do so. (And of course, the reverse also applies.) NerdWallet has calculated the baseline values of most major credit card points, airline miles and hotel points. When you get a value that exceeds these baselines, go ahead and use your rewards. If not, consider using cash.

For example, say you could book a trip by paying $400 cash for a ticket or by redeeming 50,000 points or miles. In that case, your points would be getting you a value of 0.8 cents apiece (50,000 x 0.8 cents = $400). If the baseline value of each point is 1 cent, then you're better off paying cash and saving the points for when you can redeem them for 1 cent or better.

That said, you don't want to be overthinking it and hoarding points indefinitely in search of the deal to end all deals. Like any other currency, travel rewards lose value over time. That flight that costs 50,000 points today might cost 55,000 next year. Do you have enough points to get you where you want to go, when you want to go, in the way you want to get there? If so, don't let fractions of a penny stop you from booking your trip. It's your money, and you get to decide how to spend it.

A number of travel credit cards come with "travel credits," which reimburse you for specific expenses. The Chase Sapphire Reserve® , for example, has a $300 annual travel credit; several cards offer credits toward things like airline fees or hotel bookings; and a bunch of cards have a credit for the application fee for TSA PreCheck or Global Entry .

The less restrictive a credit is, the easier it is to redeem. The easiest travel credit to redeem is one that:

Applies to a broad range of expenses. Some credits are very fickle. You may get $200 a year in "airline credit," but it applies only to incidental fees (not airfare) on a single airline that you have to choose ahead of time. A card may offer hundreds of dollars in credit toward travel, but you have to go through the issuer's booking portal, where rates may be more expensive and options more limited. Other credits, however, are broad and open-ended: $300 on any travel expense, $100 toward any airline booking, and so on.

Shows up automatically on your statement. Your issuer's system should be able to recognize qualifying expenses and then apply the credit to them without you having to do anything. If the only way to receive the credit is by calling a phone number or submitting receipts or other documentation, that makes it harder to redeem, which in turn makes it less likely that you'll redeem (and that may be the point).

About the author

Sara Rathner

• Best Credit Cards
• Balance Transfer
• No Annual Fee

On this page

• Our top picks
• Travel credit card details
• How travel cards work

Types of travel cards

• Pros and cons
• How to make the most of a travel card
• Alternatives to travel cards
• Our methodology
• Frequently asked questions

The Best Travel Credit Cards of June 2024

June 13, 2024

How we Choose

Whether you’re an occasional traveler looking to save on your next vacation or a frequent traveler looking for premium travel perks, there’s a travel rewards card for you. We’ll break down our top picks for the best travel rewards credit cards.

Best travel credit cards of June 2024

• Chase Sapphire Preferred® Card : Best welcome bonus
• Capital One Venture Rewards Credit Card : Best for flat-rate rewards
• The Platinum Card® from American Express : Best for luxury travel
• Capital One VentureOne Rewards Credit Card : Best first travel card
• American Express® Gold Card : Best for foodies
• Citi Strata Premier℠ Card : Best for occasional travelers
• Bank of America® Travel Rewards credit card : Best for intro APR
• Chase Sapphire Reserve® : Best for point value
• Capital One Venture X Rewards Credit Card : Best for annual credits
• Discover it® Miles : Best for no annual fee
• Chase Freedom Unlimited® : Best for pairing with Chase cards
• Wells Fargo Autograph Journey℠ Card : Best for hotels
• Wells Fargo Autograph℠ Card : Best for gas and transit
• Bank of America® Premium Rewards® credit card : Best for travel credits
• Credit One Bank Wander® Card : Best for fair credit
• United Quest℠ Card : Best for United MileagePlus members

Additional Options:

• Southwest Rapid Rewards® Plus Credit Card: Best for budget flyers
• Marriott Bonvoy Boundless® Credit Card: Best hotel credit card
• American Airlines AAdvantage® MileUp®: Best no-annual-fee airline card

Chase Sapphire Preferred® Card

Rewards rate

At a glance, overall rating, why we like this card.

This card has one of the highest sign-up bonuses you’ll find with a mid-level travel card. Plus, it offers generous rewards for your travel and dining purchases and additional benefits like a 25% boost in points value when you redeem your rewards through the Chase Travel℠ portal.

• You'll find more benefits with this card than with other mid-level travel cards, including an anniversary boost and a hotel credit.
• Instead of the typical 1-cent–per-point value you might find on rival travel cards, you can enjoy 25% more value when you book travel through Chase Travel℠.
• Bonus categories are limited to travel and dining, so you have little flexibility in how you earn rewards.
• The card lacks attractive travel perks like airport lounge access or security precheck credits.

Bottom Line

If you are hoping to fast-track your way to your next trip, the Chase Sapphire Preferred offers ample opportunities to earn rewards, along with a generous sign-up bonus.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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, 60,000 points are worth $750 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

Rates & Fees

Capital one venture rewards credit card.

The Capital One Venture Rewards Credit Card offers a great flat rate of 2X miles for all purchases and gives you ultimate flexibility for redemption, including for travel purchases booked outside of the Capital One portal non-travel rewards, such as gift cards (though you may get a lower value). You can also enjoy additional benefits, like an up to $100 credit toward Global Entry or TSA PreCheck®, that can help offset the $95 annual fee.

• Simple earning structure and flexible redemption options
• Generous sign-up bonus
• Lack of large domestic travel transfer partners
• Low redemption value unless using select airlines

The Capital One Venture Card is a top-notch travel card that offers simplicity and valuable perks without the pricey annual fees associated with many premium cards in this category or skimping on rewards.

• 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

The Platinum Card® from American Express

See if you’re pre-approved for this card using our CardMatch tool .

This popular premium card from American Express comes fully-loaded with travel benefits, including luxury lounge access, Hilton Honors gold status (enrollment required), no foreign transaction fees and an impressive list of travel benefits that will help offset the $695 annual fee.

This card currently touts a generous welcome offer: You can earn 80,000 points if you spend $8,000 in your first six months of card membership, which we estimate to be worth around $800 when you book through AmexTravel (where points are worth around 1 cent each).

• Extensive list of travel credits and premium perks
• Ability to transfer points to a host of airline partners, including Delta Airlines
• Limited amount of bonus categories
• Expensive annual fee

For frequent travelers or those looking to make their dream vacation a reality, the Amex Platinum checks every box and provides generous travel credits to offset its high annual fee.

• 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.

Capital One VentureOne Rewards Credit Card

This card is ideal as a first travel card because you don’t have to strategize to offset an annual fee every year, but can still enjoy terrific travel benefits. You can redeem for various travel purchases like hotels, rental cars and flights either through Capital One’s travel portal or other travel websites. Plus, you can transfer your rewards to partner loyalty programs — adding more flexibility in your travel.

• No need to offset the cost of an annual fee
• Low minimum spend for sign-up bonus
• Lower rewards rate and less perks than cards with an annual fee
• Reduced value of your miles when you use the rewards for non-travel redemption options, such as statement credits or gift cards

This card offers a straightforward earning structure and an attainable sign-up bonus, allowing cardholders to rack up miles while not worrying about an annual fee.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• 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

American Express® Gold Card

The Amex Gold card offers an industry-leading 4X points at restaurants (including U.S. takeout and delivery) and U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar) as well as 3X points on flights booked directly with airlines or amextravel.com.

It also features dining benefits, such as an up to $120 in yearly statement credits on select restaurants, including Grubhub and The Cheesecake Factory, and up to $120 in Uber cash annually. In addition to the foodie-friendly rewards rate, this card offers a valuable introductory offer and travel perks like baggage and car rental insurance when you book with your Gold card.

• If you spend a lot on food and dining, its industry-leading rewards rate on restaurant and U.S. supermarket purchases is hard to beat.
• Like the Amex Green card, you can transfer points to multiple air travel partners, including Delta Airlines, and hotel partners, like Hilton Honors.
• Its annual fee is pricier than what’s on some travel credit cards.
• You must redeem travel rewards through amextravel.com.

The Amex Gold is one of the best cards on the market with its generous rewards rate and lucrative introductory offer. If food and travel account for a large portion of your spending, this card’s value more than covers the $250 annual fee.

• 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.

Citi Strata Premier℠ Card

Thanks to its high rewards rate in a terrific mix of everyday spending categories — not just travel — this card makes it easy to earn points even if you don’t spend a ton on travel. It’s hard to find a card that offers such a high rewards rate in all three of groceries, dining and gas, so this card makes a great centerpiece for a travel rewards strategy.

• Even if you only spend modestly on travel, this card’s annual fee should be easy to offset thanks to its everyday rewards and valuable annual hotel benefit.
• You can pair this card with one or both of Citi’s no-annual-fee rewards cards and enjoy a terrific rewards rate on everything from travel and groceries to gas, dining and more based on your spending habits.
• The annual hotel benefit, though valuable, isn’t the most flexible perk. If you spend less than $500 each year on a single hotel booking, you’ll miss out on the benefit entirely.
• Competing travel cards offer higher rewards rates on general travel, higher point redemption values and more flexible, airfare-centric perks that may be a better fit for frequent flyers.

If you want to earn travel rewards but don’t actually spend much on travel, this may be the most lucrative standalone rewards card you can get.

• 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
• $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

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great choice for infrequent travelers who want ultimate flexibility when it comes to earning and redeeming rewards. Cardholders can redeem points for statement credit to pay toward travel expenses, like flights, hotels, vacation packages, cruises, rental cars or baggage fees. Additionally, you can redeem for dining purchases.

You can also take advantage of its sign-up bonus — 25,000 online bonus points if you spend $1,000 in your first 90 days, redeemable for a $250 statement toward travel and dining made on your credit card within the last 12 months, including on third-party sites like Expedia or Travelocity.

• Ultraflexible redemption policy that can cover some purchases outside travel
• Can redeem rewards as a statement credit months after the initial travel or dining purchase
• Rewards rate for travel purchases not as lucrative as others in this category
• Not the most valuable sign-up offer

Despite the fact that cardholders won’t be able to weigh spending toward a particular category to maximize their points, this card is a great fit for occasional travelers who still want to earn rewards but without having to pay an annual fee.

• 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.
• 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.
• 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.

Chase Sapphire Reserve®

For those looking for a premium credit card with generous travel perks and a top-tier sign-up bonus, the Chase Sapphire Reserve is considered to be one of the best options on the market. And with no blackout dates, expiration dates for points or point limits, the card offers major redemption flexibility.

The sign-up bonus is worth a whopping 60,000 points or $900 toward travel when you redeem through Chase Travel℠ after spending $4,000 on purchases in the first three months, so you are getting more than a cent per mile value. With the $300 annual credit for travel purchases, generous earning structure and impressive list of additional perks, seasoned travelers have plenty of opportunity to offset the steep $550 annual fee.

• Wealth of travel perks and rewards categories
• Increase your point value by 50% by redeeming them for travel through Chase Travel℠
• Required spend of $300 on travel annually before travel category rewards rates apply
• Lower rewards value for merchandise

While the price of admission for Chase’s premium travel card is steep, the bonuses and wealth of luxury travel perks will be worth it in the long run for experienced travelers.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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, 60,000 points are worth $900 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®

Capital One Venture X Rewards Credit Card

The Venture X is an instant top contender in the premium card market with its fully-loaded annual benefits that can be worth over $400. Yearly perks like bonus miles on your account anniversary (equal to $100 in travel) and a $300 travel credit when you book travel through Capital One Travel, can help cover the annual fee. Compared with other high-end travel rewards credit cards, the $395 annual fee is modest, and many travelers will come out well ahead.

• You can enjoy a fairly simple rewards structure with unlimited 2X miles in all purchase categories, in addition to bonus rewards in Capital One travel categories.
• The card offers statement credit for Global Entry and TSA Precheck, which adds to your overall savings.
• The sign-up bonus is generous, but it requires a high spend.
• While not unusual, you'll need excellent credit to be eligible for this premium card.

Travel rewards cards packed with this many features typically come with sky-high annual fees, but the Capital One Venture X Rewards Credit Card delivers with luxury benefits and a more down-to-earth annual fee.

• 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
• 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

Discover it® Miles

For a no-annual-fee card, Discover offers simplicity. You’ll be able to earn unlimited miles and have flexible redemption options like statement credits towards travel purchases or as cash deposits into your bank account. Plus, cardholders have a unique opportunity at the end of their first year when Discover will match every mile you earn.

• Appealing welcome offer that can essentially double all the miles earned at the end of the first year
• Competitive redemption value for cash back at 1 cent per mile
• Rewards earning potential takes a significant hit after your first year
• Can’t transfer miles to airline frequent-flyer programs

The Discover it® Miles card offers an impressive list of high-end travel perks and a generous first-year welcome offer for travel credit card newbies, but earning benefits drop off substantially after the first 12 months.

• 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
• 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.

Chase Freedom Unlimited®

Its flat rate and bonus categories, especially for the first 12 months, make it a great companion for premium Chase cards. If you want to rack up as many Chase Ultimate Rewards points as possible and then use them toward your next trip, then this card can help you get there. Plus, its welcome offer can help boost rewards.

• Its bonus earnings for the first 12 months boost your rewards and this card’s upfront value.
• You can pool this card’s rewards with certain Chase travel cards to get more redemption and transfer flexibility.
• Other cards have better travel benefits or welcome offers if you want as many rewards and perks as possible.
• You won’t get the full potential of this card without pairing it with a premium Chase card, which comes with annual fees.

This card’s true potential lies in pairing it with certain Chase travel cards. Make sure you use it to pool your Ultimate Rewards points for more value when redeeming for travel.

• 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.

Wells Fargo Autograph Journey℠ Card

Though it boasts a terrific rewards rate on hotel bookings and airfare, it’s flexible enough to offer great value even for occasional travelers. You can redeem points for both cash back and travel, earn bonus rewards on restaurants and score an especially easy-to-earn annual credit.

• You can offset over half the card’s cost just by taking advantage of the $50 annual statement credit you’ll get with a $50 minimum airline purchase. That’s easy to earn even if you only fly once per year.
• Wells Fargo now offers a decent list of airline and hotel partners, making the card easily the issuer’s most appealing option for occasional or semi-frequent travelers.
• You’ll miss out on some of the more popular travel and airline credit card perks, like TSA PreCheck credits, free checked bags and priority boarding, which may be more valuable to frequent travelers than an annual statement credit.
• While you can stack and pool points with the Wells Fargo Autograph℠ Card, it only offers one lucrative category not already covered by the Autograph Journey: gas stations.

This is a solid mid-tier card for semi-frequent travelers looking for flexible redemption and a balance of everyday and travel-centric rewards.

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 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, 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.

Wells Fargo Autograph℠ Card

It offers one of the best rewards rates you can get on everyday travel – including airfare, hotels, gas stations and transit – without paying an annual fee. And since it also rewards dining (another key everyday spending category), it makes for a terrific standalone rewards card.

• It has no annual fee and a high rewards rate for everyday spending categories.
• It earns bonus rewards in common spending categories like gas stations and restaurants as well as in harder-to-find categories like phone plans, making it an especially versatile option.
• Though the card earns bonus rewards in a great mix of everyday categories, it offers a lackluster rate on grocery purchases, which could limit its standalone value.
• Unlike some competing no-annual-fee travel cards, the Autograph doesn’t let you transfer points to airline or hotel loyalty programs, limiting the potential value of your rewards.

This card could be a great fit for occasional travelers who want to earn rewards on everyday spending and have the flexibility to redeem for cash back.

• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• 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 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.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Rapid Rewards® Plus credit card is ideally suited for entry-level travelers. Even if you only fly occasionally with Southwest airlines, you can easily boost rewards and receive a generous welcome offer. The perks for this card rival those found in higher-tier cards, such as getting the first two checked bags for free and two EarlyBird Check-In® each year.

• Can almost cover the annual fee with 3,000-point anniversary bonus
• Valuable perks on a domestic airline with a reputation for being customer-friendly
• Does not include certain perks often found with travel cards, such as priority boarding or a fast track to elite status
• Lacks airline partners and international travel options

For those already integrated into the Southwest ecosystem, this card offers generous bonus opportunities and access to unique, customer-friendly perks for a reasonable annual fee.

• Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
• 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.

Bank of America® Premium Rewards® credit card

This card from Bank of America offers great value for a $95 annual fee card, especially if you already bank with them. If you are a Bank of America Preferred Rewards® member, you’ll be rewarded with an additional 25 percent to 75 percent redemption bonus on all your earnings.

In addition, this card offers some of the strongest travel insurance benefits you can get, up to a $100 annual statement credit that you can use for airline incidental expenses, an application fee credit for TSA PreCheck or Global Entry, and a points program that rewards spending in a variety of categories.

• The $100 annual statement credit you can use towards airline expenses and the application fee credit for TSA PreCheck or Global Entry more than offset the $95 annual fee.
• Preferred Rewards members receive some of the highest rewards rates among any travel or cash back credit cards.
• If you’re not a Preferred Rewards member, the benefits of the card are not as robust compared to other cards with similar annual fees.
• The $100 airline incidental credit only covers qualifying incidentals and not actual flight costs.

The Bank of America Premium Rewards credit card combines the benefits of a cash back card and premium travel card and is an especially good value for those with existing Bank of America accounts.

• Low $95 annual fee.
• 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 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.

Credit One Bank Wander® Card

This is one of the only travel cards accessible to people with fair credit. It also offers a high rewards rate on a great mix of travel spending, including gas, airfare, hotels, resorts and bookings made through travel agencies. This will be especially appealing if you prefer booking directly with airlines and hotels to maximize loyalty rewards and elite status.

• People with fair-to-excellent credit can earn high rewards on eligible travel and everyday purchases like dining and gas.
• Frequent travelers can earn generous rewards even while working toward elite status with airline and hotel loyalty programs.
• It offers fewer perks compared to other mid-level travel cards with a similar annual fee and high variable APR.
• Points aren’t transferable and remain fixed at a value of 1 cent each when redeemed for cash back, which could prove limiting for frequent travelers who know how to maximize points for greater value.

This could be a top pick for travelers who struggle to qualify for cards with more travel perks and transfer partners.

• 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

United Quest℠ Card

If you like to regularly travel on United Airlines (or their partner airlines) then this card is worth a look. Not only do you earn enhanced bonus miles for United purchases, other travel and select everyday purchases, you also get an impressive amount of airline-specific perks. This includes anniversary credits and free first and second checked bags for you and one companion.

• Impressive sign-up bonus and anniversary credits
• Easy to earn miles with popular bonus categories like dining and select streaming purchases
• High annual fee for infrequent United flyers
• No airport lounge access

The United Quest Card is a terrific option for semi-frequent United travelers, but cardholders should plan to redeem United miles at least twice a year to take full advantage and offset the annual fee.

• Limited-time offer: Earn 70,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)

The information about the Marriott Bonvoy Boundless Credit Card, the American Airlines AAdvantage® MileUp® Card, the American Express® Green Card and the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.

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.

*All information about the Capital One Walmart Rewards® Mastercard® has been collected independently by CreditCards.com and has not been reviewed by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparing the best travel credit cards of 2024

Editor’s picks: best travel credit card details, best welcome bonus: chase sapphire preferred® card.

• Best features : This card packs in plenty of value that is rare for only $95 a year. It comes with a high sign-up bonus, generous rewards program and competitive redemption values.
• Biggest drawbacks : You may need to look beyond the Chase Sapphire Preferred if you prefer luxury features like TSA PreCheck, priority boarding, travel credits and lounge access.
• Alternatives: The Citi Strata Premier℠ Card  has a similar annual fee and a generous welcome offer too. Travelers who want to book travel outside of credit card portals and who spend a lot on gas and in-store grocery purchases may get better value out of the Strata Premier card.
• Bottom line : A modest annual fee, impressive sign-up bonus and ultra-flexible rewards redemption give this card great short- and long-term value for travelers who don’t need a ton of luxury perks.

Read our Chase Sapphire Preferred Card review or jump back to this card’s offer details .

Best for flat-rate rewards: Capital One Venture Rewards Credit Card

• Best features : For a reasonable annual fee, this popular Capital One credit card offers standout rewards with an easy rewards structure and versatile redemption options. You can transfer miles to over 15 loyalty programs or redeem for statement credit toward travel.
• Biggest drawbacks : Capital One doesn’t have many domestic travel transfer partners. This can make it harder to maximize the value of your miles when booking domestic flights.
• Alternatives : If you’re looking to earn at a flat-rate but aren’t too pleased with the Venture card’s $95 annual fee ( See rates and Fees ), the Capital One VentureOne Rewards Credit Card is a suitable alternative. Although cardholders only earn 1.25X miles on all purchases, the card still comes with a sign-up bonus of 20,000 miles for spending $500 in the first three months. This is a smaller bonus and a lower rewards rate than the Venture card, but it’ll also be easier to obtain, making this an ideal option for modest spenders.
• Bottom line : This card is a great option if you’re looking for an easy way to earn high travel rewards on all purchases. But if you’re after top-drawer travel perks, you may want to look elsewhere.

Read our Capital One Venture Rewards Credit Card review or jump back to this card’s offer details .

Best for luxury travel: The Platinum Card® from American Express

• Best features : This premium card comes fully-loaded. You can enjoy luxury lounge access, elite status with Hilton Honors and Marriott Bonvoy hotels (upon enrollment) and even travel consultants to help plan your trip. A laundry list of travel credits can also help offset the card’s annual fee.
• Biggest drawbacks : The card only earns bonus rewards on flights and prepaid hotels. You might earn more with cards that offer bonus points or miles on both travel and everyday essentials. Plus, some of the credits – like the card’s luxury fitness credit or Walmart+ credit – don’t have broad appeal, making it harder to offset the high $695 annual fee.
• Alternatives : Unlike the Platinum card, the American Express® Gold Card lets you earn high bonus rewards for purchases made in categories beyond travel, including restaurant and U.S. supermarket purchases. It also comes with a lot of the same benefits as the Platinum card, such as car rental insurance, purchase protection and Hotel Collection benefits, all for a much smaller $250 annual fee.
• Bottom line : If you can take advantage of its many perks, this card should tick all the right boxes for big spenders and frequent travelers looking for luxury travel perks, particularly complimentary airport lounge access.

Read our American Express Platinum Card review or jump back to this card’s offer details .

Best first travel card: Capital One VentureOne Rewards Credit Card

• Best features : The VentureOne card is a basic travel card for beginners who want to earn flexible rewards but aren’t ready to commit to an annual fee ( See rates and Fees ). VentureOne cardholders can earn bonus miles on hotels and rental cars booked through Capital One Travel and 1.25X miles on every other purchase. You can transfer these miles to numerous airline and hotel partners.
• Biggest drawbacks : Other no-annual-fee travel cards offer better perks and higher rewards rates than the VentureOne’s 1.25X miles.
• Alternatives : The Bilt Mastercard® is a unique no-annual-fee card that earns points on rent payments without the processing fees. But the card is also a great beginner travel card, offering bonus rewards on travel and dining (points are transferable too). Plus, if you wait until the first of the month, your patience will be rewarded with double points on all non-rent purchases for 24 hours (on up to 10,000 bonus points). That’s a whopping 6X points on dining, 4X points on travel and 2X points on all other non-rent purchases. You must use the card 5 times each statement period to earn points.
• Bottom line : Budget-friendly travelers can get a decent amount of value out of this starter travel card, but if transferring rewards to travel partners isn’t a priority for you, a flat-rate cash back card may be more lucrative.

Read our Capital One VentureOne Rewards Credit Card review or jump back to this card’s offer details .

Best for foodies: American Express® Gold Card

• Best features : Traveling foodies, rejoice – this card offers an industry-leading 4X points at restaurants, including takeout and delivery in the U.S. You’ll also earn 4X points at U.S. supermarkets (on up to $25,000 per calendar year, then one point per dollar) and 3X points on flights booked directly with airlines or AmexTravel.com. Trips with common carriers that are booked with your Gold card are covered for baggage insurance worth up to $1,250 for carry-on bags and $500 for checked bags.
• Biggest drawbacks : The annual fee is $250, pricier than other travel rewards cards with mid-level travel perks. And unless food is a significant portion of your spending, the card’s rewards rate and food delivery credits may not be the best fit.
• Alternatives : The Citi Strata Premier℠ Card  comes close to matching the Amex Gold with its rewards rates, but its annual fee is much lower (just $95).
• Bottom line : If you’re a frequent traveler who makes dining out a staple of their vacations and staycations, you’ll get a lot of value with this card.

Read our American Express Gold Card review or jump back to this card’s offer details .

Best for occasional travelers: Citi Strata Premier℠ Card

• Best features: Along with its practical everyday bonus categories, this card stands out with its annual hotel benefit, which can offer enough value to offset the annual fee on its own.
• Biggest drawbacks: Citi points don’t offer an especially high travel redemption value and the annual hotel benefit, while generous, carries a high spending requirement.
• Alternatives: The Chase Sapphire Preferred® Card may be a better option for frequent travelers thanks to its high rewards rate on general travel booked via Chase Travel, its more flexible annual hotel credit and its high base point redemption value (1.25 cents per point via Chase Travel).
• Bottom line: This is one of the best travel cards out there if you’re more focused on everyday rewards than luxury perks.

Read our full   Citi Strata Premier℠ Card review  or or jump back to this card’s offer details .

Best for intro APR: Bank of America® Travel Rewards credit card

• Best features : This card will appeal to infrequent travelers who don’t typically book through travel portals. Instead, you can redeem your points for any travel and dining purchases made on your credit card within the last 12 months. And if you’re a Preferred Rewards member, you can earn up to 25% to 75% more points on every purchase.
• Biggest drawbacks : The best rewards are reserved for Bank of America customers with savings or investment accounts. If that’s not you, you can likely find another card that rewards your travel purchases at a higher rate.
• Alternatives : The Capital One VentureOne also does not charge an annual fee or foreign transaction fee ( See rates and Fees ), but even casual travelers can benefit from its valuable purchase and travel protections.
• Bottom line : The Bank of America Travel Rewards card is a solid choice for occasional travelers focused on earning some rewards and avoiding an annual fee.

Related : Is the Bank of America Travel Rewards card worth it?

Read our Bank of America Travel Rewards credit card review or jump back to this card’s offer details .

Best for point value: Chase Sapphire Reserve®

• Best features : This top-of-the-line card comes with a wealth of travel perks, including a sign-up bonus worth $900 when redeemed through Chase Travel℠ (60,000 points after spending $4,000 in the first three months). In addition to the $300 travel credit, you can try out services like Instacart+ and DashPass for free for one year.
• Biggest drawbacks : Despite the annual credit and elevated bonus categories, the card’s $550 annual fee might be challenging to offset every year.
• Alternatives : If you’re looking for a card with annual credits and luxury lounge access, The Platinum Card® from American Express offers a wider network but carries a slightly higher annual fee of $695.
• Bottom line : Frequent travelers who can take full advantage of the Sapphire Reserve card’s perks and bonus categories can also enjoy the card’s boosted value on travel redemptions.

Related : Chase Sapphire Preferred vs. Ch ase Sapphire Reserve

Read our Chase Sapphire Reserve review or jump back to this card’s offer details .

Best for annual credits: Capital One Venture X Rewards Credit Card

• Best features : Cardholders can take advantage of this card’s yearly credits to help offset its annual fee and enjoy additional perks like lounge access. And when you book through Capital One Travel, you’ll earn some of the highest rewards available for hotels, rental cars and flights.
• Biggest drawbacks : You’ll have to book your travel through Capital One Travel instead of directly through an airline or hotel to get the best value out of this card.
• Alternatives: The Platinum Card® from American Express is one of the best travel cards for lounge access and other luxury perks. Frequent travelers who can take advantage of all those perks can easily offset the card’s high annual fee.
• Bottom line : The Venture X should appeal to both frequent travelers who want to earn more than just 1 mile per dollar on all non-travel purchases and luxury travelers who want to enjoy premium travel without paying the typical sky-high annual fees.

Read our Capital One Venture X Rewards Credit Card review or jump back to this card’s offer details .

Best for no annual fee: Discover it® Miles

• Best features : The Discover it® Miles offers simplicity and flexibility without the annual fee. All purchases earn a fairly average 1.5X miles. But Discover sweetens the deal by matching all the miles you’ve earned at the end of your first year. Instead of travel, you can also redeem rewards online with Amazon or when you pay with PayPal (though redemption value might be lower).
• Alternatives : The  Capital One VentureOne Rewards Credit Card  is another solid no-annual-fee travel card ( See rates and Fees ). It not only offers a flat rate of 1.25X miles on every purchase, but also 5X miles on hotels and rental cars booked through Capital One Travel. That could make it easier for frequent travelers to earn rewards. It also has a number of travel and consumer protections that you won’t find with most entry-level travel cards, including the Discover it ®  Miles.
• Bottom line : This card skips the annual fee and the generous first-year welcome offer is ideal for budget-friendly travelers or someone looking for their first travel credit card.

Read our  Discover it ®  Miles review  or jump back to this  card’s offer details .

Best for pairing with Chase cards: Chase Freedom Unlimited®

• Best features: Its 1.5% rate on general purchases makes it a great catch-all card as part of your overall travel rewards strategy. You can use this card with certain Chase cards to get more Chase Ultimate Rewards points, one of the most valuable credit card points.
• Biggest drawbacks: It has a 3% foreign transaction fee, so if you were planning to use this card abroad on your travels, it can be more costly.
• Alternative(s): The Chase Sapphire Preferred Card is one of Chase’s premium travel cards, with solid earning rates on dining and travel. For a modest $95 annual fee, it comes with top-of-the-line travel benefits, increases points redemption value through the Chase travel portal and can transfer points to Chase travel partners.
• Bottom line: If you already have a Chase travel card — or are planning to get one in the future — this card is a must-have for maximizing travel rewards.

Read our full Chase Freedom Unlimited® review or jump back to this card’s offer details .

Best for gas and transit: Wells Fargo Autograph℠ Card

• Best features: This card’s mix of bonus categories should be a terrific fit if you’re looking for a low-cost way to earn rewards on both everyday travel and big trips. You’ll earn rewards at a great rate on everything from gas and transit to airfare and hotels, without worrying about maximizing point values or offsetting an annual fee.
• Biggest drawbacks: Its list of perks is just okay, even for a no-annual-fee travel card. You’ll miss out not only on benefits like expedited security screening and lounge access, but also the ability to transfer points to airline and hotel loyalty programs.
• Alternatives: Though it may earn rewards at a lower rate, the Capital One VentureOne Rewards Credit Card could be a great alternative. Its streamlined, flat-rate rewards program is a great fit if you’re new to earning miles, and the card gives you the flexibility to transfer miles to Capital One airline and hotel partners, which could boost their redemption value.
• Bottom line: The Autograph card is a great option if you want to earn rewards on everyday travel and need the flexibility to redeem for both travel and cash back.

Read our Wells Fargo Autograph℠ Card review or jump back to this card’s offer details .

Best for travel credits: Bank of America® Premium Rewards® credit card

• Best features : Along with perks like an annual credit up to $100 for airline incidentals, which includes seat upgrades and airline lounge fees, this card offers a credit of up to $100 to cover the cost of a TSA Precheck or Global Entry application. That perk isn’t always included on travel cards at the $95-annual-fee level. You can also redeem for cash back as a deposit into Bank of America® checking or savings accounts or for gift cards and purchases at the Bank of America Travel Center.
• Biggest drawbacks : Unlike many travel rewards cards with an annual fee, this card doesn’t let you transfer rewards to partner airline or hotel loyalty programs to squeeze more value out of your points. Plus, the card’s best rewards rates are reserved for people with large savings or investment accounts with Bank of America.
• Alternatives: The Chase Sapphire Preferred card has greater flexibility for travelers who want to transfer their points to airline or hotel travel partners. It also comes with better redemption value if you book travel through the Chase Travel℠ portal and travel protections.
• Bottom line : This card could be a good fit for heavy packers who can take advantage of the airline incidental fee credits or people who already have a Bank of America account. Those who are loyal to one airline or don’t bank with Bank of America may not find much value in this card.

Read our Bank of America Premium Rewards credit card review or jump back to this card’s offer details .

Best for fair credit: Credit One Bank Wander® Card

• Best features : Even people with fair credit can take advantage of the card’s bonus rewards in a variety of travel categories. Many travel cards only earn generous bonus rewards for airline or hotel purchases or for travel booked through the issuer’s travel portal. But the Wander card is more flexible, giving you more freedom to book travel the way you like.
• Biggest drawbacks : There are no transfer partners, so your points are worth a maximum of 1 cent each. Plus, the card has fewer perks compared to other mid-level cards with a similar annual fee.
• Alternatives : Your options are limited if you’re looking for another travel card open to people with fair credit. But many Capital One cards like the Capital One Walmart Rewards® Mastercard® * or the Capital One QuicksilverOne Cash Rewards Credit Card could help you rack up a lot of rewards that you can use to help cover the cost of travel. You can also take advantage of convenient and cost-saving features found in the Capital One Travel Portal.
• Bottom line : This card is a solid pick for credit-builders who also want to earn travel rewards.

Read our Credit One Bank Wander® Card review or jump back to this card’s offer details .

Best for United MileagePlus members: United Quest℠ Card

• Best features : Even semi-frequent United flyers can come out ahead with this mid-tier airline credit card, thanks to all the ways the card’s perks can offset its $250 annual fee. That includes multiple anniversary credits, priority boarding, checked baggage fee waivers and the up to $100 credit for TSA Precheck or Global Entry application fee.
• Biggest drawbacks : Unlike other airline cards with a high annual fee, the United Quest doesn’t offer complimentary lounge access. Plus, the sign-up bonus has a high spend requirement: You’ll need to spend $4,000 in the first three months to earn the sign-up bonus of 70,000 miles plus   500 Premier Qualifying Points.
• Alternatives : If the annual fee doesn’t fit your budget, the United℠ Explorer Card is worth a look since it has a $0 intro annual fee (then $95 annually), but still carries a generous sign-up bonus, priority boarding, purchase and travel protections and an up to $100 credit for TSA Precheck or Global Entry application fee.
• Bottom line : The United Quest Card packs in a lot of perks and value, making it a solid pick for loyal United travelers looking for an enhanced travel experience.

Read our United Quest℠ Card review or jump back to this card’s offer details .

Best for budget flyers: Southwest Rapid Rewards® Plus Credit Card

• Best features : This entry-level airline card has some of the same popular features as more expensive Southwest consumer travel cards, including a chance to earn the Southwest Companion Pass® – one of the most coveted perks in all of travel rewards. If you earn 135,000 points in a year, you can pick a companion to fly with you for free (except for taxes and fees) for up to two years on any Southwest flight that you purchase with cash or points.
• Biggest drawbacks : Unlike some other airline cards, this no-frills card doesn’t earn bonus points in popular everyday categories like gas or grocery stores. Plus, the card’s anniversary bonus of 3,000 points is lower than the Southwest Rapid Rewards® Premier Credit Card’s bonus.
• Alternatives : The Delta SkyMiles® Gold American Express Card may be a better fit for budget travelers. It comes with a $0 intro annual fee for the first year (then $150) and a chance to earn bonus miles faster thanks to practical bonus categories including restaurants and U.S. supermarkets. It also has a number of convenient features like priority boarding and a chance to earn a $200 Delta flight credit. Plus, Delta and its partner network are much more extensive than Southwest.
• Bottom line : The Rapid Rewards Plus card is a decent choice for occasional Southwest flyers looking for a cheap rewards travel card. But if you fly Southwest frequently and want to double your anniversary points while avoiding foreign transaction fees, consider upgrading to the Southwest Rapid Rewards® Premier Credit Card and its higher annual fee of $99.

Read our Southwest Rapid Rewards Plus Credit Card review .

Best hotel credit card: Marriott Bonvoy Boundless® Credit Card

• Best features : This card offers great long-term value for frequent travelers who stay at the world’s largest hotel chain a few nights or more per year. You get plenty of chances to offset the $95 annual fee, including a free night every year after your account anniversary (up to 35,000 points) and a high rewards rate in the popular, practical bonus categories of travel, grocery, gas and dining purchases, as well as a flat rate of 2X points on all other eligible purchases.
• Biggest drawbacks : You can only use your rewards with Marriott hotels. So if you don’t frequent the brand, you’ll be better served by a different hotel credit card or a general-purpose travel rewards card, which offers greater flexibility in how you redeem your rewards.
• Alternatives : If you’re not loyal to one hotel chain, the Chase Sapphire Preferred should give you more redemption options. It earns bonus points on travel, dining and select online grocery purchases – points that can be redeemed in a variety of ways, including for travel, or transferred to one of Chase’s airline or hotel partners. And when you redeem for travel through the Chase Travel℠ portal, your points have 25% more value.
• Bottom line : Travelers who stay at Marriott frequently enough to offset the $95 annual fee will appreciate this card. But depending on your spending habits and the hotel features that matter most to you, you may get greater value with another Marriott card .

Read our Marriott Bonvoy Boundless Credit Card review .

Best no annual fee airline card: American Airlines AAdvantage® MileUp® Card

• Best features : This no-annual-fee airline card gives households a chance to earn miles on more than just travel. You’ll earn 2X miles not only on eligible American Airlines purchases, but also at grocery stores, which increases the card’s earning potential for the average consumer. The MileUp card also has a low spend threshold for its sign-up bonus: Spend just $500 in your first three months and you’ll earn 10,000 miles and a $50 statement credit.
• Biggest drawbacks : This card lacks a number of cost-saving perks found with other airline cards, including a free first checked bag for you and additional passengers and a chance to earn travel credits for your spending. Depending on how often you fly and how many people you travel with, you could actually save more money with a travel card that charges an annual fee.
• Alternatives : The Delta SkyMiles® Gold American Express Card has a similar rewards rate and charges no annual fee for the first year, then $150 thereafter. That gives you time to test out perks you won’t find with the MileUp card, like priority boarding, a first checked bag free for you and eight additional passengers and a chance to earn a $200 flight credit after spending $10,000 in a calendar year.
• Bottom line : This card is worth a look if you’re loyal to American Airlines but only fly occasionally and are looking for a no-annual-fee credit card . But if you want the flexibility to fly with different carriers while still earning high rewards, you may get better value out of a general-purpose travel rewards card.

Read our American Airlines AAdvantage MileUp review .

How do travel credit cards work?

Travel rewards credit cards let you earn points or miles you can redeem for travel purchases. Some offer a flat rate on general purchases, but many offer bonus rewards for typical travel purchases or everyday spending categories, like restaurants, gas or even groceries.

Earning points or miles is usually as easy as swiping your card, and some cards provide limited-time offers and sign-up bonuses to add more incentives. The basics of points and miles cards are pretty much the same. You earn and accumulate rewards by making purchases with your card, and redeem for a discount on your next trip.

Your redemption options will vary by card. Most require that you redeem points or miles for travel purchases. (Some let you redeem for gift cards or cash back, but it might be at a lower value.) You can typically redeem points or miles by booking future trips through a designated portal, like Amextravel.com or Chase Ultimate Rewards, or transferring rewards to an issuer’s travel partners to book flights or hotel stays. Some allow you to redeem for a statement credit on travel purchases made within a certain time frame.

Your redemption options will vary by card. Typical options include:

• Booking new travel
• Transferring points or miles to a travel partner
• Statement credit for past travel purchases

Redeeming for travel often yields the best value, while non-travel options like gift cards might have a lower redemption value. You can typically redeem points or miles by booking future trips through a designated portal, like Amextravel.com or Chase Ultimate Rewards, though some let you redeem directly with the airline or third-party travel agency.

General travel credit cards + –

General travel or general-purpose credit cards aren’t tied to or co-branded with a particular airline or hotel. They are best for any traveler who values flexibility in how they earn and redeem rewards.

Depending on the card, you can earn higher points not only on travel-related purchases, but also in popular categories like groceries, gas and dining. You can redeem the points you earn in many different ways, like statement credits and travel. A 1-cent-per-point value is typical, but points may be worth less when used for non-travel options or more if transferred to the right travel partner.

Transferring your points over to an airline or hotel loyalty program can help you strategize so you can get the most out of your points. However, average point values vary from program to program, so you’ll need to test out different routes and carriers to see how far your points can take you before you transfer points between loyalty programs.

Some of the most popular rewards programs for general travel credit cards include:

• American Express Membership Rewards
• Chase Ultimate Rewards
• Capital One Travel
• Citi ThankYou Points

Is a general travel credit card worth it?

Co-branded cards usually feature high-value airline or hotel perks. Examples like automatic hotel elite status, companion passes or free checked bags could be worth hundreds or even thousands of dollars.

But general travel cards give you more flexibility to choose how you travel and where you stay. Plus, plenty of general travel cards come loaded with valuable benefits not tied to specific airlines and hotels — especially if you’re willing to pay an annual fee.

Most general travel cards carry higher rewards rates compared to airline cards with similar annual fees, which gives you a chance to earn more rewards faster. And you’ll have a number of redemption options that make each of your points worth at least 1 cent, which is worth more than the rewards you’ll earn with most hotel rewards programs and some airline rewards programs.

Here’s a look at some of the top features your general travel card may offer:

• Annual travel credits : Premium cards like the Capital One Venture X and Chase Sapphire Reserve reward cardmembers with annual travel credits worth hundreds of dollars, which you can use to offset previous travel costs or book new travel through the card’s travel portal.
• Airport lounge access : A number of mid-level and premium travel cards offer discounted or complimentary airport lounge access for you and your guests. Users can enjoy amenities like complimentary food and drinks, showers or even spa treatments. Popular airport lounge networks include Priority Pass lounges and the exclusive American Express Global Lounge Collection.
• Luxury hotel benefits : Your card issuer may offer Visa or Mastercard’s luxury hotel collection benefit. This perk can lead to room upgrades, free breakfast, food or beverage credits and late check-out. This is typically offered with credit cards with Visa Signature or Infinite benefits or cards with Mastercard World or World Elite benefits, though you’ll have to check with your card issuer to be certain.
• Car rental elite status : With the right general travel rewards card, you can not only rent a car but also get discounts and status upgrades that let you skip the lines when renting and returning, as well as vehicle upgrades based on availability and other exclusive perks.

Airline travel credit cards + –

Airline credit cards are co-branded cards that carry the name of the card issuer and a particular airline. They’re a great fit for travelers who regularly fly with a particular airline and can take advantage of the perks found within its rewards program.

Some of the most popular airline rewards programs include:

• Alaska Airlines Mileage Plan
• American Airlines Aadvantage
• Southwest Rapid Rewards
• Delta SkyMiles
• United MileagePlus

Like general travel cards, airline rewards cards can earn rewards on a variety of purchases, but your redemption options are more limited. To get the best value, you’ll typically want to redeem your rewards for flights with the airline or one of its partners.

Is an airline credit card worth it?

They offer less flexibility and might have an annual fee, but airline cards can make your travel experience easier and save you a lot of money, even after you factor in the cost of an annual fee.

Here’s a look at some of the top airline credit card benefits:

• Free checked bags :   Avoid paying a fee for your first checked bag and a travel companion’s bag. Many airlines charge $30 to $35 per checked bag, per trip, so the savings can add up, especially if you’re traveling with a large family.
• Fast track to elite airline status : Frequent flyers looking for an enhanced flying experience will have to spend thousands of dollars and spend a lot of time in the air to unlock the top-of-the-line perks that come with elite status. But the right airline credit card can cut down on the eligibility requirements and may even come with automatic elite status or welcome offers and additional credits that get you elite status faster.
• Travel companion pass : Earning an airline companion pass takes some work, but if you qualify you can bring a passenger along on a future flight for free (though you’ll still have to pay taxes and fees). Some airlines even offer companion passes that let you bring a guest with you on any flight you book for a year or more.
• Priority boarding : This perk helps you quickly board a plane and get your carry-on stowed away in an overhead bin before it fills up.
• In-flight discounts : This perk helps you save on drinks, snacks and other extras purchased on your flight. You’ll typically enjoy a discount of 20% to 25% off.

How to choose an airline

It’s best to select a card co-branded with an airline that you will use frequently, which typically means choosing an airline that flies out of an airport close to where you live, or one that you use the most. Smaller hubs may have limited options, but you should check to make sure that the airline you want has routes at your preferred airport. For example, Southwest does not fly out of Newark Airport, so if Newark is your primary airport another co-branded airline card might be a better fit.

Hotel travel credit cards + –

Hotel credit cards are co-branded cards that earn points you can redeem for stays with a specific hotel chain. Some of the most popular hotel rewards programs include:

• Marriott Bonvoy
• Hilton Honors
• IHG One Rewards Club
• World of Hyatt

Is a hotel credit card worth it?

Like airline credit cards, hotel credit cards can pack in a lot of brand-specific perks to reward your loyalty. Some cards offer supersized rewards rates, typically for hotel-related purchases. These earning rates can make it easier to quickly rack up points for future visits.

On top of the high-earning potential, hotel travel cards may also come with some of the following benefits:

• Free night : Many hotel cards automatically reward you with a free night at select properties every year on your anniversary. Others give you a chance to earn a free night after you spend a certain amount on the card.
• Room upgrades : Your card could automatically qualify you for room upgrades when available, giving you more space or better views.
• Elite hotel status : Some of the best hotel cards come with automatic elite status, making you eligible for exclusive perks, while others put you on a fast track to achieve higher levels of elite status.

How to choose a hotel

While you should pick an airline card based on frequency and availability, choosing a hotel card might come down to personal preference. You’ll find most hotel chains concentrated in mid-to large-size cities, so you can select a hotel group that works best for your needs. Hotel chains often include a price range from luxury to budget friendly. For example, Marriott includes both Fairfield Inn & Suites and the Ritz-Carlton in its suite of hotels. So, whether you splurge on one trip or save costs on another, you can still earn rewards.

However, if you happen to travel a lot to very remote cities, you might want to ensure that your preferred hotel chain has a location there.

Business travel credit cards + –

Business travel cards are a terrific option if you own a company or work as a freelancer and travel often for work. They can be co-branded or a general travel card.

Some of the more popular business cards include:

• The Business Platinum Card® from American Express review
• Delta SkyMiles® Platinum Business American Express Card
• Southwest Rapid Rewards Premier Business Credit Card

Is a business travel card worth it?

Business travel cards offer a competitive rewards structure similar to other travel cards, but you can typically earn bonus rewards in business categories, like purchasing software and office supplies. Not only can business travel cards help keep your work and personal expenses separate, but they can also help you cut down on business costs.

You might see these benefits on a business travel card:

• Bonus rewards on large purchases : Some cards will offer an elevated rewards rate for big purchases, so you can earn miles or points for big-ticket items.
• No fee for employee cards : You can rack up even more points or miles when you add employees as authorized users at no additional cost. This action can also be a great way to track company spending.
• Account management tools: To help manage your company budget, business travel cards might come with apps or programs that could ease record keeping, like the ability to upload receipts quickly or link to a spreadsheet.
• Travel and hotel perks : Like other travel cards, you can often enjoy annual benefits, like a hotel reward night, lounge access or statement credits.

Co-branded travel cards versus general travel cards

The biggest difference between co-branded cards and general travel cards is flexibility. Co-branded cards are ideal for brand loyalists who prefer to commit to one particular airline or hotel group. They often come with perks that you might not find on general travel cards (like elite status or free checked bags), but how you earn and redeem rewards is limited to that specific brand.

For instance, you might feel locked in to book a pricier room with a co-branded hotel card even if there are more affordable options.

With general travel cards, you have more freedom to select flights or hotels that fit into your schedule and price range, but you might lose out on some perks. If you prefer flexibility, a general travel card might work better for you. If you enjoy more elite perks or are a fan of a particular brand, you might consider a co-branded card.

Pros and cons of travel credit cards

• Travel for less: Money-saving benefits, such as high travel reward rates, sign-up bonuses and travel credits, can help bring down the overall cost of travel.
• Generous perks: The best travel cards feature perks like room or seat upgrades, free hotel stays, statement credits and lounge access that might enhance your overall travel experience.
• Fast track to elite status: Elite status, which offers maximum program benefits for airlines or hotels, often takes time to earn. Some travel rewards cards help cut down on the qualification period, or they offer automatic elite status, which means you can start earning elite status benefits sooner.
• Earn points as a loyalty member along with rewards : If you are a loyalty member, then you can earn loyalty points with that hotel or airline brand as well as travel reward points when you book with a travel credit card.
• No foreign transaction fees : Most travel cards don’t charge a foreign transaction fee, which can help cut down costs when traveling abroad.
• Complex rewards programs: Keeping up with the travel rewards card program rules can be confusing, especially when redeeming or transferring points to a travel partner. It takes careful planning and calculation to ensure you are maximizing the value for your rewards.
• Limited redemption outside of travel: Travel cards typically provide the best value when redeeming for travel. While some cards offer redemptions for non-travel options, such as statement credits or gift cards, these are typically worth less.
• High annual fees: Determining whether an annual fee is worth it can be difficult, and many of the best travel credit cards have yearly costs starting from $95 to $100. Premier travel cards could have annual fees in the $200 to $700 range.
• Higher interest rates : Typically, travel cards carry a higher ongoing APR, so if you carry a balance every month, then a low-interest credit card or balance transfer card might be a better fit.
• Typically best only for frequent flyers : Since most travel cards offer the most elevated bonus rates for travel, such as flights, hotels and car rentals, you won’t reap its maximum benefits unless you fly often.

Who should get a travel credit card

• Frequent flyers . If you spend lots of time up in the air or staying at hotels, you can absolutely benefit from the rewards and perks that come with a travel credit card. But if you’re new to travel or only travel occasionally, look for no-annual-fee cards or ones with simple rewards categories. All globetrotters can appreciate the lack of foreign transaction fees many travel cards offer.
• Brand loyalists . Fans of particular airlines and hotel chains can reap some serious rewards with their go-to brands. Loyal customers can rack up an incredible amount of hotel points or flight miles using a card like the American Airlines AAdvantage MileUp or the Marriott Bonvoy Boundless.
• Luxury travelers . Vacationers looking for top-shelf travel perks may have to pay to carry their card, but The Platinum Card from American Express and the Chase Sapphire Reserve offer benefits that can easily offset their annual fees. You’ll find high-end earnings rates on your purchases to back it up. Take advantage of exclusive add-ons, like access to airport lounges, free checked bags, specialty offers and more.
• Road trippers . Some travel cards earn rewards on purchases at gas stations and hotel stays, which can be valuable if you’re on the road a lot. A hotel credit card like one in the Hilton Honors program or Marriott Bonvoy may be a great choice if you regularly take cross-country trips and stay at hotels.

Who should skip a travel credit card

• Fans of low-maintenance credit cards. While flat-rate travel cards are available, travel cards with fixed bonus categories or a tiered rewards structure often have the best rewards rates. The card that’s most fitting for you will depend on your spending habits. If you aren’t ready or willing to strategize to get the most out of your travel card, a more straightforward rewards credit card may be a better fit.
• Someone looking for flexibility . Cash back credit cards are usually more versatile and might work best for infrequent travelers or people with higher non-travel-related expenses. They can help you maximize your earnings on everyday categories like supermarkets, gas, transit, streaming services or online purchases. Mostly, redeeming can be far less complicated and far more flexible. Depending on the credit card, redemption options may include statement credit, direct deposit, check and travel.
• Someone prone to overspending . The best travel rewards credit cards can help you save a lot of money but only if you avoid a balance. Since rewards cards typically come with higher interest rates, paying your balances in full can save you money and create the best value. If you can’t, you run the risk of losing more money to interest charges than you earn in rewards. You may even fall into credit card debt. If you aren’t able to pay your balances in full, consider a low-interest credit card .

Do you know how much your points or miles are worth?

Choosing a card based solely on the number of miles or points you stand to earn can be a costly mistake. Redemption values can vary, and points and miles do not always transfer on a 1-to-1 basis, meaning 1,000 “miles” earned do not always translate to 1,000 miles of travel.

For example, the Citi Strata Premier card has a sign-up bonus of 70,000 points after spending $4,000 in your first three months of account opening. With the Strata Premier card, most redemption options have a baseline value of 1 cent, so this offer can be worth at least $700. But based on Bankrate’s latest point valuations , we estimate that the right high-value transfer partner could boost your point value up to 1.9 cents on average. That could make your sign-up bonus worth an incredible $1,330.

Compare that to a card like the IHG One Rewards Premier Credit Card, which offers a sign-up bonus of 140,000 points after spending $3,000 within the first three months. Since IHG Rewards are estimated to be worth 0.7 cents on average based on our points valuation, that comes out to a value of $980 dollars.

Understanding the true value of your rewards program can help you to maximize value and select the card that offers the best rewards for your spending habits.

How to calculate the value of your points and miles

To find the value of your points and miles, divide the cost of paying cash for the booking (such as the plane ticket or hotel room) by the number of points or miles required. Then compare this number to Bankrate’s points and miles valuation for the airline, hotel or credit card rewards program.

For example, if a flight on Southwest Airlines costs $800 out of pocket or 50,000 miles, the value is 1.6 cents per mile ($800 divided by 50,000 miles equals $0.016 or 1.6 cents). Since this is slightly higher than our estimated value of 1.5 cents per mile, you’re getting a good deal if you book this flight.

But if you redeem for a gift card instead and find a $25 card costs 10,000 Southwest Rapid Rewards miles, your value drops to 0.25 cents per mile ($25 divided by 10,000 miles equals $0.0025 or 0.25 cents). Since this is far below the 1.5-cent-per-point value you should look for, you’re better off using cash for this gift card and saving your points for a better deal.

How to compare travel credit cards

Deciding which travel credit card is best for you can be difficult. Many cards have similar redemption options, earn rewards in the same categories or cost more than you’re willing to pay for an annual fee. The right card for you will provide value with both perks and rewards rates that match your needs and align with purchases you already make.

To find the right one, you may find it helpful to compare several cards at once so you can see which one offers the best value for your personal finances and travel habits.

• Are you an occasional or frequent traveler? Frequent travelers typically have an easier time taking advantage of the numerous perks found with a travel card. If you travel less frequently, then a cash back card may make more financial sense.
• Are you loyal to a certain airline or hotel? If you’re a fan of a particular airline or hotel chain, you can enjoy specific benefits with that company’s co-branded travel card, like companion pass or annual hotel credits. A general-purpose card, however, gives you flexibility to choose any travel partner when traveling.
• What travel perks and protections matter most to you? Higher rewards status with hotels or airlines, access to airport lounges or automatic elite status are a few examples of travel perks a card might offer. You can also have more peace of mind with any travel protections that a travel card might provide, like trip cancellation and interruption insurance, lost baggage insurance and 24/7 global assistance. Make sure to look for a card that has the features that matter most to you.
• Do you have to change your spending habits to earn and redeem rewards?  Rather than tailoring your spending to match a card’s bonus categories, you might choose a card that already rewards your typical spending habits. Also, watch out for restrictions like spending limits, which can hinder your ability to earn maximum rewards. And when redeeming, make sure your card provides the best value. Some travel cards don’t provide the best value when redeeming for non-travel-related options, such as gift cards or statement credits.
• Does the card have sign-up bonuses and annual fees?  A card’s welcome offer can boost your first year earnings. Look for the spend requirement to ensure you can meet it without overspending. Additionally, a card’s annual fee can be a significant factor. Cards with high annual fees often offer some of the best rewards and perks, but if you can’t offset the fee every year it might not be worth it.
• How does the card’s international acceptance and foreign fees measure up?  For people who frequently travel internationally, this detail can be a game changer. A card without a foreign transaction fee can help budget your trip. But you also want to make certain that the card has broad international coverage. Some cards, like Discover, while working on their international network, might be riskier to carry abroad.

How to make the most out of your travel credit card

Whether you’re planning a quick getaway or extended trip, your rewards from a travel credit card can either enhance your experience or save you money. If you have your eye on Walt Disney World or a small family gathering, you can use these strategies now to experience an elevated trip in the future.

• Score a welcome offer . To make the most of your purchases and capitalize on travel rewards, seek out a welcome offer with an affordable spend requirement. Some of the top sign-up offers could be large enough to help you score free travel.
• Take advantage of the card’s bonus rewards categories . Find a travel rewards card that offers bonus points for purchases you already make to supercharge your earnings. For example, if your weekly work plans include lunch outside of the office, you could earn 3 points for every $1 spent at restaurants as a Citi Strata Premier cardholder, maximizing your earnings potential.
• Consider a travel card that earns transferable points . Transferable points are points earned with one travel card that can be redeemed with another participating program. Based on Bankrate’s latest point valuations, the right high-value transfer partner could be the best way to maximize your rewards earnings.
• Don’t forget your credit card benefits . Your travel credit card could have hidden credit card perks that make travel more enjoyable and save you money, such as complimentary breakfast at hotels or free checked bags. In just one trip, a family of four could easily offset a card’s annual fee through baggage fees alone. Other benefits, such as lost baggage coverage, not only reimburse you for clothing, toiletries or medication you had to purchase because of delayed or lost luggage, but provide additional peace of mind while traveling.
• Consider a credit card combination . Pair your travel card with another credit card that earns high rewards in areas you spend the most to maximize value. You may even be able to combine cards within the same rewards program. Chase, American Express, Capital One and Citi all offer some of the best credit card combinations that can help you rack up transferable rewards.
• Skip the foreign transaction fees . Make sure to take along a card that skips this common overseas charge, typically 3% charge anytime you use the card internationally. You can avoid this by choosing a travel credit card that waives foreign transaction fees, such as the Capital One and Discover credit cards.

Alternatives to Travel Credit Cards

If you don’t want to commit to a travel card, but still want to earn travel rewards, then you have options.

• A cash back credit card lets you earn cash rewards, which you can often redeem for a statement credit to cover travel and other purchases.
• A card with a 0% intro APR might work better for people planning a large purchase. It can help you budget for a trip, as long as you can pay off the balance before the intro offer period ends.
• A no-annual-fee card that also carries no foreign transaction fees might suit infrequent travelers. With this type of card, you can still save on trips abroad without worrying about added fees or offsetting costs every year.

In the news: What is credit card travel insurance?

Travel insurance, or trip insurance, is a policy providing reimbursement or resources if something goes wrong during your trip. The coverage of the trip insurance varies depending on if it’s provided through a credit card or purchased as a separate policy.

Credit cards may provide a form of trip insurance when you use your card to pay for trip-related expenses. Credit card travel insurance can cover everything from trip cancellation and trip interruption, to lost luggage and car rental loss and damage insurance.

In some cases, the coverage provided by the credit card may be enough to cover your needs for a travel-related event. But confirm the benefits before you travel and make sure it offers the right coverage, for example, if you are traveling internationally or need a “cancel for any reason” policy.

How we picked the best travel cards

Research methodology : We analyzed 300 travel rewards credit cards to identify the best offers currently on the market. The major factors we considered include:

• Rewards rate : Does the card offer a competitive rewards rate for the travel category? For general purpose travel cards, this rate is generally between 1.25X to 2X rewards. For co-branded hotel or airline credit cards, we looked for a rate between 3X and 10X points on brand purchases, plus a competitive rate in other bonus categories.
• Welcome offer : Annual fee travel credit cards, in particular, may offer a welcome bonus valued between $500 to $900. We considered the value of the sign-up bonus, alongside the required spend to receive it.
• Additional travel perks : We considered whether the card offers additional travel benefits beyond base rewards. For instance, for airline credit cards, we considered whether they offered priority boarding, a free checked bag or lounge access. For hotel credit cards, we considered whether they offered upgrade opportunities for Wi-Fi and free hotel stays with a card anniversary. For premium travel credit cards, we considered whether the card touted travel credits, travel insurance and other benefits that justified the high annual fee.
• Rates and fees : Travel credit cards do tend to carry annual fees and higher APRs than low-interest credit cards. However, we considered how a card’s APRs compared to the current credit card industry average and whether any fees could be avoided or recouped by its travel rewards and benefits.

All criteria used : Rewards rates, rewards categories, sign-up bonus, point values, transfer partners, redemption options, redemption flexibility, annual fee, other rates and fees, travel credits, airport lounge access, travel accident insurance, lost luggage reimbursement, concierge service, other travel benefits, travel portal functionality, credit needed, customer service, events or other perks

More information on travel credit cards

For more information on all things travel cards, continue reading content from our credit card experts:

• Cash back vs. points
• Trip cancelation reimbursement by credit card
• No foreign transaction fee credit cards

Frequently asked questions about travel credit cards

What is the difference between points and miles on a credit card + –.

When you’re shopping for a travel credit card, you’ll likely have two rewards currencies to choose from: points and miles.

Credit card points are the more flexible of the two options, usually allowing you to redeem your rewards for flights or hotel stays with a number of brands. Some cards allow you to redeem points for cash back, gift cards or merchandise, but often at a lower value than a travel redemption.

Credit card miles usually refer to frequent-flyer miles with a particular airline, such as Delta or United. If you have a miles-earning card, this usually means you can only redeem your miles for flights with one particular airline, though there are exceptions. These types of cards are also called co-branded cards and often come with additional perks like free checked bags.

What credit score do you need for a travel credit card? + –

Travel credit cards often feature higher rewards rates and numerous benefits, which typically means the odds of approval are higher for someone with a good or excellent credit score — usually around a 670 FICO score or higher.

But someone with bad or fair credit still has options. Although the credit card may not be labeled specifically as a travel rewards card, cards like the Capital One QuicksilverOne Cash Rewards Credit Card don’t require great credit and offer rewards in travel categories like hotels and rental cars.

Do travel points and miles expire? + –

Typically, rewards won’t expire for the life of the account. However, each card is different so it’s always best to read your card’s terms and conditions. For instance, some cards do have rewards that expire after a period of inactivity. In some cases, you could forfeit your rewards by missing a payment or canceling a card . Every card comes with its own set of rules, so always read the fine print.

How many miles do you need for a free flight? + –

The miles you’ll need for a free flight depend on the type of card you have, its rewards and redemption structure and whether it offers bonus value on travel redemptions.

For example, If you book through Amex, your points are worth 1 cent apiece on travel redemptions. That means if a flight costs $500, you’ll need 50,000 points to book. However, with Chase Ultimate Rewards, points are valued at 1.25 cents, so a $500 trip would need only 25,000 points.

What purchases are part of the travel category for travel credit cards? + –

How purchases are categorized depends on both the merchant and the issuer and may vary from card to card. Typically, bookings for airlines, hotel stays and rental cars will fall under travel. However, some cards, such as the Bank of America Travel Rewards card, broaden the category to include other types of purchases like timeshares, campgrounds and parking garages.

Check the issuer’s website or contact the issuer directly to get a complete list of what is considered travel for your specific card.

About the Author

Jeanine Skowronski

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Editor

Robert Thorpe

Robert Thorpe is an editor for CreditCards.com

About the Reviewer

Stephanie Zito

Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.

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15 Best cash back credit cards for June 2024

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Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards, direct deposits or more. Many of these cards earn cash back on eligible categories automatically, with some requiring quarterly activations to achieve the highest rate. The best cash back cards on the market offer high cash back rates and flexible reward categories, letting you earn anywhere from 1 percent to 6 percent cash back on common spending items, including travel, groceries, gas and more. Here are the best cash back cards on the market for May 2024.

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Best Cash Back Credit Cards of June 2024

• Best for flat-rate rewards: Wells Fargo Active Cash® Card
• Best for online shopping:  Blue Cash Everyday® Card from American Express
• Best for rotating categories:  Discover it® Cash Back
• Best for dining:  Capital One SavorOne Cash Rewards Credit Card
• Best for balance transfers: Citi Double Cash® Card
• Best for groceries:  Blue Cash Preferred® Card from American Express
• Best for everyday spending: Chase Freedom Unlimited®
• Best for simplicity: Capital One Quicksilver Cash Rewards Credit Card
• Best for quarterly customizable categories:  TD Cash Credit Card
• Best for flexibility: Bank of America® Customized Cash Rewards credit card
• Best for Bank of America customers:  Bank of America Unlimited Cash Rewards Credit Card
• Best for stacking:  Citi Custom Cash® Card
• Best for TD Bank customers: TD Double Up SM  Credit Card
• Best for low APR: USAA Preferred Cash Rewards Credit Card
• Best for personal loan alternative: Upgrade Cash Rewards Elite Visa®

Additional options:

Best retail card: Capital One Walmart Rewards Mastercard

• Bankrate editor's cash back strategy
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What people are saying about cash back credit cards

Our data: are cash back cards easier to qualify for than other rewards cards.

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Best for flat-rate rewards

Wells Fargo Active Cash® 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 a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards

Rewards rate

• Earn unlimited 2% cash rewards on purchases.

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

• 2% Earn unlimited 2% cash rewards on purchases

What we love: If you’d rather not keep up with bonus categories or track spending, this card should be a great fit. It offers the simplicity of unlimited 2 percent cash rewards on purchases and also comes with one of the most generous intro APR offers available on a rewards card. This combo should give it terrific long-term value even after you pay off debt. Learn more: Is the Wells Fargo Active Cash worth it? Alternatives: The Citi Double Cash® Card is the card’s closest competitor and offers a similar cash back rate after you make and pay off a purchase. However, it may be a more flexible option than the Active Cash since you can pool rewards across multiple Citi cards to maximize your earnings.

• This card offers one of the highest flat cash rewards rates available for a no-annual-fee card.
• In addition to a lengthy intro APR, you can also take advantage of varied redemption options like redeeming cash rewards at a Wells Fargo ATM.
• The intro balance transfer fee will jump from 3 percent to up to 5 percent after the first 120 days from account opening (min: $5).
• The 3 percent foreign currency conversion fee could eat into cash rewards if you use this card abroad.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best for online shopping

Blue Cash Everyday® Card from American Express

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

19.24% - 29.99% Variable

• 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• 1% 1% Cash Back on other purchases.

What we love:  This card not only rewards online purchases (a surprisingly hard-to-find bonus category), but also two of the average person’s biggest everyday spending categories — groceries and gas. This mix of categories makes it one of the most lucrative standalone cash back cards out there. Learn more: Is the Amex Blue Cash Everyday worth it? Alternatives: If you want a bit more flexibility in your categories, The Bank of America® Customized Cash Rewards credit card lets you choose your own eligible bonus category each month, with options including online shopping, gas stations, travel and more. Plus, you’ll still earn bonus cash back year round at both grocery stores and wholesale clubs. 

• It offers one of the highest rewards rates you can get on groceries without paying an annual fee, making it a great choice for everyday spending.
• Any purchase classified as an online retail purchase by the merchant earns bonus cash back, so you aren’t limited to just a few online stores as you would be with co-branded cards.
• You can only redeem cash back as a statement credit. You won’t have the flexibility to redeem for travel or transfer to airline and hotel partners as you can with cards that earn Amex Membership Rewards.
• Its cash back rates fall short of the Blue Cash Preferred® Card from American Express , so that alternative may be more lucrative if you spend heavily on groceries — despite its annual fee.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.

Best for rotating categories

Discover it® Cash Back

• Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

18.24% - 28.24% Variable APR

• 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
• 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

What we love: Its elevated rewards rates can be especially rewarding if you flex your spending to align with Discover’s boosted cash back categories each quarter (enrollment required, quarterly maximum applies). This makes it a good choice for deal hunters looking to maximize their earnings. Learn more: Is the Discover it Cash Back worth it? Alternatives: You may earn more with a flat-rate cash rewards card like the Citi Double Cash® Card or Wells Fargo Active Cash® Card without the hassle of activating new bonus categories each quarter.

• Discover matches the cash back you earn at the end of the first year — an offer that could be more valuable than the average no-annual-fee card bonus.
• Discover’s cash back calendar offers terrific variety, which could include a mix of everyday categories like groceries and extras like online shopping.
• You must enroll to take advantage of the bonus categories each quarter, so it’s not a great fit if you’re looking for simplicity.
• You’ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it’s not ideal for large purchases or big spenders.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• 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.
• Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

Best for dining

Capital One SavorOne Cash Rewards Credit Card

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.

19.99% - 29.99% (Variable)

• 8% 8% Cash Back on Capital One Entertainment purchases
• 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
• 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• 1% 1% Cash Back on all other purchases

What we love: This card earns a solid cash back rate whether you’re out on the town, cooking at home or ordering in, so restaurant-goers, grocery shoppers and even social butterflies can find something to love. The sign-up bonus is competitive, too, offering a nice chunk of change with a relatively small spending requirement. Learn more: Is the Capital One SavorOne worth it? Alternatives: Other cards may earn more in specific categories, including the Citi Custom Cash® Card , which offers 5 percent back on up to $500 in purchases each billing cycle in your top eligible spending category -  1% cash back thereafter (restaurants, grocery stores, gas stations and more).

• You can earn additional bonus rewards for purchases made through the Capital One Entertainment and Travel portals.
• It offers a solid rewards rate in a terrific mix of everyday bonus categories, making it ideal as a standalone rewards card.
• Beware of redeeming cash rewards on Amazon.com, as there is a list of restricted items you can’t use rewards on.
• Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance.
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

Best for balance transfers

Citi Double Cash® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200 cash back

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

19.24% - 29.24% (Variable)

• 1% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
• 5% Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

What we love: Ideal for fans of easy-to-manage rewards, this card’s unlimited flat cash back rate makes it a perfect 'catch-all' option if you need a low-maintenance card that can also easily stack with other cards.  It’s also one of the rare few cash back cards with an intro APR that rivals many balance transfer card offers, which makes it excellent if you want more long-term value than a typical zero-interest card provides. Learn more:   Why the Citi Double Cash Card is great for paying off debt Alternatives: If you need to make a large purchase and want to save on interest with an intro APR, the  Wells Fargo Active Cash® Card may better fit your needs . It earns the same flat-rate rewards on purchases but comes with a long intro APR offer on both purchases and balance transfers.

• If you pair this card with a premium Citi travel card, you can transfer points to airline and hotel partners and potentially enjoy a higher redemption value.
• You don't have to keep track of spending category restrictions or rotating categories.
• You could earn more with a card that offers a higher rewards rate in your biggest spending categories.
• Its introductory APR offer only covers balance transfers — not purchases — so it won’t be of much help if you need to chip away at new spending.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Best for groceries

Blue Cash Preferred® Card from American Express

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

• $0 intro annual fee for the first year, then $95.
• 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% 6% Cash Back on select U.S. streaming subscriptions.
• 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 3% 3% Cash Back at U.S. gas stations
• 1% 1% Cash Back on other purchases

What we love: This card offers one of the highest rewards rates you can get at U.S. supermarkets, making the annual fee more than worth it if you spend a lot on groceries. It’s the perfect choice for families who can offset the card’s annual fee with rewards and then some. Learn more: Is the Amex Blue Cash Preferred worth it? Alternatives: If groceries are your top spending category, the Citi Double Cash® Card could also earn a ton of cash back, without charging an annual fee. Pair it with another cash back card and you may score as much or more cash back on everyday essentials like gas and dining.

• It offers high rewards rates in a practical mix of everyday categories in addition to groceries, including gas and transit. That makes it a good choice if you’re focused on long-term value.
• You don’t have to keep track of rotating spending categories or enrollment deadlines.
• Purchases at wholesale clubs (like Costco), superstores (like Walmart), and specialty stores are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.
• Since you can only redeem cash rewards as a statement credit, this card lacks the value and flexibility of some Amex cards that earn Membership Rewards.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Best for drugstores and dining

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.

Up to $300 cash back

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% cash back on all other purchases.

20.49% - 29.24% Variable

• 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% cash back on all other purchases.

What we love: This card earns elevated rates in multiple, common bonus categories that can make racking up cash back with everyday spending easy. Plus, its competitive intro APR offer and decent welcome bonus give this card great upfront value. Learn more: Is the Chase Freedom Unlimited worth it? Alternatives: The Wells Fargo Active Cash® Card is a good alternative if you want a card with a great flat rate on purchases. You won’t have to worry about bonus categories, and it comes with a solid intro APR offer. 

• This card earns an elevated flat rate and bonus rates in many categories, making it an ideal choice for a standalone cash back card.
• It has a solid APR offer available for a no-annual-fee card, making it a great choice to consolidate debt or make large purchases.
• You might want to explore premium cards if you want better travel benefits or higher welcome offers.
• Other no-annual-fee cards earn a higher flat cash back rate on purchases, which can be more useful if you won’t use the bonus categories on this card.
• 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.
• Member FDIC

Best for simplicity

Capital One Quicksilver Cash Rewards Credit Card

• Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

What we love: This card is a solid low-maintenance option if you’re just getting started earning cash back rewards. It also comes with a few enticing perks and benefits, including a solid welcome offer. Learn more: Is Capital One Quicksilver worth it?  Alternatives: If you spend most in a specific category like groceries or gas, consider cards that earn rewards at a higher rate in those categories, like the Bank of America® Customized Cash Rewards credit card . That card even gives you the option to change your highest-earning cash back category once per calendar month.

• You can take advantage of perks like up to six months of complimentary Uber One membership statement credits (through 11/14/2024) and a relatively long intro APR offer.
• The sign-up bonus has one of the lowest spending requirements around, so it's easy to attain.
• Other cards on the market offer a higher flat cash back rate, with several offering 2 percent back or more.
• A few no-annual-fee cash back cards offer longer intro APR periods on both purchases and balance transfers.
• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Best for quarterly customizable categories

TD Cash Credit Card

• Earn $150 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.

$150 Cash Back

5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first. Earn 3% and 2% Cash Back on your choice of spend categories. Earn 1% Cash Back on all other eligible purchases.

Earn 1% Cash Back - Earn 5% Cash Back

20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

• Earn 5% Cash Back 5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first.
• Earn 3% and 2% Cash Back Earn 3% and 2% Cash Back on your choice of spend categories.
• Earn 1% Cash Back Earn 1% Cash Back on all other eligible purchases.

What we love: Every quarter, you can pick your 3 percent and 2 percent bonus categories, which include travel, gas, grocery stores, dining and entertainment. Even better, the customizable categories earn unlimited cash back, so you can take full advantage of tailored, high cash back rates. Alternatives: The Bank of America® Customized Cash Rewards credit card lets you change your customizable category every month, while the TD card lets you change it every quarter. Consider the Bank of America card if you’d like to change your categories as often as possible.

• The category choices and no spending caps make it possible to earn tons of cash back with this card.
• It has a decent sign-up bonus that provides upfront value to new cardholders.
• This card is only available in a handful of states and Washington, D.C., restricting applicants’ eligibility.
• The grocery category excludes wholesale clubs and superstores.
• Limited Time Offer: Earn 5% Cash Back on gas with the TD Cash Credit Card plus a $150 Cash Back bonus.
• 5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first.
• Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. Earn unlimited 1% Cash Back on all other eligible purchases.
• Switch spend categories up to four times a year.
• Contactless Payments/Digital Wallet
• Instant credit card replacement
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

Best for flexibility

Bank of America® Customized Cash Rewards credit card

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

19.24% - 29.24% Variable APR on purchases and balance transfers

• 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• 1% Earn unlimited 1% on all other purchases.

What we love: This card is a terrific choice for people who want flexibility in how they earn their rewards, as it’s one of the few that lets you change your highest-earning bonus category as often as once a month. It also offers a great mix of bonus categories, ranging from everyday staples like dining to unique options like home improvement stores. Learn more: Is the Bank of America Customized Cash Rewards credit card worth it? Alternatives: This card’s cash back limits may hold you back compared to other cards’ reward programs. Heavy spenders may earn more with a card that offers an unlimited flat rewards rate on all purchases, such as the Citi Double Cash® Card.

• You can swap your choice category once per calendar month to maximize rewards based on your spending habits.
• It’s one of the few cards that earns bonus rewards year round at both grocery stores and wholesale clubs (a hard-to-find bonus category).
• The spending cap on your highest earning categories could hamper your earning potential.
• It carries a high sign-up bonus spending requirement (twice as high as some rivals in the cash back card category).
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 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%.
• 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 Bank of America customers

Bank of America® Unlimited Cash Rewards credit card

• Earn unlimited 1.5% cash back on all purchases.
• 1.5% Earn unlimited 1.5% cash back on all purchases.

What we love: This card offers a solid mix of features, including an elevated cash rewards rate on all purchases. But if you qualify for the Platinum Tier or higher in Bank of America’s Preferred Rewards program, you can get a cash back boost that transforms the card into one of the most lucrative flat-rate rewards cards available. Learn more: Is the Bank of America Unlimited Cash Rewards worth it? Alternatives: If you don’t qualify for Bank of America’s boosted cash back rates, the Wells Fargo Active Cash® Card may be your best choice for earning flat-rate cash rewards on general spending.

• Bank of America Preferred Rewards® members can boost their cash rewards earnings by 25 to 75 percent, greatly increasing the card’s rewards potential.
• The card offers additional features with its intro APR on purchases and balance transfers.
• This card is light on benefits and perks compared to other cash back cards.
• The lowest tier for a boosted cash back rate requires at least a $20,000 average balance across qualifying accounts, which may be hard to reach for many people.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.

Best for stacking

Citi Custom Cash® Card

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

• 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
• 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
• 1% Earn unlimited 1% cash back on all other purchases.

What we love: Since its bonus category automatically adjusts based on where you spend most, this card can be a great option if you want a simple rewards card to add to your rewards strategy stack. But by “simple,” we don’t mean low-value — this card has an excellent cash back rate in its automatic bonus category.    Learn more: Is the Citi Custom Cash worth it? Alternatives: Since you’ll only earn a top rewards rate in a single category each billing cycle, consider pairing this card with one that earns boosted rewards in several categories. For example, the Capital One SavorOne Cash Rewards Credit Card earns unlimited rewards on dining, entertainment, grocery stores and more.

• Since the card automatically earns rewards in your top eligible spending category each billing cycle, you won’t have to worry about strategizing to maximize rewards.
• It offers great flexibility thanks to its mix of everyday bonus categories like gas and groceries, plus extras like fitness clubs and live entertainment.
• You’ll only earn a top cash back rate on the first $500 you spend in one eligible category each billing cycle (1 percent after that), so this may not be the best standalone option if you’re looking to maximize rewards.
• The card’s sign-up bonus carries a much higher spending requirement than many competing offers.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

Best for TD Bank customers

TD Double Up Credit Card

• Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening

Earn unlimited 2% Cash Back on all eligible purchases.

2% Cash Back

• 2% Cash Back Earn unlimited 2% Cash Back on all eligible purchases

What we love: With the TD Double Up Credit Card, you earn 2 percent cash back on all eligible purchases without spending caps restricting your rewards potential. That makes this one of the most rewarding flat-rate cards outside a major issuer, especially if you prefer the convenience of keeping your cards with one bank or your financial history with TD Bank could help you qualify. Alternatives: If you want a stronger welcome offer as well as an intro APR offer on purchases, the Wells Fargo Active Cash® Card may be a better fit.

• One of the best flat cash back rates available without spending caps or bonus categories.
• Automatically get cell phone protection when you pay your monthly phone bill with your Double Up card.
• The welcome offer is weak compared to other cash back cards’ offers.
• Balance transfers: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.
• Earn unlimited 2% Cash Back on all eligible purchases
• No reward categories, no caps, no worries.
• Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card

Best for low APR

USAA Preferred Cash Rewards Credit Card

Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.

Earn a $200 reward bonus

• Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.

1.5% cash back

17.15% to 29.15% variable

• 1.5% cash back Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.

What we love: USAA members looking for simple, flat-rate rewards will find a lot to love with this card. It offers an unlimited flat rewards rate, straightforward redemption options, an intro APR on purchases and a chance at a low ongoing APR. Alternatives: Though this card comes with a few key perks like an intro offer, its flat cash back rate isn’t the highest on the market. A card like the Citi Double Cash® Card could offer better long-term value since it earns 2 percent cash back on all purchases (1 percent when you buy and 1 percent when you pay off purchases).

• You don't have to worry about a complicated rewards program or rotating categories. A flat rewards rate makes earning cash back simple and straightforward.
• It charges no foreign transaction fees and comes with a few key travel protections, making it an especially great companion for USAA members who live or frequently travel abroad.
• Limited to only USAA members
• Several competing cash back cards offer a higher flat rewards rate — 2 percent back or higher — while still charging no annual fee.
• Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
• Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
• Auto Deductible Reimbursement (up to $200).
• A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
• Cash back rewards never expire.
• Redeem cash back your way, on your schedule.
• No foreign transaction fees.
• 17.15% to 29.15% variable regular APR.
• Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
• See Rates and Fees for details.

Best for personal loan alternative

Upgrade Cash Rewards Elite Visa®

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Earn 2.2% unlimited cash back on card purchases every time you make a payment.

14.99% - 29.99%

• 2.2% Earn 2.2% unlimited cash back on card purchases every time you make a payment

What we love: This card combines the convenience of a credit card with the predictability of an installment loan, allowing you to earn rewards as you pay off purchases at a fixed interest rate. Plus, it carries one of the highest flat cash back rates you can get with no annual fee. Learn more: Is the Upgrade Cash Rewards Elite Visa worth it? Alternatives: You may want to consider a card that offers both cash back and an intro APR for new purchases. The Discover it® Cash Back is one great pick and would allow you to finance a large purchase while racking up rewards.

• Since there’s no annual fee, you won’t need to rely on reward earnings to offset card costs.
• You’ll earn a bonus after you open a Rewards Checking account and make three debit card transactions in your first 60 days.
• The high-end APR range is much higher than the average card APR and could prove costly if you end up carrying a balance.
• You won’t get a break on interest if you carry a balance since there are no intro APR offers on purchases or balance transfers.
• Earn 1.5% unlimited cash back on card purchases every time you make a payment
• Combine the flexibility of a credit card with the predictability of a personal loan
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability
• Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Best retail card

Capital One Walmart Rewards® Mastercard®

*The information about the Capital One Walmart Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay

Earn 5% cash back on Walmart.com purchases, including pickup and delivery . Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations. 2% cash back on restaurants and travel purchases. 1% cash back on all other purchases everywhere else Mastercard® is accepted.

19.48% or 29.99% (Variable)

• 5% Earn 5% cash back on Walmart.com purchases, including pickup and delivery
• 2% Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations
• 2% 2% cash back on restaurants and travel purchases
• 1% 1% cash back on all other purchases everywhere else Mastercard® is accepted

This card offers a high rewards rate on pickup and delivery orders from Walmart, as well as an attractive welcome offer for in-store purchases through the Walmart Pay app. Though it doesn’t carry many extra perks, it’s a great choice if you’re an avid Walmart shopper. Alternatives : If you want the flexibility to earn rewards with any U.S. supermarket (excluding Walmart), consider the Blue Cash Preferred® Card from American Express .

• Its welcome offer allows boosted rewards on in-store purchases, giving you the chance to earn as much as you would using the Walmart app for a short timeframe.
• On the lower end, its ongoing APR is lower than the current average credit card interest rate .
• For maximum rewards on most purchases, you must use the Walmart app, so if you aren't tech savvy, this card may not be a good fit.
• The card has limited long-term value because of its low flat rewards rate for all purchases and lack of noteworthy perks.

Compare Bankrate's top cash back credit cards

Here’s how a bankrate editor crafted his cash back strategy.

Here’s Bankrate editor Nouri Zarrugh  on how he chose his cash back cards to create a cash rewards strategy:

I’ve been writing about cash back and credit card rewards for several years now, so I understand the benefit of carrying multiple cards and using them strategically to maximize my earnings. But I also know that sometimes juggling so many cards to earn a little more cash back can be more trouble than it’s worth. When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter. I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance. Here’s what I focus on with my current credit card stack: Groceries : The Citi Custom Cash Card. This card automatically rewards your top spending category each billing cycle, and I only use it for groceries, making that my top category by default. Gas and online shopping : The Blue Cash Everyday Card from American Express. Since I use the Custom Cash for groceries, it made sense for me to use the no-annual-fee Blue Cash Everyday to get a solid rewards rate on gas. As an added bonus, this card comes with an online shopping category missing from the Blue Cash Preferred’s categories. Online shopping is another key category for me, so this card is quite versatile. Dining : The Capital One SavorOne Cash Rewards Credit Card. This card offers one of the best rates you can get at restaurants without paying an annual fee ( See Rates & Fees ). Everything else : The Citi Double Cash. I use this card for all purchases that fall outside of groceries, gas, dining, travel and online shopping. A flat rate of up to 2 percent back (1 percent when you buy, 1 percent when you pay off purchases) is hard to beat. Is my stack perfect? Definitely not. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases. But for now, five cards is plenty to juggle." — Nouri Zarrugh, Bankrate Editor

Looking for a particular type of cash-back credit card?

For suggestions based on your spending habits, try Bankrate’s Spender Type Tool . Select the spender type that you most closely identify with and you’ll get card recommendations that may suit your spending habits.

Ask the experts: How do you maximize flat-rate and rotating category cash back cards?

Erica Sandberg

Stephanie Zito

Thomas Nitzsche

Contributor, Credit Cards

Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention. Quite a few cards offer 5 percent back when you make purchases at places like grocery stores, gas stations, big box retailers, and more, but you’ll need to plan out where and when to shop to take full advantage. For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site.

Contributor, Personal Finance

I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate (usually 1.5X-2X) than the base rate of the rotating category card. I maximize this duo by making purchases in the card’s rotating categories as much as possible, and when my purchase isn’t in one of these 3X-5X rotating categories, I use my flat rate card to capture the higher rate.

Financial Educator, Debt and Credit

I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back. Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards.

There’s always something new and exciting happening in the cash back card space, and Bankrate likes to stay on top of what has people talking. 

Robinhood announcing its first credit card, the Robinhood Gold Card, has taken over much of the cash back card discussion this month, and it's easy to see why. The investment platform’s first credit card promises a flat 3 percent back on all purchases, a full 1 percent higher than the up to 2 percent rewards rate found on top flat-rate cash rewards cards like the Wells Fargo Active Cash (2 percent cash rewards on purchases) and Citi Double Cash (which earns 1 percent when you buy, 1 percent when you pay off purchases). The card also promises 5 percent back on travel booked through Robinhood’s travel portal.

There’s some trepidation from consumers on whether the card will deliver on its promises with no strings attached. Some already point to the Robinhood Gold membership requirement as a way to recoup any losses the platform incurs by offering such a high cash back rate. 

One Reddit user is cautiously optimistic the rate may stick around for a while: 

“They’ll have to play a balance game. If every merchant decided to charge 5% fee for credit cards or 5% discount for cash/debit, rewards become useless. The banks would have to up rewards even higher to encourage credit card use. I fully agree that Robinhood will increase their fee if they keep the 3% though as that has never been a profitable rate for any card.” — Reddit user

Others on the social network have a less sunny outlook:

“Reminds me of what happened with the Uber Visa card — fantastic starter card back when I was in college, earned 4% cash back on dining, 3% on travel, 2% on Uber. Within 2 yrs they nerfed the whole card and then it got rebranded as the Barclays View card...now it's the most useless piece of plastic in my entire house.” — Reddit user

Bankrate’s own Nouri Zarrugh is bullish on the Robinhood Gold card , at least for now. Read more of his thoughts and insight to decide whether you might want to keep an eye on this new product. 

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. Please see the issuer’s website for updated terms and conditions.

Bankrate Insight

People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta 's bonus categories to maximize rewards.

A 2024 Bankrate survey found that credit card applicants are still experiencing stiff approval odds since issuers tightened approvals in 2023 . Unfortunately, credit approvals may not loosen for a while since the Fed is still uncertain about when it will decrease rates.

However, a new credit card can help fight inflation if used appropriately. To help you make a more informed decision, we analyzed data on Bankrate’s best rewards card offers to see which types of cards Bankrate users were approved for more often: cash back cards or other rewards cards that earn points or miles.

According to our data , cash back cards held a higher average approval rate throughout 2023 than other rewards cards. Our data even indicates that cash back cards have a higher approval rate than other rewards cards from the same issuer. Granted, cash back cards don’t have a massive advantage — their overall approval rate is only about 5 percentage points higher than the approval rate on other rewards cards. 

It’s also worth noting that our data shows an increase in approval rates over most of 2023. However, this could be partly due to seasonal factors. More users applied for cards in the earlier months of 2023, and some of these users may have applied for a card to help them recover financially from holiday spending even if their credit scores were below the recommended range. 

Bankrate’s Approval Odds feature

Frequently asked questions about cash back credit cards, should i get a cash back card or a travel card.

The right credit card for you will depend on your spending habits and the perks that matter most to you. Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings. Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access. But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high. Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more. If you don’t travel often enough to justify an annual fee or want more redemption flexibility, a cash back card may be better for travel .

Do cash back cards actually give you cash?

You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards.

Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs.

Is cash back from a credit card taxable?

Does cash back expire, should i save up cash back rewards.

It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest. However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs. In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards. To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem. 

Are cash back credit cards worth it?

Yes, a cash back credit card is flexible and valuable enough to be worth a spot in most wallets. However, there are a few cash back credit card alternatives that might be just as valuable depending on your needs. Here’s a few alternatives and how they may differ.

• Cash back vs. rewards credit cards : A rewards credit card earns points or miles instead of cash back. You can redeem these points in various ways, including gift cards, travel and statement credits, which can grant them even more flexibility than a cash back card. A few point-based rewards programs let you redeem for cash back at an equal value and still allow you to maximize your points’ travel value with transfer partners. 
• Cash back vs. travel credit cards : Travel credit cards typically earn miles instead of cash back, and are best if you want to redeem your rewards for flights and hotel stays. However, travel miles often lose value when redeemed toward cash back. Frequent travelers can take advantage of a travel card’s additional benefits to cut down on travel costs. You can choose from general travel credit cards, airline credit cards and hotel credit cards .

Best cash back credit card bonus offers

How to choose a cash back credit card

Flat-rate cash back cards vs. bonus category cash back cards

Best rotating category credit cards

Are credit cards that automatically reward your top spending categories a good deal?

How does cash back work?

When evaluating the best cash back 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 cash back cards.

Here’s a quick breakdown of the key factors in our cash back card scoring methodology and details we considered when putting together our list of the best cash back 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 $22,500.  

Some of the major spending categories that contribute towards the annual spend include:

• 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.

Here’s a deeper look at the factors considered as part of a rewards card’s “Value” rating:

• Ongoing rewards value 50%
• Annual fee & average APR 20%
• Rewards rate 15%
• Sign-up bonus value 15%

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.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information about the Chase Freedom Flex and the Aspire Mastercard has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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.

Capital One to Acquire Discover . Capital One. Accessed on May 21, 2024.

Congressional Democrats urge U.S. to block Capital One-Discover deal . The Washington Post. Accessed on May 21, 2024.

“ Consumer Expenditures 2022 ” U.S. Bureau of Labor Statistics. Accessed on May 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.

Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may be eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a weeklong, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free-look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policyholders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plans cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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